ICICI Lombard General Insurance Intrinsic Value
ICICIGI • Insurance
Current Stock Price
₹1726.60
Primary Intrinsic Value
₹661.20
Market Cap
₹856.4K Cr
-61.7%
Downside
Median Value
₹661.20
Value Range
₹345 - ₹882
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
ICICIGI Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹661.20 | ₹528.96 - ₹793.44 | -61.7% | EPS: ₹55.10, Sector P/E: 12x |
| Book Value Method | asset | ₹345.32 | ₹310.79 - ₹379.85 | -80.0% | Book Value/Share: ₹292.04, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹517.98 | ₹466.18 - ₹569.78 | -70.0% | Revenue/Share: ₹531.09, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹690.64 | ₹621.58 - ₹759.70 | -60.0% | EBITDA: ₹3609.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹690.64 | ₹552.51 - ₹828.77 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹881.60 | ₹793.44 - ₹969.76 | -48.9% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹517.98 | ₹466.18 - ₹569.78 | -70.0% | Revenue Growth: 11.8%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹863.30 | ₹776.97 - ₹949.63 | -50.0% | ROE: 18.9%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹584.07 | ₹525.66 - ₹642.48 | -66.2% | EPS: ₹55.10, BVPS: ₹292.04 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
ICICIGI Intrinsic Value Analysis
What is the intrinsic value of ICICIGI?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of ICICI Lombard General Insurance (ICICIGI) is ₹661.20 (median value). With the current market price of ₹1726.60, this represents a -61.7% variance from our estimated fair value.
The valuation range spans from ₹345.32 to ₹881.60, indicating ₹345.32 - ₹881.60.
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 61.7%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 29.14 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 18.9% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | -5.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.76x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
Related Pages for ICICI Lombard General Insurance
Additional stock information and data for ICICIGI
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹1,774 Cr | ₹1,091 Cr | Positive Free Cash Flow | 8/10 |