ICICI Prudential Life Insurance Company Limited
Fundamental Score
ICICI Prudential Life Insurance Company Limited Share Price Live NSE/BSE
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
4 factors identified
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: 0.20)
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 (72.93%)
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
8 factors identified
Margin Pressure Concerns (-1.13%)
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: 68.90x)
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.
Revenue Contraction (-52.56%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Weak Earnings Growth (2.17% 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 (2.31% 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.
Financial Statements
Comprehensive financial data for ICICI Prudential Life Insurance Company Limited
About ICICIPRULI
Business Overview
ICICI Prudential Life Insurance Company Limited provides life insurance, annuity, pension, and health insurance products to individuals and groups in India. The company offers term, savings, unit linked, guaranteed return, child education, and retirement insurance plans; and pension fund management services. It distributes its products through individual and corporate agents, banks, and brokers, as well as through its sales force and website. The company was incorporated in 2000 and is based in Mumbai, India. ICICI Prudential Life Insurance Company Limited is a subsidiary of ICICI Bank Limited.
Company Details
Key Leadership
Corporate Events
Latest News
ICICIPRULI Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of ICICI Prudential Life Insurance Company Limited (ICICIPRULI)?
As of 29 Jan 2026, 10:32 am IST, ICICI Prudential Life Insurance Company Limited (ICICIPRULI) is currently trading at ₹625.30. The stock has a market capitalization of ₹90.05K (Cr).
Is ICICIPRULI share price Overvalued or Undervalued?
ICICIPRULI is currently trading at a P/E ratio of 68.90x, compared to the industry average of 83.91x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the ICICI Prudential Life Insurance Company Limited share price?
Key factors influencing ICICIPRULI's price include its quarterly earnings growth (Sales Growth: -52.56%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is ICICI Prudential Life Insurance Company Limited a good stock for long-term investment?
ICICI Prudential Life Insurance Company Limited shows a 5-year Profit Growth of 2.31% and an ROE of 10.43%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.20 before investing.
How does ICICI Prudential Life Insurance Company Limited compare with its industry peers?
ICICI Prudential Life Insurance Company Limited competes with major peers in the Life Insurance. Investors should compare ICICIPRULI's P/E of 68.90x and ROE of 10.43% against the industry averages to determine its competitive standing.
What is the P/E ratio of ICICIPRULI and what does it mean?
ICICIPRULI has a P/E ratio of 68.90x compared to the industry average of 83.91x. 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 ₹69 for every ₹1 of annual earnings.
How is ICICIPRULI performing according to Bull Run's analysis?
ICICIPRULI has a Bull Run fundamental score of 39.8/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does ICICIPRULI belong to?
ICICIPRULI operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting ICICI Prudential Life Insurance Company Limited.
What is Return on Equity (ROE) and why is it important for ICICIPRULI?
ICICIPRULI has an ROE of 10.43%, 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.
How is ICICIPRULI's debt-to-equity ratio and what does it indicate?
ICICIPRULI has a debt-to-equity ratio of 0.20, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
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.
How has ICICIPRULI grown over the past 5 years?
ICICIPRULI has achieved 5-year growth rates of: Sales Growth 27.48%, Profit Growth 2.31%, and EPS Growth 2.17%.
What is the promoter holding in ICICIPRULI and why does it matter?
Promoters hold 72.93% of ICICIPRULI shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is ICICIPRULI's market capitalization category?
ICICIPRULI has a market capitalization of ₹90054 crores, placing it in the Large-cap category.
How volatile is ICICIPRULI stock?
ICICIPRULI has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for ICICIPRULI?
ICICIPRULI has a 52-week high of ₹N/A and low of ₹N/A.
What is ICICIPRULI's operating profit margin trend?
ICICIPRULI has a 5-year average Operating Profit Margin (OPM) of -1.13%, indicating the company's operational efficiency.
How is ICICIPRULI's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -52.56% and YoY Profit Growth of 17.87%.
What is the institutional holding pattern in ICICIPRULI?
ICICIPRULI has FII holding of 13.15% and DII holding of 8.65%. Significant institutional holding often suggests professional confidence in the stock.