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ICICI Lombard General Insurance Company Limited (ICICIGI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

ICICI Lombard General Insurance Company Limited

ICICIGIMarket cap $8.20BPrice $16.7

Country🇮🇳India

SectorFinancials

IndustryInsurance

Sells car, health, and property insurance to millions of Indians, backed by ICICI Bank's distribution muscle. It's one of India's largest private non-life insurers, profiting from premiums most customers hope they never have to claim.

In Bastion Portfolios?

52W Return-26%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%6

Revenue Forecast

Rev CAGR (1y)+2%3

Rev CAGR (3y)+12%7

Rev CAGR (5y)+9%7

Earnings Forecast

EPS Growth Y+1-6%3

EPS Growth Y+2+28%8

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin12%5

Net Income Margin9%5

Free Cash Flow Margin9%5

Debt

Net Debt/EBITDA-0.210

Efficiency

ROE15%6

ROA3%5

Earnings Stability77

GEAR+AVERAGE59

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)282

P/E Ratio (Forward 3y)213

P/BV4.63

EV Multiples

EV/EBITDA Fwd52

EV/EBIT Fwd82

Yield

Free Cash Flow Yield0.0%3

Dividend Yieldna–

Momentum

Short term

1 month return+7%10

3 month return-12%3

YTD return-19%2

Mid term

Price vs 52wHigh79%5

1 year return-15%3

Long term

3 year return+22%4

5 year return+7%4

Risk Shield

Price Risk

Beta0.67

Volatility26%8

Free Cash Flow

Free Cash Flow Margin9%5

Free Cash Flow Yield0.0%3

Quality

ROCE19%5

Earnings Stability77

Net Debt/EBITDA-0.210

02Growth

Is it actually growing, and how fast?

ICICIGIICICI Lombard General Insurance Company

Revenue FY26$2.9B

GROWTH RATING↗

AVERAGE59 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+2%3

Revenue, next 3Y, CAGR+12%7

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-6%3

EPS growth, FY28E+28%8

EPS growth, FY29E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 8%/yr over the last 3 years and is set to grow 12%/yr from here.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

WATCH

A mid-pack grower, ahead of 59% of companies worldwide.

Revenue is set to grow 12%/yr over the next 3 years, a little ahead of the market.6/10

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 12%/yr). One year dips: EPS falls 6% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

ICICIGIICICI Lombard General Insurance Company

Total return Current43.1%

Price return Current37.0%

MOMENTUM RATING↗

AVERAGE35 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return-12%3

YTD return-19%2

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-15%3

3-year return+22%4

5-year return+7%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+7%).

WATCH

Average long-term results. Multi-year returns are middling (+22% over three years and +7.3% over five), roughly average for the market.

It's down 15% over the past year, now 21% below its 52-week high. That is a touch behind the market.

WEAKNESSES

The stock is underperforming over three months (-12%) and so far this year (-19%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the stock is underperforming over three months and so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on ICICI Lombard General Insurance Company Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

ICICIGIICICI Lombard General Insurance Company

Revenue FY26$2.9B

GROWTH RATING↗

AVERAGE59 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+2%3

Revenue, next 3Y, CAGR+12%7

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-6%3

EPS growth, FY28E+28%8

EPS growth, FY29E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 8%/yr over the last 3 years and is set to grow 12%/yr from here.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

WATCH

A mid-pack grower, ahead of 59% of companies worldwide.

Revenue is set to grow 12%/yr over the next 3 years, a little ahead of the market.6/10

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 12%/yr). One year dips: EPS falls 6% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

ICICIGIICICI Lombard General Insurance Company

Total return Current43.1%

Price return Current37.0%

MOMENTUM RATING↗

AVERAGE35 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return-12%3

YTD return-19%2

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-15%3

3-year return+22%4

5-year return+7%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+7%).

WATCH

Average long-term results. Multi-year returns are middling (+22% over three years and +7.3% over five), roughly average for the market.

It's down 15% over the past year, now 21% below its 52-week high. That is a touch behind the market.

WEAKNESSES

The stock is underperforming over three months (-12%) and so far this year (-19%).

BOTTOM LINE

Mixed Momentum

04Value

Are you paying a fair price for it?

Stop guessing on ICICI Lombard General Insurance Company Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community