ICICI Lombard General Insurance Company Ltd.
NSE: ICICIGIICICI Lombard General Insurance Company Ltd.: A 30-second snapshot
ICICI Lombard General Insurance (ICICIGI) trades at ₹1,747.90 as of the run date, reflecting a 15.51% drawdown from its 52-week high and a 5.18% decline over the past year. Trailing PE stands at 31.66 versus a forward PE of 23.60, with ROE at 17.85% and D/E of 0.057 — the latter consistent with the asset-light nature of a general insurer. Revenue has compounded at 12.2% over 5 years while earnings growth has lagged at 6.7% over the same period.
P/E
31.7
Forward P/E
23.6
ROE
+17.9%
Debt / Equity
0.06
Profit Margin
+10.3%
Div. Yield
+0.8%
5Y ROE > 15%
4/5
5Y FCF > 0
4/5
Quality
62/100
News
5 headlines · 0 positive · 0 negative
ICICI Lombard Sets June 19, 2026 Virtual AGM, Releases FY2026 Integrated Annual Report - TipRanks
TipRanks
ICICI Lombard Publishes ESG Report for FY2026 - TipRanks
TipRanks
ICICI Lombard Releases FY2026 Business Responsibility and Sustainability Report - TipRanks
TipRanks
ICICI Lombard Allots 85,803 Equity Shares Under Employee Stock Schemes - TipRanks
TipRanks
Does ICICI Lombard General Insurance (NSE:ICICIGI) Deserve A Spot On Your Watchlist? - simplywall.st
simplywall.st
Recent context
- ·ICICI Lombard published its FY2026 Integrated Annual Report alongside an ESG and Business Responsibility report in May 2026, and has scheduled a virtual AGM for June 19, 2026 — administrative disclosures with no material operational updates in the current news window.
- ·The company allotted 85,803 equity shares under employee stock schemes in May 2026, representing routine ESOP dilution at current scale.
- ·All 5 recent news items carry neutral sentiment; there are no positive or negative catalysts visible in the current coverage window, limiting news-driven context for price movement over the past month.
Strengths
- +ROE of 17.85% ranks 2nd among 6 peers in this dataset and has remained above 15% in 4 of the years for which data is available, indicating relatively consistent capital efficiency.
- +Debt-to-equity of 0.057 reflects a near-debt-free balance sheet, structurally appropriate for a general insurer and well below the banking peers in the comparison group.
- +Forward PE of 23.60 represents a 25.5% discount to the trailing PE of 31.66, implying analyst earnings estimates embed meaningful growth in the near term.
- +FCF has been positive in 4 of the available data years, and the fundamental persistence consistency score is 76, suggesting earnings quality has been broadly stable.
Weaknesses
- −5-year earnings growth of 6.7% trails 5-year revenue growth of 12.2%, a gap of 5.5 percentage points indicating margin compression or rising cost intensity over this period.
- −Price is currently below both the 50-DMA (₹1,795.85) and the 200-DMA (₹1,891.84), with the stock down 8.19% over 3 months and 5.18% over the past year.
- −The composite quality score of 41 ranks 4th out of 6 in the assigned peer group, despite above-median ROE, indicating that earnings growth consistency or FCF dimensions are dragging the composite.
- −The peer group used for sector ranking includes commercial banks and life insurers, making relative PE and ROE comparisons structurally imprecise; insurance-specific metrics such as combined ratio and solvency margin are not available in this dataset.
Open questions
- ?Does the gap between 5-year revenue growth (12.2%) and earnings growth (6.7%) reflect a structural change in the general insurance industry cost structure, or a company-specific underwriting or claims trend?
- ?How does ICICIGI's combined ratio and solvency margin compare to listed peers such as New India Assurance or Star Health, given that the current peer dataset is drawn from banking and diversified financials?
- ?The forward PE of 23.60 implies a significant earnings step-up from the trailing multiple of 31.66 — what are the specific drivers of this expected earnings improvement, and have they been validated in recent quarterly results?
- ?Given that the stock has traded below its 200-DMA through a period of neutral news flow, what would a potential re-test of the ₹1,629.50 support level imply for the risk-reward profile at current prices?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| ICICIGI | ICICI Lombard General Insurance Company Ltd.You're viewing | 31.7 | +17.9% | 41 |
| Industry avg | across 5 peers | 31.2 | +14.2% | 39 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.1 | +17.9% | 53 |
| AXISBANK | Axis Bank Ltd. | 15.1 | +13.2% | 50 |
| HDFCBANK | HDFC Bank Ltd. | 16.6 | +13.8% | 50 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.8 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 66.2 | +11.3% | 20 |
Technical state
Current price
₹1,747.90
SMA 50
₹1,795.85
SMA 200
₹1,891.84
RSI (14)
40.1 (neutral)
From 52w high
-15.5%
1Y return
-5.2%
3M return
-8.2%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumPrice of ₹1,747.90 is below both the 50-DMA (₹1,795.85) and the 200-DMA (₹1,891.84), with a 15.51% drawdown from the 52-week high. The stock is down 5.18% over 12 months and 8.19% over 3 months, and has remained below the 200-DMA throughout this period.
- medium5-year earnings growth (6.7%) materially trails 5-year revenue growth (12.2%), indicating that top-line expansion has not converted to proportional bottom-line growth over this period. Profit margin stands at 10.26% and the composite quality score of 41 ranks 4th out of 6 peers.
- mediumICICIGI is a general insurer but the peer group comprises commercial banks and diversified financials (AXISBANK, HDFCBANK, BAJFINANCE, BAJAJFINSV, HDFCLIFE). PE and ROE comparisons across these sub-sectors carry structural limits; insurance-specific solvency and combined-ratio metrics are absent from this dataset.
- lowNews coverage is limited to 5 articles, all with neutral sentiment. This sample is insufficient to draw reliable conclusions about sentiment momentum for this period.
Cross-section contradictions
- ROE of 17.85% ranks 2nd of 6 in the peer group and has exceeded 15% in 4 of the available data years, yet the composite quality score of 41 ranks 4th of 6, suggesting quality is penalised by earnings growth persistence or FCF consistency dimensions rather than return on equity alone.
- Price is down 5.18% over 12 months and 8.19% over 3 months, trading below both the 50-DMA and 200-DMA, while the mean analyst rating is 1.92 across 26 analysts (1–5 scale, lower = more constructive) — price action has diverged from the analyst coverage posture.
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.
Fundamentals & technicals: refreshed 24 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Jun 2026 · rotates through NIFTY 500 every ~5 days