ICICI Prudential Life Insurance Company Ltd

ICICI Pru Life Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

ICICI Prudential Life Insurance Company Ltd

₹ 596 1.59%
17 Apr - close price
iciciprulife.com BSE: 540133 NSE: ICICIPRULI
About

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]

Key Points

Promoter
As of Dec 2024, ICICI Bank holds 51.1% and Prudential Corporation holds a 22% stake in the company. The company is a critical entity for ICICI Bank, receiving financial support and board oversight from the bank. The parent company serves as a corporate agent for ICICI Pru Life, providing access to the bank's branch network and customer base for selling insurance products. [1] [2]

Website BSE NSE
  • Market Cap ₹ 86,094 Cr.
  • Current Price ₹ 596
  • High / Low ₹ 797 / 515
  • Stock P/E 72.6
  • Book Value ₹ 82.6
  • Dividend Yield 0.10 %
  • ROCE 11.8 %
  • ROE 10.3 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 7.21 times its book value
  • Company has a low return on equity of 9.01% over last 3 years.
  • Earnings include an other income of Rs.572 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Insurance Industry: Finance & Investments

Part of BSE 500 Nifty 100 Nifty Total Market BSE 200 Nifty 100 Equal Weight

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
13,003 -1,611 22,605 17,426 10,984 23,384 17,388 26,430 22,482 25,396 25,158 4,536 15,687
13,701 -1,483 22,869 17,502 11,400 23,663 17,682 26,584 22,760 25,362 24,839 4,295 15,272
Operating Profit -698 -128 -264 -76 -416 -280 -293 -155 -278 34 319 241 415
OPM % -5% -1% -0% -4% -1% -2% -1% -1% 0% 1% 5% 3%
1,013 328 507 352 780 496 570 420 549 237 -17 169 183
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
Profit before tax 315 201 243 277 364 216 276 265 270 271 302 410 598
Tax % 41% 22% 18% 20% 35% 5% 12% 14% 36% 17% 17% 21% 36%
187 157 200 222 235 206 244 227 174 224 251 325 385
EPS in Rs 1.30 1.09 1.39 1.54 1.64 1.43 1.69 1.58 1.21 1.56 1.74 2.25 2.67
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
21,888 34,453 20,849 37,816 38,832 41,463 21,025 83,182 63,564 50,478 90,307 70,778
20,384 32,798 19,008 36,010 37,062 40,922 21,344 83,572 65,728 52,235 92,136 69,769
Operating Profit 1,504 1,655 1,842 1,806 1,771 541 -319 -390 -2,163 -1,757 -1,829 1,010
OPM % 7% 5% 9% 5% 5% 1% -2% -0% -3% -3% -2% 1%
129 43 0 130 132 813 1,578 1,669 3,191 2,925 2,970 572
Interest 15 17 0 15 20 23 0 0 0 0 0 0
Depreciation 47 40 0 58 44 57 61 60 67 84 113 0
Profit before tax 1,572 1,642 1,842 1,863 1,839 1,274 1,198 1,219 961 1,085 1,028 1,582
Tax % 1% 0% 10% 10% 12% 11% 11% 22% 21% 25% 17% 25%
1,561 1,640 1,650 1,682 1,619 1,139 1,067 956 759 813 851 1,186
EPS in Rs 10.92 11.46 11.52 11.72 11.28 7.93 7.43 6.66 5.28 5.65 5.90 8.20
Dividend Payout % 70% 51% 73% 63% 59% 40% 11% 30% 10% 11% 10% 10%
Compounded Sales Growth
10 Years: 7%
5 Years: 27%
3 Years: 4%
TTM: -22%
Compounded Profit Growth
10 Years: -3%
5 Years: 2%
3 Years: 16%
TTM: 39%
Stock Price CAGR
10 Years: %
5 Years: 10%
3 Years: 4%
1 Year: 1%
Return on Equity
10 Years: 14%
5 Years: 9%
3 Years: 9%
Last Year: 10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 1,429 1,432 1,432 1,435 1,436 1,436 1,436 1,436 1,437 1,439 1,441 1,445
Reserves 2,954 3,833 3,891 4,971 5,138 5,435 5,777 7,673 7,721 8,651 9,564 10,488
0 0 1,029 0 0 0 0 1,200 1,200 1,200 1,200 2,600
77,090 95,951 98,413 118,335 135,245 156,215 148,818 206,911 234,079 244,562 286,796 299,705
Total Liabilities 81,474 101,215 104,765 124,741 141,819 163,086 156,031 217,220 244,437 255,851 299,001 314,239
197 209 212 207 404 463 932 911 433 479 670 848
CWIP 5 6 7 7 18 13 20 22 54 117 49 0
Investments 80,101 99,491 103,024 121,581 138,537 159,003 150,776 211,727 238,101 248,216 289,728 303,979
1,171 1,509 1,522 2,946 2,859 3,607 4,303 4,560 5,848 7,039 8,553 9,412
Total Assets 81,474 101,215 104,765 124,741 141,819 163,086 156,031 217,220 244,437 255,851 299,001 314,239

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2,382 523 3,634 4,130 5,690 11,377 8,596 7,314 1,831 89 -7,315 -9,413
6,012 -1,822 27 -696 -5,389 -7,559 -10,797 -5,084 -816 -1,145 7,420 6,875
-1,091 -966 -1,442 -994 -1,188 -843 -405 1,205 -319 -112 -88 1,422
Net Cash Flow 2,539 -2,264 2,219 2,439 -887 2,975 -2,606 3,434 696 -1,168 17 -1,116

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 3 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 3 0 0 0 0 0 0 0 0 0
Working Capital Days -17 -10 -16 -2 -9 -9 -5 -2 -6 -5 2 3
ROCE % 38% 34% 32% 29% 29% 16% 17% 14% 9% 10% 9% 12%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.40% 73.34% 73.34% 73.34% 73.33% 73.30% 73.27% 73.24% 73.17% 73.05% 73.01% 73.00%
16.13% 16.63% 15.41% 15.20% 15.43% 15.51% 14.73% 13.35% 13.23% 12.98% 12.78% 13.25%
5.09% 5.02% 5.93% 6.14% 6.32% 6.37% 6.92% 8.54% 8.82% 9.29% 9.45% 8.80%
5.38% 4.99% 5.31% 5.30% 4.92% 4.81% 5.06% 4.85% 4.75% 4.66% 4.76% 4.95%
No. of Shareholders 3,73,9533,65,9413,84,2973,82,9443,62,3423,52,3953,58,7593,41,0393,29,3743,23,6613,26,2083,29,897

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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