ALFA Finder| Revenue growth | 7.5% GDPI growth in Q1 FY2027. |
|---|---|
| Margins | CoR deteriorated to 107.2% from 102.9% YoY. |
| Demand visibility | Strong retail vehicle sales and healthy bank credit growth. |
| Management confidence | High; citing market leadership and prudent reserving despite headwinds. |
Growth
GDPI grew 7.5% YoY; PAT de-grew 46.0% to ₹4.03 billion due to large fire losses and Motor TP provisioning.
Outlook
Management expects Motor TP price hikes; focus on SME segment and digital adoption via IL TakeCare app.
Risks
Regulatory risks from Supreme Court judgements impacting Motor TP; intense competitive pricing in fire insurance segments.
Last quarter's promises, checked
Delivered
- Guided Motor loss ratio 65%-67% → delivered 66.3% (= BEAT)
- Guided Retail Health indemnity loss ratio 65%-70% → delivered 64.6% (= BEAT)
- Guided dividend payout ~25% of PAT → delivered ₹13.50/share (~25%) (= BEAT)
Partly delivered
- Guided positive H2 growth momentum into Q1 → delivered 7.5% GDPI growth (slowdown from 18.2% in Q4) (= PARTIAL)
Missed
- Guided industry-leading CoR → delivered 107.2% in Q1FY27 vs 102.9% YoY (= MISS)
Earnings Call filed with NSE, NSE: ICICIGI. Summary written with AI assistance from the document.
ICICI Lombard General Insurance Company Ltd: key numbers
- Share price
- ₹1,707.60
- Market cap
- ₹85,336 Cr
- Revenue (annual)
- ₹26,994 Cr
- Net profit (annual)
- ₹2,772 Cr
- P/E (TTM)
- 33.4×Sector 20.8×
- Promoter holding
- 51.28%+0.06% QoQ
- FII holding
- 18.34%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from ICICI Lombard General Insurance Company Ltd
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ICICI Lombard General Insurance Company Employee Stock Options
ICICI Lombard allotted 3,956 equity shares on 3 November 2026 under two employee schemes. A Whole-time Director approved the allotment under delegated authority.
ICICI Lombard General Insurance Company Acquisition Worth ₹172 Cr
ICICI Lombard disclosed that it acquired Rs.172 Crore of State Bank of India shares on October 28, 2026, in its ordinary-course investment function. Its cumulative holding in SBI is now 0.02%.
- Value
- ₹172.0 Cr
- Execution
- Investment made in multiple tranches over a period of time
ICICI Lombard General Insurance Company Employee Stock Options
ICICI Lombard allotted 84,705 equity shares under its employee stock option and stock unit schemes on 26 October 2026. Shares rank pari-passu with existing equity.
ICICI Lombard General Insurance Company Other Announcement
ICICI Lombard issued a TDS communication for the interim dividend of ₹7.0 per share declared on October 14, 2026. Shareholders must complete the required tax documentation.
ICICI Lombard General Insurance Company Dividend
ICICI Lombard's board declared an interim dividend of ₹7 per equity share, payable by November 12, 2026. The record date is set for October 23, 2026.