ICICI Pru Life

Why is ICICI Prudential Life Insurance Company Ltd falling/rising?

As of 06-Aug, ICICI Prudential Life Insurance Company's stock is declining, currently at 509.40, due to consistent underperformance against benchmarks and mixed moving averages. Despite some long-term strengths, reduced investor interest and high valuations contribute to a cautious outlook.

As of 06-Aug, ICICI Prudential Life Insurance Company Ltd's stock price is falling, currently at 509.40, reflecting a decrease of 4.6 (-0.89%). This decline can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has underperformed against the benchmark Sensex, with a performance of -0.12% over the past week compared to the Sensex's gain of +1.32%. Over the last year, the stock has generated a return of -17.73%, significantly lagging behind the benchmark's -1.97%. This consistent underperformance over the past three years indicates a trend that may deter investors.<BR><BR>Additionally, the stock's moving averages show mixed signals; while it is higher than the 20-day and 50-day moving averages, it is lower than the 5-day, 100-day, and 200-day moving averages, suggesting a lack of momentum. Furthermore, there has been a notable decline in investor participation, with delivery volume falling by 51.41% against the 5-day average, indicating reduced interest from investors.<BR><BR>Despite some positive factors, such as strong long-term fundamental strength and high institutional holdings at 22.04%, the overall sentiment is affected by poor long-term growth, as evidenced by a negative annual growth rate of -3.76% in net sales. The stock's valuation appears expensive, trading at a premium compared to its peers, with a Price to Book Value of 5.4 and a PEG ratio of 1.4. These factors contribute to a cautious outlook, leading to the stock's current decline.

Which are the latest news on ICICI Pru Life?

Should I buy, sell or hold ICICI Prudential Life Insurance Company Ltd?

What does ICICI Pru Life do?

ICICI Prudential Life Insurance Company Ltd provides life insurance products and is registered with the IRDAI. As of March 2026, it reported net sales of ₹3,185 Cr and a net profit of ₹624 Cr, with a market cap of ₹69,166 Cr.

Overview: <BR>ICICI Prudential Life Insurance Company Ltd operates in the insurance industry as a mid-cap company, providing life insurance products.<BR><BR>History: <BR>The company was incorporated on 20th July 2000 and obtained its Certificate of Commencement of Business on October 16, 2000. It is registered with the Insurance Regulatory and Development Authority of India (IRDAI) since November 24, 2000. The latest quarterly results reported net sales and profit for March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 3,185 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 624 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 69,166 Cr (Mid Cap)<BR><BR>Key Metrics: <BR>P/E: 42.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.34% <BR>Debt-Equity: 0.19 <BR>Return on Equity: 11.80% <BR>Price to Book: 5.05<BR><BR>Contact Details: <BR>Address: ICICI Prulife Tower Prabhadevi, 1089 Appasaheb Marathe Marg Mumbai Maharashtra : 400025 <BR>Tel: 91-22-40391600 <BR>Email: investor@iciciprulife.com <BR>Website: http://www.iciciprulife.com

How big is ICICI Pru Life?

As of 10th June, ICICI Prudential Life Insurance Company Ltd has a market capitalization of 69,166.00 Cr, with recent net sales of 63,356.80 Cr and a net profit of 1,607.88 Cr over the last four quarters.

As of 10th June, <BR><BR>Market Cap: ICICI Prudential Life Insurance Company Ltd has a market capitalization of 69,166.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 63,356.80 Cr, while the sum of Net Profit for the same period is 1,607.88 Cr.<BR><BR>Balance Sheet Snapshot: For the reporting period of March 2026, Shareholder's Funds amount to 13,631.15 Cr, and Total Assets are valued at 3,19,734.93 Cr.

Who are in the management team of ICICI Pru Life?

The management team of ICICI Prudential Life Insurance includes Chairman M S Ramachandran, Managing Director & CEO Anup Bagchi, and several independent and non-executive directors, totaling ten key members who guide the company's strategic direction and governance.

The management team of ICICI Prudential Life Insurance Company includes the following members:<BR><BR>1. **M S Ramachandran** - Chairman & Independent Director<BR>2. **Dilip G Karnik** - Non-Executive & Independent Director<BR>3. **R K Nair** - Non-Executive & Independent Director<BR>4. **Dileep Chinubhai Choksi** - Non-Executive & Independent Director<BR>5. **Anup Bagchi** - Managing Director & CEO<BR>6. **Sandeep Batra** - Non-Executive & Non-Independent Director<BR>7. **Vibha Paul Rishi** - Non-Executive & Independent Director<BR>8. **Sonali Chandak** - Company Secretary & Compliance Officer<BR>9. **Benjamin Bulmer** - Director<BR>10. **Anuj Bhargava** - Director<BR><BR>This team brings a diverse range of expertise to the company, supporting its strategic direction and governance.

Who are the peers of the ICICI Pru Life?

ICICI Pru Life's peers include SBI Life, HDFC Life, ICICI Lombard, Max Financial, and others, with varying management risks and growth rates. Max Financial leads in 1-year returns at 2.82%, while ICICI Pru Life has a return of -27.70%.

Peers: The peers of ICICI Pru Life are Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Lombard, 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., General Insuranc, Max Financial, Star Health Insu, and Niva Bupa Health, and the rest. Below Average management risk is noted at New India Assura. Growth is Good at Go Digit General and Niva Bupa Health, Average growth is seen at SBI Life Insuran, HDFC Life Insur., and General Insuranc, while Below Average growth is present at ICICI Pru Life, Max Financial, Star Health Insu, and New India Assura. 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 peer with the lowest is HDFC Life Insur. at -28.53%. ICICI Pru Life's own 1-year return is -27.70%, which is lower than Max Financial's but higher than HDFC Life Insur.'s. Additionally, the six-month return is negative for ICICI Pru Life, HDFC Life Insur., Max Financial, Go Digit General, and New India Assura.

Are ICICI Prudential Life Insurance Company Ltd latest results good or bad?

ICICI Prudential Life Insurance Company's latest results show a significant net profit increase of 61.94% year-on-year, reaching ₹623.91 crores, but a concerning 79.69% drop in revenue to ₹3,185.46 crores and negative operating profit indicate serious operational challenges. Investors should be cautious due to these mixed signals.

ICICI Prudential Life Insurance Company Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹623.91 crores for Q4 FY26, which is a significant increase of 61.94% year-on-year. This marks the highest quarterly profit in the company's history. Additionally, the profit after tax (PAT) margin improved to 3.25%, indicating better profitability relative to its revenue.<BR><BR>However, the revenue figures tell a different story. The company experienced a dramatic decline in revenue, with Q4 FY26 revenue falling to ₹3,185.46 crores, representing a staggering drop of 79.69% year-on-year and 86.05% quarter-on-quarter. This revenue collapse is concerning and suggests significant operational challenges.<BR><BR>Moreover, the operating profit, excluding other income, was deeply negative at ₹-754.22 crores, indicating that the core insurance operations are currently loss-making. The reliance on non-operating income, which constituted a large portion of the profit, raises questions about the sustainability and quality of these earnings.<BR><BR>In summary, while the net profit figures are impressive, the underlying revenue decline and operational losses present a troubling outlook. Investors may need to exercise caution as the company navigates these challenges.

When is the next results date for ICICI Prudential Life Insurance Company Ltd?

The next results date for ICICI Prudential Life Insurance Company Ltd is April 14, 2026.

The next results date for ICICI Prudential Life Insurance Company Ltd is scheduled for April 14, 2026.

Is ICICI Pru Life technically bullish or bearish?

As of November 4, 2025, ICICI Pru Life's technical trend has shifted to mildly bearish, supported by bearish MACD, Bollinger Bands, and KST indicators across weekly and monthly charts, along with confirming moving averages and weak bullish signals in the RSI.

As of 4 November 2025, the technical trend for ICICI Pru Life has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by several key indicators. The MACD is bearish on the weekly chart and mildly bearish on the monthly chart, while the Bollinger Bands also indicate a mildly bearish trend in both time frames. Moving averages on the daily chart confirm a mildly bearish outlook. The KST is bearish on the weekly and mildly bearish on the monthly, further supporting the bearish sentiment. Overall, the lack of strong bullish signals in the RSI and the Dow Theory's mildly bearish indication reinforce the current technical stance.

How has been the historical performance of ICICI Pru Life?

ICICI Pru Life's historical performance shows fluctuations, with net sales declining from INR 89,683.04 crore in March 2024 to INR 70,778.14 crore in March 2025, while profitability improved, with profit after tax rising to INR 1,185.52 crore in March 2025. Despite challenges in sales and cash flow, total assets and liabilities increased, indicating a stable financial position.

Answer:<BR>The historical performance of ICICI Pru Life shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>ICICI Pru Life's net sales experienced a notable decline from INR 89,683.04 crore in March 2024 to INR 70,778.14 crore in March 2025, following a previous increase from INR 49,404.07 crore in March 2023. The total operating income mirrored this trend, decreasing to INR 70,778.14 crore in March 2025 from INR 89,683.04 crore in March 2024. The company reported an operating profit of INR 1,581.81 crore in March 2025, a recovery from a loss of INR 1,010.67 crore in March 2024. Profit before tax also improved to INR 1,581.81 crore in March 2025, compared to INR 1,028.34 crore in the previous year. Consequently, profit after tax rose to INR 1,185.52 crore in March 2025, up from INR 850.66 crore in March 2024. The company's total assets increased to INR 3,14,236.03 crore in March 2025, while total liabilities also grew to INR 3,14,236.03 crore, reflecting a stable financial position. Cash flow from operating activities showed a negative trend, with an outflow of INR 9,412 crore in March 2025, compared to an outflow of INR 7,315 crore in March 2024. Overall, the financial data indicates a recovery in profitability despite challenges in sales and cash flow management.

Is ICICI Pru Life overvalued or undervalued?

As of October 15, 2025, ICICI Pru Life is considered overvalued due to its high PE ratio of 65.31, low ROE of 1.03%, and underperformance compared to the Sensex, moving its valuation grade from very expensive to expensive.

As of 15 October 2025, the valuation grade for ICICI Pru Life has moved from very expensive to expensive. The company is currently considered overvalued based on its high price-to-earnings (PE) ratio of 65.31, an EV to EBITDA ratio of 101.84, and a price-to-book value of 0.67. In comparison, peers such as Bajaj Finance and SBI Life Insurance have PE ratios of 37.84 and 74.28, respectively, indicating that ICICI Pru Life is trading at a significant premium relative to its competitors.<BR><BR>The company's financial performance metrics show a return on equity (ROE) of 1.03% and a return on capital employed (ROCE) of 0.66%, which are notably low and suggest inefficiencies in generating returns. Additionally, ICICI Pru Life has underperformed the Sensex over various periods, with a year-to-date return of -9.68% compared to the Sensex's 5.72%. This combination of high valuation ratios and poor performance metrics reinforces the conclusion that ICICI Pru Life is currently overvalued.

Who are the top shareholders of the ICICI Pru Life?

The top shareholders of ICICI Prudential Life Insurance Company include ICICI Bank Limited with a 51.03% stake, foreign institutional investors holding 13.25%, and mutual funds with a combined 6.51%. SBI Mutual Fund is the largest public shareholder at 2.13%, while individual investors own 2.45%.

The top shareholders of ICICI Prudential Life Insurance Company include ICICI Bank Limited, which holds a significant 51.03% stake as the major promoter. Other notable shareholders are foreign institutional investors (FIIs) with a combined holding of 13.25%, and mutual funds, which are represented by 30 schemes holding 6.51%. The highest public shareholder is SBI Mutual Fund, owning 2.13%, while individual investors collectively hold 2.45%.

Has ICICI Pru Life declared dividend?

ICICI Prudential Life Insurance has declared a 6% dividend, amounting to ₹0.6 per share, with an ex-date of June 13, 2024. While recent total returns show variability, the company has demonstrated positive long-term returns, particularly a 64.93% total return over the past five years.

ICICI Prudential Life Insurance Company Ltd has declared a 6% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 6%<BR>- Amount per share: 0.6<BR>- Ex-date: Jun-13-2024<BR><BR>Dividend Yield: 0.09%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -5.7%, with a dividend return of 0%, resulting in a total return of -5.7%.<BR><BR>Over the past year, the price return was 12.83%, with a dividend return of 0.10%, leading to a total return of 12.93%.<BR><BR>In the 2-year period, the price return was 27.97%, the dividend return was 0.22%, culminating in a total return of 28.19%.<BR><BR>For the 3-year period, the price return was 12.5%, with a dividend return of 0.25%, resulting in a total return of 12.75%.<BR><BR>In the last 4 years, the price return was 9.94%, the dividend return was 0.27%, which gave a total return of 10.21%.<BR><BR>Finally, over the 5-year period, the price return was 64.06%, with a dividend return of 0.87%, leading to a total return of 64.93%.<BR><BR>Overall, ICICI Prudential Life has declared a dividend, and while the recent total returns show variability, the longer-term returns indicate a positive trend, particularly over the 5-year period.