Is ICICI Prudential Life Insurance Company a good quality company?

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

Is ICICI Prudential Life Insurance Company undervalued or overvalued?

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

What is ICICI Prudential Life Insurance Company share price return in the past 10 years?

Data is not available for this company

Is ICICI Prudential Life Insurance Company a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of ICICI Prudential Life 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 Prudential Life Insurance Company?

The latest standalone P/E ratio of ICICI Prudential Life Insurance Company as of 07-Nov-2024 is 117.44.

What is the P/B ratio of ICICI Prudential Life Insurance Company?

The latest standalone P/B ratio of ICICI Prudential Life Insurance Company as of 07-Nov-2024 is 8.96.

What is the 52-week high and low of ICICI Prudential Life Insurance Company?

The 52-week high of ICICI Prudential Life Insurance Company is Rs. 795.00 and the 52-week low is Rs. 463.50.

ICICI Prudential Life Insurance Company Ltd - Stock Valuation and Financial Performance

Name: ICICI Prudential Life Insurance Company
Brand: ICICI Prudential Life Insurance Company

BSE: 540133 | NSE: ICICIPRULI | Insurance | Mid Cap

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ICICI Prudential Share Price

₹713.80 -1.60 -0.22%
as on 07-Nov'24 00:00

10 Year X-Ray of ICICI Prudential:

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 ^P

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 % ⓘ	35%	35.7%	31.9%	27.1%	17.3%	14.9%	12.5%	8%	8.5%	8.1%	-
Value Creation Index ⓘ	2.1	2.2	1.8	1.4	0.5	0.3	0.1	-0.3	-0.2	-0.3	-
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 ⓘ	11.4	11.5	11.7	11.3	7.9	7.4	6.7	5.3	5.7	5.9	6.1
YoY Gr.	-	0.9%	1.7%	-3.8%	-29.7%	-6.3%	-10.4%	-20.7%	7%	4.4%	-
BVPS (₹) ⓘ	34	35.4	42.7	45.6	47.7	52.3	59	62.6	68	73.7	79.7
Adj Net Profit ⓘ	1,634	1,650	1,682	1,619	1,139	1,067	956	759	813	851	876
Cash Flow from Ops. ⓘ	523	3,634	4,130	5,690	11,377	8,596	7,314	1,831	89.5	-7,315	-
Debt/CF from Ops. ⓘ	0	0	0	0	0	0	0.2	0.7	13.4	-0.2	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Sales ⓘ	NA	NA	NA	NA
Adj EPS ⓘ	-7.1%	-5.7%	-4%	4.4%
BVPSⓘ	9%	9.1%	7.7%	8.5%
Share Price	-	6.6%	2.9%	34.6%

Key Financial Parameters ⓘ

Performance Ratio Colour Code Guide ⓘ

	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Return on Equity % ⓘ	0	0	16.6	8.3	-
Op. Profit Mgn % ⓘ	0	0	0	0	-
Net Profit Mgn % ⓘ	0	0	0	0	-
Debt to Equity ⓘ	0.1	0.1	0.1	0.1	-
Working Cap Days ⓘ	0	0	0	0	0
Cash Conv. Cycle ⓘ	0	0	0	0	8

Recent Performance Summary

Sales growth is good in last 4 quarters at 10.37%

Return on Equity has declined versus last 3 years average to 7.90%

Sales growth has been subdued in last 3 years 0.00%

Net Profit has been subdued in last 3 years -3.96%

Latest Financials - ICICI Prudential Life Insurance Company Ltd.

	Standalone	Consolidated
TTM EPS (₹)	6.1	6.1
TTM Sales (₹ Cr.)	43,346	43,346
BVPS (₹.) ⓘ	79.7	79.7
Reserves (₹ Cr.) ⓘ	10,073	10,067
P/BV ⓘ	8.96	8.96
PE ⓘ	117.44	117.77

From the Market
52 Week Low / High (₹)	463.50 / 795.00
All Time Low / High (₹)	221.95 / 795.00
Market Cap (₹ Cr.)	1,03,155
Equity (₹ Cr.)	1,444.8
Face Value (₹)	10
Industry PE ⓘ	21.7

Management X-Ray of ICICI Prudential:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of ICICI Prudential

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Price Chart

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 Prudential

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	536	602	667	742	644	663	771	1,014	880	1,373
Other Income ⓘ	1	0	29	5	9	1	1	12	14	32
Expenses	48	34	41	117	569	1539	1643	2272	1918	1921
Profit Before Tax	1,585	1,771	1,784	1,719	1,161	1,067	1,077	795	900	921
Tax ⓘ	-49	121	103	100	22	0	121	36	87	70
Adjustments	0	0	0	0	0	0	0	0	0	0
Net Profit	1,634	1,650	1,682	1,619	1,139	1,067	956	759	813	851
Adjusted EPS (₹)	11.42	11.52	11.72	11.28	7.93	7.43	6.66	5.28	0	0
Dividend Payout Ratio (%)	51%	73%	63%	59%	40%	11%	30%	10%	0%	0%

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 ⓘ	1,432	1,432	1,435	1,435	1,436	1,436	1,436	1,437	1,439	1,441
Reserve and Surplus	3,431	3,640	4,698	5,138	5,435	6,099	7,057	7,586	8,371	9,218
Fair Value A/C	403	251	273	308	171	-323	616	134	280	345
Borrowings ⓘ	0	0	0	0	0	0	0	0	0	0
Policy Holders Fund	1,175	971	1,787	2,055	1,783	-253	2,993	2,827	2,796	4,987
Funds For Appropriations	527	662	604	878	1,034	1,233	1,353	1,383	1,669	1,287
Total Liabilities ⓘ	99,060	1,02,564	1,21,904	1,38,371	1,59,422	1,52,699	2,13,489	2,39,185	2,50,157	2,93,523
Assets
Investment	0	0	0	0	0	0	0	0	0	0
Loans	20	44	81	145	270	463	663	940	1,314	1,761
Total Net block	209	212	207	404	463	457	436	433	479	670
Total Assets ⓘ	99,060	1,02,564	1,21,904	1,38,371	1,59,422	1,52,699	2,13,489	2,39,185	2,50,157	2,93,523

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 ⓘ	523	3,634	4,130	5,690	11,377	8,596	7,314	1,831	89	-7,315
PBT ⓘ	0	0	0	0	0	0	0	0	0	0
Adjustment ⓘ	855	4,191	4,941	6,572	12,205	9,498	8,557	3,329	1,791	-5,739
Changes in Working Capital ⓘ	1	2	1	-9	2	-3	-5	-2	-199	-30
Tax Paid ⓘ	-332	-560	-812	-874	-830	-899	-1,238	-1,496	-1,502	-1,546
Cash Flow From Investing Activity ⓘ	-1,822	27	-696	-5,389	-7,559	-10,797	-5,084	-816	-1,145	7,420
Capex	-53	-51	-51	-68	-107	-64	-35	-95	-191	-235
Net Investments	-5,491	-4,113	-4,967	-10,293	-12,866	-16,743	-12,083	-8,608	-9,682	-2,439
Others ⓘ	3,722	4,191	4,322	4,972	5,414	6,010	7,034	7,888	8,727	10,094
Cash Flow From Financing Activityⓘ	-966	-1,442	-994	-1,188	-843	-405	1,205	-319	-112	-88
Net Proceeds from Shares ⓘ	21	5	33	4	4	1	5	50	49	81
Net Proceeds from Borrowing ⓘ	0	0	0	0	0	0	0	0	0	0
Interest Paid ⓘ	0	0	0	0	0	0	0	-82	-82	-82
Dividend Paid ⓘ	-836	-1,203	-853	-990	-703	-337	0	-287	-79	-86
Others ⓘ	-150	-245	-174	-202	-145	-69	1,200	0	0	0
Net Cash Flow ⓘ	-2,264	2,219	2,440	-887	2,975	-2,606	3,434	696	-1,168	17

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	0.17	0.19	0.2	0.21	0.21	0.21	0.19	0.16	0.16	0.15
PAT to CFO Conversion(x)	0.32	2.2	2.46	3.51	9.99	8.06	7.65	2.41	0.11	-8.6
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 Prudential Life Insurance Company Ltd Stock News

ICICI Prudential Life Insurance Company Ltd FAQs

What is the share price of ICICI Prudential?

Company share prices are keep on changing according to the market conditions. The closing price of ICICI Prudential on 07-Nov-2024 00:00 is ₹713.8.

What is the market cap of ICICI Prudential?

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 07-Nov-2024 00:00 the market cap of ICICI Prudential stood at ₹1,03,155.3.

What is the P/E ratio of ICICI Prudential?

The latest P/E ratio of ICICI Prudential as of 07-Nov-2024 00:00 is 117.4.

What is the P/B ratio of ICICI Prudential?

The latest P/B ratio of ICICI Prudential as of 07-Nov-2024 00:00 is 8.96.

What is the 52-week high and low of ICICI Prudential?

The 52-week high of ICICI Prudential is ₹795.0 and the 52-week low is ₹463.5.

What is the TTM revenue of ICICI Prudential?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ICICI Prudential is ₹43,346 ( Cr.) .

About ICICI Prudential Life Insurance Company Ltd

ICICI Prudential Life Insurance Company Ltd. (ICICI Prudential Life) is promoted by ICICI Bank Limited and Prudential Corporation Holdings Limited. ICICI Prudential Life began its operations in the fiscal year 2001 and has consistently been amongst the top companies in the Indian life insurance sector.

In FY 2015 ICICI Prudential Life became the first private life insurer to attain assets under management of `1 trillion. ICICI Prudential Life is also the first insurance company in India to be listed on National Stock Exchange (NSE) and Bombay Stock Exchange (BSE). At ICICI Prudential Life, it operates on the core philosophy of customer-centricity. It offers long term savings and protection products to meet different life stage requirements of its customers. It has developed and implemented various initiatives to provide cost-effective products, superior quality services, consistent fund performance and a hassle-free claim settlement experience to its customers. ICICI Prudential Life Insurance Company is a Mumbai based largest private sector life insurer in India.

Business area of company

ICICI Prudential Life Insurance Company offers a range of life insurance, health insurance and pension products and services to its customers. It offers the products and services through an extensive multi-channel sales network across India, including through the branches of bank partners, individual agents, corporate agents, employees, offices and its website.

Awards and accreditations

2014

Its brand campaign ‘AchcheBandeh’, was awarded the ‘Silver Effie’ in the financial services category.
1st prize for Innovation at the Qimpro Awards, 2014.
Ranked as one of the best brands in the BFSI sector as per ‘BrandZ Top 50 Most Valuable Indian Brands 2014’, a study conducted by Millward Brown and published by WPP.

2015

Ranked as one of the best brands in the BFSI sector twice in a row as per ‘BrandZ Top 50 Most Valuable Brands 2015’, a study conducted by Millward Brown and published by WPP.

2016

Ranked as one of the best brands in the BFSI sector three times in a row as per ‘BrandZ Top 50 Most Valuable Brands 2016’, a study conducted by Millward Brown and published by WPP.
Its brand campaign ‘AchcheBandeh’, was awarded the ‘Silver Effie’ in the financial services category.
iProtect Smart recognised for its innovation and voted as the ‘Product of the Year 2016’.

2017

Ranked four times as one of the most valuable Life Insurance brands in India as per ‘BrandZ Top 50 Most Valuable Indian Brands 2014, 2015, 2016 and 2017’. Ranked as the no. 1 brand in the ‘Top Riser’ category, i.e. the brand with the highest increase in Brand Value, as per ‘BrandZ Top 50 Most Valuable Indian Brands 2017’.

2018

‘Life Insurance Provider of the Year’ - ‘Gold Award’ by Outlook Money Awards 2018.
ICICI Pru iProtect Smart the ‘Best Term Insurance Provider of the Year’ by Money Today Financial Awards 2017-18.
ICICI Pru Heart/Cancer Protect voted ‘Product of the Year 2018’ in the life insurance category by Product of the Year (India) Private Limited.
‘Best Customer Orientation in Life Insurance’ by Emerging Asia Awards 2018.
‘Best Life Insurance Company of the Year’ by Emerging Asia Insurance Awards 2018.
‘Best Growth in Life Insurance’ by Emerging Asia Awards 2018.
‘Best Insurance Firm of the Year 2018 - Life Insurance’ for the highest Persistency and Claim Settlement Ratio at the Moneycontrol Wealth Creator Awards.
‘Amiable Insurer’ in the Life Insurance Large category for one of the highest Persistency Ratio & low Grievance Ratio at the 5th Economic Times Insurance Summit Awards 2018.
‘Sales Champion’ in the Life Insurance - Large category for robust and diversified distribution network at the 5th Economic Times Insurance Summit Awards 2018.
‘Life Insurance Company of the Year’ by Insurance India Summit & Awards 2018.
‘Certificate of Merit’ for the FY2017-18 Annual Report in the Insurance Sector category by the South Asian Federation of Accountants (SAFA).
‘ISO 22301:2012 Certificate’ for business continuity preparedness, to deliver and support insurance products and customer service.
‘AchcheBandeh’ brand campaign was awarded the ‘Silver Effie’ in the financial services category.

2019

ICAI Award for Excellence in Financial Reporting for the FY2018-19 Annual Report.
Ranked amongst the top 3 Companies in Indian Corporate Governance Scorecard.
League of American Communications Professionals LLC (LACP) awarded ICICI Prudential Life Insurance Company Limited with Gold Award for excellence for the development of ICICI Prudential Life Insurance Company Annual Report 2018-19.
ICICI Prudential Life Insurance Company Annual Report 2018-19 was ranked at 54 worldwide among the entries received by League of American Communications Professionals LLC (LACP).
Ranked as one of the most valuable brands in India six times in a row by ‘BrandZ Top 75 Most Valuable Brands 2019’, a study conducted by Millward Brown and published by WPP.
‘Life Insurance Company of the Year’ at the 4th Annual Insurance India Summit & Awards 2019.
‘Best Innovation and Diversification introduced by the Company in a Year’ by Emerging Asia Awards 2019.
Adjudged ‘Best Risk Management Strategy of the Year - Life Insurance’ by Emerging Asia Awards 2019.
ICICI Pru iProtect Smart voted ‘Product of the Year 2019’ in the life insurance category by Product of the Year (India) Private Limited.

2020

Awarded the ‘Claims & Customer Service Excellence Awards’ in the Life Insurance Category by FICCI.
‘Customer Service Company of the Year’ by India Insurance Summit & Awards 2020.
‘Best Alternative or Digital Payments Program of the Year’ by the Customer Fest Leadership Awards 2020.

Major events and milestones

2001 - The Company started operations.
2002 - Crossed the mark of 100,000 policies.
2005 - Crossed the mark of 1 million policies.
2008 - Crossed the mark of 5 million policies.
2008 - Crossed receipt of 100 billion of total premium.
2008 - Crossed 250 billion of assets under management.
2010 - Established Subsidiary for the purposes of undertaking pension funds related business.
2010 - The Company turned profitable - registered profit of 2.58 billion.
2010 - Crossed 500 billion of assets under management.
2012 - Started paying dividends.
2015 - Crossed Rs 1 trillion of assets under management.
2017 - First insurance company in India to list on NSE and BSE.
2019 - ICICI Prudential Life Insurance has tied up with Paytm to distribute its term insurance plan ‘ICICI Pru iProtect Smart’.
2019 - ICICI Prudential Life Insurance has launched ICICI Pru Precious Life, the industry's first term plan specifically designed for customers who find it difficult to get access to life cover due to existing health conditions.
2020 - ICICI Prudential Life Insurance has entered into a corporate agency agreement with NSDL Payments Bank, a subsidiary of National Securities Depository.