ICICI Prudential Life Insurance Company Ltd.

NSE: ICICIPRULI

NIFTY500

Analyst consensus:Constructive· 33 analysts

₹496.35-21.4%1Y

Last updated 03:02:16 IST· Public market feed (~15 min delay during market hours)

ICICI Prudential Life Insurance Company Ltd.: A 30-second snapshot

ICICI Prudential Life Insurance (ICICIPRULI) trades at ₹549.60, below both its 50-DMA (₹561.77) and 200-DMA (₹609.88), and is 22.24% off its 52-week high. The stock carries a trailing PE of 49.56 against a ROE of 12.58% — the lowest ROE among the 6 tracked sector peers — and reported revenue growth of -78.9% over 5 years alongside earnings growth of +61.4%, a divergence that likely reflects gross-to-net premium accounting differences. Sell-side coverage stands at a mean rating of 1.64 across 33 analysts (1–5 scale, lower = more constructive).

P/E

49.6

Forward P/E

40.7

ROE

+12.6%

Debt / Equity

19.04

Profit Margin

+2.5%

Div. Yield

+0.1%

5Y ROE > 15%

0/5

5Y FCF > 0

0/5

Quality

39/100

Recent context

·No news items were captured in this analysis run, leaving recent corporate actions, management commentary, or regulatory developments uncharacterised; the news sentiment block is entirely empty.
·The 3-month price decline of 15.62% against a neutral RSI of 51 suggests selling pressure without an oversold technical floor having formed yet; nearest support levels are ₹511.50 and ₹491.45.
·The sector grouping places ICICIPRULI alongside banking and financial-services names (AXISBANK, HDFCBANK, BAJFINANCE); all peers returned null for 1-year price change, limiting direct relative-performance comparison.

Strengths

+Earnings growth of +61.4% over 5 years suggests the company has grown net profit substantially even as reported revenue (gross premiums) declined, pointing to improved underwriting margins or cost discipline.
+Forward PE of 40.71 is a meaningful compression from trailing PE of 49.56, implying consensus expects earnings acceleration in the near term.
+RSI at 51 is in neutral territory, indicating the stock is not in an oversold extreme despite a 22.24% drawdown from the 52-week high.
+Sell-side coverage is broad at 33 analysts with a mean rating of 1.64 on a 1–5 scale (lower = more constructive), indicating active institutional attention to the name.

Weaknesses

−ROE of 12.58% has not exceeded 15% in any tracked year and ranks last (5th of 6) among sector peers; FCF-positive years in the persistence window = 0, and the consistency score of 23/100 is near-bottom of peer group.
−Reported 5-year revenue growth of -78.9% is a highly anomalous figure — whether a data artefact or genuine top-line contraction, it prevents a reliable read on revenue trajectory without external verification.
−Price has been below the 200-DMA (₹609.88) in a sustained fashion, down 15.62% over 3 months and 5.51% over 12 months; nearest resistance at ₹584.75 is 6.4% above current price.
−Quality score of 30 ranks 4th of 6 sector peers, and the PE of 49.56 is the second-highest in the peer set — the combination of a below-median quality score and an above-median valuation represents a notable positioning.

Open questions

?Does the -78.9% reported revenue growth reflect a genuine top-line contraction in ICICI Prudential Life, or is it an artefact of a shift from gross to net premium accounting — and how does management characterise revenue trajectory in recent earnings calls?
?With ROE persistently below 15% and FCF-positive years at zero across the persistence window, what structural factors in the life-insurance business model drive this return and cash-flow profile, and how does it compare to HDFC Life (ROE 11.28%, PE 69.08) on a risk-adjusted basis?
?The forward PE of 40.71 implies a significant earnings step-up from current levels — what specific drivers (new business premium growth, persistency ratios, cost ratios) underpin that consensus expectation?
?Given that the stock is below both its 50-DMA and 200-DMA and 22.24% off its 52-week high, what catalyst or change in fundamentals would the business need to demonstrate for its price to close the gap to its moving-average levels?

Peer comparison: Banking

Ranks 4 of 6 on quality

Symbol	Name	P/E	ROE	Quality
ICICIPRULI	ICICI Prudential Life Insurance Company Ltd.You're viewing	49.6	+12.6%	30
Industry avg	across 5 peers	32.1	+14.2%	39
AXISBANK	Axis Bank Ltd.	15.0	+13.2%	53
BAJFINANCE	Bajaj Finance Ltd.	29.8	+17.9%	53
HDFCBANK	HDFC Bank Ltd.	16.8	+13.8%	47
BAJAJFINSV	Bajaj Finserv Ltd.	29.6	+14.6%	23
HDFCLIFE	HDFC Life Insurance Company Ltd.	69.1	+11.3%	20

Technical state

Current price

₹549.60

SMA 50

₹561.77

SMA 200

₹609.88

RSI (14)

51.0 (neutral)

From 52w high

-22.2%

1Y return

-5.5%

3M return

-15.6%

50-DMA

Below

200-DMA

Below

Algorithmic support levels

₹511.50

₹491.45

Algorithmic resistance levels

₹584.75

₹663.60

₹677.55

Risk flags

high
D/E of 19.04 is structurally elevated; while insurance/financial sector norms allow higher leverage, this exceeds all 5 listed sector peers (HDFCBANK D/E ~7, BAJFINANCE D/E ~3.5) and warrants scrutiny in a rising-rate environment.
high
5-year revenue growth of -78.9% is anomalous — likely a reporting artefact (premium ceding, gross-to-net restatement), but as reported this constitutes a HIGH data flag requiring verification before drawing conclusions on top-line trajectory.
medium
ROE of 12.58% has never cleared 15% in any of the tracked years (roeYearsAbove15 = 0), and FCF-positive years = 0 across the persistence window; consistency score of 23/100 places it near the bottom of its peer group.
medium
Price is below both 50-DMA (₹561.77) and 200-DMA (₹609.88), 22.24% off 52-week high, and down 15.62% over 3 months — the stock has been in a sustained downtrend relative to its own moving averages.
low
Quality score of 30 ranks 4th of 6 sector peers; PE of 49.56 is the second-highest in the peer set (behind HDFCLIFE at 69.08), yet ROE ranks last at 5th of 6, indicating a premium valuation relative to return profile.
low
Zero news items captured in this run; news sentiment block is empty, leaving recent corporate developments uncharacterised.

Cross-section contradictions

Earnings growth of +61.4% over 5 years (a positive signal) sits alongside revenue growth of -78.9% over the same period — genuine contradiction in reported financials that likely reflects a measurement artefact (gross vs. net premium accounting) but cannot be resolved from available data.
Analyst mean rating of 1.64 across 33 analysts (1–5 scale, lower = more constructive) implies constructive sell-side sentiment, yet the stock has declined 5.51% over 12 months and sits 22.24% below its 52-week high with no positive news catalyst visible.

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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 12 May 2026 · rotates through NIFTY 500 every ~5 days