ICICI Lombard General Insurance Company Limited
₹1,572.00+₹11.25 (+0.7%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹93,966 Cr
- P/E
- 34.4x
- EV / EBITDA
- 33.9x
- Revenue
- ₹23,961 Cr
- Net margin
- 9.3%
- ROCE
- 4.9%
Price chart
Technical chartScreen technicals →-21.9% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -0.7%
- 3M
- -4.0%
- 6M
- -10.8%
- 1Y
- -21.9%
- 5Y
- +2.9%
52-week range
Day change +₹11.25 (+0.7%) from ₹1,561 to ₹1,572 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in ICICIGI, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Healthy return on equity of 17.3%
Concerns0
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 49.8 Cr shares
- ISIN
- INE765G01017
- BSE code
- 540716
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹93,966 Cr
- P/E
- 34.4x
- P/B
- 5.7x
- EV / EBITDA
- 33.9x
- EV / Sales
- 4.4x
- P/S
- 4.6x
- Earnings yield
- 2.9%
- 52-week high
- ₹2,043.50
- 52-week low
- ₹1,433.55
Profitability
- Operating margin
- 12.9%
- Net margin
- 9.3%
- EBITDA margin
- 13.1%
- ROE
- 17.3%
- ROCE
- 4.9%
- ROA
- 3.0%
- Dividend payout
- 28.0%
- Tax rate
- 25.0%
- Other income, % of PBT
- 1.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹23,961 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 16.5%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 12.3%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,689 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 19.2%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 30.7%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 10.0%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,407 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 5.1%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹247 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 14.9%
Solvency and efficiency
- Current ratio
- 1.22
- Debt / Assets
- 0.00
- Debt / EBITDA
- 0.01
- Financial leverage
- 5.19
- CFO / Net profit
- 1.25
- Cash / Market cap
- 14.6%
- Cash per share
- ₹274.97
- Asset turnover
- 0.32
- Fixed asset turnover
- 22.12
- Capital intensity
- 0.05
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹10 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹20,554 Cr |
| Sales | Operating profit | ₹3,407 Cr |
| Operating profit | Depreciation | ₹124 Cr |
| Operating profit | Profit before tax | ₹3,283 Cr |
| Other income | Profit before tax | ₹39 Cr |
| Profit before tax | Tax and other | ₹813 Cr |
| Profit before tax | Net profit | ₹2,508 Cr |
Revenue and net profit
Revenue grew 16.5% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹12,161 Cr | ₹1,473 Cr |
| FY2022 | ₹16,026 Cr | ₹1,271 Cr |
| FY2023 | ₹17,876 Cr | ₹1,729 Cr |
| FY2024 | ₹20,572 Cr | ₹1,919 Cr |
| FY2025 | ₹23,961 Cr | ₹2,508 Cr |
Cash flows
FY2025: ₹1,147 Cr from operations, ₹10.0 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹1,774 Cr | ₹407 Cr |
| FY2022 | ₹809 Cr | ₹944 Cr |
| FY2023 | ₹2,290 Cr | ₹605 Cr |
| FY2024 | ₹2,407 Cr | ₹486 Cr |
| FY2025 | ₹1,147 Cr | ₹10 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹23,961 Cr+16.5%1Y
- Net profit
- ₹2,508 Cr+30.7%1Y
- Cash from operations
- ₹1,147 Cr
- Free cash flow
- ₹10 Cr-97.9%1Y
- Revenue CAGR, 5Y
- 12.3%
- EBITDA CAGR, 5Y
- 8.5%
- Net profit CAGR, 5Y
- 10.0%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹23,961 Cr | ₹3,407 Cr | — | ₹2,508 Cr | ₹1,147 Cr | ₹10 Cr | 17.3% | +16.5% | +30.7% |
Monthly returns
Month-by-month returns of ICICIGI across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹69,020 Cr |
| Equity capital | ₹496 Cr |
| Reserves | ₹13,989 Cr |
| Borrowings | ₹0 Cr |
| Other liabilities | ₹54,535 Cr |
| Assets | ₹69,020 Cr |
| Fixed assets | ₹728 Cr |
| Capital work in progress | ₹74 Cr |
| Investments | ₹53,508 Cr |
| Other assets | ₹14,710 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
ICICIGI trades at 34.4x earnings against a peer median of 26.9x (a 28% premium).
Not shown (no positive earnings and no EV / Sales): One 97 Communications Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| ICICI Lombard General Insurance Company LimitedICICIGIthis companyP/E ↑ premium | ₹93,966 Cr | 34.4x | 5.7x | 17.3% | 33.9x |
| IDBI Bank LtdIDBI | ₹1.1 L Cr | 11.6x | 1.7x | 12.5% | — |
| Indian BankINDIANB | ₹1.1 L Cr | 9.3x | 1.5x | 15.8% | — |
| HDFC Asset Management Company LimitedHDFCAMC | ₹1.1 L Cr | 38.8x | 13.7x | 30.3% | 41.9x |
| ICICI Prudential Life Insurance Company LimitedICICIPRULI | ₹98,790 Cr | 71.7x | 7.3x | 7.3% | 85.9x |
| REC LIMITEDRECLTD | ₹96,561 Cr | 5.6x | 1.2x | 20.2% | 9.1x |
| Aditya Birla Capital LtdABCAPITAL | ₹91,754 Cr | 32.1x | 3.4x | 11.7% | 15.7x |
| One 97 Communications LimitedPAYTM | ₹81,975 Cr | — | 6.4x | -6.1% | -109.4x |
| SBI CARDS AND PAYMENT SERVICES LIMITEDSBICARD | ₹81,669 Cr | 42.6x | 5.5x | 13.9% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
ICICIGI since 1 January, against earlier years.
Historical volatility
ICICIGI's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 17.0% |
| FY2022 | 6.0% |
| FY2023 | 7.0% |
| FY2024 | 13.0% |
| FY2025 | 14.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹23,961 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹20,554 Cr |
| Operating profitOperating Profit | ₹3,407 Cr |
| Other income and charges | |
| Profit before tax | ₹3,321 Cr |
| Tax | |
| Net profitNet Profit | ₹2,508 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹69,020 Cr |
| Equity capitalEquity Capital | ₹496 Cr |
| Reserves | ₹13,989 Cr |
| Borrowings | ₹0 Cr |
| Other liabilitiesOther Liabilities | ₹54,535 Cr |
| AssetsTotal Assets | ₹69,020 Cr |
| Fixed assetsFixed Assets | ₹728 Cr |
| Capital work in progressCWIP | ₹74 Cr |
| Investments | ₹53,508 Cr |
| Other assetsOther Assets | ₹14,710 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹1,147 Cr |
| Investing cash flowCash from Investing Activity | -₹1,137 Cr |
| Financing cash flowCash from Financing Activity | -₹257 Cr |
| Change in cashNet Cash Flow | -₹247 Cr |
Learn while you research
Academy chapters picked for ICICI Lombard General Insurance Company Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 34.4, learn when high multiples are justified.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read