Loading stock…

ICICI Life Insurance Limited (ICICIPRULI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

ICICI Life Insurance Limited

ICICIPRULIMarket cap $6.92BPrice $4.7

Country🇮🇳India

SectorFinancials

IndustryInsurance

Sells life insurance and wealth protection plans to millions of Indians through banks, agents, and digital channels. Backed by ICICI Bank's massive network, it's one of India's largest private life insurers by premium collected.

In Bastion Portfolios?

52W Return-30%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+4%4

Revenue Forecast

Rev CAGR (1y)-17%1

Rev CAGR (3y)+3%3

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1+4%5

EPS Growth Y+2+17%8

EPS Growth Y+3+13%7

Quality

Margins

EBIT Margin3%2

Net Income Margin3%3

Free Cash Flow Margin-8%2

Debt

Net Debt/EBITDA1.35

Efficiency

ROE13%6

ROA1%2

Earnings Stability77

GEAR+VERY WEAK9

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)372

P/E Ratio (Forward 3y)292

P/BV4.63

EV Multiples

EV/EBITDA Fwd402

EV/EBIT Fwd262

Yield

Free Cash Flow Yield0.0%3

Dividend Yield0.4%1

Momentum

Short term

1 month return-3%6

3 month return-6%4

YTD return-31%1

Mid term

Price vs 52wHigh65%3

1 year return-24%2

Long term

3 year return-18%2

5 year return-32%2

Risk Shield

Price Risk

Beta0.76

Volatility27%8

Free Cash Flow

Free Cash Flow Margin-8%2

Free Cash Flow Yield0.0%3

Quality

ROCE1%2

Earnings Stability77

Net Debt/EBITDA1.35

02Growth

Is it actually growing, and how fast?

ICICIPRULIICICI Life Insurance

Revenue FY26$6.8B

GROWTH RATING↗

WEAK23 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%4

Revenue, next 1Y-17%1

Revenue, next 3Y, CAGR+3%3

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+4%5

EPS growth, FY28E+17%8

EPS growth, FY29E+13%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 13%/yr vs revenue 3%/yr), so margins should widen.

WATCH

Revenue grew 4%/yr over the last 3 years and is set to keep growing around 3%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 77% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

ICICIPRULIICICI Life Insurance

Total return Current−15.7%

Price return Current−19.6%

MOMENTUM RATING↗

VERY WEAK14 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-6%4

YTD return-31%1

MID & LONG-TERM▾SCORE

% of 52-week high65%3

1-year return-24%2

3-year return-18%2

5-year return-32%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over the past month (-3%) and over three months (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-18% over three years and -32% over five), behind 80% of the market.

It's down 24% over the past year, now 35% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-31%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on ICICI Life Insurance 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

Loading charts…

02Growth

Is it actually growing, and how fast?

ICICIPRULIICICI Life Insurance

Revenue FY26$6.8B

GROWTH RATING↗

WEAK23 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%4

Revenue, next 1Y-17%1

Revenue, next 3Y, CAGR+3%3

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+4%5

EPS growth, FY28E+17%8

EPS growth, FY29E+13%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 13%/yr vs revenue 3%/yr), so margins should widen.

WATCH

Revenue grew 4%/yr over the last 3 years and is set to keep growing around 3%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 77% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

ICICIPRULIICICI Life Insurance

Total return Current−15.7%

Price return Current−19.6%

MOMENTUM RATING↗

VERY WEAK14 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-6%4

YTD return-31%1

MID & LONG-TERM▾SCORE

% of 52-week high65%3

1-year return-24%2

3-year return-18%2

5-year return-32%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over the past month (-3%) and over three months (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-18% over three years and -32% over five), behind 80% of the market.

It's down 24% over the past year, now 35% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-31%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on ICICI Life Insurance 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