ICICI Lombard General Insurance Company Ltd.
Banking · NSE
52-week range
₹1,630 – ₹2,065
From 52w high
-11.5%
RSI (14)
55.4
vs SMA 50 / 200
↑ 50 · ↓ 200
ICICI Lombard General Insurance (ICICIGI) trades at ₹1,828, above its 50-DMA (₹1,816) but 3.6% below its 200-DMA (₹1,896.85), with a 52-week drawdown of 11.47% from its high. The stock has delivered a 1-year price change of 2.55% against a trailing PE of 32.97 and a forward PE of 24.57, implying earnings growth expectations embed a meaningful re-rating over the next year. ROE of 17.85% has held above 15% in 4 of the years available, and FCF has been positive in 4 of those same years.
- ✓ROE of 17.85% is the second-highest in the 6-stock peer group, above Bajaj Finance (17.91% edges it marginally) and well above HDFC Bank (13.82%), Axis Bank (13.15%), and HDFC Life (11.28%).
- ✓FCF-positive in 4 of the years available and ROE above 15% in 4 of those years, with a consistency score of 76 out of 100, indicating above-average earnings quality persistence relative to what the data covers.
- ✓Forward PE of 24.57 represents a 25.5% discount to the trailing PE of 32.97, which is the widest forward-to-trailing compression in the visible peer set — reflecting either an earnings acceleration expectation or analyst estimate revision.
- ✓Mean analyst rating of 1.92 across 26 analysts (1–5 scale, lower = more constructive), with coverage concentrated toward the lower end of the scale.
- ✗Price is 3.6% below the 200-DMA of ₹1,896.85; the stock has not reclaimed this level, and the nearest resistance cluster sits at ₹1,908.9 — just above the 200-DMA.
- ✗Quality score of 37 ranks 4th out of 6 in the peer group; only HDFCLIFE (20) and BAJAJFINSV (23) score lower, indicating below-median composite quality among visible comparables.
- ✗5-year earnings growth of 6.7% materially lags 5-year revenue growth of 12.2%, a divergence of 5.5 percentage points suggesting that scale gains have not fully translated into bottom-line expansion over the period.
- ✗Sector classification in this dataset is Banking, while ICICI Lombard is a general insurer; the five peers listed are banks and diversified financials rather than insurance comparables, which limits the reliability of all relative rankings shown.
- ·ICICI Lombard published its FY 2026 earnings call recording in mid-April 2026, making full-year results available for investor review; no specific financial figures were captured in the news pipeline for this run.
- ·The company allotted 53,824 equity shares under employee stock schemes in April 2026, a routine ESOP-related dilution event with no material impact on share count at current scale.
- ·News sentiment for the window is entirely neutral across 2 articles, providing no directional signal; broader FY26 results coverage from financial media may not have been captured in this run.
- ?Does the 5.5-percentage-point gap between 5-year revenue growth (12.2%) and earnings growth (6.7%) reflect a structural cost dynamic in the general insurance business, or a temporary claims cycle?
- ?How does ICICI Lombard rank on insurance-specific solvency and combined-ratio metrics relative to listed peers such as New India Assurance or SBI General, given the Banking peer group used here is not directly comparable?
- ?The forward PE of 24.57 implies a significant earnings step-up; what assumptions about combined ratio improvement or premium growth underpin the analyst estimates driving that compression?
- ?With the stock 3.6% below its 200-DMA and the nearest resistance at ₹1,908.9, what operational or macro catalysts — such as motor insurance tariff changes or reinsurance cost trends — does the FY26 results commentary identify as near-term drivers?
PE
33.0
Forward PE
24.6
ROE
+17.9%
Profit margin
+10.3%
D/E
—
Dividend yield
+0.7%
Quality score
37/100
ROE 5y above 15%
4/5 yrs
FCF 5y positive
4/5 yrs
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.Analysis generated 11 May 2026.