ICICI Prudential Life Insurance Company Limited
₹433.00+₹2.00 (+0.5%)
Last close · Data as of Oct 22, 2026
- Market cap
- ₹98,790 Cr
- P/E
- 71.7x
- EV / EBITDA
- 85.9x
- Revenue
- ₹70,775 Cr
- Net margin
- 1.0%
- ROCE
- 0.4%
Price chart
Technical chartScreen technicals →-28.7% 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
- -10.9%
- 3M
- -13.3%
- 6M
- -19.9%
- 1Y
- -28.7%
- 5Y
- -30.2%
52-week range
Day change +₹2.00 (+0.5%) from ₹431 to ₹433 · Last close Oct 22, 2026
Best weekday to invest, historically
The same weekly amount in ICICIPRULI, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 33.7%
Concerns1
- Low return on equity of 7.3%
Rule-based from financial data. Not advice.
About the company
ICICI Prudential Life Insurance Company Limited provides life insurance, annuity, pension, and health insurance products to individuals and groups in India. The company offers term, savings, unit linked, guaranteed return, child education, and retirement insurance plans; and pension fund management services.
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ICICI Prudential Life Insurance Company Limited provides life insurance, annuity, pension, and health insurance products to individuals and groups in India. The company offers term, savings, unit linked, guaranteed return, child education, and retirement insurance plans; and pension fund management services. It distributes its products through individual and corporate agents, banks, and brokers, as well as through its sales force and website. The company was incorporated in 2000 and is based in Mumbai, India. ICICI Prudential Life Insurance Company Limited is a subsidiary of ICICI Bank Limited.
- Sector
- Financial Services
- Shares outstanding
- 145 Cr shares
- ISIN
- INE726G01019
- BSE code
- 540133
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹98,790 Cr
- P/E
- 71.7x
- P/B
- 7.3x
- EV / EBITDA
- 85.9x
- EV / Sales
- 1.1x
- P/S
- 1.1x
- Earnings yield
- 1.4%
- 52-week high
- ₹688.00
- 52-week low
- ₹431.00
Profitability
- Operating margin
- -1.0%
- Net margin
- 1.0%
- EBITDA margin
- 1.3%
- ROE
- 7.3%
- ROCE
- 0.4%
- ROA
- 0.3%
- Dividend payout
- 10.0%
- Tax rate
- 17.0%
- Other income, % of PBT
- 196.0%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹70,775 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.
- -21.1%
- 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.
- 33.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,144 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.
- -1.7%
- 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.
- 39.6%
- 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.
- -4.4%
- 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.
- -₹7,305 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.
- -8401.1%
- 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.
- -₹1,116 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.
- 16.9%
Solvency and efficiency
- Current ratio
- 1.06
- Debt / Assets
- 0.00
- Debt / EBITDA
- 1.05
- Financial leverage
- 18.69
- CFO / Net profit
- -8.57
- Cash / Market cap
- 8.7%
- Cash per share
- ₹58.91
- Asset turnover
- 0.30
- Fixed asset turnover
- 76.85
- Capital intensity
- 0.01
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹2 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹69,585 Cr |
| Sales | Operating profit | ₹1,190 Cr |
| Operating profit | Depreciation | ₹133 Cr |
| Operating profit | Profit before tax | ₹1,057 Cr |
| Other income | Profit before tax | ₹530 Cr |
| Profit before tax | Tax and other | ₹398 Cr |
| Profit before tax | Net profit | ₹1,189 Cr |
Revenue and net profit
Revenue fell 21.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹83,180 Cr | ₹960 Cr |
| FY2022 | ₹63,564 Cr | ₹754 Cr |
| FY2023 | ₹49,400 Cr | ₹811 Cr |
| FY2024 | ₹89,679 Cr | ₹852 Cr |
| FY2025 | ₹70,775 Cr | ₹1,189 Cr |
Cash flows
FY2025: -₹9,405 Cr from operations, -₹2,539 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹7,320 Cr | ₹2,230 Cr |
| FY2022 | ₹1,831 Cr | ₹1,016 Cr |
| FY2023 | ₹88 Cr | -₹1,059 Cr |
| FY2024 | -₹7,305 Cr | ₹109 Cr |
| FY2025 | -₹9,405 Cr | -₹2,539 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹70,775 Cr-21.1%1Y
- Net profit
- ₹1,189 Cr+39.6%1Y
- Cash from operations
- -₹9,405 Cr
- Free cash flow
- -₹2,539 Cr-2,429.4%1Y
- Revenue CAGR, 5Y
- 33.7%
- EBITDA CAGR, 5Y
- -1.9%
- Net profit CAGR, 5Y
- -4.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹70,775 Cr | ₹1,190 Cr | — | ₹1,189 Cr | -₹9,405 Cr | -₹2,539 Cr | 7.3% | -21.1% | +39.6% |
Monthly returns
Month-by-month returns of ICICIPRULI 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 | ₹3.1 L Cr |
| Equity capital | ₹1,445 Cr |
| Reserves | ₹14,898 Cr |
| Borrowings | ₹2,600 Cr |
| Other liabilities | ₹3.0 L Cr |
| Assets | ₹3.1 L Cr |
| Fixed assets | ₹1,314 Cr |
| Capital work in progress | ₹35 Cr |
| Investments | ₹3.0 L Cr |
| Other assets | ₹9,402 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
ICICIPRULI trades at 71.7x earnings against a peer median of 26.9x (a 167% 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 Prudential Life Insurance Company LimitedICICIPRULIthis companyP/E ↑ premium | ₹98,790 Cr | 71.7x | 7.3x | 7.3% | 85.9x |
| Bajaj Holdings & Investment LimitedBAJAJHLDNG | ₹1.2 L Cr | 46.0x | 5.2x | 6.7% | 39.1x |
| 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 |
| REC LIMITEDRECLTD | ₹96,561 Cr | 5.6x | 1.2x | 20.2% | 9.1x |
| ICICI Lombard General Insurance Company LimitedICICIGI | ₹93,966 Cr | 34.4x | 5.7x | 17.3% | 33.9x |
| 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 |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
ICICIPRULI since 1 January, against earlier years.
Historical volatility
ICICIPRULI'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 | 0.0% |
| FY2022 | -3.0% |
| FY2023 | -2.0% |
| FY2024 | -1.0% |
| FY2025 | 2.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹70,775 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹69,585 Cr |
| Operating profitOperating Profit | ₹1,190 Cr |
| Other income and charges | |
| Profit before tax | ₹1,587 Cr |
| Tax | |
| Net profitNet Profit | ₹1,189 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹3.1 L Cr |
| Equity capitalEquity Capital | ₹1,445 Cr |
| Reserves | ₹14,898 Cr |
| Borrowings | ₹2,600 Cr |
| Other liabilitiesOther Liabilities | ₹3.0 L Cr |
| AssetsTotal Assets | ₹3.1 L Cr |
| Fixed assetsFixed Assets | ₹1,314 Cr |
| Capital work in progressCWIP | ₹35 Cr |
| Investments | ₹3.0 L Cr |
| Other assetsOther Assets | ₹9,402 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹9,405 Cr |
| Investing cash flowCash from Investing Activity | ₹6,866 Cr |
| Financing cash flowCash from Financing Activity | ₹1,423 Cr |
| Change in cashNet Cash Flow | -₹1,116 Cr |
Learn while you research
Academy chapters picked for ICICI Prudential Life 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 71.7, 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