ICICI Lombard General Insurance Company Limited

ICICIGI IN

ICICIGI INICICI Lombard General Insurance Company Limited

India Composite

1,730.05

INR

+67.60

(+4.07%)

38.81EPS Dil.

44.31P/E

852.91BMarket Cap

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Next Earnings

January 15

Ex-Dividend Date

October 27

Held by Insiders

51.77%

Held by Institutions

31.30%

Use logarithmic scale

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	TTM
Revenue per Share	112.44	124.33	128.94	155.26	184.98	213.31	245.48	246.26	284.96	337.54	363.6	- -	443.24
Basic EPS, GAAP	8.08	11.7	13.14	11.3	14.21	19.01	23.11	26.27	32.41	25.91	35.21	- -	39.04
Free Cash Flow per Basic Share	21.35	12.51	-3.37	10.26	34.84	51.06	62.98	68.87	37.28	14.95	44.17	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	9.88	19.49	30.22	37.8	47.54	64.56	81.28	99.01	127.39	53.87	79.55	108.15	107.81
Tangible Book Value per Share	42.65	51.88	63.84	71.43	84.16	102.46	117.11	126.78	161.96	183.04	209.03	247.69	246.91
Basic Weighted Avg Shares	437	445	445	447	452	453	454	454	455	491	491	- -	491
Sales/Revenue/Turnover	49,114	55,288	57,419	69,426	83,559	96,707	111,462	111,903	129,518	165,592	178,548	217,852	217,852
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	488	497	537	565	535	509	595	900	1,300	1,414	1,424	1,338	- -
Net Income, GAAP	3,528	5,201	5,853	5,053	6,418	8,618	10,493	11,938	14,731	12,710	17,290	19,186	19,186
Effective Tax Rate (%)	- -	2.51	16.94	28.3	27.08	27.96	34.36	29.65	24.61	24.5	18.15	24.91	24.91
Profit Margin (%)	7.18	9.41	10.19	7.28	7.68	8.91	9.41	10.67	11.37	7.68	9.68	8.81	8.81
Working Capital	34,928	39,508	30,197	40,317	61,250	77,731	73,354	67,584	59,020	76,482	69,415	69,415	- -
LT Debt	- -	- -	- -	- -	4,850	4,850	4,850	4,850	4,850	2,550	350	350	350
Total Equity	19,711	24,119	29,542	32,960	39,009	47,269	54,004	60,394	75,985	91,927	104,440	122,050	122,050
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	- -	66.99	46.32	29.46	27.74	27.25	27.27	26.72	26.9	28.77	51.19	41.86	40.37
Return on Common Equity (%)	- -	79.23	52.43	33.04	33.26	33.87	31.68	29.14	28.63	30.13	52.78	41.62	41.62

Capital Structure

•

in mil. unless spec.

Working Capital

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in mil. unless spec.

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	14.99%	14.76%	22.01%
Net Income, GAAP	15.24%	14.09%	10.96%
Free Cash Flow	-11.95%	19.9%	-3.21%
Total Cash Common Dividend	- -	- -	- -
Total Equity	17.69%	17.82%	16.86%

Growth Rates

•

in mil. unless spec.

Quarterly Revenue

•

in mil. unless spec.

Quarterly Earnings Per Share

•

in mil. unless spec.

Quarterly Dividends Per Share

•

in mil. unless spec.

Company Description

Full Time Employees: 12,865
Sector: Financial Services
Industry: Insurance—Diversified
Address: ICICI Lombard House Mumbai India 400025
Website: www.icicilombard.com
Business: ICICI Lombard General Insurance Company Limited provides various general insurance products and services in India. The company primarily offers fire, marine, crop, cattle, health, personal accident, motor, home, travel, personal accident, and cyber insurance products; and employee group insurance, and engineering liability solutions. It also offers underwriting and claims, reinsurance, and other services. The company serves customers through body corporates, as well as small, micro, and medium enterprises; state and central governments, government-owned enterprises, and rural customers; and agents, brokers, bancassurance, telesales, direct alliances, motor insurance service providers, and online platforms. The company was incorporated in 2000 and is based in Mumbai, India.

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	TTM
Revenue per Share	112.44	124.33	128.94	155.26	184.98	213.31	245.48	246.26	284.96	337.54	363.6	- -	443.24
Basic EPS, GAAP	8.08	11.7	13.14	11.3	14.21	19.01	23.11	26.27	32.41	25.91	35.21	- -	39.04
Free Cash Flow per Basic Share	21.35	12.51	-3.37	10.26	34.84	51.06	62.98	68.87	37.28	14.95	44.17	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	9.88	19.49	30.22	37.8	47.54	64.56	81.28	99.01	127.39	53.87	79.55	108.15	107.81
Tangible Book Value per Share	42.65	51.88	63.84	71.43	84.16	102.46	117.11	126.78	161.96	183.04	209.03	247.69	246.91
Basic Weighted Avg Shares	437	445	445	447	452	453	454	454	455	491	491	- -	491
Sales/Revenue/Turnover	49,114	55,288	57,419	69,426	83,559	96,707	111,462	111,903	129,518	165,592	178,548	217,852	217,852
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	488	497	537	565	535	509	595	900	1,300	1,414	1,424	1,338	- -
Net Income, GAAP	3,528	5,201	5,853	5,053	6,418	8,618	10,493	11,938	14,731	12,710	17,290	19,186	19,186
Effective Tax Rate (%)	- -	2.51	16.94	28.3	27.08	27.96	34.36	29.65	24.61	24.5	18.15	24.91	24.91
Profit Margin (%)	7.18	9.41	10.19	7.28	7.68	8.91	9.41	10.67	11.37	7.68	9.68	8.81	8.81
Working Capital	34,928	39,508	30,197	40,317	61,250	77,731	73,354	67,584	59,020	76,482	69,415	69,415	- -
LT Debt	- -	- -	- -	- -	4,850	4,850	4,850	4,850	4,850	2,550	350	350	350
Total Equity	19,711	24,119	29,542	32,960	39,009	47,269	54,004	60,394	75,985	91,927	104,440	122,050	122,050
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	- -	66.99	46.32	29.46	27.74	27.25	27.27	26.72	26.9	28.77	51.19	41.86	40.37
Return on Common Equity (%)	- -	79.23	52.43	33.04	33.26	33.87	31.68	29.14	28.63	30.13	52.78	41.62	41.62

Year	Q1	Q2	Q3	Q4	FY
2022	3.09	9.11	6.47	6.37	25.91
2023	7.11	12.03	7.18	8.9	35.21
2024	7.95	11.75	8.78	10.55	- -

	Sep'24	Dec'24	Mar'24
ST Debt	- -	- -	1,315
LT Borrowings	350	350	350
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	491	492	493
Market Capitalization	628,778	702,957	829,928

	Sep'24	Dec'24	Mar'24
Total Current Assets	702	1,332	- -
Accounts Receivable, Net	- -	- -	109,004
Cash, Cash Equivalents & STI	702	1,332	36,101
Inventories	- -	- -	- -
Total Current Liabilities	- -	- -	- -
Payables & Accruals	- -	- -	36,296
ST Debt	- -	- -	1,315
Deferred Revenue	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2022	34,472	39,806	40,173	44,947	165,592
2023	41,494	46,062	45,477	45,522	178,548
2024	47,393	52,623	51,592	66,244	217,852