ICICI Prudential Life Insurance Intrinsic Value
ICICIPRULI • Insurance
Current Stock Price
₹516.65
Primary Intrinsic Value
₹154.99
Market Cap
₹746.6K Cr
-70.0%
Downside
Median Value
₹154.99
Value Range
₹103 - ₹271
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
ICICIPRULI Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹154.99 | ₹123.99 - ₹185.99 | -70.0% | EPS: ₹8.20, Sector P/E: 12x |
| Book Value Method | asset | ₹103.33 | ₹93.00 - ₹113.66 | -80.0% | Book Value/Share: ₹82.59, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹271.32 | ₹244.19 - ₹298.45 | -47.5% | Revenue/Share: ₹339.16, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹206.66 | ₹185.99 - ₹227.33 | -60.0% | EBITDA: ₹1184.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹206.66 | ₹165.33 - ₹247.99 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹154.99 | ₹139.49 - ₹170.49 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹154.99 | ₹139.49 - ₹170.49 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹258.32 | ₹232.49 - ₹284.15 | -50.0% | ROE: 9.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹154.99 | ₹139.49 - ₹170.49 | -70.0% | EPS: ₹8.20, BVPS: ₹82.59 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
ICICIPRULI Intrinsic Value Analysis
What is the intrinsic value of ICICIPRULI?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of ICICI Prudential Life Insurance (ICICIPRULI) is ₹154.99 (median value). With the current market price of ₹516.65, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹103.33 to ₹271.32, indicating ₹103.33 - ₹271.32.
Is ICICIPRULI undervalued or overvalued?
Based on our multi-method analysis, ICICI Prudential Life Insurance (ICICIPRULI) appears to be trading above calculated value by approximately 70.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -1.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for ICICI Prudential Life Insurance
Additional stock information and data for ICICIPRULI
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-9,413 Cr | ₹-9,413 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-7,315 Cr | ₹-7,315 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹90 Cr | ₹-483 Cr | Positive Operating Cash Flow | 6/10 |
| March 2022 | ₹1,831 Cr | ₹1,423 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹7,314 Cr | ₹4,772 Cr | Positive Free Cash Flow | 8/10 |