ICICI Lombard

Why is ICICI Lombard General Insurance Company Ltd falling/rising?

As of 06-Aug, ICICI Lombard General Insurance Company's stock price is declining, currently at 1,650.70, due to poor financial results, including a 46% drop in profit after tax and a low dividend payout ratio. The stock has underperformed significantly year-to-date and over the past year, reflecting overall weak performance despite some positive long-term fundamentals.

As of 06-Aug, ICICI Lombard General Insurance Company Ltd's stock price is falling, currently at 1,650.70, reflecting a decrease of 22.3 points or 1.33%. This decline is influenced by several factors, including negative financial results reported for the quarter ending June 26, where the profit after tax (PAT) fell by 46.0% to Rs 403.17 crore. Additionally, the company's dividend payout ratio (DPR) reached its lowest at 24.28%, and the operating profit to net sales ratio was also at a low of 7.37%. <BR><BR>The stock has underperformed significantly over various time frames, with a year-to-date decline of 15.86% compared to a 7.35% drop in the benchmark Sensex. Over the past year, the stock has generated a return of -12.37%, while its profits have decreased by 9.2%. Furthermore, the stock is considered expensive with a price-to-book value of 4.8, which is higher than the average historical valuations of its peers. <BR><BR>Despite some positive indicators, such as strong long-term fundamental strength with an average return on equity (ROE) of 16.05% and high institutional holdings at 42.2%, the overall performance in both the long term and near term has been below par. The stock's performance today also reflects this trend, as it underperformed its sector by 1.08%, and it touched an intraday low of Rs 1638, down 2.09%. These factors collectively contribute to the stock's current downward trajectory.

Which are the latest news on ICICI Lombard?

Are ICICI Lombard General Insurance Company Ltd latest results good or bad?

ICICI Lombard's latest results are concerning, showing a 46.03% decline in net profit to ₹403.17 crore and a significant drop in operating margins to 8.77%, despite a 15.85% growth in premiums. This suggests the company is facing substantial operational challenges, making the overall outlook negative.

ICICI Lombard General Insurance Company Ltd's latest results indicate a challenging financial situation. In Q1 FY27, the company reported a net profit of ₹403.17 crore, which represents a significant decline of 46.03% compared to the same quarter last year. This decline is concerning, especially given that it also reflects a 26.23% decrease from the previous quarter.<BR><BR>While the company achieved a respectable premium growth of 15.85% year-on-year, reaching ₹5,950.04 crore, this growth was overshadowed by severe margin compression. The operating margin fell to 8.77%, the lowest in eight quarters, down from 19.10% a year ago. This indicates that despite increasing revenues, the company is facing significant operational challenges, likely due to rising claims costs and competitive pricing pressures.<BR><BR>The profit after tax margin also deteriorated to 6.78%, down from 14.55% in Q1 FY26. This sharp decline in profitability raises concerns about the sustainability of the company's competitive position in the market.<BR><BR>Overall, while the premium growth is a positive sign, the drastic drop in profits and margins suggests that ICICI Lombard is currently facing significant headwinds, making the latest results more negative than positive. Investors should be cautious and monitor how the company addresses these challenges in the upcoming quarters.

Should I buy, sell or hold ICICI Lombard General Insurance Company Ltd?

What does ICICI Lombard do?

ICICI Lombard General Insurance Company Limited is India's largest private sector non-life insurer, incorporated in 2001, with recent net sales of ₹5,791 Cr and a net profit of ₹547 Cr as of March 2026. The company has a market cap of ₹89,066 Cr and key metrics include a P/E of 31.00 and a dividend yield of 0.76%.

Overview:<BR>ICICI Lombard General Insurance Company Limited is the largest private sector non-life insurer in India, operating in the insurance industry within the mid-cap market segment.<BR><BR>History:<BR>The company was incorporated in the year 2001 and has maintained its status as a leading insurer. The latest quarterly results reported are for March 2026, showcasing the company's performance in terms of sales and profit.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 5,791 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 547 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 89,066 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 31.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.76% <BR>Debt-Equity: 0.00 <BR>Return on Equity: 16.67% <BR>Price to Book: 5.33 <BR><BR>Contact Details:<BR>Address: ICICI Lombard House 414, Veer Savarkar Marg Prabhadevi Mumbai Maharashtra : 400025 <BR>Tel: 91-22-61961100 <BR>Email: investors@icicilombard.com <BR>Website: http://www.icicilombard.com

How big is ICICI Lombard?

As of 10th June, ICICI Lombard General Insurance Company Ltd has a market capitalization of 89,066.00 Cr, with net sales of 22,263.57 Cr and a net profit of 2,771.94 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: ICICI Lombard General Insurance Company Ltd has a market capitalization of 89,066.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 22,263.57 Cr, while the sum of Net Profit for the same period is 2,771.94 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026, with Shareholder's Funds amounting to 16,633.89 Cr and Total Assets valued at 75,993.70 Cr.

Who are in the management team of ICICI Lombard?

The management team of ICICI Lombard includes Bhargav Dasgupta (MD & CEO), Alok Kumar Agarwal, Sanjeev Radheyshyam Mantri (Executive Directors), Lalita Dileep Gupte (Chairperson), and several independent directors, along with other key members. This team provides strategic guidance and operational oversight for the company.

The management team of ICICI Lombard includes the following key members:<BR><BR>1. **Bhargav Dasgupta** - Managing Director & CEO<BR>2. **Alok Kumar Agarwal** - Executive Director<BR>3. **Sanjeev Radheyshyam Mantri** - Executive Director<BR>4. **Lalita Dileep Gupte** - Chairperson and Independent Director<BR>5. **Ved Prakash Chaturvedi** - Independent Director<BR>6. **Uday Madhav Chitale** - Independent Director<BR>7. **Ashvin Dhirajlal Parekh** - Independent Director<BR>8. **Murali Sivaraman** - Independent Director<BR>9. **Vikas Mehra** - Company Secretary & Compliance Officer<BR>10. **Sandeep Batra** - Director<BR>11. **Rakesh Jha** - Director<BR>12. **Anuj Bhargava** - Director<BR><BR>This diverse team brings a wealth of experience and expertise to the company, guiding its strategic direction and operations.

Who are the peers of the ICICI Lombard?

ICICI Lombard's peers include SBI Life, HDFC Life, ICICI Pru Life, Max Financial, and others, with varying management risks and growth rates. Max Financial leads in 1-year returns at 2.82%, while ICICI Lombard's return is -11.19%.

Peers: The peers of ICICI Lombard are Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Max Financial, Star Health Insu, Go Digit General, New India Assura, and Niva Bupa Health.<BR><BR>Quality Snapshot: Excellent management risk is observed at ICICI Lombard and Go Digit General, while Average management risk is found at Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Max Financial, Star Health Insu, and Niva Bupa Health, and the rest. Growth is Average for ICICI Lombard, SBI Life Insuran, HDFC Life Insur., and General Insuranc, while Below Average growth is noted for Life Insurance, ICICI Pru Life, Max Financial, Star Health Insu, and New India Assura, and the rest. All peers maintain an Excellent capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Max Financial at 2.82%, while the lowest is ICICI Pru Life at -27.70%. ICICI Lombard's 1-year return is -11.19%, which is better than ICICI Pru Life but worse than Max Financial. Additionally, the six-month return is negative for HDFC Life Insur., ICICI Pru Life, Max Financial, Go Digit General, New India Assura, and ICICI Lombard.

Is ICICI Lombard technically bullish or bearish?

As of December 1, 2025, the technical trend is mildly bullish, supported by daily moving averages and Bollinger Bands, though caution is advised due to a bearish weekly RSI and mixed signals from the MACD across different time frames.

As of 1 December 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven primarily by the daily moving averages indicating bullish momentum. The weekly MACD remains bullish, while the monthly MACD shows a mildly bearish signal, suggesting mixed signals across time frames. The weekly RSI is bearish, indicating potential weakness, but the Bollinger Bands are bullish on both weekly and monthly charts, supporting the upward price movement. Overall, the indicators present a mildly bullish outlook with some caution due to the bearish RSI and mixed longer-term signals.

Is ICICI Lombard overvalued or undervalued?

As of November 10, 2025, ICICI Lombard is considered very expensive and overvalued, with a PE ratio of 35.99 and an EV to EBIT ratio of 27.05, despite slightly outperforming the Sensex with a 6.24% return over the past year.

As of 10 November 2025, ICICI Lombard's valuation grade has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently considered overvalued. Key ratios highlight this assessment: the PE ratio stands at 35.99, the EV to EBIT ratio is 27.05, and the PEG ratio is 1.44, all of which suggest a premium valuation compared to its peers.<BR><BR>In comparison, Bajaj Finance, also rated as very expensive, has a higher PE ratio of 38.76, while Life Insurance, rated very attractive, shows a much lower PE of 11.14, indicating a stark contrast in valuation within the industry. Additionally, ICICI Lombard's return over the past year at 6.24% slightly outperformed the Sensex's return of 5.09%, but this does not mitigate its current overvaluation status. Overall, the metrics and peer comparisons strongly suggest that ICICI Lombard is overvalued in the current market landscape.

How has been the historical performance of ICICI Lombard?

ICICI Lombard has shown consistent growth from March 2020 to March 2025, with net sales increasing from INR 9,403.52 crore to INR 19,800.20 crore and profit after tax rising from INR 1,049.27 crore to INR 2,508.29 crore. Key financial metrics, including operating profit and earnings per share, have also improved significantly during this period.

Answer:<BR>The historical performance of ICICI Lombard shows a consistent growth trajectory in net sales, operating income, and profit metrics over the years leading up to March 2025.<BR><BR>Breakdown:<BR>ICICI Lombard's net sales have increased significantly from INR 9,403.52 crore in March 2020 to INR 19,800.20 crore in March 2025. Other operating income has also risen, reaching INR 4,160.72 crore in March 2025, contributing to a total operating income of INR 23,960.92 crore for the same period. The total expenditure, excluding depreciation, has grown to INR 20,679.50 crore, resulting in an operating profit (PBDIT) of INR 3,321.31 crore in March 2025, up from INR 1,598.42 crore in March 2019. Profit before tax has similarly increased to INR 3,321.31 crore, leading to a profit after tax of INR 2,508.29 crore in March 2025, compared to INR 1,049.27 crore in March 2019. The company's earnings per share have improved to INR 50.6, while the book value per share has reached INR 292.19. On the balance sheet, total assets have grown to INR 68,851.21 crore, with total liabilities at INR 68,851.21 crore as of March 2025. Cash flow from operating activities has shown variability, with a net cash outflow of INR 247 crore in March 2025, down from a net inflow of INR 2,406 crore in March 2024. Overall, ICICI Lombard has demonstrated robust growth in key financial metrics over the years.

Has ICICI Lombard declared dividend?

ICICI Lombard has declared a dividend of 65%, amounting to ₹7 per share, with an ex-date of October 23, 2025. The company has demonstrated strong total returns over various periods, particularly in the long term.

ICICI Lombard has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 65%<BR>- Amount per share: 7 per share<BR>- Ex-date: 23 Oct 25<BR><BR>Dividend Yield: 0.62%.<BR><BR>Total Returns by Period:<BR>In the last 3 months, the price return was 1.71%, the dividend return was 0.34%, leading to a total return of 2.05%.<BR><BR>Over the past 6 months, the price return was 10.49%, with a dividend return of 0.73%, resulting in a total return of 11.22%.<BR><BR>For the 1-year period, the price return was -3.0%, the dividend return was 0.94%, culminating in a total return of -2.06%.<BR><BR>In the 2-year timeframe, the price return stood at 50.27%, the dividend return was 1.84%, and the total return reached 52.11%.<BR><BR>Over the last 3 years, the price return was 78.58%, the dividend return was 3.03%, leading to a total return of 81.61%.<BR><BR>In the 4-year period, the price return was 32.23%, the dividend return was 2.98%, resulting in a total return of 35.21%.<BR><BR>Finally, in the 5-year span, the price return was 62.17%, with a dividend return of 4.50%, leading to a total return of 66.67%.<BR><BR>Overall, ICICI Lombard has shown a commitment to returning value to shareholders through dividends, with a notable 65% dividend declaration. The total returns over various periods indicate a strong performance, particularly in the longer-term, despite some fluctuations in the shorter terms.

Who are the top shareholders of the ICICI Lombard?

The top shareholders of ICICI Lombard include ICICI Bank Limited with 51.55%, foreign institutional investors with 23.68%, and mutual funds holding 15.85%. ICICI Prudential Mutual Fund is the largest public shareholder at 2.88%, while individual investors own 5.66%.

The top shareholders of ICICI Lombard include ICICI Bank Limited, which holds a significant 51.55% of the shares as the main promoter. Additionally, foreign institutional investors (FIIs) collectively own 23.68%, while mutual funds hold 15.85% through 35 different schemes. The highest public shareholder is ICICI Prudential Mutual Fund, which has a stake of 2.88%. Individual investors account for 5.66% of the holdings.

When is the next results date for ICICI Lombard?

No Upcoming Board Meetings