statements

ICICI Lombard General Insurance Company Ltd.

NSE: ICICIGI

BSE: 540716

Sector: Financial Services

Industry Group: Insurance

Industry: General Insurance

1,773.00+12.0 (+0.68%)

3 Jul, 1:59 PM

Overview Analysis Statements

Technicals Forecast Peers Resources News

Income Statement

Abridged

Understanding Income Statement

ICICI Lombard General Insurance Company Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	R 2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR	12M AR	12M AR	12M AR	12M AR
Net Premiums Earned	4,011	4,353	4,235	4,826	6,164	6,912	8,375	9,404	10,014	13,032	14,823	16,866	19,800	22,264
Net Investment Income	521	673	755	858	944	1,113	1,400	1,712	1,908	2,326	2,587	3,063	3,448	3,739
Total Revenue	4,601	5,172	5,201	6,048	7,526	8,474	10,205	11,439	12,230	16,834	17,930	20,586	23,980	27,013
Insurance Claims/Reserves - Total	3,381	3,619	3,443	3,939	4,954	5,315	6,308	6,852	6,871	9,782	10,726	11,939	13,987	15,828
Underwriting Expenses	-183	-229	-374	-328	-434	-284	223	364	601	634	472	3,089	3,838	4,484
Total Operating Expenses	4,308	4,634	4,481	5,327	6,585	7,235	8,588	9,599	10,274	14,334	15,759	17,940	20,669	23,430
Operating Profit	293	538	721	721	941	1,238	1,617	1,840	1,956	2,501	2,171	2,647	3,311	3,583
Operating Margin	6.4	10.4	13.9	11.9	12.5	14.6	15.8	16.1	16.0	14.9	12.1	12.9	13.8	13.3
Profit before Taxes	282	520	691	705	910	1,196	1,598	1,697	1,954	1,684	2,113	2,555	3,321	3,659
Income Taxes	-24	9	155	199	208	334	549	660	481	413	383	637	813	887
Profit after Tax	306	511	536	505	702	862	1,049	1,194	1,473	1,271	1,729	1,919	2,508	2,772
PAT Margin	6.6	9.9	10.3	8.4	9.3	10.2	10.3	10.4	12.0	7.6	9.6	9.3	10.5	10.3
EPS - Basic - ex Extraordinary Items	7.00	11.50	12.03	11.30	15.66	19.01	23.11	22.82	32.41	25.91	35.21	39.02	50.91	55.74
EPS - Diluted - ex Extraordinary Items	6.91	11.38	11.93	11.23	15.58	18.99	23.06	22.75	32.27	25.82	35.16	38.78	50.25	55.24
EBIT	293	538	721	721	941	1,238	1,617	1,840	1,956	2,501	2,171	2,647	3,311	3,583
EBITDA	342	588	773	777	941	1,289	1,674	1,928	2,084	2,501	2,312	2,779	3,435	3,747
EBITDA Margin	7.4	11.4	14.9	12.9	12.5	15.2	16.4	16.9	17.0	14.9	12.9	13.5	14.3	13.9

Balance Sheet

Abridged

Understanding Balance Sheet

ICICI Lombard General Insurance Company Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2013 Mar 31	2014 Mar 31	R 2015 Mar 31	R 2016 Mar 31	C 2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	PR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Total Receivables	3,114	3,294	2,511	4,526	7,203	9,617	9,088	8,634	6,027	9,499	9,106	11,089	12,318	13,048
Property Plant & Equipment - Net	323	316	315	313	309	335	403	418	416	399	420	562	541	529
Total Assets	11,962	13,545	13,674	17,114	23,351	29,750	33,403	37,042	39,298	50,848	55,086	63,308	69,020	76,111
Insurance Reserves - Total	9,165	10,194	9,738	12,710	16,893	20,945	24,440	28,168	29,276	38,121	40,981	46,138	50,252	56,328
Long Term Debt	-	-	-	-	485	485	485	485	485	255	35	35	-	-
Total Liabilities	9,933	11,050	10,494	13,570	18,947	24,475	27,744	31,336	31,182	41,379	44,480	50,358	54,036	60,039
Total Shareholders' Equity	2,028	2,495	3,179	3,545	4,404	5,275	5,659	5,706	8,116	9,469	10,606	12,950	14,984	16,072
Total Equity	2,028	2,495	3,179	3,545	4,404	5,275	5,659	5,706	8,116	9,469	10,606	12,950	14,984	16,072
Total Liabilities & Equity	11,962	13,545	13,674	17,114	23,351	29,750	33,403	37,042	39,298	50,848	55,086	63,308	69,020	76,111

Cash Flow

Abridged

Understanding Cash Flow Statement

ICICI Lombard General Insurance Company Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Cash Receipts - Business Activities	6,375	7,192	7,378	8,864	10,451	13,155	17,478	17,835	17,465	19,449	23,981	27,901	31,008	34,225
Cash Payments - Business Activities	5,840	6,547	7,845	7,782	8,339	9,375	13,429	13,402	14,040	16,903	19,642	22,557	27,056	29,624
Net CF from Operating Activities	984	595	-203	357	1,468	2,259	2,663	3,010	1,552	374	1,795	1,887	576	1,951
Capital Expenditures - Net	50	38	52	52	53	75	116	302	79	72	120	189	229	242
Net CF from Investing Activities	-962	-706	171	-310	-1,990	-1,896	-2,856	-3,382	-1,367	112	-1,685	-1,921	-1,137	-1,733
Stock - Issuance/(Retirement) - Net	102	4	12	6	38	35	4	4	10	41	21	165	350	335
Debt - LT & ST - Issuance/(Retirement) - Total	-	-	-	-	485	-	-	-	-	-485	-220	-	-35	-
Net Cash Flow from Financing Activities	102	4	12	6	521	35	4	4	10	-444	-199	165	315	335
Free Cash Flow to Equity	934	557	-255	305	1,900	2,184	2,546	2,707	1,473	-183	1,455	1,698	311	1,709
Free Operating CF net dividend	932	556	-256	304	1,414	2,184	2,546	2,706	1,473	298	1,674	1,697	344	1,708
Free Operating CF	932	556	-256	304	1,414	2,184	2,546	2,706	1,473	298	1,674	1,697	344	1,708

Business Segment Analysis

FY End:

Mar 26

ICICI Lombard General Insurance Company Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Operating Income

Motor (50.9%)₹ 1,613.80 CrFire (19.9%)₹ 630.51 CrMiscellaneous (18.2%)₹ 575.69 CrHealth including personal (7.9%)₹ -249.17 CrMarine (2.3%)₹ -73.62 CrCrop Insurance (0.8%)₹ 26.52 Cr

Net premium earned

Motor (49.5%)₹ 11,024.82 CrHealth including personal (34.7%)₹ 7,736.49 CrMiscellaneous (8.5%)₹ 1,895.04 CrFire (3.1%)₹ 690.24 CrMarine (2.8%)₹ 624.23 CrCrop Insurance (1.3%)₹ 292.75 Cr

Regional Segment Analysis

ICICI Lombard General Insurance Company Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for ICICI Lombard General Insurance Company Ltd.

Historical Segment Analysis

Track how ICICI Lombard General Insurance Company Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Operating Income

Net premium earned

Premium written gross

Business

Regional

Business

We don't have enough data to show the Capex for ICICI Lombard General Insurance Company Ltd..

Frequently Asked Questions

What is the revenue of ICICI Lombard General Insurance Company Ltd.?

The latest trailing twelve month revenue of ICICI Lombard General Insurance Company Ltd. is ₹ 27,078.40 Cr, reflecting a 1-year growth of 12.92% and a 3-year CAGR of 14.73%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of ICICI Lombard General Insurance Company Ltd.?

The latest trailing twelve month net profit (PAT) of ICICI Lombard General Insurance Company Ltd. is ₹ 2,771.94 Cr, with a 3-year earnings CAGR of 16.26%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of ICICI Lombard General Insurance Company Ltd.?

The trailing twelve month EBITDA of ICICI Lombard General Insurance Company Ltd. is approximately ₹ 3,706.55 Cr (based on an operating margin of 13.69%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of ICICI Lombard General Insurance Company Ltd.?

The trailing twelve month Earnings Per Share (EPS) of ICICI Lombard General Insurance Company Ltd. is 55.24. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of ICICI Lombard General Insurance Company Ltd.?

The debt-to-equity ratio of ICICI Lombard General Insurance Company Ltd. stands at 0.00. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of ICICI Lombard General Insurance Company Ltd.?

The estimated book value per share of ICICI Lombard General Insurance Company Ltd. is 339.36 (derived from a P/B ratio of 5.22 and market price of ₹ 1,773.00), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of ICICI Lombard General Insurance Company Ltd.?

The trailing twelve month operating cash flow of ICICI Lombard General Insurance Company Ltd. is ₹ 1,951.19 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does ICICI Lombard General Insurance Company Ltd. report consolidated or standalone financials?

ICICI Lombard General Insurance Company Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.