ICICI Prudential Life Insurance Company Ltd logo

ICICI Prudential Life Insurance Company Ltd

ICICIPRULI NSE

Key Fundamentals

MidcapLife InsuranceInsurance
Market Cap
₹73,334 Cr
Volatility
Moderate
P/E Ratio
44.92
EBITDA
₹1,704 Cr
Return on Equity
11.8%
Debt to Equity
0.19
Book Value
₹92.6
EPS
₹6.03
52W High
₹706.8
52W Low
₹459.5

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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34 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

4
  • Stock is trading at 5.30 times its book value
  • The company has delivered a poor sales growth of -5.30% over past five years.
  • Tax rate seems low
  • Company has a low return on equity of 8.75% over last 3 years.

Growth Rate

Revenue Growth
-9.27% ↘
Net Income Growth
35.63% ↘
Cash Flow Change
43.08% ↗
ROE
18.83% ↘
ROCE
34.09% ↗
EBITDA Margin (Avg.)
9.58% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk medium

ICICI Prudential Life Insurance trades at a market cap of Rs 73,167 crore with a PE of 45.6x and PB of 5.45x. The company has delivered strong profit growth of 36% TTM and 26% CAGR over 3 years, but sales have declined 10% TTM and the stock has underperformed with a -18% return over the past year.

Bull Case 8
  • Compounded profit growth of 36% TTM indicates strong earnings momentum and improving operating leverage
  • 3-year compounded profit CAGR of 26% demonstrates sustained earnings acceleration over multiple years
  • ROE has improved to 13% in the last year from a 3-year average of 9%, showing improving capital efficiency
  • Company is expected to deliver a good upcoming quarter based on operational trends
  • 10-year compounded sales CAGR of 12% reflects long-term structural growth in India's underpenetrated life insurance market
  • 3-year compounded sales CAGR of 8% shows recent revenue recovery after a period of weakness
  • 5-year compounded profit CAGR of 11% demonstrates ability to grow bottom line even during periods of weak top-line growth
  • Market cap of Rs 73,167 crore provides scale advantages and brand trust in the insurance sector
Bear Case 8
  • TTM sales declined 10%, signaling near-term pressure on premium collections or product mix shifts
  • 5-year compounded sales CAGR is negative at -5.3%, indicating persistent top-line weakness over a meaningful period
  • Stock trading at 5.45x book value is expensive relative to the 3-year average ROE of only 9%
  • PE ratio of 45.6x is elevated, requiring sustained high earnings growth to justify the valuation
  • Stock has delivered -18% return over 1 year and -3% CAGR over 3 years, reflecting sustained underperformance
  • 3-year average ROE of only 8.75% is low for a company trading at such premium valuations
  • 5-year stock CAGR of -5% shows prolonged value erosion for longer-term shareholders
  • Dividend yield of only 0.33% offers minimal income support during periods of capital depreciation

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 6h ago
Headwinds 1
  • ₹53.7M GST demand from TN Aug 4

    Tamil Nadu GST authorities issued a partial order for FY2018-FY2020, resulting in a total liability of ₹53.7 million including penalties.

Positives 1
  • Strong July premium growth 20.7% Aug 7

    New Business Premium rose 20.7% YoY to ₹23.01 billion in July 2026, driven by robust retail and non-retail demand.

Neutral 3
  • Rebranding to ICICI Life Insurance Aug 18

    Company received approval and is seeking shareholder vote via postal ballot (record date Aug 14) to rename from ICICI Prudential Life Insurance to ICICI Life Insurance, amending MOA and AOA.

  • Transitional deal with Prudential IP Aug 12

    Signed a transitional agreement with Prudential IP Services; no financial terms, duration, or scope details were disclosed.

  • Investor conference participation Aug 6

    Scheduled to present at Motilal Oswal 22nd Annual Global Investor Conference on Aug 17 and Emkay Confluence 2026 on Aug 12 in Mumbai.

TL;DR: ICICI Prudential Life is delivering strong topline momentum with 20.7% YoY new business premium growth in July 2026. The GST demand of ₹53.7M is minor relative to the company's scale and relates to legacy periods. The rebranding to ICICI Life Insurance, paired with a transitional deal with Prudential IP, signals a clean corporate identity shift. Overall trend is positive with healthy growth and manageable regulatory headwinds.

Quarterly Results

  Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales
10,984
23,384
17,388
26,430
22,482
25,396
25,158
4,536
15,687
25,401
11,936
22,834
3,185
Expenses
11,400
23,663
17,682
26,584
22,760
25,362
24,839
4,295
15,272
25,188
11,955
22,093
3,940
Operating Profit
-416
-280
-293
-155
-278
34
319
241
415
213
-19
741
-754
OPM %
-3.8%
-1.2%
-1.7%
-0.6%
-1.2%
0.1%
1.3%
5%
2.6%
0.8%
-0.2%
3.2%
-24%
Other Income
780
496
570
420
549
237
-17
169
183
177
408
-243
1,036
Interest
0
0
0
0
0
0
0
0
0
0
0
0
0
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
364
216
276
265
270
271
302
410
598
390
389
498
281
Tax %
35%
5%
12%
14%
36%
17%
17%
21%
36%
23%
24%
22%
-122%
Net Profit
235
206
244
227
174
224
251
325
385
301
296
387
624
EPS in Rs
1.64
1.43
1.69
1.58
1.21
1.56
1.74
2.25
2.67
2.08
2.04
2.67
4.3
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales
34,453
20,849
37,816
38,832
41,463
21,025
83,182
63,564
50,478
89,683
70,778
63,357
Expenses
32,798
19,008
36,010
37,062
40,922
21,344
83,572
65,728
52,235
90,580
69,321
62,050
Operating Profit
1,655
1,842
1,806
1,771
541
-319
-390
-2,163
-1,757
-897
1,457
1,307
OPM %
4.8%
9%
4.8%
4.6%
1.3%
-1.5%
-0.5%
-3.4%
-3.5%
-1%
2.1%
2.1%
Other Income
43
0
130
132
813
1,578
1,669
3,191
2,925
2,039
258
397
Interest
17
0
15
20
23
0
0
0
0
0
0
0
Depreciation
40
0
58
44
57
61
60
67
84
113
134
145
PBT
1,642
1,842
1,863
1,839
1,274
1,198
1,219
961
1,085
1,028
1,582
1,559
Tax %
0%
10%
10%
12%
11%
11%
22%
21%
25%
17%
25%
-3%
Net Profit
1,640
1,650
1,682
1,619
1,139
1,067
956
759
813
851
1,186
1,608
EPS in Rs
11.46
11.52
11.72
11.28
7.93
7.43
6.66
5.28
5.65
5.9
8.2
11.09
Div. Payout %
51%
73%
63%
59%
40%
11%
30%
10%
11%
10%
10%
15%
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
1,432
1,432
1,435
1,436
1,436
1,436
1,436
1,437
1,439
1,441
1,445
1,449
Reserves
3,833
3,891
4,971
5,138
5,435
5,777
7,673
7,721
8,651
9,564
10,488
12,182
Borrowings
0
1,029
0
0
0
0
1,200
1,200
1,200
1,200
2,600
2,595
Other Liabilities
95,951
98,413
1,18,335
1,35,245
1,56,215
1,48,818
2,06,911
2,34,079
2,44,562
2,86,796
2,99,705
3,03,509
Total Liabilities
1,01,215
1,04,765
1,24,741
1,41,819
1,63,086
1,56,031
2,17,220
2,44,437
2,55,851
2,99,001
3,14,239
3,19,735
Fixed Assets
209
212
207
404
463
932
911
433
479
1,168
1,315
1,378
CWIP
6
7
7
18
13
20
22
54
117
49
36
43
Investments
99,491
1,03,024
1,21,581
1,38,537
1,59,003
1,50,776
2,11,727
2,38,101
2,48,216
2,89,230
3,03,475
3,07,369
Other Assets
1,509
1,522
2,946
2,859
3,607
4,303
4,560
5,848
7,039
8,553
9,412
10,944
Total Assets
1,01,215
1,04,765
1,24,741
1,41,819
1,63,086
1,56,031
2,17,220
2,44,437
2,55,851
2,99,001
3,14,239
3,19,735
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
523
3,634
4,130
5,690
11,377
8,596
7,314
1,831
89
-7,315
-9,408
-5,355
Investing
-1,822
27
-696
-5,389
-7,559
-10,797
-5,084
-816
-1,145
7,420
6,869
7,571
Financing
-966
-1,442
-994
-1,188
-843
-405
1,205
-319
-112
-88
1,422
-171
Net Cash Flow
-2,264
2,219
2,439
-887
2,975
-2,606
3,434
696
-1,168
17
-1,116
2,045
Free Cash Flow
471
3,583
4,078
5,622
11,270
-1,12,909
7,279
1,736
-105
-7,550
-9,663
-5,473
CFO/OP
32
208
229
321
2,103
-2,710
-1,930
-95
-21
790
-623
-365
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
0
3
0
0
0
0
0
0
0
0
0
0
Cash Conversion Cycle
0
3
0
0
0
0
0
0
0
0
0
0
Working Capital Days
-10
-16
-2
-9
-9
-5
-2
-6
-5
2
3
-1
ROCE %
34%
32%
29%
29%
16%
17%
14%
9%
10%
3%
12%
10%

Shareholding Pattern

As of Jun 2026
Promoters 72.73%
DIIs 11.82%
FIIs 10.22%
Public 2.65%
Others 2.58%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
73.48%
73.45%
73.42%
73.41%
73.41%
73.40%
73.35%
73.35%
73.35%
73.33%
73.29%
73.27%
73.24%
73.18%
73.05%
73.01%
73.00%
72.96%
72.93%
72.88%
72.80%
72.73%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.01%
0.01%
0.01%
0.00%
15.51%
14.73%
13.36%
13.23%
12.98%
12.78%
13.25%
13.12%
13.16%
11.48%
10.90%
10.22%
DIIs
4.26%
4.06%
4.05%
4.19%
4.72%
5.06%
4.64%
5.93%
6.14%
6.32%
6.38%
6.92%
8.54%
8.83%
9.29%
9.45%
8.80%
8.85%
8.65%
10.41%
11.05%
11.82%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
2.79%
2.45%
2.44%
2.55%
2.61%
2.53%
2.40%
2.73%
2.70%
2.41%
2.34%
2.58%
2.38%
2.24%
2.24%
2.30%
2.45%
2.57%
2.69%
2.67%
2.70%
2.65%
Others
19.47%
20.05%
20.09%
19.85%
19.26%
19.01%
19.61%
17.98%
17.80%
17.94%
2.49%
2.49%
2.49%
2.52%
2.44%
2.46%
2.50%
2.50%
2.57%
2.55%
2.55%
2.58%
No. of Shareholders
3,80,334
3,39,654
3,44,186
3,63,017
3,79,981
3,73,953
3,65,941
3,84,297
3,82,944
3,62,342
3,52,395
3,58,759
3,41,039
3,29,374
3,23,661
3,26,208
3,29,897
3,41,346
3,45,273
3,36,234
3,27,841
3,19,872

Documents

Frequently Asked Questions about ICICI Prudential Life Insurance Company Ltd

What does ICICI Prudential Life Insurance Company Ltd do?
ICICI Prudential Life Insurance Company Ltd carries on business of providing life insurance, pensions and health insurance products to individuals and groups. The business is conducted in participating, non-participating and unit linked lines of business. These products are distributed through in...
Where is ICICI Prudential Life Insurance Company Ltd (ICICIPRULI) listed?
ICICI Prudential Life Insurance Company Ltd is listed on the Indian stock exchanges. It is listed on NSE: ICICIPRULI and BSE: 540133. You can view its live share price, financials, and ratios on Tapetide.
Which sector does ICICI Prudential Life Insurance Company Ltd belong to?
ICICI Prudential Life Insurance Company Ltd operates in the Insurance sector within the Life Insurance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of ICICI Prudential Life Insurance Company Ltd?
ICICI Prudential Life Insurance Company Ltd has a market capitalisation of approximately ₹73333.75 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of ICICI Prudential Life Insurance Company Ltd?
The Price-to-Earnings (PE) ratio of ICICI Prudential Life Insurance Company Ltd is 44.92. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of ICICI Prudential Life Insurance Company Ltd?
Over the past 52 weeks, ICICI Prudential Life Insurance Company Ltd has traded between a low of ₹459.5 and a high of ₹706.8. This range helps investors understand the stock's price volatility and recent trading levels.
Does ICICI Prudential Life Insurance Company Ltd pay dividends?
Yes, ICICI Prudential Life Insurance Company Ltd has a dividend yield of 0.33%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of ICICI Prudential Life Insurance Company Ltd?
ICICI Prudential Life Insurance Company Ltd has a Return on Equity (ROE) of 11.80%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research ICICI Prudential Life Insurance Company Ltd on Tapetide?
On Tapetide, you can view ICICI Prudential Life Insurance Company Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

ICICI Prudential Life Insurance Company Ltd carries on business of providing life insurance, pensions and health insurance products to individuals and groups. The business is conducted in participating, non-participating and unit linked lines of business. These products are distributed through individual agents, corporate agents, banks, brokers, sales force and company's website.[1] It is promoted by ICICI Bank and Prudential Corporation :- ICICI Bank (51% stake)[2] - The company is a part of ICICI Bank Ltd which is the 2nd largest private bank in India. It offers a diversified range of products and services to retail, SME and corporate customers.[3] Prudential Plc (22% stake) - It is a British multinational insurance company based in London, England. It is the largest UK life insurer in Asia with presence in India, China, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines and other Asian countries. It is also present in African subcontinent in Nigeria, Ghana, Togo and other countries.[4]

Website iciciprulife.com
CEO Mr. Anup Bagchi B.Tech, PGDM
Employees 19,975
Listed 2016-09-29
Face Value ₹ 10
Issued Size 1,44,77,42,295

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