ICICI Prudential Life Insurance Company Limited
Financial trend (60/100) does the heavy lifting; valuation (3/100) is the drag.
ExpensiveOvervaluedStocksWizard rates ICICI Prudential Life Insurance Company Limited a Sell, scoring 37/100 on our blended model. We put fair value near ₹257.7; at ₹515.4 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 43.0x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 25% below its 52-week high of ₹686.07 and 12% above the low of ₹460.4. Financial health scores 54/100, with a Piotroski F-score of 4/9. The average analyst target of ₹683.79 implies about 33% upside across 34 analysts. It clears 4 of 12 investability checks, with durability 53, valuation 6 and momentum 40 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹206.16.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-24.88% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell37Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.6%
- Pass: Low debt (D/E < 0.5): 0.19x
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -83%
- Pass: Earnings growing: 61%
- Fail: Net margin ≥ 10%: 2.6%
- Fail: Current ratio > 1.5: 1.47
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter23.6%
- Institutions70.0%
- Public & other6.4%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Opportunities
- Earnings growing (61% YoY).
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About ICICI Prudential Life Insurance Company Limited
ICICI Prudential Life Insurance provides life insurance, annuity, pension, and health insurance products to individuals and groups in India through offerings including term, savings, unit-linked, guaranteed return, child education, and retirement plans, along with pension fund management services. Distribution occurs via individual and corporate agents, banks, brokers, proprietary sales force, and online channels.
ICICI Prudential Life Insurance Company Limited — frequently asked questions
Is ICICI Prudential Life Insurance Company Limited a buy, hold or sell?
StocksWizard currently rates ICICI Prudential Life Insurance Company Limited (ICICIPRULI) a Sell, based on a blended score of 37/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is ICICI Prudential Life Insurance Company Limited's fair value?
Our blended DCF and relative-valuation model estimates ICICI Prudential Life Insurance Company Limited's fair value at about ₹257.7, versus a current price of ₹515.4 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is ICICI Prudential Life Insurance Company Limited financially healthy?
ICICI Prudential Life Insurance Company Limited scores 54/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has ICICI Prudential Life Insurance Company Limited's share price performed?
ICICI Prudential Life Insurance Company Limited is down 4% over three months, and last traded at ₹515.4. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.