ICICI Lombard General Insurance Intrinsic Value
ICICI Lombard General Insurance intrinsic value. ICICI Lombard General Insurance (ICICIGI) median intrinsic value is ₹614.40 from 10 valuation models (range ₹333–₹817), vs current price ₹1633.00 — -62.4% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit ICICI Lombard General Insuranc share price today.
ICICIGI Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Lombard General Insurance intrinsic value across 10 models vs current price ₹1633.00 — upside/downside and value range per method. Compare with ICICIGI fair value to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹614.40 | ₹491.52 - ₹737.28 | -62.4% | EPS: ₹51.20, Sector P/E: 12x |
| Book Value Method | asset | ₹333.35 | ₹300.02 - ₹366.69 | -79.6% | Book Value/Share: ₹333.35, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹489.90 | ₹440.91 - ₹538.89 | -70.0% | Revenue/Share: ₹583.79, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹653.20 | ₹587.88 - ₹718.52 | -60.0% | EBITDA: ₹3371.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹713.74 | ₹570.99 - ₹856.49 | -56.3% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹489.90 | ₹440.91 - ₹538.89 | -70.0% | EPS Growth: 9.8%, Fair P/E: 7.8x |
| Growth Adjusted P/E | growth | ₹489.90 | ₹440.91 - ₹538.89 | -70.0% | Revenue Growth: 11.5%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹816.50 | ₹734.85 - ₹898.15 | -50.0% | ROE: 15.4%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹619.69 | ₹557.72 - ₹681.66 | -62.1% | EPS: ₹51.20, BVPS: ₹333.35 |
| Dividend Yield Method | dividend | ₹489.90 | ₹440.91 - ₹538.89 | -70.0% | DPS: ₹13.50, Target Yield: 3.5% |
ICICIGI Intrinsic Value vs Market Price — All Valuation Models
ICICI Lombard General Insurance fair value range ₹333–₹817 vs current market price ₹1633.00 across 10 valuation models. Read ICICIGI dividend growth for the complete payout history and dividend yield track record.
ICICIGI Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Lombard General Insurance median intrinsic value ₹614.40, current price ₹1633.00 — Trading Above Calculated Value by 62.4%, margin of safety -100.0%.
What is the intrinsic value of ICICIGI?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of ICICI Lombard General Insurance (ICICIGI) is ₹614.40 (median value). With the current market price of ₹1633.00, this represents a -62.4% variance from our estimated fair value.
The valuation range spans from ₹333.35 to ₹816.50, indicating ₹333.35 - ₹816.50.
Is ICICIGI undervalued or overvalued?
Based on our multi-method analysis, ICICI Lombard General Insurance (ICICIGI) appears to be trading above calculated value by approximately 62.4%.
ICICIGI Financial Health — Key Ratios vs Industry Benchmarks
ICICI Lombard General Insurance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 15.4% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | -7.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.81x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
ICICIGI Cash Flow Quality — Operating & Free Cash Flow
ICICI Lombard General Insurance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹2,622 Cr | ₹1,756 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹1,147 Cr | ₹579 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹2,407 Cr | ₹1,447 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹2,290 Cr | ₹1,448 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹809 Cr | ₹809 Cr | Positive Free Cash Flow | 8/10 |