ICICI Lombard Gen.

₹1864.7 -4.6 | 0.2%

WEBSITE BSE:540716 NSE : ICICIGI 26 Dec, 16:01

Market Cap ₹92332 Cr.

Stock P/E 48.1

P/B 7

Current Price ₹1864.7

Book Value ₹ 266.4

Face Value 10

52W High ₹2285.9

Dividend Yield 0.59%

52W Low ₹ 1354.8

Edit Ratio

ICICI Lombard Gen. Research see more...

Overview Inc. Year: 2000Industry: Insurance

ICICI Lombard General Insurance Company Limited is an India-based widespread insurance enterprise. The Company offers coverage insurance for motor, health, travel, home, and more. Its segmentscomprises Fire, Engineering, Marine Cargo, Marine Hull, Motor OD, Motor TP, Workmen's Compensation, Public/Product Liability, Personal Accident, Aviation, Health, Credit Insurance, Crop/Weather Insurance and Others. Its merchandise include motor insurance, automobile insurance, two-wheeler coverage, medical insurance, complete medical health insurance, health booster, global travel coverage, domestic coverage, marine insurance, business insurance, third party insurance and crop insurance. It additionally gives various services, such as complaint redressal, retrieve quote, intimate claim, marine/assets claims, live chat and renew coverage.

ICICI Lombard Gen. Share Price

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Peer Comparison

ICICI Lombard Gen. Quarterly Results

#(Fig in Cr.)	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Net Sales	3468	3837	3792	3726	3887	4306	4305	4368	4504	5026
Other Income	681	868	801	1721	839	967	907	1027	1101	1131
Total Income	4149	4705	4593	5447	4726	5273	5212	5395	5605	6157
Total Expenditure	3684	4095	4128	4874	4206	4509	4638	4698	4831	5238
Operating Profit	465	610	465	573	520	764	574	698	774	919
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	465	610	465	573	520	764	574	698	774	919
Provision for Tax	116	19	113	136	130	186	142	178	194	225
Profit After Tax	349	591	353	437	390	577	431	520	580	694
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	349	591	353	437	390	577	431	520	580	694
Adjusted Earnings Per Share	7.1	12	7.2	8.9	7.9	11.7	8.8	10.5	11.8	14

ICICI Lombard Gen. Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Net Sales	4353	4235	4822	6164	6912	8375	9404	10014	13032	14823	16866	18203
Other Income	679	787	970	1046	1155	1401	1649	2147	3098	3272	2886	4166
Total Income	5032	5022	5792	7209	8066	9776	11053	12161	16130	18095	19752	22369
Total Expenditure	4604	4457	5311	6502	7143	8545	9509	10206	14336	15713	17846	19405
Operating Profit	427	566	480	707	924	1231	1544	1955	1794	2382	1906	2965
Interest	9	12	14	16	19	29	43	47	59	69	90	0
Depreciation	50	54	57	54	51	60	90	130	141	142	134	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	520	691	708	910	1196	1598	1697	1954	1684	2113	2555	2965
Provision for Tax	9	155	200	208	334	549	503	481	413	383	637	739
Profit After Tax	511	536	507	702	862	1049	1194	1473	1271	1729	1919	2225
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	511	536	507	702	862	1049	1194	1473	1271	1729	1919	2225
Adjusted Earnings Per Share	11.5	12	11.3	15.6	19	23.1	26.3	32.4	25.9	35.2	38.9	45.1

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	14%	19%	15%	15%
Operating Profit CAGR	-20%	-1%	9%	16%
PAT CAGR	11%	9%	13%	14%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	32%	11%	6%	NA%
ROE Average	17%	17%	19%	20%
ROCE Average	23%	21%	24%	25%

ICICI Lombard Gen. Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	2381	2824	3176	3727	4541	5320	6134	7435	9110	10393	11960
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	485	485	485	485	485	255	35	35
Other Non-Current Liabilities	2436	2862	3425	4226	5212	5974	5443	7278	8417	9000	11078
Total Current Liabilities	8728	7988	9075	14914	19511	21623	24980	24099	33067	35659	40235
Total Liabilities	13545	13674	15676	23351	29750	33403	37042	39298	50848	55086	63308
Fixed Assets	373	381	373	372	368	448	664	613	566	539	607
Other Non-Current Assets	9367	10316	11707	15049	18443	22549	26645	31256	39143	43471	49294
Total Current Assets	3805	2976	3596	7931	10940	10405	9732	7429	11139	11076	13408
Total Assets	13545	13674	15676	23351	29750	33403	37042	39298	50848	55086	63308

ICICI Lombard Gen. Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	270	162	142	195	194	592	402	33	228	293	203
Cash Flow from Operating Activities	595	-98	511	1628	2390	2976	3433	1774	809	2290	2407
Cash Flow from Investing Activities	-706	171	-310	-1990	-1896	-2856	-3382	-1367	112	-1685	-1921
Cash Flow from Financing Activities	4	-93	-148	361	-96	-310	-420	-212	-879	-695	-355
Net Cash Inflow / Outflow	-108	-20	53	-1	398	-190	-369	195	42	-90	131
Closing Cash & Cash Equivalent	162	142	195	194	592	402	33	228	293	203	335

ICICI Lombard Gen. Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	0	0	11.34	15.56	18.98	23.1	26.27	32.4	25.89	35.21	38.94
CEPS(Rs)	11.49	11.99	11.34	15.56	18.98	23.1	26.27	32.4	25.89	35.21	38.94
DPS(Rs)	0	2	3	3.5	4	6	3.5	8	9	10	11
Book NAV/Share(Rs)	0	0	70.96	82.57	100.04	117.11	134.97	163.56	185.57	211.6	242.75
Core EBITDA Margin(%)	-5.78	-5.23	-10.16	-5.49	-3.34	-2.03	-1.12	-1.92	-10	-6	-5.81
EBIT Margin(%)	11.95	16.31	14.68	14.77	17.31	19.08	18.05	19.51	12.92	14.25	15.15
Pre Tax Margin(%)	11.95	16.31	14.68	14.77	17.31	19.08	18.05	19.51	12.92	14.25	15.15
PAT Margin (%)	11.75	12.65	10.52	11.39	12.47	12.53	12.69	14.71	9.75	11.66	11.38
Cash Profit Margin (%)	11.75	12.65	10.52	11.39	12.47	12.53	12.69	14.71	9.75	11.66	11.38
ROA(%)	23.09	18.88	15.23	16.76	16.19	17.63	19.36	19.92	13.87	16.98	16.24
ROE(%)	24.66	20.58	16.92	20.34	20.85	21.28	20.84	21.71	15.36	17.73	17.17
ROCE(%)	25.09	26.54	23.59	24.64	25.9	29.51	27.32	26.88	19.48	21.35	22.79
Receivable days	0	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	41.74	44.72	40.99	44.31	51.31	30.38	43.27
Price/Book(x)	0	0	0	0	7.92	8.82	7.98	8.78	7.16	5.05	6.94
Dividend Yield(%)	0	0	0	0	0.5	0.58	0.33	0.56	0.68	0.94	0.65
EV/Net Sales(x)	0.07	0.07	0.05	0.12	5.19	5.61	5.25	6.54	5	3.53	4.9
EV/Core EBITDA(x)	0.66	0.54	0.53	1.05	38.83	38.17	31.98	33.51	36.33	21.98	43.4
Net Sales Growth(%)	8.57	-2.7	13.84	27.83	12.14	21.18	12.28	6.49	30.14	13.74	13.79
EBIT Growth(%)	84.69	32.77	2.46	28.6	31.44	33.62	6.16	15.15	-13.84	25.48	20.95
PAT Growth(%)	67.23	4.74	-5.26	38.32	22.78	21.76	13.77	23.4	-13.72	36.04	10.96
EPS Growth(%)	0	0	-5.46	37.21	22.02	21.66	13.73	23.36	-20.1	35.97	10.61
Debt/Equity(x)	0	0	0	0.13	0.11	0.09	0.08	0.07	0.03	0	0
Current Ratio(x)	0.34	0.28	0.29	0.43	0.46	0.38	0.32	0.24	0.27	0.25	0.27
Quick Ratio(x)	0.34	0.28	0.29	0.43	0.46	0.38	0.32	0.24	0.27	0.25	0.27
Interest Cover(x)	0	0	0	0	0	0	0	0	0	0	0
Total Debt/Mcap(x)	0	0	0	0	0.01	0.01	0.01	0.01	0	0	0

ICICI Lombard Gen. Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	48.03	48.02	48.02	48.02	48.01	48	47.91	51.27	51.81	51.66
FII	25	24.07	23.39	22.85	22	22.37	23.04	23.06	23.93	24.75
DII	15.38	15.98	16.79	17.34	18.21	18.52	17.97	16.07	17.25	16.69
Public	11.59	11.93	11.8	11.79	11.78	11.11	11.08	9.6	7	6.9
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	23.58	23.58	23.58	23.58	23.58	23.58	23.58	25.26	25.56	25.56
FII	12.27	11.82	11.49	11.22	10.81	10.99	11.34	11.36	11.8	12.24
DII	7.55	7.85	8.25	8.52	8.94	9.1	8.84	7.92	8.51	8.26
Public	5.69	5.86	5.79	5.79	5.79	5.46	5.46	4.73	3.45	3.41
Others	0	0	0	0	0	0	0	0	0	0
Total	49.1	49.11	49.11	49.11	49.12	49.14	49.23	49.27	49.32	49.47

Pros

Company is almost debt free.

Cons

Stock is trading at 7 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.