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ICICI Prudential Life Insurance Company Ltd logo

ICICI Prudential Life Insurance Company Ltd

NSE: ICICIPRULI BSE: 540133

598.50

(-0.52%)

Wed, 18 Mar 2026, 02:57 am

ICICI Prudential Life Insurance Company Analysis

dividend

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Pros

  • Dividends after 3 years are expected to be well covered by earnings (2.8x coverage).
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Cons

  • Unable to calculate sustainability of dividends as ICICI Prudential Life Insurance has not reported any payouts.
  • Unable to evaluate ICICI Prudential Life Insurance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate ICICI Prudential Life Insurance's dividend against the top 25% market benchmark as the company has not reported any payouts.

future

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Pros

  • ICICI Prudential Life Insurance's earnings growth is expected to exceed the low risk savings rate of 7.2%.
  • ICICI Prudential Life Insurance's earnings are expected to exceed the low risk growth rate next year.
  • ICICI Prudential Life Insurance's earnings are expected to increase by more than the low risk growth rate in 3 years time.
  • Performance (ROE) is expected to be above the current IN Insurance industry average.
  • An improvement in ICICI Prudential Life Insurance's performance (ROE) is expected over the next 3 years.
  • ICICI Prudential Life Insurance's revenue is expected to increase by more than 50% in 2 years time.
  • ICICI Prudential Life Insurance's revenue is expected to grow significantly at over 20% yearly.
  • ICICI Prudential Life Insurance's revenue growth is expected to exceed the India market average.
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Cons

  • ICICI Prudential Life Insurance's earnings are expected to grow by 18.1% yearly, however this is not considered high growth (20% yearly).
  • ICICI Prudential Life Insurance's earnings growth is positive but not above the India market average.
  • ICICI Prudential Life Insurance's net income is expected to increase but not above the 50% threshold in 2 years time.
  • ICICI Prudential Life Insurance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).

health

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Pros

  • ICICI Prudential Life Insurance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • ICICI Prudential Life Insurance is profitable, therefore cash runway is not a concern.
  • ICICI Prudential Life Insurance is profitable, therefore cash runway is not a concern.
  • ICICI Prudential Life Insurance has no debt, it does not need to be covered by operating cash flow.
  • ICICI Prudential Life Insurance has no debt, it does not need to be covered by short term assets.
  • ICICI Prudential Life Insurance has not taken on any debt in the past 5 years.
  • ICICI Prudential Life Insurance has no debt, therefore coverage of interest payments is not a concern.
  • ICICI Prudential Life Insurance has no debt.
  • Low level of unsold assets.
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Cons

  • ICICI Prudential Life Insurance's long term commitments exceed its cash and other short term assets.

management

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Pros

  • Narayanan's remuneration is lower than average for companies of similar size in India.
  • The tenure for the ICICI Prudential Life Insurance management team is about average.
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Cons

  • The average tenure for the ICICI Prudential Life Insurance board of directors is less than 3 years, this suggests a new board.
  • ICICI Prudential Life Insurance individual insiders have only sold shares in the past 3 months.

misc

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Pros

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    Cons

    • ICICI Prudential Life Insurance has significant price volatility in the past 3 months.

    past

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    Pros

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      Cons

      • ICICI Prudential Life Insurance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
      • ICICI Prudential Life Insurance's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
      • ICICI Prudential Life Insurance used its assets less efficiently than the IN Insurance industry average last year based on Return on Assets.
      • ICICI Prudential Life Insurance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
      • ICICI Prudential Life Insurance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • ICICI Prudential Life Insurance's 1-year earnings growth is negative, it can't be compared to the IN Insurance industry average.

      value

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      Pros

      • ICICIPRULI outperformed the Insurance industry which returned -7.3% over the past year.
      • ICICIPRULI outperformed the Market in India which returned -14.5% over the past year.
      • NSEI:ICICIPRULI is up 2.8% along with the Insurance industry (3.6%) over the past month.
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      Cons

      • ICICI Prudential Life Insurance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • ICICI Prudential Life Insurance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • ICICI Prudential Life Insurance is overvalued based on assets compared to the IN Insurance industry average.
      • ICICI Prudential Life Insurance is poor value based on expected growth next year.
      • ICICI Prudential Life Insurance is overvalued based on earnings compared to the IN Insurance industry average.
      • ICICI Prudential Life Insurance is overvalued based on earnings compared to the India market.
      • NSEI:ICICIPRULI is up 2.8% underperforming the market in India which returned 8% over the past month.

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