ICICI Lombard General Insurance Company Limited
ICICI Lombard General Insurance Company Limited provides various general insurance products and services in India. The company primarily offers fire, marine, cargo, engineering, aviation, public/product liability, employee group, workmen's compensation, cyber, personal accident, and travel insurance solutions. It also provides credit, crop, cattle, weather, mass health, and motor, as well as home insurance solutions. In addition, the company offers underwriting and claims, customer relationship, technology, operations, finance and accounts, human resources, legal and compliance, actuarial, marketing, business analytics, administration, secretarial, and fraud control, as well as reinsurance solutions. It serves its customers comprising individuals, corporates, state and central governments, government-owned enterprises, and rural customers, as well as micro, small, and medium enterprises through agents, brokers, bancassurance, tele-sales, direct alliances, motor insurance service providers, and online platforms. The company was incorporated in 2000 and is based in Mumbai, India. ICICI Lombard General Insurance Company Limited is a subsidiary of ICICI Bank Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Healthy return on equity of 17.3%
Concerns1
- Negative free cash flow (βΉ247 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ23.96 K Cr | β | βΉ2.51 K Cr | β | β | 17.3% | 16.5% | 30.7% |
| Mar 2024 | βΉ20.57 K Cr | β | βΉ1.92 K Cr | β | β | 15.7% | 15.1% | 11.0% |
| Mar 2023 | βΉ17.88 K Cr | β | βΉ1.73 K Cr | β | β | 16.6% | 11.5% | 36.0% |
| Mar 2022 | βΉ16.03 K Cr | β | βΉ1.27 K Cr | β | β | 13.8% | 31.8% | -13.7% |
| Mar 2021 | βΉ12.16 K Cr | β | βΉ1.47 K Cr | β | β | 19.4% | 5.6% | 23.4% |
| Mar 2020 | βΉ11.52 K Cr | β | βΉ1.19 K Cr | β | β | 19.5% | 3.2% | 13.8% |
| Mar 2019 | βΉ11.16 K Cr | β | βΉ1.05 K Cr | β | β | 19.4% | 61.5% | 21.7% |
| Mar 2018 | βΉ6.91 K Cr | β | βΉ862.00 Cr | β | β | 19.0% | -8.1% | 22.8% |
| Mar 2017 | βΉ7.52 K Cr | β | βΉ702.00 Cr | β | β | 18.0% | 24.6% | 38.5% |
| Mar 2016 | βΉ6.03 K Cr | β | βΉ507.00 Cr | β | β | 15.7% | 42.5% | -13.3% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 26,221 |
| Total Expenses | 22,733 |
| EBIT / Operating Profit | 3,487 |
| OPM % | 13% |
| Other Income | 121 |
| Finance Costs | 0 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 3,609 |
| Tax % | - |
| Net Profit / PAT | 2,735 |
| EPS (βΉ) | 55.02 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| ICICI Lombard General Insurance Company Limitedthis co. | βΉ93.97 K Cr | βΉ23.96 K Cr | 34.40 | 5.70 | 33.94 | 16.5% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |