NSE/ICICIGI

ICICIGIICICI Lombard General Insurance

Financial Services · NSE

₹1,891.6+0.26%

52-wk low52-WEEK RANGE52-wk high

₹1,689.1+12.0% from low ·-8.3% from high₹2,063.6

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

ICICIGI+5.88% · 1Y

Range high ₹2,068.7Range low ₹1,629.5Latest ₹1,891.6252 bars · daily-close · NSE bhavcopy + 10Y history

Financial ServicesInsurance - DiversifiedLargecapLow Risk

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite25/100

Performance

Low

Hasn't fared well — amongst the weak performers.

· 52w return +2.7%
· Below 200-DMA (-1.5%) — downtrend

Valuation

High

Looks expensive vs the sector.

· P/E 34.3 — 85% above sector median 18.5
· P/B 5.42 above sector median

Growth

Medium

Steady but not standout growth.

· Revenue YoY +12.2%
· 3Y revenue CAGR +14.6%

Profitability

Medium

Average profitability vs peers.

· ROE 17.9%
· Top quartile ROE in Financial Services

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeC(45/100)

Durability

56/100

Reasonable financial health; watch the weaker inputs.

Show 2 drivers

Piotroski F-score3/6 (50pt)
ROE17.9% (71pt)

Valuation

20/100

Richly valued on most axes; limited margin of safety.

Show 4 drivers

P/E vs sector (34.3 / 18.5)185% (23pt)
P/B5.42 (9pt)
Dividend yield0.69% (17pt)
EV/EBITDA25.8 (28pt)

Momentum

58/100

Constructive setup — momentum building, not extended.

Show 5 drivers

52w change+2.7% (48pt)
DMA-trend alignmentsideways (50pt)
RSI (14)65.4 (90pt)
Price vs 200-DMA-1.2% (50pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)34.32

FAIR

CheapestP/E 34.3 near sector median.Most expensive

P/B5.42

OVERVALUED

CheapestP/B 5.42 at 81th %ile of sector.Most expensive

EV/EBITDA25.82

OVERVALUED

Monthly seasonality

Avg monthly return over 9 years · historical — not a forecast

Best: Jul +4.47% · Worst: Jan -2.69%

Jan

-2.7%

44% win

Feb

+1.0%

56% win

Mar

-0.8%

44% win

Apr

+4.1%

67% win

May

+1.6%

50% win

Jun

+1.9%

Monthly return distribution

Distribution of 103 monthly returns

Mean

+1.22%

Median

+1.50%

Std dev

6.67%

Best

+19.3%

Worst

-13.5%

% positive

55%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 1

Top quartile ROE in Financial Services
Rank 12 of 58 peers

WEAKNESSES · 2

Premium to sector on P/E (+85%)
P/E 34.3 vs Financial Services median 18.5
Weak financial quality (Piotroski 3/6)
Score ≤3 signals multiple concerning accounting trends

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 1

Valuation compression risk
P/E 34.3 is 85% above sector — any growth miss gets punished

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+0.3%

+5.9%

+3.0%

-0.9%

-0.6%

+6.5%

+19.9%

+5.1%

10Y

+12.7%

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
ICICIGITHIS ICICI Lombard General Insurance Company Limited	₹1,891.6	+2.7%	93,554	34.3	5.42	17.9%	—	+12.2%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	10.96	10.89	-0.7%
-2q	15.09	13.14	-12.9%
-3q	16.55	16.35	-1.2%
-4q	12.22	14.92	+22.1%

Date	Amount
2025-10-23	₹6.50
2025-06-06	₹7.00
2024-10-28	₹5.50
2024-06-07	₹6.00
2023-10-27	₹5.00
2023-06-12	₹5.50
2022-10-27	₹4.50
2022-07-28	₹5.00
2021-10-29	₹4.00
2021-08-02	₹4.00
2021-03-18	₹4.00
2019-10-31	₹3.50
2019-06-19	₹3.50
2018-10-29	₹2.50
2018-07-04	₹2.50
2017-10-26	₹0.75

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	6,150	6,166	6,988	6,424	6,905
Other income	—	—	-4	—	—
PBT	919	960	668	994	870
Tax %	24.5%	24.6%	23.7%	24.8%	24.3%
Net profit	694	724	510	747	659
EPS (₹)	13.88	14.48	—	14.92	13.14

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	16,559	18,570	21,768	24,901
Other income	-1	6	11	-38
Interest	96	81	94	101
PBT	1,684	2,113	2,555	3,321
Tax %	24.5%	18.1%	24.9%	24.5%
Net profit	1,271	1,729	1,919	2,508
EPS (₹)	25.82	35.16	38.78	50.25

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	491	491	493	496
Reserves	2,153	3,416	4,819	6,759
Borrowings	255	35	35	—
Total liabilities	50,848	55,086	63,308	69,020

ICICIGIICICI Lombard General Insurance

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Peer comparison · Financial Services

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Recent news

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Recent news

Stock scorecard

SWOT analysis

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Investing	112	-1,685	-1,921	-1,137
CF Financing	-879	-695	-355	-257
Net cash flow	65	-90	131	-247
Free cash flow	733	2,169	2,216	916

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	10.1%	8.8%	9.3%	7.7%
ROE %	39.9%	41.6%	52.8%	48.1%
ROCE %	—	57.0%	64.1%	61.4%
Debt / Equity	—	0.01	0.01	0.10
Dividend payout %	23%	27%	27%	31%
Interest coverage	33.8×	28.1×	27.2×	18.6×
Revenue growth YoY	+14.4%	+17.2%	+12.1%	—
Profit growth YoY	+30.7%	+11.0%	+36.0%	—