insurance
ICICI Lombard General Insurance
ICICIGI · Nifty 50
₹1,790.5
Price 2026-06-17
At a Glance
Fundamental
92/100
STRONG
Trust
90/100
Verification
Coverage
44/100
LIMITED
Quick Take
ICICI Lombard General Insurance scores 92/100 on fundamentals (strong). ICICI Lombard General Insurance: BROAD EXPANSION regime.
Fundamental Score: 92/100 · STRONG · 2 signals detected
DuPont Analysis
ROE 14.8% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 14.8% is moderate leverage-driven and stable. Net margin of 9.4% × asset turnover of 0.34x × leverage of 4.6x.
What This Means
Net margin of 9.4% means the company keeps ₹9.4 as profit for every ₹100 of revenue. This is a moderate-margin business. Asset turnover of 0.34x means the company generates ₹0.34 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 4.6x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
9.4%
Financial Health
Peer Comparison
ICICI Lombard General Insurance is compared against 6 peers in the insurance sector.
Bank Metrics
Return on Assets
3.23%
Benchmark: >1%
Efficiency Ratio
90.6%
Lower is better
Asset Growth
+10.1%
Year over year
PB Ratio
5.1x
Price to book
ROA of 3.23% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 5.09x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹1880 (+5%)
Trend reversal confirmation
Breaks below ₹1701 (-5%)
Further downside risk
Insurance sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
No single controlling shareholder. Management may not be aligned with shareholders.
Profits are from core operations, not one-offs. High quality.
Modern asset base. Lower near-term capex requirements.
➡️ 3 flags — 2 positive, 1 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes