ICICI Lombard General Insurance Intrinsic Value
ICICI Lombard General Insurance (ICICIGI) median intrinsic value is ₹583.24 from 10 valuation models (range ₹333–₹729), vs current price ₹1458.10 — -60.0% downside (Trading Above Calculated Value), margin of safety -100.0%. See ICICI Lombard General Insuranc P/B ratio trends to compare market price against book value per share.
ICICIGI Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Lombard General Insurance intrinsic value across 10 models vs current price ₹1458.10 — 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 | ₹585.60 | ₹468.48 - ₹702.72 | -59.8% | EPS: ₹48.80, Sector P/E: 12x |
| Book Value Method | asset | ₹333.35 | ₹300.02 - ₹366.69 | -77.1% | Book Value/Share: ₹333.35, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹445.40 | ₹400.86 - ₹489.94 | -69.5% | Revenue/Share: ₹556.75, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹583.24 | ₹524.92 - ₹641.56 | -60.0% | EBITDA: ₹3201.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹713.74 | ₹570.99 - ₹856.49 | -51.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹437.43 | ₹393.69 - ₹481.17 | -70.0% | EPS Growth: 8.5%, Fair P/E: 6.8x |
| Growth Adjusted P/E | growth | ₹437.43 | ₹393.69 - ₹481.17 | -70.0% | Revenue Growth: 10.2%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹729.05 | ₹656.14 - ₹801.96 | -50.0% | ROE: 14.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹604.99 | ₹544.49 - ₹665.49 | -58.5% | EPS: ₹48.80, BVPS: ₹333.35 |
| Dividend Yield Method | dividend | ₹437.43 | ₹393.69 - ₹481.17 | -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–₹729 vs current market price ₹1458.10 across 10 valuation models. Check ICICIGI company valuation to track the company's total market size over time.
ICICIGI Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Lombard General Insurance median intrinsic value ₹583.24, current price ₹1458.10 — Trading Above Calculated Value by 60.0%, 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 ₹583.24 (median value). With the current market price of ₹1458.10, this represents a -60.0% variance from our estimated fair value.
The valuation range spans from ₹333.35 to ₹729.05, indicating ₹333.35 - ₹729.05.
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 60.0%.
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 | 14.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -7.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.73x | 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 |