ICICIGI

ICICI Lombard General Insurance Company Limited

ICICI Lombard General Insurance Company Limited (ICICIGI) financial statements and selected valuation metrics through 30 September 2026.

Financial Services›Financial Services›Insurance›General Insurance

icicilombard.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹1680.10
Market cap
83,854 Cr
Stock P/E
32.8
P/B
4.66
Dividend yield
0.4%
ROE (FY26)
16.5%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

ICICI Lombard sells general insurance in India, covering cars, two-wheelers and trucks, health policies for individuals and employers, and fire and other property cover for businesses; it collected gross premium of ₹8,860 crore in Q1 FY27.

Company snapshot

1stBy market cap

Ranked among 6 companies in General Insurance.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Insurance layout · ₹ Cr · quarterly

MetricJun 2023Sept 2023Dec 2023Jun 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Premium4,468 Cr4,240 Cr4,691 Cr5,361 Cr5,084 Cr5,481 Cr5,611 Cr5,313 Cr5,963 Cr6,487 Cr6,604 Cr6,214 Cr
Expenses769 Cr670 Cr727 Cr712 Cr713 Cr666 Cr738 Cr743 Cr792 Cr786 Cr785 Cr863 Cr
Operating profit3,699 Cr3,570 Cr3,963 Cr4,649 Cr4,371 Cr4,815 Cr4,872 Cr4,570 Cr5,172 Cr5,702 Cr5,819 Cr5,351 Cr
Investment income————————————
Other income29 Cr20 Cr32 Cr4 Cr-2 Cr0.33 Cr5 Cr32 Cr16 Cr32 Cr6 Cr31 Cr
Profit before tax520 Cr764 Cr574 Cr774 Cr960 Cr668 Cr994 Cr1,077 Cr870 Cr718 Cr536 Cr1,247 Cr
Tax %24.9%24.4%24.8%25.0%24.6%23.7%24.8%23.9%24.3%23.9%24.7%24.1%
Net profit390 Cr577 Cr431 Cr580 Cr724 Cr510 Cr747 Cr820 Cr659 Cr547 Cr403 Cr946 Cr
EPS (₹)₹7.95₹11.75₹8.78₹11.77₹14.63₹10.29₹15.06₹16.49₹13.25₹10.97₹8.08₹18.95

Profit & loss (annual)

Annual insurance P&L · TTM where available · ₹ Cr

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Premium6,158 Cr6,912 Cr9,539 Cr9,641 Cr10,685 Cr13,490 Cr15,540 Cr16,866 Cr20,761 Cr23,374 CrSign in free for the trailing twelve months
Expenses——1,990 Cr2,293 Cr2,734 Cr3,920 Cr4,515 Cr—2,845 Cr3,059 CrSign in free for the trailing twelve months
Operating profit——7,549 Cr7,348 Cr7,951 Cr9,569 Cr11,025 Cr—17,916 Cr20,316 CrSign in free for the trailing twelve months
Investment income——————————Sign in free for the trailing twelve months
Other income——41 Cr107 Cr483 Cr807 Cr951 Cr—-19 Cr84 CrSign in free for the trailing twelve months
Profit before tax880 Cr1,196 Cr1,598 Cr1,697 Cr1,954 Cr1,684 Cr2,113 Cr2,555 Cr3,321 Cr3,659 CrSign in free for the trailing twelve months
Tax %27.1%28.0%34.4%29.7%24.6%24.5%18.2%24.9%24.5%24.2%Sign in free for the trailing twelve months
Net profit642 Cr862 Cr1,049 Cr1,194 Cr1,473 Cr1,271 Cr1,729 Cr1,919 Cr2,508 Cr2,772 CrSign in free for the trailing twelve months
EPS (₹)₹14.32₹19.01₹23.11₹26.27₹32.41₹25.91₹35.21₹39.03₹50.74₹55.74Sign in free for the trailing twelve months
Dividend payout %————0.0%29.2%0.0%—0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital451 Cr454 Cr454 Cr454 Cr455 Cr491 Cr491 Cr493 Cr496 Cr498 Cr
Reserves3,450 Cr4,273 Cr4,866 Cr5,680 Cr6,981 Cr8,619 Cr9,901 Cr11,712 Cr13,807 Cr16,347 Cr
Borrowings485 Cr485 Cr485 Cr485 Cr485 Cr255 Cr35 Cr35 Cr——
Other liabilities503 Cr548 Cr27,597 Cr30,423 Cr31,378 Cr41,484 Cr44,659 Cr745 Cr54,717 Cr59,265 Cr
Total liabilities4,889 Cr5,760 Cr33,403 Cr37,042 Cr39,298 Cr50,848 Cr55,086 Cr12,985 Cr69,020 Cr76,111 Cr
Fixed assets (net)——465 Cr677 Cr627 Cr577 Cr564 Cr—802 Cr839 Cr
CWIP——————————
Investments——22,231 Cr26,327 Cr30,892 Cr38,786 Cr43,180 Cr—53,508 Cr58,421 Cr
Cash & bank194 Cr592 Cr402 Cr33 Cr228 Cr293 Cr203 Cr335 Cr88 Cr987 Cr
Other assets4,695 Cr5,168 Cr10,305 Cr10,006 Cr7,551 Cr11,192 Cr11,139 Cr12,650 Cr14,623 Cr15,864 Cr
Total assets4,889 Cr5,760 Cr33,403 Cr37,042 Cr39,298 Cr50,848 Cr55,086 Cr12,985 Cr69,020 Cr76,111 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity1,628 Cr2,390 Cr—3,433 Cr1,774 Cr809 Cr2,290 Cr2,407 Cr1,147 Cr2,622 Cr
Cash from investing-1,990 Cr-1,896 Cr—-3,382 Cr-1,367 Cr112 Cr-1,685 Cr-1,921 Cr-1,137 Cr-1,733 Cr
Cash from financing361 Cr-96 Cr—-420 Cr-212 Cr-879 Cr-695 Cr-355 Cr-257 Cr-336 Cr
Net cash flow-0.76 Cr398 Cr—-369 Cr195 Cr42 Cr-90 Cr131 Cr-247 Cr554 Cr
Free cash flow (OCF − Capex)1,574 Cr2,315 Cr—3,130 Cr1,695 Cr733 Cr2,169 Cr2,216 Cr916 Cr2,379 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %——————————
ROE %16.5%18.2%19.7%19.5%19.8%14.0%16.6%15.7%17.5%16.5%
Debtor days——————————
Inventory days——————————
Days payable——————————
Cash conversion cycle——————————
Debt / equity0.120.100.090.080.070.030.00340.0029——
Current ratio——0.480.390.310.340.31—0.340.35
Net debt / EBITDA——————————

Regulatory ratios (as filed, standalone basis)

IRDAI ratios as filed with results. Key metrics may show the investor-deck figure, which can differ.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Solvency ratio224.0%217.0%290.0%246.0%251.0%—269.0%267.0%
Claims ratio75.3%72.9%68.6%75.1%72.4%—70.6%71.1%
Combined ratio98.5%100.4%99.8%108.8%104.5%—102.8%103.4%
Expenses of management ratio21.4%26.6%28.7%30.0%29.6%—30.8%31.7%
Net retention ratio64.5%70.9%74.6%72.7%71.4%—73.5%76.3%