ICICIGI
ICICI Lombard General Insurance Company Limited (ICICIGI) Stock Analysis
ICICI Lombard General Insurance Company Limited is a leading non-life insurer offering motor, health, fire, and commercial covers. It distributes through agents, bancassurance, and online channels to retail and corporate clients. The company focuses on underwriting discipline and claims service. It is India's prominent listed general insurer.
Financial Services › Insurance - Diversified
₹1,691.50
+4.16% 1W | -15.20% 52W
Market Cap
84.5k CR
P/E Ratio
34.9
52W High
₹2064.9
52W Low
₹1423.1
Div. Yield
0.83%
Beta
0.4
50 DMA
₹1569.9
200 DMA
₹1743.9
Profit Margin
8.8%
Inst. Own.
83.2%
📉 CONSOLIDATING DOWN
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,271 | 5,194 | 5,391 | 5,601 | 6,147 | 6,161 | 6,051 | 6,396 | 6,869 | 6,905 | 6,825 | 7,088 | 8,220 |
| Expenses | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 | 5,825 | 6,051 | 6,138 | 6,566 | 7,005 |
| Operating Profit | 762 | 555 | 690 | 770 | 940 | 962 | 609 | 981 | 1,044 | 854 | 686 | 522 | 1,215 |
| OPM % | 14% | 11% | 13% | 14% | 15% | 16% | 10% | 15% | 15% | 12% | 10% | 7% | 15% |
| Other Income | 2 | 19 | 8 | 4 | -21 | -2 | 60 | 13 | 33 | 16 | 32 | 14 | 32 |
| 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 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 | 1,077 | 870 | 718 | 536 | 1,247 |
| Tax % | 24% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 24% | 24% | 24% | 25% | 24% |
| Net Profit | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 | 820 | 659 | 547 | 403 | 946 |
| EPS in Rs | 11.75 | 8.76 | 10.54 | 11.77 | 14.03 | 14.63 | 10.28 | 15.04 | 16.47 | 13.23 | 10.96 | 8.08 | 18.94 |
| 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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,234 | 6,033 | 7,520 | 6,912 | 11,163 | 11,517 | 12,161 | 16,026 | 17,876 | 20,572 | 23,961 | 26,994 | 29,038 |
| Expenses | 4,456 | 5,269 | 6,601 | 7,174 | 9,494 | 9,745 | 10,090 | 15,010 | 16,612 | 17,918 | 20,554 | 23,264 | 25,760 |
| Operating Profit | -221 | 764 | 919 | -262 | 1,669 | 1,772 | 2,072 | 1,016 | 1,264 | 2,654 | 3,407 | 3,731 | 3,277 |
| OPM % | -5% | 13% | 12% | -3.8% | 15% | 15% | 17% | 6% | 7% | 13% | 14% | 14% | 11% |
| Other Income | 992 | 0 | -2 | 1,569 | -2 | 15 | 12 | 809 | 991 | 35 | 39 | 93 | 94 |
| Interest | 12 | 0 | 0 | 59 | 70 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 54 | 57 | 7 | 51 | 0 | 90 | 130 | 141 | 142 | 134 | 124 | 165 | 0 |
| Profit before tax | 705 | 708 | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,555 | 3,321 | 3,659 | 3,371 |
| Tax % | 17% | 28% | 23% | 28% | 34% | 30% | 25% | 24% | 18% | 25% | 24% | 24% | |
| Net Profit | 585 | 507 | 702 | 862 | 1,049 | 1,194 | 1,473 | 1,271 | 1,729 | 1,919 | 2,508 | 2,772 | 2,555 |
| EPS in Rs | 13.11 | 11.34 | 15.56 | 18.98 | 23.10 | 26.27 | 32.40 | 25.89 | 35.21 | 38.94 | 50.60 | 55.61 | 51.21 |
| Dividend Payout % | 15% | 26% | 22% | 17% | 26% | 13% | 25% | 35% | 28% | 28% | 25% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 15.0% | 17.0% | 16.0% |
| Profit CAGR | 14.0% | 12.0% | 18.0% |
Shareholding Pattern
Promoters51.46%
FIIs23.94%
DIIs17.52%
Public6.97%
Promoters51.37%
FIIs24.04%
DIIs17.41%
Public7.08%
Promoters51.31%
FIIs23.35%
DIIs18.25%
Public6.98%
Promoters51.28%
FIIs22.29%
DIIs19.41%
Public6.90%
Promoters51.22%
FIIs21.45%
DIIs20.64%
Public6.57%
Promoters48.02%
FIIs22.85%
DIIs17.23%
Public11.79%
Promoters51.27%
FIIs23.05%
DIIs15.96%
Public9.59%
Promoters51.55%
FIIs23.68%
DIIs17.74%
Public6.93%
Promoters51.28%
FIIs22.29%
DIIs19.41%
Public6.90%
Promoters51.22%
FIIs21.45%
DIIs20.64%
Public6.57%
ICICIGI
Holdings Analysis
Key strengths & risk signals
72
Overall
67
Fundamental
78
Technical
Risks (2)
VERY HIGH DEBT! D/E of 3.77 - significant risk.
WEAK YEAR! Stock declined 15.2% in the last year.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BREAKOUT! Stock has broken above resistance levels with momentum.
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,266,435 vs down days: 817,368. Ratio: 1.55x
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
Fundamental & Technical Analysis
72Overall
67Fundamental
78Technical
Fundamental Breakdown
Growth Quality
24/30
Revenue CAGR: 17.0% (VERY GOOD, 13/15). Profit CAGR: 12.0% (GOOD, 11/15).
Profit Margin
3/10
LOW MARGIN! 8.8% profit margin - thin profits.
PEG Valuation
5/10
OVERVALUED! PEG of 2.91 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.83% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.77 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.79% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (1569.9) is below 200-day average (1743.9) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (1691.5) above 50-day but below 200-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 15.2% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,266,435 vs down days: 817,368. Ratio: 1.55x
RSI
3/5
BULLISH! RSI at 63.4 - positive momentum.
52W Range
3/5
MID RANGE! Trading at 41.8% of 52W range - neutral zone.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 4.2% (1 week), 18.5% (1 month), 4.9% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
ICICIGI
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-20 | Concall PDF | |
| Q2FY262026-01-19 | Concall PDF | |
| Q1FY262025-10-20 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Diversified · 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICIGI | ₹1,691.50 | 34.9 | 8.8% | 17.0% | 12.0% | -15.2% | 72 | BREAKOUT | – | +134.6% | – | +15.4% |
| NIACL | ₹183.30 | 39.2 | 1.5% | 6.9% | 10.5% | +1.5% | 64 | APPROACHING SUPPORT | -160.6% | -142.0% | +1.5% | -5.1% |
| FEDERALBNK | ₹335.00 | 17.9 | 30.7% | 16.6% | 11.1% | +52.3% | 74 | BREAKOUT | +36.8% | -6.3% | +16.7% | -6.9% |
| MCX | ₹3,216.40 | 67.2 | 55.6% | 67.9% | 107.5% | +70.3% | 77 | BREAKDOWN | +103.4% | -22.0% | +88.1% | -21.0% |
| RECLTD | ₹309.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 69 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
| IDBI | ₹83.50 | 9.6 | 48.6% | 7.9% | 35.5% | -2.1% | 69 | APPROACHING SUPPORT | +5.3% | +6.0% | -1.4% | +7.5% |
| AUBANK | ₹1,002.70 | 26.5 | 25.6% | 30.4% | 22.8% | +24.6% | 81 | BOUNCE FROM SUPPORT | +37.0% | -4.3% | +18.5% | +2.2% |
| BAJAJHFL | ₹83.80 | 25.9 | 63.2% | 25.5% | 26.7% | -23.2% | 71 | APPROACHING RESISTANCE | +22.6% | +6.9% | +17.9% | +5.1% |
Data from TradeAlone · Updated daily
ICICIGI News
Icici Lombard General Insurance Company Limited Q2 Fy2027: Profit Soars by 27.5% Declares Interim Dividend of ₹7.00 Per Share2026-10-14ICICI Lombard General Insurance Company Limited (NSE: ICICIGI) breaks below support, moves down 10% intraday2026-07-16Icici Lombard General Insurance Company Limited Q1 Fy2027: Profit Dips on Exceptional Items2026-07-15
