ICICIPRULI

ICICI Prudential Life Insurance Company Limited

Private life insurer in the ICICI group — protection and savings plans

Financial Services›Financial Services›Insurance›Life Insurance

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

Price as of 2026-10-16

Stock price
₹445.00
Market cap
64,576 Cr
Stock P/E
36.7
P/B
4.49
Dividend yield
0.3%
ROE (FY26)
11.7%

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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Compare with peers

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What you need to know

ICICI Prudential Life sells life insurance, covering both protection (risk cover) and savings and unit-linked investment plans, to retail and group customers across India.

Company snapshot

4thBy market cap

Ranked among 6 companies in Life Insurance.

What we see

Positives
  • ✓Debt-to-equity of 0.19x — the company is largely funded by its own money, not borrowed funds.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

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

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Insurance layout · ₹ Cr · quarterly

MetricMar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Premium16,369 Cr8,503 Cr11,843 Cr11,809 Cr19,180 Cr9,749 Cr13,804 Cr
Expenses15,344 Cr24,944 Cr11,531 Cr22,333 Cr2,150 Cr27,919 Cr11,553 Cr
Operating profit1,025 Cr-16,441 Cr312 Cr-10,524 Cr17,030 Cr-18,169 Cr2,251 Cr
Investment income-905 Cr16,649 Cr-227 Cr10,746 Cr-16,302 Cr18,500 Cr-2,123 Cr
Other income600 Cr519 Cr739 Cr181 Cr1,633 Cr539 Cr484 Cr
Profit before tax414 Cr345 Cr347 Cr447 Cr668 Cr431 Cr435 Cr
Tax %6.7%12.4%13.8%12.7%8.8%10.4%14.0%
Net profit386 Cr302 Cr299 Cr390 Cr609 Cr386 Cr374 Cr
EPS (₹)₹2.67₹2.09₹2.07₹2.70₹4.20₹2.66₹2.58

Profit & loss (annual)

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

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Premium22,155 Cr26,811 Cr30,578 Cr32,879 Cr34,973 Cr36,321 Cr38,560 Cr41,760 Cr47,259 Cr51,336 CrSign in free for the trailing twelve months
Expenses————————69,530 Cr60,958 CrSign in free for the trailing twelve months
Operating profit————————-22,271 Cr-9,623 CrSign in free for the trailing twelve months
Investment income————————22,819 Cr10,865 CrSign in free for the trailing twelve months
Other income————————1,792 Cr3,072 CrSign in free for the trailing twelve months
Profit before tax1,785 Cr1,720 Cr1,163 Cr1,069 Cr1,081 Cr791 Cr897 Cr923 Cr1,336 Cr1,807 CrSign in free for the trailing twelve months
Tax %5.8%5.8%1.9%—11.2%4.6%9.6%7.7%11.0%11.4%Sign in free for the trailing twelve months
Net profit1,682 Cr1,620 Cr1,141 Cr1,069 Cr960 Cr754 Cr811 Cr852 Cr1,189 Cr1,600 CrSign in free for the trailing twelve months
EPS (₹)₹11.73₹11.28₹7.95₹7.44₹6.69₹5.25₹5.64₹5.92₹8.24₹11.06Sign in free for the trailing twelve months
Dividend payout %————————-7.3%19.9%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 capital1,435 Cr1,435 Cr1,436 Cr1,436 Cr1,436 Cr1,437 Cr1,439 Cr1,441 Cr1,445 Cr1,449 Cr
Reserves4,973 Cr5,449 Cr5,611 Cr5,783 Cr7,683 Cr7,726 Cr8,653 Cr9,568 Cr10,563 Cr12,182 Cr
Borrowings————1,200 Cr1,200 Cr1,200 Cr1,200 Cr2,600 Cr2,595 Cr
Other liabilities1,15,498 Cr1,31,489 Cr1,52,379 Cr1,45,486 Cr2,03,180 Cr2,28,827 Cr2,38,867 Cr2,81,318 Cr2,99,632 Cr3,03,509 Cr
Total liabilities1,21,906 Cr1,38,374 Cr1,59,426 Cr1,52,705 Cr2,13,499 Cr2,39,190 Cr2,50,159 Cr2,93,527 Cr3,14,240 Cr3,19,735 Cr
Fixed assets (net)————————845 Cr711 Cr
CWIP——————————
Investments————————3,03,994 Cr3,08,079 Cr
Loans & advances————————2,419 Cr3,006 Cr
Cash & bank214 Cr204 Cr661 Cr811 Cr557 Cr670 Cr771 Cr837 Cr1,006 Cr1,138 Cr
Other assets1,21,693 Cr1,38,170 Cr1,58,765 Cr1,51,894 Cr2,12,942 Cr2,38,520 Cr2,49,388 Cr2,92,690 Cr5,976 Cr6,801 Cr
Total assets1,21,906 Cr1,38,374 Cr1,59,426 Cr1,52,705 Cr2,13,499 Cr2,39,190 Cr2,50,159 Cr2,93,527 Cr3,14,240 Cr3,19,735 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 activity4,132 Cr5,693 Cr11,381 Cr8,600 Cr7,320 Cr1,831 Cr88 Cr-7,305 Cr1,07,573 Cr-5,341 Cr
Cash from investing-699 Cr-5,392 Cr-7,563 Cr-10,802 Cr-5,090 Cr-815 Cr-1,147 Cr7,414 Cr3,13,054 Cr7,557 Cr
Cash from financing-994 Cr-1,188 Cr-843 Cr-405 Cr1,205 Cr-319 Cr-112 Cr-88 Cr1,761 Cr-171 Cr
Net cash flow2,439 Cr-887 Cr2,975 Cr-2,608 Cr3,434 Cr696 Cr-1,172 Cr21 Cr4,22,388 Cr2,046 Cr
Free cash flow (OCF − Capex)4,079 Cr5,623 Cr11,268 Cr8,534 Cr7,279 Cr1,642 Cr-105 Cr-7,541 Cr1,07,573 Cr-5,462 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %——————————
ROE %26.3%23.5%16.2%14.8%10.5%8.3%8.1%7.7%9.9%11.7%
Debtor days——————————
Inventory days——————————
Days payable——————————
Cash conversion cycle——————————
Debt / equity——————0.120.110.220.19
Current ratio——0.911.151.040.93——1.311.14
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 2025Mar 2026
Solvency ratio191.8%227.3%
Expenses of management ratio16.9%18.1%
Conservation ratio81.4%81.2%
Persistency (13th month)89.1%84.5%
Persistency (25th month)82.6%81.0%
Persistency (37th month)75.2%76.3%
Persistency (49th month)69.5%71.8%
Persistency (61st month)64.1%61.6%