ICICI Prudential Life Insurance Co. Ltd. (IN:ICICIPRULI)
:ICICIPRULI
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ICICI Prudential Life Insurance Co. Ltd.
(ICICIPRULI)
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Rating:55Neutral
Price Target:
₹526.00
▼(-21.40% Downside)
Action:ReiteratedDate:10/31/25
The overall stock score of 55 reflects a mixed financial performance with strong operational efficiency but challenges in revenue growth and cash flow. Technical indicators suggest a neutral trend with weak momentum. The high P/E ratio indicates potential overvaluation, and the low dividend yield offers limited income potential.
Positive Factors
High Operating Margins
Sustained high EBIT/EBITDA margins indicate operational efficiency and low relative operating costs. Over months, this supports reinvestment in distribution and technology, cushions underwriting volatility, and provides capacity to fund product development without immediate reliance on external capital.
Negative Factors
Declining Revenue
Sustained negative revenue growth erodes fee income and the scale benefits of AUM-dependent businesses like ULIPs. Over months, this reduces margin leverage, limits reinvestment capacity into distribution, and pressures long-term profitability if sales trends don't reverse.
Read all positive and negative factors
Positive Factors
Negative Factors
High Operating Margins
Sustained high EBIT/EBITDA margins indicate operational efficiency and low relative operating costs. Over months, this supports reinvestment in distribution and technology, cushions underwriting volatility, and provides capacity to fund product development without immediate reliance on external capital.
Read all positive factors
ICICI Prudential Life Insurance Co. Ltd. (ICICIPRULI) vs. iShares MSCI India ETF (INDA)
Market Cap
₹784.93B
Dividend Yield0.13%
Average Volume (3M)30.74K
Price to Earnings (P/E)61.9
Beta (1Y)1.07
Revenue Growth-42.13%
EPS Growth48.75%
CountryIN
Employees20,318
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)2.66
Shares Outstanding1,449,278,300
10 Day Avg. Volume26,372
30 Day Avg. Volume30,742
Financial Highlights & Ratios
PEG Ratio1.79
Price to Book (P/B)6.93
Price to Sales (P/S)1.18
P/FCF Ratio-8.55
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹742.50Price Target Upside10.95% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)11.03
Revenue Forecast (FY)₹814.15B
ICICI Prudential Life Insurance Co. Ltd. Business Overview & Revenue Model
Company Description
ICICI Prudential Life Insurance Company Limited provides life insurance, pension, and health insurance products to individuals and groups in India. The company also provides term life, health, savings, annuity, and retirement insurance products; a...
How the Company Makes Money
ICICI Prudential Life primarily makes money by underwriting and administering life insurance and savings/retirement policies and investing the funds associated with those policies.
Key revenue and earnings drivers typically include:
1) Premium in...
ICICI Prudential Life Insurance Co. Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
50
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 698.86B | 698.86B | 891.36B | 486.84B | 618.94B | 827.31B |
| Gross Profit | 650.09B | 650.18B | 854.06B | 468.20B | 602.21B | 812.31B |
| EBITDA | 20.56B | 16.11B | 11.56B | 10.97B | 9.76B | 11.93B |
| Net Income | 12.62B | 11.86B | 8.51B | 8.13B | 7.59B | 9.56B |
Balance Sheet | ||||||
| Total Assets | 3.28T | 3.14T | 2.99T | 2.56T | 2.44T | 2.17T |
| Cash, Cash Equivalents and Short-Term Investments | 3.45B | 125.67B | 8.38B | 7.71B | 18.08B | 7.41B |
| Total Debt | 26.00B | 26.00B | 12.00B | 12.00B | 12.00B | 12.00B |
| Total Liabilities | 3.15T | 3.02T | 2.88T | 2.46T | 2.35T | 2.08T |
| Stockholders Equity | 125.44B | 119.34B | 110.05B | 101.28B | 91.58B | 91.09B |
Cash Flow | ||||||
| Free Cash Flow | -87.75B | -96.72B | -75.52B | -1.03B | 16.42B | 72.29B |
| Operating Cash Flow | -85.44B | -94.13B | -73.15B | 894.94M | 18.31B | 73.14B |
| Investing Cash Flow | 66.01B | 68.75B | 74.20B | -11.47B | -8.16B | -50.84B |
| Financing Cash Flow | 13.61B | 14.22B | -878.50M | -1.12B | -3.19B | 12.05B |
ICICI Prudential Life Insurance Co. Ltd. Technical Analysis
Neutral
669.25
Price Trends
609.51
Negative
626.70
Negative
622.12
Negative
Market Momentum
-28.97
Positive
40.77
Neutral
51.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:ICICIPRULI, the sentiment is Neutral. The current price of 669.25 is above the 20-day moving average (MA) of 554.51, above the 50-day MA of 609.51, and above the 200-day MA of 622.12, indicating a bearish trend. The MACD of -28.97 indicates Positive momentum. The RSI at 40.77 is Neutral, neither overbought nor oversold. The STOCH value of 51.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:ICICIPRULI.
ICICI Prudential Life Insurance Co. Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹5.02T | 10.45 | ― | 1.40% | ― | ― | |
70 Outperform | ₹680.18B | 9.68 | ― | 2.69% | ― | ― | |
68 Neutral | ₹1.29T | 96.63 | ― | 0.28% | -17.31% | 11.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.91T | 88.47 | ― | 0.13% | ― | ― | |
59 Neutral | ₹548.09B | 390.61 | ― | ― | -16.19% | -53.19% | |
55 Neutral | ₹784.93B | 61.88 | ― | 0.13% | -42.13% | 48.75% |
* Financial Sector Average
IN:ICICIPRULI
ICICI Prudential Life Insurance Co. Ltd.
541.95
-10.42
-1.89%
IN:GICRE
General Insurance Corporation of India
388.45
1.82
0.47%
IN:HDFCLIFE
HDFC Life Insurance Co. Ltd.
591.00
-92.46
-13.53%
IN:LICI
Life Insurance Corp. of India
793.60
32.53
4.27%
IN:MFSL
Max Financial Services Limited
1,605.95
443.50
38.15%
IN:SBILIFE
SBI Life Insurance Co. Ltd.
1,903.60
424.11
28.67%
ICICI Prudential Life Insurance Co. Ltd. Corporate Events
ICICI Bank Confirms No Encumbrance on ICICI Prudential Life Shares in FY 2025-26
Apr 7, 2026
ICICI Bank has informed stock exchanges and the audit committee of ICICI Prudential Life Insurance that, together with persons acting in concert, it has not created any encumbrances on its shareholding in the life insurer during the 2025-26 financ...
ICICI Prudential Life Highlights SEBI Window for Legacy Physical Share Demat
Mar 31, 2026
ICICI Prudential Life Insurance Company has informed stock exchanges that it is publicising a special window opened by the Securities and Exchange Board of India to facilitate transfer and dematerialisation of physical securities sold or purchased...
ICICI Prudential Life Allots 41,918 Shares Under Employee Stock Schemes
Mar 24, 2026
ICICI Prudential Life Insurance has allotted 41,918 equity shares of ₹10 each under its employee incentive programmes, primarily through its 2005 Employee Stock Option Scheme and, to a lesser extent, its 2023 Employee Stock Unit Scheme. The ...
ICICI Prudential Life Allots 56,510 Shares Under Employee Stock Schemes
Mar 17, 2026
ICICI Prudential Life Insurance Company has allotted 56,510 equity shares with a face value of ₹10 each under its employee stock-based compensation plans. The allotment, approved by the Managing Director and CEO under delegated board authori...
ICICI Prudential Life to Meet Investors at Nomura India Corporate Day in Japan
Mar 11, 2026
ICICI Prudential Life Insurance has notified stock exchanges that it will participate in investor and analyst meetings organized as part of Nomura India Corporate Day in Japan on March 17, 2026. The company emphasized that the interactions, to be ...
ICICI Prudential Life to Brief Investors at Nomura India Corporate Day
Mar 11, 2026
ICICI Prudential Life Insurance has disclosed that it will meet investors and analysts at Nomura India Corporate Day in Japan on March 18, 2026, through an in-person group meeting scheduled for 5:30 a.m. IST. The company emphasized that the meetin...
ICICI Prudential Life Schedules Investor Meet at Jefferies Asia Forum
Mar 11, 2026
ICICI Prudential Life Insurance has announced a scheduled investor and analyst interaction at the Jefferies 7th Asia Forum in Hong Kong on March 19, 2026, to be held in person. The company emphasized that no unpublished price-sensitive information...
ICICI Prudential Life to Hold Hong Kong Investor Roadshow on March 20, 2026
Mar 11, 2026
ICICI Prudential Life Insurance Company Limited has disclosed that it will hold a non-deal roadshow with investors and analysts in Hong Kong on March 20, 2026, organized by HSBC Securities and Capital Markets (India) Private Limited. The company e...
ICICI Prudential Life Publishes 9M FY2026 Financial Results in Newspapers
Jan 15, 2026
ICICI Prudential Life Insurance Company Limited has notified the stock exchanges that it has published newspaper advertisements detailing its financial results for the quarter and nine months ended December 31, 2025, in Financial Express and Loksa...
ICICI Prudential Life Confirms All Securities in Demat Form, No Remat Requests in Q3 FY25
Jan 14, 2026
ICICI Prudential Life Insurance Company Limited has disclosed that, for the quarter ended December 31, 2025, all of its securities are held in dematerialised form and no requests for rematerialisation were received. Its registrar and transfer agen...
ICICI Prudential Life Sells Pension Fund Arm to ICICI Bank for ₹2.04 Billion
Jan 12, 2026
ICICI Prudential Life Insurance has completed the sale of its entire 100% equity stake in ICICI Prudential Pension Funds Management Company Limited to ICICI Bank for a cash consideration of ₹2.035 billion, following execution of a share purc...
ICICI Prudential Life Files December 2025 Performance Update with Exchanges
Jan 10, 2026
ICICI Prudential Life Insurance Company Limited has submitted its performance update for December 2025 to stock exchanges in compliance with regulatory disclosure requirements. The company has also made this performance update available on its web...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.