ICICI Lombard General Insurance Company Ltd
Ticker: ICICIGI
Decent
48/100
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Investing Reference
Price
2020.30
Market Cap
100502.61
Debt/Equity
0.0000
ROE %
18.796
PB
6.9383
Promoter %
51.458
Pledge %
0.000
1Y Rev Growth %
16.451
5Y Rev Growth %
15.787
NP Margin %
10.451
NP Margin 5Y Avg %
9.714
Trading Reference
1M Return %
-2.121
6M Return %
10.847
1Y Return %
-3.942
% Away 52W High
6.172
% Away 52W Low
25.197
Daily Volume
7140189
Investment Verdict
Hold
Score 61/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 46/100 · 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 Lombard General Insurance Company Ltd is currently trading near its support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, it could see an upside potential of approximately 15%. However, if it fails to hold the support, there is a downside risk of around 10%.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
ICICI Lombard is a leading private general insurance provider in India, dedicated to offering comprehensive insurance solutions for individuals and businesses. With a strong focus on customer satisfaction, it caters to a diverse clientele, providing protection against unforeseen risks. The company is known for its innovative products and seamless digital services, making insurance accessible and hassle-free. Its commitment to transparency and reliability ensures peace of mind for policyholders, reinforcing its position as a trusted partner in safeguarding financial futures.
- Established leader in the Indian insurance market
- Wide range of insurance products for individuals and businesses
- Strong emphasis on customer service and satisfaction
- Innovative digital solutions for easy access
- Transparent and reliable claims process
- Commitment to financial security and risk management
Investment Thesis
ICICI Lombard stands out in the insurance sector due to its strong promoter backing from ICICI Bank, ensuring credibility and stability. The company's focus on digital services is poised for significant growth, aligning with market trends. Additionally, its current valuation presents an attractive opportunity compared to peers, making it a compelling investment choice for retail investors.
- Strong promoter group from ICICI Bank enhances credibility and trust.
- Robust growth potential in digital insurance services.
- Attractive valuation compared to industry peers.
- Consistent financial performance with a focus on innovation.
- Strategic initiatives to capture market share in a growing sector.
Opportunity vs Risk
Opportunities
- Growing insurance penetration in India
- Strong brand recognition and trust
- Expanding digital services
- Rising demand for health insurance
- Potential for international expansion
Risks ⚠️
- Regulatory changes impacting profitability
- High competition in the insurance sector
- Natural disasters affecting claims
- Economic slowdown reducing premium growth
- Investment risks in volatile markets
Peer Perspective
ICICI Lombard trades at a slight premium compared to peers like HDFC ERGO and SBI General, reflecting its strong growth prospects. A focus on margin stability could trigger a rerating in the near term.
Future Outlook
ICICI Lombard is well-positioned for growth, driven by increasing demand for insurance products; however, successful execution of its strategic initiatives and effective cost control will be crucial for sustaining profitability.
AI FAQs for Retail Users
- Q: What does ICICI Lombard do?A: ICICI Lombard provides general insurance products like health, motor, and travel insurance.
- Q: Is ICICI Lombard a good investment?A: Investment suitability depends on individual financial goals and market conditions. Research is recommended.
- Q: How has ICICI Lombard performed recently?A: Recent performance can be checked through financial news and stock market updates.
- Q: What are the risks of investing in ICICI Lombard?A: Risks include market volatility, regulatory changes, and competition in the insurance sector.
- Q: How can I buy ICICI Lombard shares?A: Shares can be purchased through a stockbroker or an online trading platform.
📊 Stock Investment Checklist (100 Points)
ICICI Lombard General Insurance Company Ltd • Updated: 2025-09-18 07:18:15
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10BusinessHighThe insurance sector is growing, but competition is intense.
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10GrowthHighConsistent revenue growth, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above industry average.
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7BalanceHighModerate debt levels, but liquidity is adequate.
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9GovernanceHighPromoter holding is strong, but some pledging exists.
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10DriversHighGrowth drivers are present, but execution risks are notable.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
ICICI Lombard shows potential but faces challenges in profitability and competitive pressures.
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: 75/100