ICICI Lombard General Insurance Intrinsic Value
ICICI Lombard General Insurance (ICICIGI) median intrinsic value is ₹668.88 from 8 valuation models (range ₹370–₹925), vs current price ₹1850.60 — -63.9% downside (Trading Above Calculated Value), margin of safety -100.0%. Browse ICICIGI complete financial statements for revenue, profit, balance sheet and cash flow data.
ICICIGI Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Lombard General Insurance intrinsic value across 8 models vs current price ₹1850.60 — upside/downside and value range per method. For current market price and key ratios, visit ICICI Lombard General Insuranc share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹668.88 | ₹535.10 - ₹802.66 | -63.9% | EPS: ₹55.74, Sector P/E: 12x |
| Book Value Method | asset | ₹370.12 | ₹333.11 - ₹407.13 | -80.0% | Book Value/Share: ₹333.33, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹555.18 | ₹499.66 - ₹610.70 | -70.0% | Revenue/Share: ₹446.17, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹740.24 | ₹592.19 - ₹888.29 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹891.84 | ₹802.66 - ₹981.02 | -51.8% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹555.18 | ₹499.66 - ₹610.70 | -70.0% | Revenue Growth: 7.2%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹925.30 | ₹832.77 - ₹1017.83 | -50.0% | ROE: 16.7%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹646.56 | ₹581.90 - ₹711.22 | -65.1% | EPS: ₹55.74, BVPS: ₹333.33 |
ICICIGI Intrinsic Value vs Market Price — All Valuation Models
ICICI Lombard General Insurance fair value range ₹370–₹925 vs current market price ₹1850.60 across 8 valuation models. Also explore ICICIGI price movement history to track price trends across different timeframes.
ICICIGI Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Lombard General Insurance median intrinsic value ₹668.88, current price ₹1850.60 — Trading Above Calculated Value by 63.9%, margin of safety -100.0%.
What is the intrinsic value of ICICIGI?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of ICICI Lombard General Insurance (ICICIGI) is ₹668.88 (median value). With the current market price of ₹1850.60, this represents a -63.9% variance from our estimated fair value.
The valuation range spans from ₹370.12 to ₹925.30, indicating ₹370.12 - ₹925.30.
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 63.9%.
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 |
|---|---|---|---|---|
| Current Ratio | -29.77 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.7% | 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 | 0.29x | Industry Standard: 1.0x+ | Below 0.5x | 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 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 |