Tag ICICI Lombard Ltd

ICICI Lombard Ltd
ICICI Lombard Q4 Results: Net Profit Falls 2% to ₹510 Cr, GDPI Up 10%, ₹7 Dividend Declared

Business and Industry Overview: 

ICICI Lombard is a big private insurance company in India. It started in 2001. It was a joint company between ICICI Bank and a foreign company called Fairfax. ICICI Bank had a 64% share. Fairfax sold all its shares in 2019. Now ICICI Bank owns most of it. The company gives many types of insurance. These include health, motor, travel, home, crop, and accident insurance. It sells these through agents, banks, online, and its own offices. It is the biggest non-life insurance company in India. It has a 9.4% market share. It had 312 real branches and 917 virtual branches. It also has 3 call centers and 685 customer service people. It is growing in small towns and cities. It also invests money. It had ₹51,557 crore in investments in 2024. In 2022, it had ₹38,786 crore. Its returns were 4.45% in 2024. It was 7.98% in 2023 and 8.45% in 2022. Most of the money is in corporate bonds (43%) and government bonds (40%). Some is in shares (12%). It is using more technology. Its app IL TakeCare has face scan. Over 1.1 crore people downloaded it. 99% of policies were given online in 2024. In 2022, it was 97%. The company had some tax-related cases. It had ₹555 crore in pending liabilities in 2024. In 2022, it was ₹880 crore. ICICI Bank increased its share in 2024. It now owns 51.66% of ICICI Lombard. Before, it had 48%. ICICI Lombard is growing fast. It uses technology. It reaches more people. It offers many types of insurance. It is strong in the market. 

Latest Stock News: 

ICICI Lombard’s share price went up by 5% on April 15, 2025. The company will share its last quarter results today. Many investors think the results will be good. So, they are buying the stock. That is why the price went up. The current share price is ₹1,822.60. In the past year, the lowest price was ₹1,480.50. The highest price was ₹2,301.90. The company’s total market value is ₹90,602.97 crore. Its P/E ratio is 42.67. This means investors are paying ₹42.67 for ₹1 of the company’s profit. Its P/B ratio is 6.54. This shows the share price is 6.54 times the value of its assets. The dividend yield is 0.67%. This means the company gives ₹0.67 as a dividend for every ₹100 invested. The debt-to-equity ratio is 0.27. This shows the company has low debt. In January 2025, the share price had gone down by 3.12% in one day. It kept falling for three days. But now it is going up again. Investors are feeling more confident. The Q4 results are important. They will show the company’s profit, number of policies sold, and claim payments. If the results are good, the price may go up more. If the results are not good, the price may fall. So, everyone is waiting for the results.  

Segmental information: 

ICICI Lombard General Insurance offers many types of insurance to cover different needs. Here is a detailed explanation of each one: 

  1. Motor Insurance: This is the largest part of the business. It covers vehicles like cars, bikes, and trucks. 
    Private Car and Bike Insurance: This helps pay for repairs if the vehicle is damaged, stolen, or caught on fire. 
    Commercial Vehicle Insurance: This covers trucks and other vehicles used for business. 
    There are two main types: 
  • Third Party Insurance: This covers damage to other people’s vehicles or property if you are at fault. 
  • Own Damage Insurance: This covers damage to your vehicle, like if it gets into an accident or is stolen. 
     
  1. Health, Travel, and Personal Accident Insurance: 
    Health Insurance: This pays for medical costs like hospital stays and doctor visits. It can cover one person or a whole family. 
    Travel Insurance: This covers problems during travel, like medical emergencies or lost luggage. 
    Personal Accident Insurance: If you are hurt or killed in an accident, this insurance gives money to you or your family to help. 
     
  1. Property and Casualty (P&C) Insurance: 
    Fire Insurance: This protects property from damage caused by fire. 
    Engineering Insurance: This helps cover accidents or damage in construction projects or machinery. 
    Liability Insurance: This protects businesses if someone sues them. For example, if a customer gets hurt on their property, this insurance helps cover legal costs. 
     
  1. Marine Insurance: This insurance protects goods being shipped by sea or air. It helps businesses that send products to other countries. If goods are lost or damaged while traveling, this insurance helps cover the cost. 
     
  1. Crop Insurance: This helps farmers if their crops are damaged by things like floods, droughts, or pests. It gives them money to recover losses and continue farming. 
     

ICICI Lombard offers all these different types of insurance to serve many customers. They help individuals, businesses, and farmers stay protected. This range of products makes the company one of the top insurance providers in India. 

Subsidiary Information: 

ICICI Lombard General Insurance has no subsidiaries. This means it does not own or control any smaller company under it. It is a single company that works on its own. It handles all its work by itself. 

ICICI Lombard is part of the ICICI Group. But it does not have any small companies working under it. It offers all its services—like motor insurance, health insurance, travel insurance, crop insurance, and more—by itself. 

The company works with other companies for help. For example, it ties up with hospitals for health insurance claims. 
– It works with garages for vehicle repairs. 
– It uses digital apps and agents to sell policies. 
– It gets help from other service providers to make things faster and easier. 

But these companies are only partners. ICICI Lombard does not own them. They just help the company give better service. 

Q4 Highlights: 

  • Net profit fell by 1.9% YoY to ₹509.6 crore in Q4 FY25 from ₹520 crore in Q4 FY24. 
     
  • GDPI (FY25) rose by 8.3% to ₹26,833 crore, higher than industry growth of 6.2%. 
     
  • GDPI ( ) grew by 11% under new IRDAI rules, beating industry growth of 8.6%. 
     
  • Solvency Ratio Strong at 2.69x, well above the required 1.5x level. 
     
  • Final dividend of ₹7 per share proposed for Q4; total FY25 dividend is ₹12.5 per share. 
     
  • Return on equity improved to 19.1% in FY25 from 17.2% in FY24. 
     
  • Share price rose 6.5% before results, closing at ₹1,830 on the BSE. 

Financial Summary:  

Amount in ₹ Crore Q4 FY24 Q4 FY25 FY23 FY24 
Revenue 5,391.00 6,051.00 20,487 23,961 
Expenses 4,701.00 5,443 17,910 20,680 
EBITDA 690 609 2,577.00 3,281.00 
OPM 13% 10% 13% 14% 
Other Income 8 60 112 40 
Net Profit 520.00 510.00 1,919 2,508 
NPM 9.65 8.43 66.46 56.48 
EPS 10.54 10.28 38.94 50.6 
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.