ICICI Lombard General Insurance Company Ltd.
NSE: ICICIGIICICI Lombard General Insurance Company Ltd.: A 30-second snapshot
ICICI Lombard General Insurance (ICICIGI) trades at ₹1,633.40, down 20.6% from its 52-week high and below both its 50-DMA (₹1,754.58) and 200-DMA (₹1,854.41). Trailing PE is 33.81 (forward PE 23.26) against an ROE of 14.63% and a profit margin of 8.76%. Recent news flow is dominated by Q1 results in which profit fell on elevated claims, with brokerages flagging uncertainty in the motor insurance business.
P/E
33.8
Forward P/E
23.3
ROE
+14.6%
Debt / Equity
—
Profit Margin
+8.8%
Div. Yield
+0.8%
5Y ROE > 15%
4/5
5Y FCF > 0
4/5
Quality
41/100
News
7 headlines · 0 positive · 6 negative
Downgrades on motor business uncertainty to weigh on ICICI Lombard - Business Standard
Business Standard
ICICI Lombard shares crash 15% after Q1 show. What should investors do? - Business Standard
Business Standard
ICICI Lombard shares crash 13% as brokerages flag 'significant' fall in Q1 PAT - Moneycontrol.com
Moneycontrol.com
ICICI Lombard Shares Sink 14% After Earnings Slump on Elevated Claims, One-Time Hit - HDFC Sky
HDFC Sky
ICICIGI: Premiums and income rose, but profit fell on higher claims; solvency remains robust - TradingView
TradingView
Recent context
- ·Q1 FY27 results (reported mid-July 2026) showed profit falling on elevated claims, with multiple outlets describing a 13-15% single-day share-price decline.
- ·Brokerages flagged a "significant" fall in Q1 PAT and raised uncertainty around the motor insurance business as a factor weighing on the stock (Business Standard, July 27).
- ·A July 15 TradingView item noted premiums and income rose even as profit fell, describing solvency as robust.
Strengths
- +ROE exceeded 15% in 4 of the available reporting years, and free cash flow was positive in 4 of those years (consistency score 76).
- +ROE of 14.63% ranks 2nd of 6 in the peer-comparison set that includes AXISBANK, HDFCBANK, BAJFINANCE, BAJAJFINSV, and HDFCLIFE.
- +5-year revenue growth of 10.9% shows continued top-line expansion despite bottom-line pressure.
- +A July 15 TradingView item noted that premiums and income rose in the latest quarter and that solvency "remains robust," even as reported profit fell.
Weaknesses
- −5-year earnings growth of -46.2% trails 5-year revenue growth of +10.9% by a wide margin, and the composite quality score of 15 ranks last (6th of 6) among peer-group comparators.
- −Multiple outlets (Business Standard, Moneycontrol, HDFC Sky) reported a 13-15% single-session share price decline after Q1 results showed profit falling on elevated claims; sentiment across the 7 tracked articles is negative (6 negative, 1 neutral, 0 positive).
- −Price of ₹1,633.40 is below both the 50-DMA and 200-DMA, 20.6% off the 52-week high, and down 13.61% over 12 months and 7.73% over 3 months.
- −Debt-to-equity and debt-trend data are not available (null) in the current dataset, limiting assessment of balance-sheet leverage.
Open questions
- ?Does the -46.2% five-year earnings growth reflect a one-off claims event or a structural shift in the claims/loss ratio for the motor and health segments?
- ?How does the "elevated claims" driver cited for Q1 compare with combined-ratio trends over the preceding several quarters?
- ?Given ROE persistence above 15% in 4 of the available years, does the low composite quality score of 15 stem primarily from earnings volatility, FCF variability, or another single input?
- ?With price now 20.6% below its 52-week high and below both moving averages, what change in claims experience or premium growth would be needed to alter the current earnings trajectory?
Peer comparison: Banking
Ranks 6 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| ICICIGI | ICICI Lombard General Insurance Company Ltd.You're viewing | 33.8 | +14.6% | 15 |
| Industry avg | across 5 peers | 32.2 | +14.1% | 49 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 36.8 | +17.9% | 51 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 61.2 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.7 | +14.6% | 23 |
Technical state
Current price
₹1,633.40
SMA 50
₹1,754.58
SMA 200
₹1,854.41
RSI (14)
39.4 (neutral)
From 52w high
-20.6%
1Y return
-13.6%
3M return
-7.7%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- high5-year earnings growth is -46.2% versus 5-year revenue growth of +10.9%, a wide and negative gap between top-line and bottom-line trends. Profit margin is 8.76% and the composite quality score of 15 ranks last (6th of 6) among peer-group comparators (AXISBANK, HDFCBANK, BAJFINANCE, BAJAJFINSV, HDFCLIFE).
- highNews flow from mid-to-late July 2026 (5 of 7 tracked headlines) reports Q1 results with profit falling on elevated claims, with multiple outlets (Business Standard, Moneycontrol, HDFC Sky) describing a 13-15% single-session share price decline and brokerages flagging uncertainty tied to the motor insurance business. Overall sentiment across the 7 tracked articles is negative (6 negative, 1 neutral, 0 positive).
- mediumCurrent price of ₹1,633.40 sits below both the 50-DMA (₹1,754.58) and 200-DMA (₹1,854.41), 20.6% below the 52-week high. The stock is down 13.61% over 12 months and 7.73% over 3 months; RSI of 39.36 sits in neutral territory, not in oversold range.
- lowICICIGI (a general insurer) is compared against a peer set of commercial banks and diversified financials (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE); PE/ROE comparisons across these sub-sectors carry structural limits and insurance-specific metrics (combined ratio, solvency ratio) are absent from this dataset. Debt-to-equity and debt-trend fields are also null in the fundamental data.
Cross-section contradictions
- Mean analyst rating is 2.46 across 27 analysts (1-5 scale, lower = more constructive), a moderate reading, while the stock trades 20.6% below its 52-week high and recent news flow (6 of 7 articles) following the Q1 print is negative — near-term price and news trend diverge from the standing analyst consensus level.
- ROE exceeded 15% in 4 of the available data years and free cash flow was positive in 4 of those years (consistency score 76), yet 5-year earnings growth is -46.2% and the composite quality score of 15 ranks last among 6 peers — ROE persistence has not translated into either earnings growth or a favorable composite quality ranking.
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 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days