ICICI Lombard General Insurance Company Ltd, Fundamental analysis

Industry Industry name	Insurance
Variance Full Year Net Profit Variance	9
Equity Latest Equity	499.34
Face Value Latest Face Value	10
Reserves Total Reserve	16508.66
Dividend Full Year Dividend %	135
Sales Turnover Full Year Net Sales	29632.86
Net Profit Full Year Net Profit	2579.31
Full Year CPS Full Year Cash Per Share	55
Earning Per Share Full Year Earning Per Share	51.7
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	5963.64
Previous EPS Previous earnings per share	0
Book Value Book value	340.6
Networth Full Year Return on Networth	17.8
Price/Book Value Price to Book value	4.76512
Yearly PE ratio Full Year Price to Earning per share	31.4
Yearly PC ratio Full Year Price to Cash Per Share	29.5
Bse value BSE Value in lakhs	6156.6
Nse value NSE Value in lakhs	209129.59
High 52 week high	2064
Low 52 week low	1544
Price NSE Current market price	1624
CPM Current market price	1623

Market cap BSE / NSE Market Cap	81047.53
Net profit Latest Quarter Net Profit	403.17
Net profit variance Latest Quarter Net Profit variance	-46
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	18229.86
TTM OP Trailing Twelve 12 month Operating Profit	2964.52
TTM OPM Trailing Twelve 12 month Operating Profit Margin	16.26
TTM GP Trailing Twelve 12 month Gross Profit	3200.92
TTM GPM Trailing Twelve 12 month Gross Profit Margin	13.81
TTM NP Trailing Twelve 12 month Net Profit	2225.28
TTM NPV Trailing Twelve 12 month Net Profit Variane	-9.23
TTM EPS Trailing Twelve 12 month EPS	48.62
TTM PE Trailing Twelve 12 month PE	33.38
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	499.34
LTP Latest Price (BSE/NSE)	1623
Gross block Latest Gross Block	2035.04
Loans Total loans	0
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	12
Year GPM Full Year Gross Profit Margin	12
Quarter OPM Latest quater Operation Profit Margin	9

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	5,026	5,045	5,226	5,136	5,652	5,685	5,791	5,950
YOY Sales Growth %	17%	17%	20%	14%	12%	13%	11%	16%
Gross Sales	5,026	5,045	5,226	5,136	5,652	5,685	5,791	5,950
Other Operating Income	1,122	1,116	826	1,259	1,218	1,219	1,034	1,138
+ Expenses	4,085	4,083	4,617	4,155	4,607	4,831	5,104	5,428
Manufacturing Cost %	96%	95%	97%	98%	96%	98%	98%	104%
Employee Cost %	7%	8%	8%	8%	7%	8%	7%	7%
Other Cost %	-22%	-22%	-16%	-25%	-22%	-22%	-17%	-20%
Other Manufacturing Expenses %	96%	95%	97%	98%	96%	98%	98%	104%
Selling & Administration %	0%	1%	0%	0%	0%	0%	0%	0%
Provisions & Contingencies %	-0%	-0%	-0%	-1%	-0%	-0%	1%	-1%
Operating Profit	940	962	609	981	1,044	854	686	522
OPM %	19%	19%	12%	19%	18%	15%	12%	9%
+ Other Income	-21	-2	60	13	33	16	32	14
Miscellaneous Income	-21	3	60	13	33	16	32	14
Gain on Forex Transaction	0	-6	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	919	960	668	994	1,077	870	718	536
+ Tax %	24%	25%	24%	25%	24%	24%	24%	25%
Current Tax	225	236	159	247	258	211	172	133
Net Profit	694	724	510	747	820	659	547	403
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	7,520	6,912	11,163	11,517	12,161	16,026	17,876	20,572	23,961	26,994
Sales Growth %		-8%	62%	3%	6%	32%	12%	15%	16%	13%
Gross Sales	6,164	6,912	8,375	9,404	10,014	13,032	14,823	16,866	19,800	22,264
Other Operating Income	1,310	1,533	1,796	2,007	2,169	2,994	3,053	3,705	4,161	4,731
+ Expenses	6,611	7,284	9,565	9,836	10,220	15,153	16,758	18,055	20,680	23,429
Manufacturing Cost %	60%	78%	67%	63%	57%	65%	63%	73%	74%	75%
Employee Cost %	6%	7%	5%	6%	6%	6%	6%	6%	6%	6%
Other Cost %	22%	20%	13%	17%	21%	24%	25%	9%	6%	5%
Other Manufacturing Expenses %	60%	78%	67%	63%	57%	65%	63%	73%	74%	75%
Selling & Administration %	20%	17%	12%	13%	15%	16%	17%	5%	3%	3%
Miscellaneous Expenses %	2%	1%	0%	4%	5%	7%	8%	3%	2%	2%
Provisions & Contingencies %	0%	1%	0%	1%	-0%	-0%	0%	1%	-0%	-0%
Operating Profit	910	-372	1,598	1,681	1,942	874	1,118	2,517	3,281	3,565
OPM %	12%	-5%	14%	15%	16%	5%	6%	12%	14%	13%
+ Other Income	0	1,569	0	16	12	810	995	38	40	94
Miscellaneous Income	54	37	72	119	495	811	989	28	45	94
Gain on Forex Transaction	-7	-1	7	3	0	-1	6	11	-6	0
Interest	0	59	70	0	0	0	0	0	0	0
Depreciation	7	51	0	90	130	141	142	134	124	165
Profit before tax	910	1,196	1,598	1,697	1,954	1,684	2,113	2,555	3,321	3,659
+ Tax %	23%	28%	34%	30%	25%	25%	18%	25%	24%	24%
Current Tax	161	459	639	508	524	386	303	664	689	835
Deferred Tax	47	-124	-90	-5	-44	27	80	-27	124	52
+ Net Profit	702	862	1,049	1,194	1,473	1,271	1,729	1,919	2,508	2,772
Profit Growth %		23%	22%	14%	23%	-14%	36%	11%	31%	11%
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	451	454	454	454	455	491	491	493	496	498
Reserves	3,449	4,087	4,946	5,680	7,144	8,702	9,952	11,712	13,989	16,135
+ Borrowings	485	485	485	485	485	255	35	35	0	0
Unsecured Borrowings	485	485	485	485	485	255	35	35	0	0
+ Other Liabilities	18,966	24,724	27,517	30,423	31,215	41,401	44,608	51,069	54,660	59,478
Current Liabilities	18,462	23,990	27,259	30,851	30,697	41,124	44,445	50,323	54,161	60,039
Provisions	3,548	4,478	5,636	5,872	6,597	8,058	8,786	10,274	11,297	12,453
Equity Application Money	1	0	0	0	0	0	1	1	0	1
Other liability items	503	734	259	-429	517	276	162	745	499	-562
Total Liabilities	23,351	29,750	33,403	37,042	39,298	50,848	55,086	63,308	69,145	76,111
+ Fixed Assets	516	368	1,965	664	717	941	883	930	728	834
Gross Block	893	791	2,428	1,177	1,329	1,707	1,745	1,892	1,799	2,035
Accumulated Depreciation	377	423	463	513	612	767	862	962	1,071	1,201
CWIP	11	38	17	12	14	11	25	94	74	88
Investments	14,806	18,193	20,714	26,327	30,788	38,412	42,836	48,584	53,508	58,338
+ Other Assets	8,018	11,151	10,707	10,039	7,779	11,485	11,342	13,700	14,835	16,851
Trade receivables	0	0	8,931	0	0	0	0	0	0	0
Cash Equivalents	194	592	402	33	228	293	203	335	88	987
Loans n Advances	7,824	10,559	1,374	10,006	7,551	11,192	11,139	13,366	14,748	15,864
Total Assets	23,351	29,750	33,403	37,042	39,298	50,848	55,086	63,308	69,145	76,111

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	1,628	2,390	2,976	3,433	1,774	809	2,290	2,407	1,147	2,622
Receivables	10,181	0	17,143	0	0	0	0	0	0	0
Trade Payables	-5,514	0	-10,143	0	0	0	0	0	0	0
Direct Taxes Paid	0	0	0	-495	-353	-377	-313	-657	-795	-1,304
+ Cash from Investing Activity	-1,990	-1,896	-2,856	-3,382	-1,367	135	-1,685	-1,921	-1,137	-1,733
Purchase of Fixed Assets	-54	-75	-117	-303	-79	-76	-121	-190	-231	-243
Sale of Fixed Assets	0	0	1	1	0	4	1	1	2	1
Purchase of Investments	-14,390	-12,024	-10,098	-13,911	-13,433	-12,054	-14,500	-13,062	-17,673	-23,338
Sale of Investments	11,677	8,669	6,153	9,313	10,315	9,849	10,414	8,619	13,573	18,372
Investment Income	779	928	1,207	1,522	1,834	2,394	2,527	2,719	3,192	3,472
Others	-2	605	-2	-4	-5	17	-6	-7	0	4
+ Cash from Financing Activity	361	-96	-310	-420	-212	-879	-695	-355	-257	-336
Proceeds from Issue of Shares	38	35	4	4	10	41	21	165	350	335
Repayment of Long-Term Borrowings	0	0	0	0	0	-485	-220	0	-35	0
Others	483	0	0	0	0	0	0	0	0	0
Net Cash Flow	-1	398	-190	-369	195	65	-90	131	-247	554