BSE: ICICIGI - ICICI Lombard General Insurance Company Limited

Yield per half year: -19.84%
Dividend yield: +0.90%
Sector: Financials

Reporting ICICI Lombard General Insurance Company Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									680.73
Выручка, млрд ₹	75.26	84.74	102.05	114.39	122.3	161.31	179.3	217.85	217.85	159.03	13.75
Чистая прибыль, млрд ₹	7.02	8.62	10.49	11.94	14.73	12.71	17.29	19.19	19.19	15.17	9.95
EV, млрд ₹			470.07	478.94	655.21	662.05			662.05	566.57	8.94
EBIT, млрд ₹	9.47	12.3	16.21	17.2	20.23	17.2	20.63		20.63	18.29	4.94
EBITDA, млрд ₹									21.67
Баланс стоимость, млрд ₹	44.04	52.75	56.59	57.06	81.16	94.69	106.06	122.05	122.05	92.20	16.42
FCF, млрд ₹			28.59	31.3	16.95	7.33	21.69	22.16	22.16	19.89	-6.67
Операционный денежный поток, млрд ₹	16.28	23.9	29.76	34.33	17.74	8.09	22.9		22.9	22.56	-5.11
Операционная прибыль, млрд ₹	9.18	12.46	15.43	17.29	19.53	18.37	20.51		20.51	18.23	5.86
Операционные расходы, млрд ₹			95.48	94.93	109.98	148.76	157.42	192.3	192.3	140.68	15.16
CAPEX, млрд ₹	0.5383	0.7503	1.17	3.03	0.7902	0.7587	1.21	1.9	1.9	1.54	-8.91

	2019Q3	2019Q4	2020Q1	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹								46.35	39.7	44.83	43.85	50.93	45.31	50.5	51.59	66.24	56.33	53.99	4.45
Чистая прибыль, млрд ₹								3.13	3.49	5.91	3.53	4.37	3.9	5.77	4.31	5.2	5.8	5.00	8.26
EV, млрд ₹									552.39									552.39	0.00
EBIT, млрд ₹	4.61	3.85	3.79	5.3							4.88	5.84	5.13	7.64				5.76	7.59
Баланс стоимость, млрд ₹								94.69	95.75	103.33	105.04	106.06	114.56	119.13	116.97	122.05	126.63	119.87	2.02
Операционный денежный поток, млрд ₹						-3.5		8.09		-0.914		22.9		0.9508				5.51	-177.06
Операционная прибыль, млрд ₹					0.8831	4.56	2.74	10.18	3.17	4.21	2.76	10.37	3.48	5.89				5.34	6.95
Операционные расходы, млрд ₹								40.84	36.84	39.97	40.82	39.8	42.19	44.99	45.85	59.27	48.59	48.18	2.86
CAPEX, млрд ₹						0.3526		0.7587		0.385		1.21		0.8295				0.7072	18.66

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	0.384	0.3128	0.4305	0.323	2.26	2.8	1.22	3.35	3.35	1.99	59.65
Short Term Investments ₹							37.73	32.75	32.75	35.24	-6.83
Long term investments ₹			221.22	262.2	307.88	384.12	431.8			321.44	14.31
Total Receivables ₹	19.8	19.59	22.09	84.82	60.06	91.49	89.12	109	109	86.90	5.14
Total Current Assets ₹	97.42	123.43	121.38	125.73	104.49	165.94	110.76		110.76	125.66	-1.81
Чистые активы, млрд ₹	3.09	3.35	4.03	4.18	4.16	3.99	5.64		5.64	4.40	6.95
Активы, млрд ₹	233.51	297.5	334.03	370.42	392.98	508.48	550.86	633.08	633.08	491.16	11.31
Short Term Debt ₹								1.32	1.32	1.32	0.00
Long Term Debt ₹	4.85	4.85	4.85	4.85	4.85	2.55	0.35	0.35	0.35	2.59	-40.89
Задолженность, млрд ₹	189.47	244.75	277.44	313.36	311.82	413.79	444.8	511.03	511.03	398.96	10.28
Чистый долг, млрд ₹			0.8335	4.52	2.57	0.5708		-1.68	-1.68	1.36	-215.05
Долг, млрд ₹								1.67	1.67	1.67	0.00
Interest income ₹			13.7	16.87	18.77	7.03	7.32			12.74	-11.78
Расходы на обслуживание долга ₹	0.2708	0.4001	0.4001	0.4005	0.3998	0.9556	0.1147	0.9413	0.9413	0.5624	18.64
Чист. проц. доходы, млрд ₹			-0.5518	-0.6823	-0.7449	-0.9566	-0.5093	29.79	7.32	5.38	-312.82

	2019Q3	2019Q4	2020Q1	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹								2.85	1.04	1.22	2.08	2.03	1.07	0.7025	1.33	3.35	1.23	1.54	2.83
Short Term Investments ₹												37.73				32.75		35.24	-6.83
Long term investments ₹						371.95	374.54	384.12	398.34	400.96	414.51	431.8	449.05	453.12	468.67			443.43	2.49
Total Receivables ₹		22.83	17.58					91.49				89.12				109		66.00	36.70
Total Current Assets ₹	105.63	136.67	125.73	77.9							127.17	110.76	119.91	136.72				114.49	11.91
Чистые активы, млрд ₹					6.1	6.09	5.91	5.77	5.5	5.43	5.51	5.64	5.75	5.76				5.62	1.19
Активы, млрд ₹								508.48	520.06	539.05	551.07	550.86	577.69	599.08	616.37	633.08	661.39	617.52	2.74
Short Term Debt ₹																1.32		1.32	0.00
Long Term Debt ₹							2.55	2.55	2.55	0.35	0.35	0.35	0.35	0.35	0.35	0.35		0.3500	0.00
Задолженность, млрд ₹								413.79	424.3	435.72	446.04	444.8	463.13	479.95	499.4	511.03	534.76	497.65	2.92
Чистый долг, млрд ₹						1.45	1.39		1.51							-1.68		0.6675	-203.75
Долг, млрд ₹																1.67		1.67	0.00
Interest income ₹					2.02	1.74	1.63	1.64	1.71	1.97	1.87	5.55	1.86	2.22				2.69	2.42
Расходы на обслуживание долга ₹												0.1147						0.1147	0.00
Чист. проц. доходы, млрд ₹							0.0009	-0.9575	1.71	1.97	1.87	5.55	1.86	2.22				2.69	2.42

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		14.27	23.08	26.2	32.3	25.89	35.21	38.94		38.94	31.71	8.25
Цена акции ао	774.95	865.7	1389.4	1520.75	1400.95	1235.2	1420.15	1787.15	1679.6	1679.6	1504.61	3.69
Число акций ао, млн			454.31	454.47	454.59	490.89	491.13	492.69		492.69	476.75	1.63
FCF/акцию			62.94	68.86	37.28	14.94	44.17	44.98		44.98	42.05	-8.16

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
EPS			6.35	7.09	12	7.17	8.89	7.95	11.75	8.76	10.54	11.77	10.15	8.16
Цена акции ао	1535.88	1469.23	1324.05	1249.17	1229.03	1179.64	1136.52	1153.88	1350.79	1396.02			1243.37	3.43

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	15.94	16.34	18.54	20.92	18.15	14.46	17.23	16.82		16.82	13.90	17.52	-4.27
ROA, %	3.01	2.9	3.14	3.22	3.75	2.82	3.26	3.24		3.24	2.81	3.26	0.12
ROS, %	9.33	10.17	10.28	10.44	12.04	7.88	9.64	8.81	8.81	8.81	59.51	9.44	-6.06
ROCE, %	21.51	23.31	28.64	30.15	24.92	17.69	19.39		16.9	16.9	2.58	21.81	-10.93
Ebit margin, %				15.04	16.54	10.66	11.51		9.47	9.47		12.64	-8.84
Рентаб EBITDA, %									9.95	9.95	10.51	9.95	0.00
Чистая рентаб, %	9.33	10.17	10.28	10.44	12.04	7.88	9.64	8.81		8.81	59.51	9.76	-3.34
Operation Margin, %	12.19	14.7	15.12	15.11	15.97	11.39	11.44	9.42	9.42	9.42	13.65	11.53	-10.02

	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %				3.3	3.65	5.72	3.36	4.12	3.72	5.29	3.83	4.47	4.85	13.90	4.43	5.45
ROA, %				0.6146	0.6711	1.1	0.6397	0.7932	0.6918	0.9811	0.71	0.8316	0.8967	2.81	0.8222	5.33
ROS, %				6.74	8.79	13.17	8.04	8.58	8.61	11.43	8.36	7.84	10.3	59.51	9.31	3.65
ROCE, %							4.65	5.51	2.37	6.85				2.58	4.85	10.17
Ebit margin, %									11.33	15.13					13.23	15.56
Чистая рентаб, %				6.74	8.79	13.17	8.04	8.58	8.61	11.43	8.36	7.84	10.3	59.51	9.31	3.65
Operation Margin, %	2.3	11.98	7.1	21.97	7.98	9.39	6.3	20.37	7.68	11.67				13.65	11.08	4.44

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	44.72	39.74	44.31	52.04	30.51	42.88		42.88	29.43	41.90	1.53
P/BV	8.29	8.31	8.04	6.99	4.97	6.74		6.74	3.11	7.01	-4.10
P/S	4.6	4.15	5.34	4.1	2.94	3.78		3.78	12.16	4.06	-1.85
P/FCF					31.38	30.71	30.71	30.71	5.80	30.93	-0.72
E/P					0.0254	0.0282	0.0282	0.0282	0.10	0.0273	3.55
EV/EBIT		27.84	31.6	38.49		32.09	32.09	32.09		32.42	2.88
EV/S		4.19	5.23	4.1	3.69	3.04	3.04	3.04	8.38	3.82	-10.28
EV/FCF		15.3	37.73	90.29		29.87	29.87	29.87	-6.20	40.61	14.32
Debt/EBITDA					0.0554	0.0768	0.0768	0.0768	1.02	0.0697	11.50
Netdebt/Ebitda					0.0263	-0.0775	-0.0775	-0.0775	0.86	-0.0429	-243.37
Debt/Ratio					0.0022	0.0026	0.0026	0.0026	0.24	0.0025	5.73
Debt/Equity					0.2857	0.0136	0.2953	0.2953	239.18	0.1982	1.11
Debt/Net Income					0.0694	0.0868	0.0868	0.0868	12.31	0.0810	7.74
Бета					0.426	2.55	1.17	1.17	1.82	1.38	40.04
Индекс Альтмана					6.4	-0.2239	-0.2239	-0.2239	1.07	1.98	-132.71

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	51.39	38.62	36.24	38	30.51	35.5	36.78	38.07	42.81	41.37		29.43	38.91	3.11
P/BV	6.99	5.75	5.51	5.81	4.97	5.49	5.43	5.99	6.74	6.9		3.11	6.11	4.68
P/S	4.02	3.38	3.36	3.49	2.94	3.4	3.39	3.52	3.85	3.88		12.16	3.61	2.68
Debt/Ratio									0.0026			0.24	0.0026	0.00
Debt/Equity									0.0136			239.18	0.0136	0.00
Debt/Net Income									0.3206			12.31	0.3206	0.00
Бета											1.17	1.82	1.17	0.00
Индекс Альтмана											-0.2239	1.07	-0.2239	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0.75	5	7	4	12	9.5	10.5	11.5	11.5		9.50	23.52
Див доход, ао, %	0.1051	0.6331	0.6241	0.2404	0.8065	1.16	1.09	0.8609	0.9034	1.40	0.8316	29.06
Дивиденды / прибыль, %									41.66	17.81

	2018Q4	2019Q2	2019Q4	2021Q1	2021Q3	2021Q4	2022Q3	2022Q4	2023Q2	2023Q4	Industry average	5 quarters average	CAGR 5
Дивиденд	2.5	3.5	3.5	4	4	4	5	4.5	5.5	5		4.80	4.56
Див доход, ао, %	0.3022	0.3156	0.2638	0.2708	0.2604	0.2723	0.4068	0.3815	0.4767	0.3582	1.40	0.3791	5.64

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	12865	12865	0.00

	CAGR 5

	CAGR 5