insurance
ICICI Prudential Life
ICICIPRULI · Nifty 50
₹503.65
Price 2026-06-17
At a Glance
Fundamental
62/100
ADEQUATE
Trust
90/100
Verification
Coverage
11/100
LIMITED
Quick Take
ICICI Prudential Life scores 62/100 on fundamentals (adequate). ICICI Prudential Life: BROAD EXPANSION regime.
Fundamental Score: 62/100 · ADEQUATE · 0 signals detected
DuPont Analysis
ROE 12.4% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 12.44% is moderate leverage-driven and stable. Net margin of 2.5% × asset turnover of 0.21x × leverage of 23.4x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 2.5% means the company keeps ₹2.5 as profit for every ₹100 of revenue. This is a low-margin business. Asset turnover of 0.21x means the company generates ₹0.21 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 23.4x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
2.5%
Financial Health
Peer Comparison
Bank Metrics
Return on Assets
0.53%
Benchmark: >1%
Efficiency Ratio
97.5%
Lower is better
Asset Growth
+1.6%
Year over year
PB Ratio
x
Price to book
ROA of 0.53% is adequate (benchmark: >1% for banks).
Key Watchpoints
Breaks above ₹529 (+5%)
Trend reversal confirmation
Breaks below ₹478 (-5%)
Further downside risk
Insurance sector entering leadership
Sector rotation signal
Risk Flags
Elevated risk score. Review audit, board, and shareholder rights metrics.
Company not overvalued on revenue basis.
➡️ 2 flags — 1 positive, 1 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes