Is ICICI Lombard General Insurance Company a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that ICICI Lombard General Insurance Company Ltd is a good quality company .

Is ICICI Lombard General Insurance Company undervalued or overvalued?

The key valuation ratios of ICICI Lombard General Insurance Company Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone .

What is ICICI Lombard General Insurance Company share price return in the past 10 years?

Data is not available for this company

Is ICICI Lombard General Insurance Company a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of ICICI Lombard General Insurance Company Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the P/E ratio of ICICI Lombard General Insurance Company?

The latest standalone P/E ratio of ICICI Lombard General Insurance Company as of 21-Nov-2024 is 40.92.

What is the P/B ratio of ICICI Lombard General Insurance Company?

The latest standalone P/B ratio of ICICI Lombard General Insurance Company as of 21-Nov-2024 is 6.90.

What is the 52-week high and low of ICICI Lombard General Insurance Company?

The 52-week high of ICICI Lombard General Insurance Company is Rs. 2285.85 and the 52-week low is Rs. 1354.80.

ICICI Lombard General Insurance Company Ltd - Stock Valuation and Financial Performance

Name: ICICI Lombard General Insurance Company
Brand: ICICI Lombard General Insurance Company

BSE: 540716 | NSE: ICICIGI | Insurance | Mid Cap

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ICICI Lombard Gen. Share Price

₹1,816.85 -22.40 -1.22%
as on 21-Nov'24 14:19

10 Year X-Ray of ICICI Lombard Gen.:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Value Creation ⓘ

Value Creation Index Colour Code Guide ⓘ

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
ROCE % ⓘ	26.5%	23.6%	24.6%	25.9%	29.5%	27.3%	26.9%	19.5%	21.4%	22.8%	-
Value Creation Index ⓘ	1.4	1.1	1.2	1.3	1.6	1.4	1.4	0.7	0.9	NA	-
Growth Parameters ⓘ Growth Parameters Colour Code Guide ⓘ
Sales ⓘ	0	0	0	0	0	0	0	0	0	0	0
Sales YoY Gr.	-	NA	NA	NA	NA	NA	NA	NA	NA	NA	-
Adj EPS ⓘ	12	11.3	15.6	19	23.1	26.3	32.4	25.9	35.2	38.9	45
YoY Gr.	-	-5.4%	37.2%	22%	21.7%	13.7%	23.3%	-20.1%	36%	10.6%	-
BVPS (₹) ⓘ	63.2	71	82.6	100	117.1	135	163.6	185.6	211.6	242.8	266.5
Adj Net Profit ⓘ	536	507	702	862	1,049	1,194	1,473	1,271	1,729	1,919	2,225
Cash Flow from Ops. ⓘ	-97.9	511	1,628	2,390	2,976	3,433	1,774	809	2,290	2,407	-
Debt/CF from Ops. ⓘ	0	0	0.3	0.2	0.2	0.1	0.3	0.3	0	0	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Sales ⓘ	NA	NA	NA	NA
Adj EPS ⓘ	14%	11%	6.3%	10.6%
BVPSⓘ	16.1%	15.7%	14.1%	14.7%
Share Price	-	5.7%	6.3%	24.1%

Key Financial Parameters ⓘ

Performance Ratio Colour Code Guide ⓘ

	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'23	Mar'24	TTM
Return on Equity % ⓘ	0	0	0	0	0	33.3	17.2	-
Op. Profit Mgn % ⓘ	0	0	0	0	0	0	0	-
Net Profit Mgn % ⓘ	0	0	0	0	0	0	0	-
Debt to Equity ⓘ	0.1	0.1	0.1	0.1	0.1	0	0	-
Working Cap Days ⓘ	0	0	0	0	0	0	0	0
Cash Conv. Cycle ⓘ	0	0	0	0	0	0	0	-735

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 17.70%

Sales growth is good in last 4 quarters at 15.83%

Sales growth has been subdued in last 3 years 0.00%

Net Profit has been subdued in last 3 years 6.32%

Latest Financials - ICICI Lombard General Insurance Company Ltd.

	Standalone	Consolidated
TTM EPS (₹)	45	-
TTM Sales (₹ Cr.)	18,203	-
BVPS (₹.) ⓘ	266.5	-
Reserves (₹ Cr.) ⓘ	12,695	-
P/BV ⓘ	6.90	-
PE ⓘ	40.92	-

From the Market
52 Week Low / High (₹)	1354.80 / 2285.85
All Time Low / High (₹)	619.00 / 2285.85
Market Cap (₹ Cr.)	91,052
Equity (₹ Cr.)	495.1
Face Value (₹)	10
Industry PE ⓘ	21

Management X-Ray of ICICI Lombard Gen.:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of ICICI Lombard Gen.

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Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of ICICI Lombard Gen.

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income From Investments	178	227	309	406	460	464	505	703	732	845
Other Income ⓘ	2	14	2	8	14	16	12	3	44	5
Expenses	18	19	99	74	148	160	574	864	984	144
Profit Before Tax	691	708	910	1,196	1,598	1,697	1,954	1,684	2,113	2,555
Tax ⓘ	155	200	208	334	549	503	481	413	383	637
Adjustments	0	0	0	0	0	0	0	0	0	0
Net Profit	536	507	702	862	1,049	1,194	1,473	1,271	1,729	1,919
Adjusted EPS (₹)	11.99	11.34	15.56	18.98	23.10	26.27	32.40	25.89	35.21	38.94
Dividend Payout Ratio (%)	17%	26%	23%	21%	26%	13%	25%	35%	28%	28%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Share Capital ⓘ	447	448	451	454	454	454	455	491	491	493
Reserve and Surplus	2,377	2,728	3,274	4,087	4,866	5,680	6,981	8,619	9,901	11,467
Fair Value A/C	356	61	175	186	80	-95	163	83	51	245
Borrowings ⓘ	0	0	0	0	0	0	0	0	0	0
Policy Holders Fund	0	248	503	548	259	-334	517	276	162	745
Funds For Appropriations	0	0	0	0	0	0	0	0	0	0
Total Liabilities ⓘ	3,179	3,485	4,889	5,760	6,144	6,191	8,601	9,724	10,641	12,985
Assets
Investment	0	0	0	0	0	0	0	0	0	0
Loans	0	0	0	0	0	0	0	0	0	0
Total Net block	381	373	372	368	448	664	613	566	539	607
Total Assets ⓘ	3,179	3,485	4,889	5,760	6,144	6,191	8,601	9,724	10,641	12,985

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-98	511	1,628	2,390	2,976	3,433	1,774	809	2,290	2,407
PBT ⓘ	0	0	0	0	0	0	0	0	0	0
Adjustment ⓘ	511	1,339	2,574	3,717	4,983	5,409	3,261	2,526	4,765	5,128
Changes in Working Capital ⓘ	-17	6	-17	-42	-14	34	16	-65	-190	32
Tax Paid ⓘ	-592	-834	-930	-1,285	-1,993	-2,010	-1,503	-1,652	-2,284	-2,753
Cash Flow From Investing Activity ⓘ	171	-310	-1,990	-1,896	-2,856	-3,382	-1,367	112	-1,685	-1,921
Capex	-52	-52	-53	-75	-116	-302	-79	-72	-120	-189
Net Investments	-363	-976	-2,714	-2,747	-3,944	-4,597	-3,118	-2,205	-4,086	-4,444
Others ⓘ	586	718	777	926	1,204	1,518	1,829	2,389	2,521	2,713
Cash Flow From Financing Activityⓘ	-93	-148	361	-96	-310	-420	-212	-879	-695	-355
Net Proceeds from Shares ⓘ	12	6	38	35	4	4	10	41	21	165
Net Proceeds from Borrowing ⓘ	0	0	0	0	0	0	0	0	0	0
Interest Paid ⓘ	0	-155	-160	-131	-314	-423	-222	-436	-495	-520
Dividend Paid ⓘ	-89	0	0	0	0	0	0	0	0	0
Others ⓘ	-16	0	483	0	0	0	0	-485	-220	0
Net Cash Flow ⓘ	-20	53	-1	398	-190	-369	195	42	-90	131

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Ratios
ROE (%)
ROCE (%)
Asset Turnover Ratio	1.49	1.45	1.47	1.3	1.41	1.52	1.35	1.42	1.46	1.43
PAT to CFO Conversion(x)	-0.18	1.01	2.32	2.77	2.84	2.88	1.2	0.64	1.32	1.25
Working Capital Days
Receivable Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0

ICICI Lombard General Insurance Company Ltd Stock News

ICICI Lombard General Insurance Company Ltd FAQs

What is the share price of ICICI Lombard Gen.?

Company share prices are keep on changing according to the market conditions. The closing price of ICICI Lombard Gen. on 21-Nov-2024 14:19 is ₹1,816.9.

What is the market cap of ICICI Lombard Gen.?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Nov-2024 14:19 the market cap of ICICI Lombard Gen. stood at ₹91,051.7.

What is the P/E ratio of ICICI Lombard Gen.?

The latest P/E ratio of ICICI Lombard Gen. as of 21-Nov-2024 14:19 is 40.92.

What is the P/B ratio of ICICI Lombard Gen.?

The latest P/B ratio of ICICI Lombard Gen. as of 21-Nov-2024 14:19 is 6.90.

What is the 52-week high and low of ICICI Lombard Gen.?

The 52-week high of ICICI Lombard Gen. is ₹2,285.9 and the 52-week low is ₹1,354.8.

What is the TTM revenue of ICICI Lombard Gen.?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ICICI Lombard Gen. is ₹18,203 ( Cr.) .

About ICICI Lombard General Insurance Company Ltd

ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance companies in India. At ICICI Lombard, customer satisfaction is its motto. Stretching ourselves and going beyond the ordinary for the satisfaction and smiles of its customers is something that is deeply embedded in its DNA. Be it an untoward incident due to the unpredictability of nature or losses suffered due to accidents or medical challenges, it remains committed to be at people side and serve people always. Its value proposition is driven by a promise to be the best partner for its customers. With a promise to ensure quick and smooth claims processing, its unmatched services are there to assist people at all times.

Business area of the company

The company provides general insurance solutions to secure people and their family against unexpected and untoward events. With ICICI Lombard, people can avail protection solutions for business, personal and project liabilities across rural as well as urban areas in India. It offers insurance coverage for motor, health, travel, home, student travel and more.

Products

Motor Insurance
Car Insurance
Two Wheeler Insurance
Health Insurance
Complete Health Insurance
Complete Health Insurance
Health Booster
Personal Accident Insurance
International Travel Insurance
Home Insurance
Marine Insurance
NRI Insurance Services
Business Insurance
Third Party Insurance
Crop Insurance
Rural Insurance

Services

Customer Support
Grievance Redressal
Retrieve Quote
Unclaimed Amount
Intimate Claim
Track Claim
Marine/Property Claims
Live Chat
Whatsapp Notification
EIA

Awards and Recognitions

In 2015, ICICI Lombard was awarded the Golden Peacock Innovation Management Award. At the 5th annual edition of the Indian Insurance Award, 2015, it conferred with the ‘E-Business Leader’ Award in the General Insurance Category.
ICICI Lombard received the Golden Peacock Award for Business Excellence and the Claim Service Leader Award in 2016.
ICICI Lombard was conferred the Technology Innovation Award at the Indian Insurance Awards 2016.
ICICI Lombard received the Fintelekt Insurance Awards for Bancassurance Leader (General Insurance – Large Category) and Technology Initiative of the Year in 2017.
ICICI Lombard was conferred the Asia Quality Excellence & Leadership Awards in the year 2017.
It won the ‘Gold Shield’ award for excellence in financial reporting (non-life insurance) category for its Annual Report for FY2019, presented by the Institute of Chartered Accountants of India.
It was conferred with the ‘Vision Awards’ for its Annual Report FY2019.
It recognised as one of the ‘20 Best Insurers in the Asia Pacific Region’ for 2020.
It was adjudged ‘India’s Leading General Insurance Company - Private’ at the Dun & Bradstreet BFSI Summit & Awards 2020.

Milestones

2001

CICI Lombard commences Non-Life Insurance operations.

2004

Became the largest private sector general insurer.

2010

Settled more than 5 million claims.

2014

Number of policies issued by crossed 10 million, profit after tax crossed Rs. 5 billion.

2016

First General insurance company of India to issue subordinated debt.

2017

Crossed Rs 100 billion of GDPI.

2019

IntrCity by RailYatri, ICICI Lombard General Insurance Company and Marsh have partnered to provide travel insurance cover worth Rs 5,00,000 to all SmartBus Passengers.

2020

The Competition Commission of India has approved the acquisition of general insurance business of Bharti AXA General Insurance Company (Bharti AXA) by ICICI Lombard General Insurance Company.
ICICI Lombard General Insurance Company has entered into a Bancassurance tie-up with Yes Bank.
ICICI Lombard General Insurance Company, Go Digit General Insurance and Flipkart have joined hands to offer health policies related to Covid-19.
ICICI Lombard General Insurance and realme paySa have entered into strategic association to provide screen protection for realme phones, under the All Risk Insurance Policy underwritten by the company.