ICICI Prudential Life Insurance Intrinsic Value
ICICI Prudential Life Insurance (ICICIPRULI) median intrinsic value is ₹206.88 from 9 valuation models (range ₹105–₹1053), vs current price ₹526.70 — -60.7% downside (Trading Above Calculated Value), margin of safety -100.0%. Browse ICICIPRULI balance sheet details for revenue, profit, balance sheet and cash flow data.
ICICIPRULI Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Prudential Life Insurance intrinsic value across 9 models vs current price ₹526.70 — upside/downside and value range per method. Also explore ICICIPRULI price trends to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹206.88 | ₹165.50 - ₹248.26 | -60.7% | EPS: ₹17.24, Sector P/E: 12x |
| Book Value Method | asset | ₹105.34 | ₹94.81 - ₹115.87 | -80.0% | Book Value/Share: ₹94.07, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹446.45 | ₹401.81 - ₹491.10 | -15.2% | Revenue/Share: ₹558.07, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹1053.40 | ₹948.06 - ₹1158.74 | +100.0% | EBITDA: ₹65104.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹210.68 | ₹168.54 - ₹252.82 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹158.01 | ₹142.21 - ₹173.81 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹158.01 | ₹142.21 - ₹173.81 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹263.35 | ₹237.02 - ₹289.69 | -50.0% | ROE: 18.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹188.14 | ₹169.33 - ₹206.95 | -64.3% | EPS: ₹17.24, BVPS: ₹94.07 |
ICICIPRULI Intrinsic Value vs Market Price — All Valuation Models
ICICI Prudential Life Insurance fair value range ₹105–₹1053 vs current market price ₹526.70 across 9 valuation models. For current market price and key ratios, visit ICICI Prudential Life Insuranc share price chart.
ICICIPRULI Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Prudential Life Insurance median intrinsic value ₹206.88, current price ₹526.70 — Trading Above Calculated Value by 60.7%, margin of safety -100.0%.
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 ₹206.88 (median value). With the current market price of ₹526.70, this represents a -60.7% variance from our estimated fair value.
The valuation range spans from ₹105.34 to ₹1053.40, indicating ₹105.34 - ₹1053.40.
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 60.7%.
ICICIPRULI Financial Health — Key Ratios vs Industry Benchmarks
ICICI Prudential Life 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 | 0.03 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 18.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 79.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.25x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
ICICIPRULI Cash Flow Quality — Operating & Free Cash Flow
ICICI Prudential Life 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 | ₹-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 |