ICICI Lombard

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 ₹5,226 Cr and a net profit of ₹510 Cr as of March 2025. The company has a market cap of ₹98,995 Cr and key metrics include a P/E of 37.00 and a return on equity of 18.01%.

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 large-cap market segment.<BR><BR>History:<BR>The company was incorporated in 2001 and has maintained its status as a leading insurer. The latest quarterly results reported are for March 2025, showcasing significant sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 5,226 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 510 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 98,995 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 37.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.61% <BR>Debt-Equity: 0.00 <BR>Return on Equity: 18.01% <BR>Price to Book: 6.69 <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

When is the next results date for ICICI Lombard?

No Upcoming Board Meetings

Who are the peers of the ICICI Lombard?

ICICI Lombard's peers include SBI Life, HDFC Life, ICICI Pru Life, Max Financial, Go Digit General, New India Assurance, Star Health, and Niva Bupa Health. Max Financial leads with a 1-year return of 50.88%, while ICICI Lombard's return is 5.44%, higher than New India Assurance's -35.73%.

Peers: The peers of ICICI Lombard are Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Max Financial, Go Digit General, New India Assura, Star Health Insu, and Niva Bupa Health.<BR><BR>Quality Snapshot: Excellent management risk is observed at ICICI Lombard, while Average management risk is found at Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Max Financial, Go Digit General, Star Health Insu, and Niva Bupa Health, and the rest. Growth is Good at HDFC Life Insur., Excellent at Go Digit General and Niva Bupa Health, Average at SBI Life Insuran, General Insuranc, and Max Financial, and Below Average at Life Insurance and ICICI Pru Life, and the rest. Capital Structure is Excellent across all peers.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Max Financial at 50.88%, while the lowest is New India Assura at -35.73%. ICICI Lombard's 1-year return of 5.44% is higher than New India Assura's but lower than Max Financial's. Additionally, General Insuranc, New India Assura, and Star Health Insu have negative six-month returns.

Who are in the management team of ICICI Lombard?

As of March 2023, the management team of ICICI Lombard includes Bhargav Dasgupta (MD & CEO), Alok Kumar Agarwal, Sanjeev Radheyshyam Mantri (Executive Directors), and several Independent Directors, including Lalita Dileep Gupte (Chairperson). They oversee the company's operations and strategic direction.

As of March 2023, the management team of ICICI Lombard includes the following individuals:<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. **Suresh Muthukrishna Kumar** - Independent Director<BR>9. **Murali Sivaraman** - Independent Director<BR>10. **Vikas Mehra** - Company Secretary & Compliance Officer<BR>11. **Sandeep Batra** - Director<BR>12. **Rakesh Jha** - Director<BR>13. **Anuj Bhargava** - Director<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

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.

How big is ICICI Lombard?

As of 24th July, ICICI Lombard General Insurance Company Ltd has a market capitalization of 96,294.00 Cr, with recent Net Sales of 20,432.41 Cr and a Net Profit of 2,675.00 Cr. Shareholder's Funds are 14,485.17 Cr and Total Assets are valued at 68,851.21 Cr.

As of 24th July, ICICI Lombard General Insurance Company Ltd has a market capitalization of 96,294.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 20,432.41 Cr and a Net Profit of 2,675.00 Cr.<BR><BR>For the latest annual period ending in March 2025, the Shareholder's Funds amounted to 14,485.17 Cr, while the Total Assets were valued at 68,851.21 Cr.

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.

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.

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.

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.

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

ICICI Lombard's latest results show a strong net profit growth of 40.93% year-on-year, reaching ₹718.20 crores, and a 10.81% increase in premium income. However, a significant drop in operating margins to 11.85% raises concerns about future profitability, indicating operational challenges that investors should watch closely.

ICICI Lombard General Insurance Company Ltd's latest results present a mixed picture. On one hand, the company reported a significant net profit of ₹718.20 crores for Q4 FY26, which is a 40.93% increase year-on-year and a 9.03% increase from the previous quarter. Additionally, premium income grew by 10.81% year-on-year, reaching ₹5,790.53 crores.<BR><BR>However, there are notable concerns regarding the company's operational efficiency. The operating margin, excluding other income, fell sharply to 11.85%, down 662 basis points from the previous quarter, indicating rising operational pressures. This decline in margins, despite the profit growth, raises questions about the sustainability of such performance.<BR><BR>Overall, while the profit growth is commendable, the significant margin compression suggests that the company is facing challenges that could impact future profitability. Investors should monitor these trends closely, as the balance between profit growth and margin stability is crucial for the company's ongoing success.

Which are the latest news on ICICI Lombard?

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

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

As of 08-May, ICICI Lombard's stock price is at 1,826.60, down 1.27% after a trend reversal. Despite recent gains, the stock shows a year-to-date decline of 6.90% and is trading below its long-term moving averages, indicating a potential bearish trend.

As of 08-May, ICICI Lombard General Insurance Company Ltd's stock price is falling, currently at 1,826.60, which reflects a decrease of 23.45 or 1.27%. This decline follows a trend reversal after three consecutive days of gains. The stock has underperformed its sector by 0.95% today and reached an intraday low of Rs 1,793.90, marking a drop of 3.04%. <BR><BR>Despite a positive performance over the past week and month, with increases of 3.69% and 4.31% respectively, the year-to-date performance shows a decline of 6.90%. Additionally, while the stock is trading above its 5-day, 20-day, and 50-day moving averages, it remains below its 100-day and 200-day moving averages, indicating a potential bearish trend. <BR><BR>Investor participation has increased, with a delivery volume rise of 45.83% compared to the 5-day average, suggesting some interest in the stock despite its current price drop. The stock's strong long-term fundamentals, indicated by an average Return on Equity (ROE) of 16.02% and high institutional holdings at 41.81%, may provide some support, but the immediate price action reflects a downward movement.