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Icici Lombard General Insurance Company Limited Q1 Fy2027: Profit Dips on Exceptional Items

ICICI Lombard General Insurance Company Limited (NSE: ICICIGI) Q1 FY2027 results: Profit after tax dips 46% due to exceptional items.

jyoti sharma

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Icici Lombard General Insurance Company Limited Q1 FY27 Results

ICICI Lombard General Insurance Company Limited (NSE: ICICIGI) announced its financial performance for the quarter ended June 30, 2026. Despite a 7.5% growth in Gross Direct Premium Income (GDPI) to ₹ 83.18 billion, the company experienced a significant dip in profit due to exceptional items.

Key Financial Metrics

The company’s Profit Before Tax (PBT) de-grew by 46.1% to ₹ 5.36 billion, while Profit After Tax (PAT) also de-grew by 46.0% to ₹ 4.03 billion compared to ₹ 9.94 billion and ₹ 7.47 billion respectively in Q1 FY2026. The Return on Average Equity (ROAE) was at 9.6% as against 20.5% in Q1 FY2026.

Impact of Exceptional Items

The combined ratio on a 1/n basis stood at 107.2% in Q1 FY2027 compared to 102.9% in Q1 FY2026. The company incurred two large losses under the fire segment to the tune of ₹ 0.63 billion and a judgement of the Honourable Supreme court resulted in an increase in claim reserves of ₹ 1.65 billion in the Motor TP portfolio. Excluding these impacts, the combined ratio was 102.3% and PAT stood at ₹ 5.75 billion.

Looking Ahead

ICICI Lombard remains committed to its customer-centric approach and continues to build momentum on new business initiatives. The company is optimistic about its future growth trajectory, focusing on digital transformation and innovative insurance solutions.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of ICICI Lombard General Insurance Company Limited

ICICI Lombard General Insurance Company Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

ICICIGI
Financial Services › Insurance - Diversified
BREAKOUT
68
Fundamental
78
Technical
73
Overall

1W +7.74%
1M +17.34%
3M +5.49%
P/E: 35.4 Cap: Large
AI-Powered Analysis • TradeAlone
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ICICI moves sideways over three months, with neither buyers nor sellers taking control. D/E reaches 3.89. High leverage in this environment is a material risk the market cannot ignore. Not a single revenue dip or loss quarter in five years — this is a business built to last through cycles. The stock gains 4.6% in the last month, recovering from the three-month slide. However, it is too early to call this a confirmed reversal. Revenue grows at 14.9% and profits at 17.0%. The business is in good shape. Moreover, a stock that does not move despite strong fundamentals often offers better value than one already priced for perfection. Check Fundamentals of ICICI Lombard General Insurance Company Limited.

Credit Services

L&t Finance Limited (LTF) Records Highest Ever PAT of Rs. 975 Crore for Q2fy27

L&T Finance Limited (LTF) announced a record consolidated PAT of Rs. 975 crore for Q2FY27, up 33% YoY, with a 28% YoY growth in consolidated book.

adit chauhan author tradealone

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L&t Finance Limited LTF Q2fy27 Results

L&T Finance Limited (LTF) announced its financial results for the second quarter ended September 30, 2026, marking a record consolidated Profit After Tax (PAT) of Rs. 975 crore for Q2FY27, up 33% year-on-year (YoY). The company also achieved its highest ever consolidated book of Rs. 1,36,635 crore, up 28% YoY. The robust Q2FY27 retail disbursements at Rs. 24,027 crore reflect continued business momentum.

Record Financial Performance

The company’s strong performance is underscored by its highest ever consolidated PAT, demonstrating a resilient business model and disciplined execution. The consolidated book growth of 28% YoY and retail disbursements growth of 27% YoY highlight the company’s focus on profitable, risk-calibrated growth.

Technological Advancements

Accelerating its technology deployment, LTF is evolving into an AI-native lender. The company’s PLANET app reinforced its status as a core digital engine, surpassing 2.7 crore downloads and servicing 94% of total service requests. The app’s dedicated rural interface with multilingual capabilities further strengthened its rural reach.

Future Outlook

As LTF progresses on its Lakshya 2031 journey, the company remains focused on strengthening its granular distribution channels, expanding its branch footprint, and enhancing its digital acquisition capabilities. Investments in artificial intelligence are expected to drive greater operational efficiency and build a more agile, scalable, and resilient organization.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of L&T Finance Limited

L&T Finance Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

LTF
Financial Services › Credit Services
CONSOLIDATING DOWN
84
Fundamental
42
Technical
63
Overall

1W -0.56%
1M -16.27%
3M -16.39%
P/E: 20.4 Cap: Large
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L&T falls 15.5% over three months and has not found a floor yet. D/E reaches 3.60. High leverage in this environment is a material risk the market cannot ignore. Industry-leading margins of 33.1% reflect exceptional pricing power and operational efficiency. Sellers drive 1.5x the volume of buyers. Furthermore, they controlled 17 of recent sessions versus 13 for buyers — a clear distribution signal. The business compounds at 17.7% revenue and 22.5% profit CAGR, with D/E of 3.60. Yet the stock drops 15.5% in three months. The business does not deteriorate — the stock does. That gap is what long-term investors look for. Check Fundamentals of L&T Finance Limited.

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ANGELONE

Angel One Limited (NSE: Angelone) Q2 FY27: Revenue and PAT Surge, Client Funding Book Hits ₹74.5 Bn

Angel One Limited (NSE: ANGELONE) announced impressive Q2 FY27 results with revenue and PAT up, client funding book at ₹74.5 bn.

abhinav tiwari

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Angel One Limited NSE Q2 FY27 Results

Angel One Limited (NSE: ANGELONE) announced its unaudited standalone and consolidated financial results for the quarter and half year ended 30th September 2026. The company reported significant growth in gross revenues, earnings before debt, taxes, depreciation, and amortization (EBDAT), and profit after tax (PAT). Notably, the average client funding book reached a new high of ₹74.5 billion, up 40.5% year-on-year.

Revenue and Profit Surge

The company’s total gross revenues for Q2 FY27 stood at ₹14,007 million, marking an 18.5% year-on-year growth. The reported EBDAT was ₹5,194 million, showing a robust 50.1% YoY increase. The PAT for the quarter was ₹3,667 million, reflecting a 55.2% surge compared to the same period last year.

Client Engagement and Market Share

Angel One’s client engagement remained strong with the average daily orders reaching 5.8 million in September 2026. The company’s share in India’s demat accounts stood at 16.6%, and its retail equity derivatives turnover share increased to 22.1%, up 43 basis points year-on-year. The commodity turnover more than doubled, highlighting the diversified growth across different segments.

Looking Ahead

Mr. Ambarish Kenghe, Group CEO of Angel One, emphasized the company’s resilience and strategic investments. He noted, ‘With strong foundations, multiple growth engines, and a relentless focus on client outcomes, we are confident in our ability to create enduring value while contributing meaningfully to India’s financial future.’ Angel One continues to evolve into a broader financial services ecosystem, poised to deepen customer relationships across investing, borrowing, and wealth creation.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Angel One Limited

Angel One Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

ANGELONE
Financial Services › Capital Markets
BREAKOUT
58
Fundamental
72
Technical
65
Overall

1W +1.34%
1M +0.34%
3M -8.59%
P/E: 27.7 Cap: Large
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Angel posts a 3.8% three-month gain, but softens in the last few weeks. The PEG stands at 36.78 — severely stretched. Any earnings miss could trigger a sharp de-rating. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. The stock gives back 3.9% in the last month despite a positive three-month run. As a result, the earlier momentum appears to be fading. The stock rises 3.8% in three months on 20.3% revenue growth. As a result, the market gives it more credit than the fundamentals strictly justify. Watch the next quarterly results. If growth accelerates, the move makes sense. If not, expect some gains to unwind. Check Fundamentals of Angel One Limited.

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Banks - Regional

Karur Vysya Bank Limited (karurvysya) Q2 FY27: Strong Growth in Total Business, Deposits, and Advances

Karur Vysya Bank Limited (KARURVYSYA) reports strong financial results for Q2 FY27 with total business up by 17.96% YOY.

shalini shishodia tradealone

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Karur Vysya Bank Limited NSE Karurvysya Q2 FY27

Karur Vysya Bank Limited (NSE: KARURVYSYA) has announced its financial results for the quarter ended 30th September 2026, showcasing robust growth across multiple metrics. The bank’s total business increased by 17.96% year-on-year and 5.48% quarter-on-quarter, reaching Rs. 2,39,712 crore. Deposits grew by 15.96% YOY and 4.52% QOQ to Rs. 1,28,123 crore, while advances grew at a robust 20.35% YOY and 6.60% QOQ to Rs. 1,11,589 crore.

Balance Sheet Growth

The bank’s balance sheet size grew by 15.94% to Rs. 1,50,831 crore as of 30th September 2026 from Rs. 1,30,099 crore a year ago. The total business and deposits have seen significant year-on-year growth, reflecting the bank’s strong performance in expanding its customer base and asset base.

Financial Performance

The bank’s net profit increased by 40.91% year-on-year to Rs. 1,543 crore for the half year ending 30th September 2026. The net profit for the quarter stood at Rs. 788 crore, up by 37.28% compared to the same period last year. The net interest margin improved to 4.34%, up by 28 basis points year-on-year. The cost to income ratio decreased to 40.53%.

Moreover, the bank’s capital adequacy ratio (CRAR) stood at 18.61% with a CET1 ratio of 17.98%, well above the regulatory requirement of 11.50%. The non-performing asset ratio (NPA) decreased to 0.69% as of 30th September 2026, reflecting the bank’s strong asset quality.

Karur Vysya Bank’s Managing Director & CEO, Mr. Ramesh Babu B, stated, ‘We are pleased to report that our key performance indicators are broadly in line with the guidance shared earlier. The business growth has been balanced and broad-based, with sustained performance across our three key priorities: growth, profitability, and asset quality.’ The bank’s focus on prudent calibrated growth, operational efficiency, customer centricity, and disciplined risk management positions it well for sustainable value delivery to all stakeholders.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Karur Vysya Bank Limited

Karur Vysya Bank Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

KARURVYSYA
Financial Services › Banks - Regional
CONSOLIDATING UP
76
Fundamental
90
Technical
83
Overall

1W +3.38%
1M +2.23%
3M +12.2%
P/E: 12 Cap: Large
AI-Powered Analysis • TradeAlone
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Karur rises 12.2% over three months, with buying pressure holding steady. The PEG of 0.38 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Industry-leading margins of 41.3% reflect exceptional pricing power and operational efficiency. The stock trades at 87% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. Both the business and the stock move in the right direction. Revenue grows at 18.7%, profits at 31.4%, and the PEG sits at 0.38 — below its growth rate. That combination is rare. Check Fundamentals of Karur Vysya Bank Limited.

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