ICICI Lombard General Insurance

Market Cap (₹ Cr.)

₹91,038

52 Week High

2,301.90

Book Value

₹

52 Week Low

1,353.50

PE Ratio

40.91

PB Ratio

6.68

PE for Sector

30.39

PB for Sector

4.09

ROE

15.72 %

ROCE

-6.84 %

Dividend Yield

0.60 %

EPS

₹42.73

Industry

Insurance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

9.18 %

Net Income Growth

10.96 %

Cash Flow Change

5.09 %

ROE

-5.05 %

ROCE

-24.62 %

EBITDA Margin (Avg.)

10.79 %

Financial Results

Quarterly Financials	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	1,733	2,016	1,902	1,870	2,004	2,203	2,125	2,149	2,378	2,692	2,523	2,658	2,791	2,858	2,915	2,969	2,844	3,007	3,199	3,628	4,033	3,982	4,019	4,801	4,149	4,705	4,570	5,447	4,726	5,272	5,212	5,399	5,605	6,126
Expenses	1,541	1,772	1,676	1,621	1,703	1,917	1,803	1,862	1,935	2,243	2,162	2,312	2,316	2,397	2,525	2,598	2,313	2,453	2,781	3,178	3,775	3,388	3,598	4,391	3,684	4,095	4,105	4,874	4,206	4,509	4,638	4,701	4,831	5,207
EBITDA	192	244	226	249	300	286	322	287	443	449	361	345	475	461	390	371	531	555	418	450	258	594	421	410	465	610	465	573	520	764	574	698	774	919
Operating Profit %	-10 %	-9 %	-9 %	-2 %	-11 %	-6 %	-3 %	-2 %	-5 %	-1 %	-2 %	-5 %	-3 %	-2 %	-3 %	-11 %	0 %	0 %	-6 %	-21 %	-20 %	-4 %	-9 %	-32 %	-6 %	-7 %	-8 %	-31 %	-8 %	-5 %	-8 %	-8 %	-7 %	-4 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	192	244	226	249	300	286	322	287	443	449	361	345	475	461	390	371	531	555	418	450	258	594	421	410	465	610	465	573	520	764	574	698	774	919
Tax	61	73	5	69	86	82	91	75	154	156	122	118	165	153	96	89	133	139	105	104	64	147	103	98	116	19	113	136	130	186	142	178	194	225
Net Profit	131	171	220	180	214	204	232	212	289	293	239	228	310	308	294	282	398	416	314	346	194	447	318	313	349	591	353	437	390	577	431	520	580	694
EPS in ₹	2.92	3.82	4.92	4.01	4.74	4.51	5.11	4.67	6.37	6.46	5.27	5.01	6.82	6.78	6.47	6.20	8.76	9.15	6.90	7.61	3.96	9.11	6.47	6.37	7.11	12.03	7.18	8.90	7.95	11.75	8.78	10.55	11.77	14.05

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	3,485	4,889	5,760	6,144	6,191	8,601	9,724	10,641	12,985
Fixed Assets	510	516	509	557	771	717	941	883	930
Current Assets	3,596	7,931	10,940	10,405	9,732	7,429	11,139	11,077	13,408
Capital Work in Progress	10	11	38	17	12	14	11	25	94
Investments	11,563	15,079	18,193	22,231	26,327	30,892	38,786	43,180	48,907
Other Assets	-8,598	-10,717	-12,980	-16,661	-20,919	-23,022	-30,014	-33,447	-36,946
Total Liabilities	249	988	1,033	744	151	1,002	531	197	780
Current Liabilities	12,191	18,462	23,990	27,259	30,852	30,697	41,124	44,445	50,323
Non Current Liabilities	248	988	1,033	744	151	1,002	531	197	780
Total Equity	3,236	3,901	4,727	5,400	6,039	7,599	9,193	10,444	12,205
Reserve & Surplus	2,789	3,450	4,273	4,946	5,585	7,144	8,702	9,953	11,712
Share Capital	448	451	454	454	454	455	491	491	493

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-20	53	-1	398	-190	-369	195	65	-90	131
Investing Activities	171	-310	-1,990	-1,896	-2,856	-3,382	-1,367	135	-1,685	-1,921
Operating Activities	-98	511	1,628	2,390	2,976	3,433	1,774	809	2,290	2,407
Financing Activities	-93	-148	361	-96	-310	-420	-212	-879	-695	-355

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	51.88 %	51.87 %	48.08 %	48.05 %	48.04 %	48.03 %	48.02 %	48.02 %	48.02 %	48.01 %	48.00 %	47.91 %	51.27 %	51.81 %	51.66 %
FIIs	29.08 %	29.75 %	27.73 %	28.12 %	26.88 %	25.00 %	24.07 %	23.39 %	22.85 %	22.00 %	22.37 %	23.04 %	23.06 %	23.93 %	24.75 %
DIIs	11.96 %	11.69 %	10.53 %	13.47 %	13.74 %	15.38 %	16.02 %	16.84 %	17.38 %	18.26 %	18.56 %	18.01 %	16.11 %	17.29 %	16.73 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	7.08 %	6.69 %	13.65 %	10.36 %	11.34 %	11.59 %	11.88 %	11.75 %	11.75 %	11.73 %	11.07 %	11.04 %	9.56 %	6.96 %	6.86 %

Show % Change

Dividend History

No dividends have been distributed by the company in the past 10 years

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
LIC of India	882.90	5,67,257.44	13.66	8,64,897.68	8.57	40,916	-3.86	36.54
SBI Life Insurance	1,480.00	1,52,588.02	69.96	1,33,665.06	62.23	1,894	39.25	27.81
HDFC Life Insurance	673.70	1,46,448.19	86.45	1,02,006.61	42.38	1,574	15.07	36.75
ICICI Prudential Life Insurance	679.80	98,987.17	113.06	91,712.46	78.53	851	2.92	32.54
ICICI Lombard General Insurance	1,811.95	91,038.23	40.91	20,602.12	9.18	1,919	20.21	29.19
GIC of India	363.55	65,175.96	8.96	46,556.85	-2.50	6,508	9.87	50.17
Go Digit General Insurance	324.60	29,104.87	101.61	8,615.38	46.38	182	223.11	36.75
The New India Assurance Company	170.71	28,996.56	21.30	43,690.98	6.38	1,091	151.68	29.35
Star Health Insurance	459.80	27,148.56	31.50	14,026.48	15.90	845	-11.18	24.92
Niva Bupa Health Insurance Company	73.05	13,510.86	164.33	4,336.27	34.36	82	-	-