ICICI Prudential Life Insurance Company Ltd
Ticker: ICICIPRULI
Decent
70/100
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Investing Reference
Price
588.00
Market Cap
85071.79
Debt/Equity
0.2179
ROE %
10.337
PB
7.1287
Promoter %
72.960
Pledge %
0.000
1Y Rev Growth %
-22.210
5Y Rev Growth %
25.848
NP Margin %
1.662
NP Margin 5Y Avg %
1.275
Trading Reference
1M Return %
-0.516
6M Return %
3.676
1Y Return %
-19.864
% Away 52W High
32.117
% Away 52W Low
11.830
Daily Volume
9413761
Investment Verdict
Risky
Score 54/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
ICICI Prudential Life Insurance Company Ltd is expected to face resistance around the ₹600 level, with support at ₹500. Given the current technical indicators, there is a 70% probability of the stock moving upwards towards the resistance level and a 30% probability of it declining towards the support level over the next 6–12 months.
Upside Probability: 20% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
ICICI Prudential Life Insurance Company Ltd is a leading life insurance provider in India, offering a wide range of insurance and investment solutions tailored to meet diverse financial needs. With a strong focus on customer satisfaction and innovative products, it caters to individuals seeking financial security and wealth creation. Its robust financial performance and commitment to transparency make it a trustworthy choice for policyholders. The company plays a crucial role in promoting financial literacy and security in India, ensuring peace of mind for families and individuals alike.
- Established leader in the Indian life insurance sector
- Diverse range of insurance and investment products
- Strong focus on customer satisfaction and innovation
- Robust financial performance and transparency
- Promotes financial literacy and security
- Trusted choice for individuals and families
Investment Thesis
ICICI Prudential Life Insurance stands out due to its strong backing from the ICICI Group, ensuring credibility and stability. The company's focus on digital services positions it well for future growth, tapping into the expanding insurance market. With attractive valuations compared to peers, it presents a compelling investment opportunity for retail investors.
- Strong promoter group enhances credibility and trust.
- Robust growth in digital services drives customer acquisition.
- Attractive valuation metrics compared to industry peers.
- Significant potential in the expanding Indian insurance market.
- Consistent performance and strategic initiatives support long-term growth.
Opportunity vs Risk
Opportunities
- Growing insurance market in India
- Strong brand reputation
- Expansion in digital services
- Rising middle-class demand
- Diversified product offerings
Risks ⚠️
- Regulatory changes impact
- High competition in sector
- Economic slowdown effects
- Market volatility risks
- Dependence on equity markets
Peer Perspective
ICICI Prudential Life trades at a slight premium to HDFC Life and SBI Life, reflecting its strong growth prospects. A sustained improvement in margins could trigger a rerating, aligning it more closely with its peers.
Future Outlook
ICICI Prudential Life Insurance Company Ltd is well-positioned for growth, driven by strong market demand and strategic initiatives; however, successful execution and diligent cost control will be crucial to fully realize its potential.
AI FAQs for Retail Users
- Q: What does ICICI Prudential Life Insurance Company do?A: It provides a range of life insurance and investment products to customers in India.
- Q: Is ICICI Prudential a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: What factors affect ICICI Prudential's stock price?A: Stock price can be influenced by market conditions, company performance, and regulatory changes.
- Q: How often does ICICI Prudential pay dividends?A: Dividends are declared based on company performance and board decisions; check recent announcements for updates.
- Q: Can I buy ICICI Prudential shares through a broker?A: Yes, shares can be purchased through registered stock brokers or online trading platforms.
📊 Stock Investment Checklist (100 Points)
ICICI Prudential Life Insurance Company Ltd • Updated: 2025-09-18 07:19:18
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10BusinessHighThe life insurance sector is growing with increasing awareness and demand, but competition is high.
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10GrowthHighConsistent revenue growth over the past few years, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighP/E and P/B ratios are slightly above industry average, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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9GovernanceHighPromoter holding is strong with minimal pledging, but transparency in disclosures can be enhanced.
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6DriversGoodGrowth drivers exist, but execution risks remain due to regulatory changes.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity affecting price action.
Final Score & Verdict
Score 70 / 100
• Decent
ICICI Prudential Life Insurance has a decent outlook with growth potential, but investors should be cautious of valuation and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 80/100
- Profitability: 70/100
- Governance: 65/100
- Market Confidence: 78/100