ICICIPRULI
ICICI Prudential Life Insurance Company Limited (ICICIPRULI) Stock Analysis
ICICI Prudential Life Insurance Company Limited sells life insurance, ULIPs, and protection products across India. It partners with banks and agents while growing digital sales and renewals. The company manages a large book of policies and embedded-value metrics. It is a major listed private life insurer.
Financial Services › Insurance - Life
₹445.00
-3.38% 1W | -24.60% 52W
Market Cap
64.6k CR
P/E Ratio
36.7
52W High
₹706.8
52W Low
₹435.2
Div. Yield
0.37%
Beta
0.5
50 DMA
₹481.1
200 DMA
₹538.4
Profit Margin
2.7%
Inst. Own.
70.5%
📉 CONSOLIDATING DOWN
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 10,984 | 23,384 | 17,388 | 26,430 | 22,482 | 25,396 | 25,158 | 4,536 | 15,687 | 25,401 | 11,936 | 22,834 | 3,185 |
| Expenses | 11,400 | 23,663 | 17,682 | 26,584 | 22,760 | 25,362 | 24,839 | 4,295 | 15,272 | 25,188 | 11,955 | 22,093 | 3,940 |
| Operating Profit | -416 | -280 | -293 | -155 | -278 | 34 | 319 | 241 | 415 | 213 | -19 | 741 | -754 |
| OPM % | -3.8% | -1.2% | -1.7% | -0.6% | -1.2% | 0.1% | 1.3% | 5% | 2.6% | 0.8% | -0.2% | 3.2% | -24% |
| Other Income | 780 | 496 | 570 | 420 | 549 | 237 | -17 | 169 | 183 | 177 | 408 | -243 | 1,036 |
| 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 | 364 | 216 | 276 | 265 | 270 | 271 | 302 | 410 | 598 | 390 | 389 | 498 | 281 |
| Tax % | 35% | 5% | 12% | 14% | 36% | 17% | 17% | 21% | 36% | 23% | 24% | 22% | -122% |
| Net Profit | 235 | 206 | 244 | 227 | 174 | 224 | 251 | 325 | 385 | 301 | 296 | 387 | 624 |
| EPS in Rs | 1.64 | 1.43 | 1.69 | 1.58 | 1.21 | 1.56 | 1.74 | 2.25 | 2.67 | 2.08 | 2.04 | 2.67 | 4.30 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 34,453 | 20,849 | 37,816 | 38,832 | 41,463 | 21,025 | 83,182 | 63,564 | 50,478 | 89,683 | 70,778 | 63,357 |
| Expenses | 32,798 | 19,008 | 36,010 | 37,062 | 40,922 | 21,344 | 83,572 | 65,728 | 52,235 | 90,580 | 69,321 | 62,050 |
| Operating Profit | 1,655 | 1,842 | 1,806 | 1,771 | 541 | -319 | -390 | -2,163 | -1,757 | -897 | 1,457 | 1,307 |
| OPM % | 4.8% | 9% | 4.8% | 4.6% | 1.3% | -1.5% | -0.5% | -3.4% | -3.5% | -1.0% | 2.1% | 2.1% |
| Other Income | 43 | 0 | 130 | 132 | 813 | 1,578 | 1,669 | 3,191 | 2,925 | 2,039 | 258 | 397 |
| Interest | 17 | 0 | 15 | 20 | 23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 40 | 0 | 58 | 44 | 57 | 61 | 60 | 67 | 84 | 113 | 134 | 145 |
| Profit before tax | 1,642 | 1,842 | 1,863 | 1,839 | 1,274 | 1,198 | 1,219 | 961 | 1,085 | 1,028 | 1,582 | 1,559 |
| Tax % | 0% | 10% | 10% | 12% | 11% | 11% | 22% | 21% | 25% | 17% | 25% | -3% |
| Net Profit | 1,640 | 1,650 | 1,682 | 1,619 | 1,139 | 1,067 | 956 | 759 | 813 | 851 | 1,186 | 1,608 |
| EPS in Rs | 11.46 | 11.52 | 11.72 | 11.28 | 7.93 | 7.43 | 6.66 | 5.28 | 5.65 | 5.90 | 8.20 | 11.09 |
| Dividend Payout % | 51% | 73% | 63% | 59% | 40% | 11% | 30% | 10% | 11% | 10% | 10% | 15% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 8.0% | -5.0% | 12.0% |
| Profit CAGR | 26.0% | 11.0% | 0.0% |
Shareholding Pattern
Promoters72.96%
FIIs13.12%
DIIs8.86%
Public5.07%
Promoters72.93%
FIIs13.15%
DIIs8.65%
Public5.26%
Promoters72.88%
FIIs11.48%
DIIs10.41%
Public5.22%
Promoters72.80%
FIIs10.89%
DIIs11.05%
Public5.23%
Promoters72.73%
FIIs10.22%
DIIs11.81%
Public5.22%
Promoters73.34%
FIIs15.20%
DIIs6.14%
Public5.30%
Promoters73.24%
FIIs13.35%
DIIs8.54%
Public4.85%
Promoters73.00%
FIIs13.24%
DIIs8.80%
Public4.94%
Promoters72.80%
FIIs10.89%
DIIs11.05%
Public5.23%
Promoters72.73%
FIIs10.22%
DIIs11.81%
Public5.22%
ICICIPRULI
Holdings Analysis
Key strengths & risk signals
56
Overall
73
Fundamental
39
Technical
Risks (4)
LOW MARGIN! 2.7% profit margin - thin profits.
POOR YEAR! Stock declined 24.6% in the last year.
WEAK POSITION! Current price (445.0) is below both moving averages.
WEAK! Trading at 3.6% of 52W range - near yearly lows.
Strengths (3)
FAIRLY VALUED! PEG of 1.44 indicates reasonable valuation.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 37.3 - watch for reversal.
Fundamental & Technical Analysis
56Overall
73Fundamental
39Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 8.5% (MODERATE, 8/15). Profit CAGR: 25.5% (EXCELLENT, 15/15).
Profit Margin
2/10
LOW MARGIN! 2.7% profit margin - thin profits.
PEG Valuation
9/10
FAIRLY VALUED! PEG of 1.44 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.37% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.22 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 4.92% public ownership - strong promoter/institutional control.
Stability Index
6/10
MODERATE STABILITY! 2 revenue dips in history. Acceptable but monitor closely.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (481.1) is below 200-day average (538.4) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (445.0) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
1/10
POOR YEAR! Stock declined 24.6% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 1,461,405 vs down days: 1,840,712. Ratio: 0.79x
RSI
4/5
APPROACHING OVERSOLD! RSI at 37.3 - watch for reversal.
52W Range
1/5
WEAK! Trading at 3.6% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.4% (1 week), 5.3% (1 month), 10.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
ICICIPRULI
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-22 | Concall PDF | |
| Q2FY262026-01-20 | Concall PDF | |
| Q1FY262025-10-23 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Life · 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICIPRULI | ₹445.00 | 36.7 | 2.7% | 8.5% | 25.5% | -24.6% | 56 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
| MFSL | ₹1,294.90 | 409.8 | 0.2% | 15.0% | -39.5% | -17.0% | 51 | BREAKDOWN | +37.4% | -462.1% | +16.8% | +38.6% |
| STARHEALTH | ₹548.90 | 38.3 | 3.6% | 14.0% | -3.4% | +9.9% | 65 | APPROACHING RESISTANCE | +25.4% | +393.9% | +12.6% | +13.7% |
| HDFCLIFE | ₹553.00 | 58.4 | 1.9% | 9.3% | 11.8% | -25.9% | 52 | APPROACHING RESISTANCE | +11.5% | +22.9% | +14.4% | +70.2% |
| SBILIFE | ₹1,656.80 | 63.9 | 2.1% | 11.1% | 12.8% | -9.5% | 53 | APPROACHING RESISTANCE | +22.0% | -9.9% | +18.8% | +1,031.9% |
| LICI | ₹397.80 | 8.4 | 6.5% | 7.3% | 16.9% | -11.0% | 64 | APPROACHING RESISTANCE | +24.0% | -42.1% | +6.6% | -13.3% |
| NIVABUPA | ₹76.00 | 39 | 4.8% | 36.4% | 118.5% | +0.1% | 69 | APPROACHING RESISTANCE | +93.0% | -60.1% | +27.9% | +15.6% |
| CANHLIFE | ₹130.40 | 92.5 | 1.1% | 5.0% | 6.0% | +21.5% | 53 | BREAKDOWN | – | +53.0% | – | -41.3% |
Data from TradeAlone · Updated daily
ICICIPRULI News
Icici Prudential Life Insurance Company Limited Performance Update: H1-fy20272026-10-13Icici Prudential Life Insurance Company Limited (icicipruli) Q1-fy2027 Performance Update: VNB Growth, Profitability Surge2026-07-15Icici Prudential Life Insurance Company Limited (icicipruli) June 2026 Premium Growth Hits ₹2 Billion2026-07-08Icici Prudential Life Insurance Company Limited (icicipruli) May 2026 Performance Update: Premium Growth Up 21.4%2026-06-09ICICIPRULI Q1 FY2026: 2% Y-o-Y Premium Growth2026-05-08
