ICICIGI
ICICI Lombard General Insurance Company Limited (ICICIGI) Stock Analysis
ICICI Lombard General Insurance Company Limited is a leading non-life insurer offering motor, health, fire, and commercial covers. It distributes through agents, bancassurance, and online channels to retail and corporate clients. The company focuses on underwriting discipline and claims service. It is India's prominent listed general insurer.
Financial Services › Insurance - Diversified
₹1,486.70
+1.48% 1W | -23.60% 52W
Market Cap
74.3k CR
P/E Ratio
30.7
52W High
₹2064.9
52W Low
₹1423.1
Div. Yield
0.97%
Beta
0.4
50 DMA
₹1612.3
200 DMA
₹1781.9
Profit Margin
8.8%
Inst. Own.
83.9%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,716 | 5,271 | 5,194 | 5,391 | 5,601 | 6,147 | 6,161 | 6,051 | 6,396 | 6,869 | 6,905 | 6,825 | 7,088 |
| Expenses | 4,206 | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 | 5,825 | 6,051 | 6,138 | 6,566 |
| Operating Profit | 510 | 762 | 555 | 690 | 770 | 940 | 962 | 609 | 981 | 1,044 | 854 | 686 | 522 |
| OPM % | 11% | 14% | 11% | 13% | 14% | 15% | 16% | 10% | 15% | 15% | 12% | 10% | 7% |
| Other Income | 10 | 2 | 19 | 8 | 4 | -21 | -2 | 60 | 13 | 33 | 16 | 32 | 14 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 520 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 | 1,077 | 870 | 718 | 536 |
| Tax % | 25% | 24% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 24% | 24% | 24% | 25% |
| Net Profit | 390 | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 | 820 | 659 | 547 | 403 |
| EPS in Rs | 7.95 | 11.75 | 8.76 | 10.54 | 11.77 | 14.03 | 14.63 | 10.28 | 15.04 | 16.47 | 13.23 | 10.96 | 8.08 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,234 | 6,033 | 7,520 | 6,912 | 11,163 | 11,517 | 12,161 | 16,026 | 17,876 | 20,572 | 23,961 | 26,994 | 27,687 |
| Expenses | 4,456 | 5,269 | 6,601 | 7,174 | 9,494 | 9,745 | 10,090 | 15,010 | 16,612 | 17,918 | 20,554 | 23,264 | 24,581 |
| Operating Profit | -221 | 764 | 919 | -262 | 1,669 | 1,772 | 2,072 | 1,016 | 1,264 | 2,654 | 3,407 | 3,731 | 3,107 |
| OPM % | -5% | 13% | 12% | -3.8% | 15% | 15% | 17% | 6% | 7% | 13% | 14% | 14% | 11% |
| Other Income | 992 | 0 | -2 | 1,569 | -2 | 15 | 12 | 809 | 991 | 35 | 39 | 93 | 94 |
| Interest | 12 | 0 | 0 | 59 | 70 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 54 | 57 | 7 | 51 | 0 | 90 | 130 | 141 | 142 | 134 | 124 | 165 | 0 |
| Profit before tax | 705 | 708 | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,555 | 3,321 | 3,659 | 3,201 |
| Tax % | 17% | 28% | 23% | 28% | 34% | 30% | 25% | 24% | 18% | 25% | 24% | 24% | |
| Net Profit | 585 | 507 | 702 | 862 | 1,049 | 1,194 | 1,473 | 1,271 | 1,729 | 1,919 | 2,508 | 2,772 | 2,428 |
| EPS in Rs | 13.11 | 11.34 | 15.56 | 18.98 | 23.10 | 26.27 | 32.40 | 25.89 | 35.21 | 38.94 | 50.60 | 55.61 | 48.74 |
| Dividend Payout % | 15% | 26% | 22% | 17% | 26% | 13% | 25% | 35% | 28% | 28% | 25% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 15.0% | 17.0% | 16.0% |
| Profit CAGR | 14.0% | 12.0% | 18.0% |
Shareholding Pattern
Promoters51.46%
FIIs23.94%
DIIs17.52%
Public6.97%
Promoters51.37%
FIIs24.04%
DIIs17.41%
Public7.08%
Promoters51.31%
FIIs23.35%
DIIs18.25%
Public6.98%
Promoters51.28%
FIIs22.29%
DIIs19.41%
Public6.90%
Promoters51.22%
FIIs21.45%
DIIs20.64%
Public6.57%
Promoters48.02%
FIIs22.85%
DIIs17.23%
Public11.79%
Promoters51.27%
FIIs23.05%
DIIs15.96%
Public9.59%
Promoters51.55%
FIIs23.68%
DIIs17.74%
Public6.93%
Promoters51.28%
FIIs22.29%
DIIs19.41%
Public6.90%
Promoters51.22%
FIIs21.45%
DIIs20.64%
Public6.57%
ICICIGI
Holdings Analysis
Key strengths & risk signals
62
Overall
70
Fundamental
55
Technical
Risks (4)
VERY HIGH DEBT! D/E of 3.77 - significant risk.
POOR YEAR! Stock declined 23.6% in the last year.
WEAK POSITION! Current price (1486.7) is below both moving averages.
WEAK! Trading at 9.9% of 52W range - near yearly lows.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 7 up days, 22 down days. Avg volume on up days: 1,108,001 vs down days: 877,183. Ratio: 1.26x
APPROACHING OVERSOLD! RSI at 37.0 - watch for reversal.
Fundamental & Technical Analysis
62Overall
70Fundamental
55Technical
Fundamental Breakdown
Growth Quality
24/30
Revenue CAGR: 14.9% (GOOD, 11/15). Profit CAGR: 17.0% (VERY GOOD, 13/15).
Profit Margin
3/10
LOW MARGIN! 8.8% profit margin - thin profits.
PEG Valuation
8/10
FAIRLY VALUED! PEG of 1.81 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.97% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.77 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.79% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (1612.3) is below 200-day average (1781.9) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (1486.7) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 23.6% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 7 up days, 22 down days. Avg volume on up days: 1,108,001 vs down days: 877,183. Ratio: 1.26x
RSI
4/5
APPROACHING OVERSOLD! RSI at 37.0 - watch for reversal.
52W Range
1/5
WEAK! Trading at 9.9% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 1.5% (1 week), -8.6% (1 month), -20.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
ICICIGI
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-20 | Concall PDF | |
| Q2FY262026-01-19 | Concall PDF | |
| Q1FY262025-10-20 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Diversified · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICIGI | ₹1,486.70 | 30.7 | 8.8% | 14.9% | 17.0% | -23.6% | 62 | BREAKDOWN | -46.0% | -26.2% | +10.9% | +5.1% |
| NIACL | ₹197.10 | 42.2 | 1.5% | 6.9% | 10.5% | -6.0% | 67 | CONSOLIDATING UP | -160.6% | -142.0% | +1.5% | -5.1% |
| IDFCFIRSTB | ₹86.30 | 33.3 | 9.1% | 19.6% | -13.5% | +18.2% | 64 | APPROACHING RESISTANCE | +153.1% | +247.2% | +15.7% | +13.4% |
| INDUSINDBK | ₹958.20 | 56.6 | 7.6% | -0.4% | -50.7% | +28.7% | 55 | CONSOLIDATING DOWN | +71.7% | +74.5% | -4.8% | +6.3% |
| LTF | ₹302.30 | 23.8 | 33.1% | 17.7% | 22.5% | +20.0% | 75 | BREAKDOWN | +28.7% | +11.9% | +21.8% | +9.4% |
| YESBANK | ₹23.10 | 19.3 | 23.2% | 25.3% | 68.4% | +11.1% | 75 | HIT RESISTANCE | +32.6% | -1.0% | +11.0% | +4.7% |
| NAM-INDIA | ₹1,119.00 | 45.5 | 52.5% | 26.1% | 28.3% | +34.0% | 80 | BREAKDOWN | +27.2% | +30.9% | +26.4% | +3.8% |
| ICICIPRULI | ₹490.50 | 42.2 | 2.6% | 8.5% | 25.5% | -22.3% | 58 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
Data from TradeAlone · Updated daily
