ICICI Lombard General Insurance Company Ltd.
ISIN: INE765G01017 • Market Cap: ₹80,724 Cr
The 5-Pillar Quality Audit for ICICI Lombard General Insurance Company Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (—), Return on Capital Employed (23.6%), and equity compounding (17.9%).
2. Financial Health & Solvency
Weight: 25%Debt-to-Equity is 0.00 with comfortable interest coverage and clean working capital.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (—) and 3Y PAT CAGR (17.0%).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 33.25 vs PEG of 3.14 and Dividend Yield of 0.8%.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at 51.2%, backed by 42.1% institutional ownership.
Key Fundamental Strengths
Superior Capital Efficiency (ROCE: 23.6%)
ICICI Lombard General Insurance Company Ltd. generates exceptional return on capital employed of 23.6%, reflecting pricing power and competitive moat.
Fortress Balance Sheet (D/E: 0.00)
The company operates virtually debt-free, shielding net margins from interest rate cycles and monetary tightening.
Deep Institutional Sponsorship (42.1%)
Mutual funds, domestic DIIs, and foreign FIIs hold 42.1%, providing strong governance scrutiny.
Areas to Watch & Potential Risks
Sectoral & Macro Headwinds (Financial Services)
Subject to broader cyclical demand, raw material price shifts, and regulatory frameworks governing the Financial Services space.
Quantitative Strategy Eligibility
Checking ICICIGI against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Fails 10%+ revenue growth or 15%+ minimum capital return benchmark over historical periods.
Quality Factor Screener (High RoIC + Low Debt)
Qualifies for Indian Quality Indices with overall score of 80/100 and clean gearing.
GARP / Value-Growth Blend
Valuation multiple or return metrics require further cyclical pullback.
Financial Services Sector Peer Comparison
Compare ICICIGI directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| ICICI Lombard General Insurance Company Ltd. (ICICIGI)Current | 80/100 | ₹80,724 Cr | 33.25 | 23.6% | 0.00 | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| ICICI Bank Ltd. (ICICIBANK) | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | 0.62 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
Frequently Asked Questions: ICICI Lombard General Insurance Company Ltd.
Q:What is the 5-Pillar Fundamental Score for ICICI Lombard General Insurance Company Ltd. (ICICIGI)?
ICICI Lombard General Insurance Company Ltd. has a RupeeTools Fundamental Score of 80/100, placing it in the 'Exceptional Quality' category. Its pillar scores are: Profitability (80/100), Financial Health (99/100), Growth (70/100), Valuation (55/100), and Ownership Quality (85/100).
Q:Is ICICIGI fundamentally strong for long-term investment?
Yes, ICICIGI exhibits solid fundamental strength with a 80/100 score, driven by a return on equity of 17.9% and a debt-to-equity ratio of 0.00.
Q:Does ICICIGI pass the Coffee Can Investing filter?
No. ICICIGI does not currently meet the strict 15% ROCE and 10% sustained topline compounding threshold mandated by the Coffee Can investing framework.
Q:How does ICICIGI compare against other Financial Services peers?
Within India's Financial Services sector, ICICIGI trades at a P/E of 33.25 and generates an ROCE of 23.6%. Compare its 5-Pillar score of 80/100 against top sector peers like HDFC Bank Ltd. (74/100), ICICI Bank Ltd. (76/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.