Tag Insurance Sector

ICICI Lombard Ltd
ICICI Lombard 2025: Business Insights, Stock Performance, and Future Growth Plans

Business and Industry Overview: 

ICICI Lombard is a big private insurance company in India. It does more than just sell insurance. The company wants to help people and bring good changes to society. ICICI Lombard follows the United Nations’ Sustainable Development Goals. These goals are made to help the world become a better place. The company supports many social projects. It helps people stay healthy before they get sick. This is called preventive healthcare. It teaches people how to be safe on the roads. It supports education for children and young people. It helps poor people learn skills and get jobs. It also gives help during disasters like floods and earthquakes. All this work is part of its CSR. CSR means Corporate Social Responsibility. This means the company gives back to society. ICICI Lombard wants to help the country grow in a fair and good way. The company wants to do more than just make money. It wants to help people, too. The company follows a strong promise. Its motto is “Nibhaye Vaade.” This means “We keep our promises.” The company wants to build a safe and helpful place. It wants people to grow and follow their dreams. ICICI Lombard works with its workers, customers, and the community. It wants to make life better for everyone. The company believes that we can build a better future if we all work together. 

Latest Stock News: 

On April 11, 2025, the stock price of ICICI Lombard General Insurance Company fell by 3.94%. This happened after the stock had gone up for two days in a row. The sudden fall shows that the trend might be changing. It could be moving from a rising trend to a falling one. On that day, the stock hit an intraday low of ₹1708.5, which was a 4.27% drop during the trading session. The stock also performed worse than other companies in the same sector. It underperformed its sector by 5.27%. This means while other companies in the sector were more stable or performed better, ICICI Lombard’s stock dropped more. Right now, the stock is trading below all its important moving averages — the 5-day, 20-day, 50-day, 100-day, and 200-day averages. Moving averages are used to understand the trend of a stock over time. If the stock is below all these averages, it means the trend is bearish, or going down. This shows that in the short and medium term, the stock may keep falling unless something changes. In the past week, ICICI Lombard’s stock has gone down by 6.67%. During the same time, the Sensex (which shows the overall market performance) has only gone down by 0.36%. This means ICICI Lombard is doing worse than the overall market. Even though ICICI Lombard is facing a drop, the broader market is showing some strength. On April 11, 2025, the Sensex rose by 254.71 points, reaching 75,090.20. It opened higher that day, which is called a gap-up opening. But still, the Sensex is trading below its 50-day moving average. This shows that the overall market is not very strong either and is still under pressure. 

If we look at a longer-term view, ICICI Lombard’s stock has gone up by 26.23% over the past three years. This is a good return. But in comparison, the Sensex went up by 27.35% in the same time. This means ICICI Lombard has slightly underperformed the market in the long run as well. 

Potentials: 

ICICI Lombard has plans to grow and improve in many ways. First, they want to use technology like AI. This will help them make services faster and more efficient. They also want to offer more types of insurance. This includes health insurance, home insurance, and car insurance. By doing this, they can meet the needs of more customers. The company also wants to make things easier for customers. They plan to make buying insurance, making claims, and getting help quicker and simpler. They will do this both online and in physical branches. ICICI Lombard is also focused on helping the environment and society. They plan to keep supporting projects that help people and the planet. This includes programs for healthcare, education, and disaster relief. The company wants to expand into smaller towns and rural areas. This will help them reach more people who may not have insurance yet. Finally, ICICI Lombard plans to improve its internal processes. This will help them work faster and provide better service to customers. In all, ICICI Lombard is looking to grow by offering more products, improving customer service, helping society, and reaching more customers. 

Analyst Insights: 

  • Market Capitalisation: ₹4,28,537 Crore 
  • Current Stock Price: ₹3,116 
  • 52-Week High / Low: ₹3,964 / ₹2,965 
  • Price-to-Earnings (P/E) Ratio: 31.0 
  • Dividend Yield: 0.89% 
  • Return on Capital Employed (ROCE): 13.4% 
  • Return on Equity (ROE): 14.7% 

ICICI Lombard is a big and strong insurance company. It has a good name in the market. The company has no debt. This means it does not have to repay loans. This is a good thing. The company gives a Return on Equity (ROE) of 18.08%. This shows the company is using money wisely. The Earnings Per Share (EPS) is ₹50.80. This means the company earns well for each share. The dividend yield is 0.64%. It gives small but regular money to shareholders. The company’s revenue is growing every year. It went from ₹11,533 crore to ₹20,602 crore. This means the business is growing. But the P/E ratio is 33.83. This is higher than the industry average of 18.49. So, the stock is costly. The P/B ratio is also high at 6.12. 

On April 11, 2025, the stock fell by 3.94%. It dropped more than the sector. The stock hit a low of ₹1708.5. In the past week, the stock fell by 6.67%, but the Sensex fell only 0.36%. This means the stock is not doing well. The stock is below all moving averages – 5-day, 20-day, 50-day, 100-day, and 200-day. This shows a weak trend. The stock price may go down more in the short term. The company has good plans. It wants to use technology and AI. It wants to grow in digital services and also in rural areas. This shows long-term growth. 

Cholamandalam Financial Holdings Ltd
Cholamandalam Financial Holdings Faces Short-Term Decline but Poised for Strong Long-Term Growth in 2025

Business and Industry Overview: 

Cholamandalam Financial Holdings Limited is a company that belongs to the Murugappa Group, one of India’s largest business groups. It was founded in 1949. The company first made tubes and later moved into other industries. In 1959, it merged with Tube Products of India Ltd., changing its name to Tube Investments of India Ltd. This marked the start of its growth into many areas. In 1960, the company started a joint venture called TI Diamond Chain with a U.S. company. By 1962, it began making cold-rolled steel strips. In the 1980s, Cholamandalam expanded into the automobile sector. It built a factory in Avadi, Tamil Nadu, to make car parts. Cholamandalam entered the insurance business in 2002. It invested Rs 76.30 crore in Cholamandalam General Insurance. This made the insurance company a part of Cholamandalam. They also partnered with Mitsui Sumitomo Insurance Company from Japan to run the insurance business. In 2010, the company bought a majority stake in the Sedis Group from France and set up a plant in China. In 2008, Cholamandalam began making electric scooters. It opened plants to make e-scooters and bicycles. The company also grew its business in many other ways, including making parts for cars. In 2017, it decided to separate its manufacturing business. It transferred the manufacturing business to Tube Investments of India Ltd. In 2019, the company changed its name to Cholamandalam Financial Holdings Limited. Recently, the company focused on growing its financial services. In 2022, it bought a company called Payswiff Technologies to help improve its digital services. Cholamandalam also launched new loan products like Consumer & Small Enterprise Loans and Secured Business & Personal Loans. These loans help people and small businesses. By 2023, the company expanded its branches from 22 to 34 across India. Today, Cholamandalam Financial Holdings is known for offering insurance, loans, and wealth management services. The company continues to grow and introduce new products. It aims to meet the needs of its customers and expand its reach across India. 

India’s financial services industry is growing very fast. Mutual funds, where people invest their money, have seen huge growth. In 2014, the total money invested in mutual funds was Rs. 9.16 trillion. By 2024, it grew to Rs. 64.97 trillion. This shows that more people are choosing mutual funds to grow their money. The insurance sector is also growing. By 2025, it might reach US$ 1 trillion. More people are buying insurance to protect themselves and their families. The fintech sector is booming. Fintech includes companies that provide financial services online. These services include payments, money transfers, and digital banking. India now has over 2,100 fintech companies. With more people using smartphones and the internet, India is becoming one of the biggest digital markets. These companies help people manage money and pay bills easily through their phones. The Indian government is helping the financial industry grow. In 2022, the government introduced plans to launch the Digital Rupee. This will make digital payments even faster and easier. The government is also encouraging foreign companies to invest in India’s insurance sector. They increased the limit for foreign investment to 74%. Financial services like loans, insurance, and mutual funds are reaching more people in rural areas. Before, many people in villages did not have access to these services. Now, they can easily use them. The wealth management industry is also growing. Rich people are looking for personal financial advice and investment options. The government has made it easier for more people to use financial services. Digital payment systems like UPI (Unified Payments Interface) are growing in popularity. UPI helps people send money and make payments quickly. More people are using it every day. These changes show that India’s financial services industry is modernizing and reaching more people. The industry has a lot of potential to keep growing. 

Cholamandalam Financial Holdings Limited (CFHL) is a strong company in India that offers services like mutual funds, insurance, and asset management. It competes with big companies like HDFC, ICICI, and SBI, but it stands out because it is part of the trusted Murugappa Group. CFHL helps many different types of customers. It serves large businesses, small businesses, and even people in rural areas. These are areas where financial services were hard to find before. CFHL is also making it easier for people to use its services online. Customers can now manage their investments and insurance through digital platforms. CFHL owns a large part of Cholamandalam MS General Insurance, which helps it grow in the insurance market. This gives CFHL a chance to reach more people who need insurance. The company uses new technologies to improve its services. CFHL focuses on customer needs and reaching people in more parts of India. As more people use financial services, CFHL is well-positioned to grow and do well in the market. 

Latest Stock News: 

As of March 27, 2025, Cholamandalam Financial Holdings Ltd (CFHL) is trading at ₹1,721.60, up by ₹8.70 or 0.51% on the day. The stock’s volume for the day was 88,152 shares. The stock reached a high of ₹1,739.40 and a low of ₹1,701.90. It is part of the non-life insurance industry in the financial services sector. Its share price has recently increased by 0.51%, reaching ₹1,721.60. In the past year, the stock has grown by over 57%, showing it’s a strong performer. The company is in the financial services sector, particularly in non-life insurance, and is worth about ₹32,367 crore. It has been making good profits and saving a lot of them in reserves. Experts think the stock could grow more, making it a good option for investors looking for returns. 

Recently, CFHL’s stock price broke out from a period of sideways movement, showing a positive sign. It has found support above the 200-day moving average, which could mean it is ready to go up after falling by 24%. Experts believe that short-term traders could aim for ₹1,800 in the next 1-2 months. If the stock keeps performing well, it might offer good returns for those willing to take on higher risks. The overall trend for CFHL looks positive, and investors may want to buy it in the coming months. In addition to this, the company has announced a recent update regarding its Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information. The Board of Directors approved amendments to the code in their meeting on March 26, 2025. The revised code, in compliance with SEBI’s regulations, ensures that the company will disclose price-sensitive information in a fair, timely, and uniform manner. The updated code is available on the company’s website for public access. 

Potentials: 

Cholamandalam Financial Holdings has clear plans for growth. They aim to expand in the non-life insurance market. By offering new products, they hope to attract more customers. This will help the company increase its profits. The company also wants to improve its digital services. They plan to make it easier for customers to use their products online. This includes improving their website and mobile apps. Customers will be able to buy insurance, track claims, and manage policies more easily. Cholamandalam is focused on building up cash reserves. This will make the company more financially stable. Having more reserves will also allow them to invest in future growth opportunities. To be more efficient, the company will use advanced technology and better business processes. This will help reduce costs and increase productivity. Cholamandalam wants to keep its customers happy. They will focus on providing good service and building strong relationships. This will help them keep existing customers and attract new ones. Lastly, the company wants to give steady returns to its shareholders. They are committed to growing the business in a way that benefits everyone involved. In summary, Cholamandalam’s future plans are about expanding their market, improving digital services, saving money for future investments, becoming more efficient, and focusing on customer satisfaction. These strategies will help the company grow and succeed over time. 

Analyst Insights: 

  • Market capitalisation: ₹ 32,419 Cr 
  • Current Price:₹ 1,725 
  • 52-Week High/Low: ₹ 2,155 / 1,034 
  • Stock P/E: 15.6 
  • Dividend Yield: 0.03%
  • Return on Capital Employed (ROCE): 10.7%

Cholamandalam Financial Holdings Ltd (CFHL) has shown good growth. Its revenue grew by 31% last year. This means the company is expanding and making more money. Its net profit also grew a lot, from ₹543 Cr in FY2021 to ₹1,160 Cr in FY2023. This shows strong profit growth. It is good at making money. The company keeps 50% of what it earns as profit. This means for every ₹100 it makes, ₹50 is profit. This is a sign of good management. The return on equity (ROE) is 19.8%. This means CFHL is using its money well to make more money for its investors. CFHL has a lower price-to-earnings (P/E) ratio compared to companies like Bajaj Finance. This could mean CFHL is cheaper than its competitors, making it a good time to buy. Although there is a small drop in promoter holdings and the interest coverage ratio is lower, these are not big problems compared to its overall good financial performance. CFHL is also spread out in different areas like vehicle finance, home loans, and insurance. This helps the company stay stable even if one part of the business does not do well. With its strong growth and lower stock price compared to competitors, CFHL looks like a good investment in the finance sector. 

LIC Ltd Q3 FY25 Results
LIC Ltd Q3 FY25 Results: Strong Net Profit Surges 17% YoY to ₹11,057 Cr

LIC Ltd: Overview 

Life Insurance Corporation of India (LIC) is the largest life insurer in India, commanding a dominant position in the market. Established in 1956 by the Government of India through the nationalization of over 245 private insurers, LIC has played a pivotal role in shaping the Indian life insurance landscape. With an extensive distribution network of more than 1.4 million agents, numerous bancassurance partnerships, and a growing digital presence, LIC caters to millions of policyholders across urban and rural India. As of FY 2024, LIC manages assets worth over ₹45 lakh crore, making it one of the largest institutional investors in the country. Its business model revolves around a diversified product portfolio that includes individual life insurance, pension plans, annuities, ULIPs, health insurance, and group insurance schemes. The company also offers microinsurance products to serve the financially weaker sections of society. LIC’s AUM-to-GDP ratio is among the highest in the world, underscoring its importance in India’s financial system. The Indian life insurance sector is expected to experience robust growth, driven by rising disposable incomes, increasing financial awareness, and favourable regulatory initiatives. Currently, India’s life insurance penetration stands at approximately 3.2% of GDP, significantly lower than the global average, highlighting substantial growth potential. The post-pandemic era has reinforced the importance of life insurance as a financial protection tool, leading to higher demand for pure protection plans (term insurance), health-linked insurance, and retirement products. Additionally, the government’s initiatives, such as Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and tax incentives for insurance products, have boosted policy uptake across different income groups. 

Latest Stock News 

LIC has demonstrated strong financial performance, with the yield on investment (policyholders’ fund) recorded at 8.82% for the first nine months (9M) of FY25, compared to 9.14% in 9M FY24. A significant highlight of LIC’s financial trajectory is the surge in Indian Embedded Value (IEV), which increased by ₹159,111 crore from September 2023 to September 2024, reflecting a remarkable growth trajectory and strengthening LIC’s valuation in the industry. The company continues to dominate the life insurance sector, backed by its extensive agency network, which contributes 47.40% of the industry’s total agency force. LIC’s loyal and well-trained agency network is a blend of young and experienced professionals, ensuring widespread customer outreach. In 9M FY25, a total of 3,68,150 agents were trained, with a significant 77.40% of them falling within the 18-40 years age group, underscoring LIC’s focus on youth recruitment to drive future growth. Additionally, the launch of LIC’s Bima Sakhi Yojana by the Hon’ble Prime Minister on December 9, 2024, marked a major initiative to empower women in the insurance sector. Out of the total 7.45 lakh women agents in India, LIC holds a 42.67% share, reflecting its leadership in gender-inclusive employment. LIC has also maintained its exemplary claims management system, settling total death claims worth ₹17,588 crore in 9M FY25, up from ₹16,288 crore in 9M FY24. The death claim settlement ratio has improved to 98.66% in 9M FY25, compared to 98.46% in 9M FY24, reinforcing LIC’s commitment to efficient and reliable claim settlements. 

Business Segments

  • Individual Life Insurance: LIC offers a broad range of individual life insurance products, including term insurance, endowment plans, whole-life policies, ULIPs, and money-back policies. These plans provide a combination of risk coverage and savings, catering to different financial needs. Popular policies like Jeevan Anand, Jeevan Umang, and Tech Term continue to be preferred choices among policyholders. 
  • Group Insurance and Pension Plans: LIC dominates the group insurance segment, providing group term insurance, gratuity schemes, and superannuation plans to corporate and government organizations. Its pension and annuity products, such as Jeevan Akshay and Jeevan Shanti, help retirees secure a stable post-retirement income. The growing aging population and lack of adequate pension coverage in India make this segment a key growth driver for LIC. 
  • Health Insurance: LIC’s health insurance segment includes policies like LIC Jeevan Arogya, which offers hospitalization benefits, critical illness cover, and family protection. With rising medical inflation and healthcare costs, LIC is expected to expand its health insurance offerings further. 
  • Microinsurance and Rural Policies: To ensure financial inclusion, LIC has introduced low-premium, high-coverage insurance plans targeted at low-income groups and rural populations. Policies like LIC Bhagya Lakshmi and LIC New Jeevan Mangal provide affordable life coverage, supporting the government’s vision of universal financial protection. 

Subsidiary Information

  • LIC Housing Finance Ltd. (LIC HFL): LIC HFL is one of India’s leading housing finance companies, providing home loans, project financing, and loans against property. With a strong nationwide presence, the subsidiary plays a vital role in India’s real estate financing sector. LIC’s association with the brand enhances customer trust, making LIC HFL a preferred choice for homebuyers. 
  • LIC Mutual Fund Asset Management Ltd: LIC’s mutual fund arm offers diverse investment solutions, including equity, debt, hybrid, and tax-saving funds (ELSS). The subsidiary capitalizes on LIC’s brand recognition to attract retail and institutional investors looking for long-term wealth creation opportunities. 
  • LIC Pension Fund Ltd: LIC Pension Fund manages National Pension System (NPS) investments, serving government employees and private sector participants. With India’s increasing focus on retirement planning, this subsidiary is expected to play a crucial role in the country’s pension market. 
  • LIC Cards Services Ltd: A relatively newer subsidiary, LIC Cards Services Ltd. has entered the credit card market in partnership with IDBI Bank, offering insurance-linked benefits and targeting LIC’s existing policyholders to expand its customer base. 
  • LIC International: LIC has expanded internationally through joint ventures in Bangladesh, Nepal, Sri Lanka, and the UAE, offering customized life insurance solutions to the South Asian market. These subsidiaries contribute to LIC’s global growth strategy and revenue diversification. 

Q3 FY25 Earnings 

  • Revenue of ₹203751 crore in Q3 FY25 down by 4.8% YoY from ₹214054 crore in Q3 FY24.  
  • EBITDA of ₹11395 crore in this quarter at a margin of 6% compared to 4% in Q3 FY24. 
  • Profit of ₹11009 crore in this quarter compared to a ₹9434 crore profit in Q3 FY24. 

Financial Summary 

Amount in ₹ Cr Q3 FY24 Q3 FY25 FY23 FY24 
Revenue 214054 203751 784628 845966 
Expenses 204815 192356 750420 813188 
EBITDA 9239 11395 34207 32779 
OPM 4% 6% 4% 4% 
Other Income 206 818 7800 14829 
Net Profit 9434 11009 35997 40916 
NPM 4.4% 5.4% 4.6% 4.8% 
EPS 14.9 17.4 56.9 64.5