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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

ICICI Lombard General Insurance Company Ltd.

ICICIGI · NSE · Financial Services

₹1,734.1
+38.40 (+2.26%)
Our verdictOvervalued
Sell36/100
Quality56
Valuation14
Momentum26
Financial trend51
Intrinsic value
Our fair value
₹1,010.91
Overvalued by 42%
Price ₹1,734.1Range ₹859.27₹1,162.55

With a 20% margin of safety, our buy-below price is ₹808.73.

C
Financial health 63/100
From profitability & returns (bank/NBFC)

Piotroski F-score 5/9 — quality of earnings & balance sheet.

Investability checklist

Passed 6 of 12 checks50/100
  • ROE above 15%17.9%
  • Low debt (D/E < 0.5)0.00x
  • Positive free cash flow
  • Revenue growth > 10%12%
  • Earnings growing7%
  • Net margin ≥ 10%10.3%
  • Current ratio > 1.50.39
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 75/9

1-year price

EOD · 2026-06-15
1W
-0.2%
1M
-5.2%
3M
-6.2%
6M
-10.0%
1Y

Our scores

Durability56
Valuation27
Momentum26
Analyst consensus target ₹2,119.96 (+22%) · 26 analysts

Key fundamentals

Market cap
₹86,550 Cr
P/E ratio
31.4
P/B ratio
5.38
EPS (TTM)
₹55.28
ROE
17.9%
Debt / Equity
0.00x
Profit margin
10.3%
Free cash flow
₹3,461 Cr
52-week high
₹2,049.14
-15.37% from high
52-week low
₹1,682.71
Dividend yield
0.8%
Beta
0.46

SWOT snapshot

Strengths

  • Lightly leveraged balance sheet.

Weaknesses

  • Price below its 200-day moving average (downtrend).

Opportunities

  • Revenue growing (12% YoY).

Threats

  • Rich valuation versus sector peers.
  • Trades ~42% above our estimated fair value.

About ICICI Lombard General Insurance Company Ltd.

ICICI Lombard General Insurance Company Limited provides various general insurance products and services in India. The company primarily offers fire, marine, cargo, engineering, aviation, public/product liability, employee group, workmen's compensation, cyber, personal accident, and travel insurance solutions. It also provides credit, crop, cattle, weather, mass health, and motor, as well as home insurance solutions

More in Financial Services

Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.