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ICICI Prudential Life Insurance Company Limited
Fundamental Score
ICICI Prudential Life Insurance Company Limited Share Price & Market Analysis
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of ICICIPRULI across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Robust Profit Growth (34.17%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Consistent Growth Track Record (27.48% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Conservative Debt Levels (D/E: 0.21)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Balanced Promoter Holding (72.96%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Margin Pressure Concerns (-1.14%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 68.37x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Weak Earnings Growth (2.00% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (2.13% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Negative Free Cash Flow (₹-8308.62 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
📊 Educational Market Overview
Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.
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Financial Statements
Comprehensive financial data for ICICI Prudential Life Insurance Company Limited
About ICICIPRULI
Company Details
Market Information
Performance
ICICIPRULI Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of ICICIPRULI?
ICICIPRULI is currently trading at ₹593.60 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of ICICIPRULI shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.
What is the P/E ratio of ICICIPRULI and what does it mean?
ICICIPRULI has a P/E ratio of 68.37x compared to the industry average of 73.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹68 for every ₹1 of annual earnings. This is lower than the industry average, which might indicate undervaluation or slower growth expectations.
How is ICICIPRULI performing according to Bull Run's analysis?
ICICIPRULI has a Bull Run fundamental score of 42.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: 10.34%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.
What sector and industry does ICICIPRULI belong to?
ICICIPRULI operates in the Insurance industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting ICICI Prudential Life Insurance Company Limited. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.
What is Return on Equity (ROE) and why is it important for ICICIPRULI?
ICICIPRULI has an ROE of 10.34%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently ICICI Prudential Life Insurance Company Limited generates profits from shareholders' equity. An ROE of 10% means the company generates ₹10 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.
How is ICICIPRULI's debt-to-equity ratio and what does it indicate?
ICICIPRULI has a debt-to-equity ratio of 0.21, which indicates conservative financing with low financial risk. This means the company has ₹21 of debt for every ₹100 of equity. This conservative approach provides financial stability but may limit growth potential.
What is ICICIPRULI's dividend yield and is it a good dividend stock?
ICICIPRULI offers a dividend yield of 0.14%, which means you receive ₹0.14 annual dividend for every ₹100 invested. The focus appears to be more on growth rather than dividend income. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.
How has ICICIPRULI grown over the past 5 years?
ICICIPRULI has achieved 5-year growth rates of: Sales Growth 27.48%, Profit Growth 2.13%, and EPS Growth 2.00%. These growth metrics show the company's ability to expand its business and improve profitability over time. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.
What is the promoter holding in ICICIPRULI and why does it matter?
Promoters hold 72.96% of ICICIPRULI shares, with 0.00% of promoter shares pledged. This high promoter holding indicates strong management confidence and alignment with shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: -0.04%.
How does ICICIPRULI compare with its industry peers?
ICICIPRULI trades at P/E 68.37x vs industry average 73.20x, with ROE of 10.34% and ROCE of 11.83%. The stock appears undervalued relative to peers based on P/E ratio. Peer comparison helps identify whether ICICIPRULI is outperforming its competitive set in profitability, growth, and valuation metrics.
What is ICICIPRULI's market capitalization and what category does it fall into?
ICICIPRULI has a market capitalization of ₹86298 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.
What are the key financial ratios to consider for ICICIPRULI?
Key ratios for ICICIPRULI: ROE 10.34% (Good), ROCE 11.83%, P/E 68.37x, Debt-to-Equity 0.21, Interest Coverage N/Ax. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.
How volatile is ICICIPRULI stock and what is its beta?
ICICIPRULI has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.
What is the 52-week high and low for ICICIPRULI?
ICICIPRULI has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹593.60, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.
What are the key risks associated with investing in ICICIPRULI?
Key risks for ICICIPRULI include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 0.21), and operational challenges. The stock has a Fundamental Score of 42.9/100, indicating higher risk requiring thorough due diligence. Sector-specific risks in Insurance include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.
What is ICICIPRULI's operating profit margin and how has it trended?
ICICIPRULI has a 5-year average Operating Profit Margin (OPM) of -1.14%, which suggests room for improvement in operational efficiency. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. Monitor margin trends to assess management's ability to control costs and improve efficiency. Compare with industry peers to understand relative performance.
How is ICICIPRULI's quarterly performance in terms of sales and profit growth?
ICICIPRULI's recent quarterly performance shows YoY Sales Growth of 0.02% and YoY Profit Growth of 34.17%. Growth rates indicate the current business trajectory and market demand. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.
What is the FII and DII holding pattern in ICICIPRULI?
ICICIPRULI has FII holding of 13.12% and DII holding of 8.86%, totaling 21.98% institutional ownership. This institutional participation level shows the confidence of professional money managers. Significant FII holding suggests global investor confidence and potential for index inclusion. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.