ICICI Lombard General Insurance Intrinsic Value
ICICIGI Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹678.00 | ₹542.40 - ₹813.60 | -65.5% | EPS: ₹56.50, Sector P/E: 12x |
| Book Value Method | asset | ₹393.24 | ₹353.92 - ₹432.56 | -80.0% | Book Value/Share: ₹292.04, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹589.86 | ₹530.87 - ₹648.85 | -70.0% | Revenue/Share: ₹515.75, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹786.48 | ₹707.83 - ₹865.13 | -60.0% | EBITDA: ₹3699.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹786.48 | ₹629.18 - ₹943.78 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹904.00 | ₹813.60 - ₹994.40 | -54.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹589.86 | ₹530.87 - ₹648.85 | -70.0% | Revenue Growth: 11.0%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹983.10 | ₹884.79 - ₹1081.41 | -50.0% | ROE: 19.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹589.86 | ₹530.87 - ₹648.85 | -70.0% | EPS: ₹56.50, BVPS: ₹292.04 |
Want to compare with current market value? Check ICICIGI share price latest .
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 ₹678.00 (median value). With the current market price of ₹1966.20, this represents a -65.5% variance from our estimated fair value.
The valuation range spans from ₹393.24 to ₹983.10, indicating ₹393.24 - ₹983.10.
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 65.5%.
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 |
| Debt to Equity Ratio | 1.03 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 19.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | -4.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.71x | 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 |