Is ICICI Lombard General Insurance stock a buy right now?
ICICI Lombard General Insurance Company Limited stands as the largest private sector general insurer in India, reflecting the sector’s growing relevance in a rapidly expanding economy. As of May 2025, its share price hovers around ₹1,852.30 with a robust average daily trading volume of approximately 764,000 shares—evidence of sustained investor interest and liquidity. Recent quarterly results highlight revenue growth (+12.75% YoY for Q4 FY2025), and full-year profits rose by more than 30%, underlining operational strength despite a marginal quarterly dip. The stock’s technical indicators present a constructive outlook, with price trends generally above key moving averages and a neutral to bullish momentum. Market sentiment remains positive, reinforced by steady progress in digital transformation, a broadened distribution network, and increased health insurance awareness across India. In a sector benefitting from low insurance penetration and pro-growth regulations, ICICI Lombard’s diversified portfolio and strong parentage offer notable stability. The current consensus among more than 30 leading national and international banks places the target price at ₹2,408, suggesting significant potential upside. For retail investors seeking exposure to India’s evolving insurance landscape, ICICI Lombard deserves considered attention amidst manageable industry competition and regulatory shifts.
- Market leader with 9.4% share and strong positions across key insurance segments.
- Consistent revenue and net profit growth, with FY2025 profits up over 30% YoY.
- Robust multi-channel distribution strategy expanding reach across India.
- Ongoing digital transformation and innovation in InsurTech solutions.
- Debt-free with a solid solvency ratio, backed by ICICI Bank’s stable promoter holding.
- Competitive pressures are intensifying from new and established insurers.
- Future regulatory changes may moderately affect operational flexibility.
- What is ICICI Lombard General Insurance?
- How much is ICICI Lombard General Insurance stock?
- Our full analysis on ICICI Lombard General Insurance </b>stock
- How to buy ICICI Lombard General Insurance stock in India?
- Our 7 tips for buying ICICI Lombard General Insurance stock
- The latest news about ICICI Lombard General Insurance
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been monitoring the performance of ICICI Lombard General Insurance for more than three years. Every month, hundreds of thousands of users in India rely on us to interpret market trends and highlight the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical charter, we have never been, and will never be, paid by ICICI Lombard General Insurance.
What is ICICI Lombard General Insurance?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Indian | Leading private sector general insurer, headquartered in Mumbai, India. |
| 💼 Market | NSE/BSE | Listed on National Stock Exchange and Bombay Stock Exchange, offering high liquidity. |
| 🏛️ ISIN code | INE765G01017 | Unique stock identifier aids tracking and investing for global and domestic traders. |
| 👤 CEO | Sanjeev Mantri | Experienced leader, recently appointed to focus on growth and digital transformation. |
| 🏢 Market cap | ₹91,840 crores (~$11 billion) | Large-cap status provides stability but may limit explosive short-term growth. |
| 📈 Revenue | ₹23,960.92 crores (FY2025) | Robust YoY revenue growth of nearly 17% highlights business expansion opportunities. |
| 💹 EBITDA | Not separately disclosed; strong margins | Core profitability remains high, driven by underwriting improvements and expense controls. |
| 📊 P/E Ratio (Price/Earnings) | 36.61 | High valuation reflecting market optimism, but watch for earnings consistency and growth. |
How much is ICICI Lombard General Insurance stock?
The price of ICICI Lombard General Insurance stock is declining this week. As of now, the share is trading at ₹1,852.30, marking a 24-hour decrease of ₹15.60 (-0.84%) and a slightly negative weekly change of -0.10%. The company’s market capitalization stands at ₹91,840 crores, with an average 3-month daily volume of approximately 764,203 shares.
| Metric | Value |
|---|---|
| Current share price | ₹1,852.30 |
| 24-hour change | -₹15.60 (-0.84%) |
| Weekly change | -0.10% |
| Market capitalization | ₹91,840 crores |
| Average 3-month daily volume | 764,203 shares |
| P/E ratio | 36.61 |
| Dividend yield | 0.68% |
| Beta | 0.80 |
The stock is valued at a P/E ratio of 36.61, offering a modest dividend yield of 0.68%, and has a beta of 0.80, reflecting lower volatility compared to the broader market.
Investors should note the stock’s stability amid sector movements, making it appealing for those seeking steadier performance in the Indian insurance space.
Check out the best brokers in India!Compare brokersOur full analysis on ICICI Lombard General Insurance stock
After a comprehensive review of ICICI Lombard General Insurance’s latest financial results and an assessment of the stock’s trajectory over the past three years, we have synthesized data from financial statements, technical indicators, and market analytics, drawing from both industry and proprietary algorithmic insights. The convergence of strong fundamentals, technical momentum, and sectoral tailwinds offers a compelling context for this non-life insurance leader. So, why might ICICI Lombard General Insurance stock once again become a strategic entry point into the Indian insurance and tech-driven financial sector in 2025?
Recent performance and market context
Over the last twelve months, ICICI Lombard General Insurance (NSE: ICICIGI) has displayed notable resilience, closing at ₹1,852.30 as of May 5, 2025, marking a solid 10.69% gain year-over-year. This climb comes amid minor short-term corrections—down just 0.99% over the previous six months and nearly flat over the past week—indicating a healthy cooling after periods of strong advancement. Importantly, the current price stands comfortably above its 52-week low of ₹1,480.50, and recent trading has been concentrated within a consolidation zone, well-supported by underlying operational progress.
Key positive highlights in recent months include the company’s robust FY2025 results: total revenues surged 16.95% to ₹23,960.92 crores, and net profits leapt an impressive 30.73% to ₹2,508.29 crores. This profitability uptick arrives alongside improved underwriting performance, as evidenced by a better combined ratio, and a 30% year-over-year rise in EPS to ₹50.74.
The broader macroeconomic environment remains distinctly favorable. India’s insurance sector is enjoying tailwinds from post-pandemic health awareness, a rising middle class, and supportive regulatory initiatives that foster inclusion. The non-life segment, still underpenetrated at just around 1% of GDP, stands poised for multi-year expansion. ICICI Lombard, with a commanding 9.4% private sector market share, is well-positioned to capitalize as general insurance coverage and premium pools expand.
Technical analysis
Technically, ICICI Lombard General Insurance is demonstrating signs of renewed momentum, with price action signaling medium-term bullishness. The share currently trades above its 20-day, 50-day, and 100-day moving averages (₹1,827.40, ₹1,764.80, and ₹1,815.30, respectively), underscoring ongoing buying interest. Although the stock is yet to reclaim its 200-day moving average (₹1,915.90), its proximity to this important resistance suggests bullish attempts are underway and may soon gain traction.
Momentum oscillators support this constructive view. The 14-day RSI stands at 55.9, suggesting neutral-to-positive sentiment without entering overbought territory. Meanwhile, the MACD remains decisively bullish—reading at 26.8, above its signal line of 25.2—while the Stochastic RSI at 80.4 highlights investor enthusiasm, albeit near overbought levels.
Support has proven reliable around ₹1,797–₹1,836—key accumulation zones frequently defended in recent pullbacks. Resistance bands loom at ₹1,874, ₹1,897, and ultimately ₹1,913; a break above these could trigger new buying waves and confirm medium-term uptrend resumption. With the stock aligning with bullish signals on most oscillators and staying above several crucial averages, the technical structure points to a scenario where dips may represent attractive accumulation opportunities, especially ahead of any sector-wide or company-specific catalysts.
Fundamental analysis
Delving into its core financials, ICICI Lombard’s topline and bottom-line expansion is firmly grounded in operational excellence and visionary strategy. FY2025 revenue growth of nearly 17% reflects accelerated premium mobilization, while a 30% surge in net profit—reaching a record ₹2,508.29 crores—underscores robust cost management, underwriting efficiency, and astute investment returns.
Valuation, while rich on a trailing P/E basis at 36.61, appears justified given superior return metrics, EPS momentum, and leadership in high-potential market segments. Peer comparisons reveal ICICI Lombard’s premium for quality: lower volatility (Beta: 0.80), consistent earnings delivery, and a fortified balance sheet (debt-free with ample solvency). The current analyst consensus assigns a target price of ₹2,408—about 30% above market—pointing to perceived upside driven by growth and market share gains.
Key competitive strengths anchor this bullish outlook:
- Market leading position: Largest private sector general insurer with 9.4% market share.
- Segmental dominance: Strong footholds in fire, engineering, marine cargo, and liability insurance, with segment shares at 13-21%.
- Digital transformation: Ongoing advancements in InsurTech, automation, and customer interfaces fortify long-term efficiency and engagement.
- Diversified portfolio: Balanced exposure to motor, health, SME, and corporate lines mitigates cyclicality risks.
The brand’s backing by ICICI Bank (51.55% ownership), coupled with a growing institutional and FII base, further buttresses confidence in long-term execution.
Volume and liquidity
Liquidity trends bolster the investment narrative, with a robust three-month average daily volume of approximately 764,203 shares. This consistently high turnover signifies deep market participation and instills confidence in both retail and institutional spheres. A monthly delivery percentage of 60.72% reflects a healthy mix of trading and genuine long-term accumulation, supporting dynamic pricing mechanisms and lessening the risk of illiquidity-driven volatility.
Significantly, the float remains well-distributed, with a large promoter stake ensuring alignment with shareholder interests, while FII and DII involvement reflects global and domestic institutional confidence in ICICI Lombard’s prospects. Such a capital profile creates an enabling backdrop for favorable reevaluation, especially in the run-up to anticipated company or sector catalysts.
Catalysts and positive outlook
Looking ahead, ICICI Lombard’s path seems paved with potent growth drivers:
- Distribution expansion: Aggressive scaling of bancassurance, agency networks, and digital channels broadens reach and franchise value, especially in under-insured urban and rural markets.
- Product innovation: Fresh retail health offerings and tailored SME insurance products target growing consumer segments and tap into the digital economy’s evolving risk landscape.
- Technological investments: Ongoing implementation of AI- and data-driven underwriting, mobile-first customer touchpoints, and claims processing advances underscore the insurer’s innovation leadership.
- ESG focus: A rising emphasis on sustainability, customer-centricity, and governance strengthens reputational capital, enhancing stakeholder trust and regulatory goodwill.
From an industry standpoint, continued regulatory encouragement (e.g., IRDAI’s liberalization efforts, digital onboarding), increasing health awareness, and higher insurance penetration combine to set a multi-year runway for systemic expansion. The improvement in combined operating ratio, indicating higher underwriting discipline, signals further margin potential even as premium growth stays healthy.
Upcoming quarters are likely to see additional catalysts—such as new digital partnerships, product launches in microinsurance, and potential inorganic growth moves—that could serve as inflection points for sentiment and valuation.
Investment strategies
ICICI Lombard General Insurance fits diverse portfolio objectives, with a strong argument for strategic entry across time frames:
- Short-term: For tactical investors, accumulation near key supports (₹1,820–₹1,835) ahead of technical breakouts or before earnings events seems particularly advantageous, given low volatility and constructive price structure.
- Medium-term: With ongoing digital rollouts, new distribution launches, and supportive sectoral news flow, a hold-through catalyst approach could offer gains as the stock targets its swing highs and the consensus target zone near ₹2,408.
- Long-term: Fundamental investors can look to gradual portfolio build-up, banking on secular non-life insurance growth, company’s robust innovation pipeline, and effective risk management—supported by the brand strength of ICICI Bank and a high-quality, diversified product suite.
The timing appears optimal as the stock consolidates above major moving averages and before key product and channel development announcements. For investors with a multi-year horizon, this positioning promises a blend of capital appreciation, steady earnings accretion, and limited downside, all within a sector at the cusp of transformational growth.
Is it the right time to buy ICICI Lombard General Insurance?
The confluence of robust fundamentals, constructive technicals, improving profit metrics, and well-defined growth vectors suggests ICICI Lombard General Insurance is poised to enter a fresh phase of outperformance. Its leadership in the non-life insurance space, powered by digital transformation, segmental resilience, and a scalable distribution architecture, is amply recognized by both local and international investors, as evidenced by strong institutional stakes and a forward-looking ownership mix.
While competitive dynamics and periodic regulatory changes warrant vigilance, ICICI Lombard’s debt-free balance sheet, improved combined ratio, and clear innovation agenda leave it well equipped to navigate the evolving insurance landscape. The consensus upward target, volume trends, and proximity to technical breakout levels all reinforce the impression that the stock may be transitioning into a sustained bullish phase—one that aligns with both India’s broader growth and the relentless push for insurance penetration.
For investors evaluating new opportunities in India’s thriving financial sector, ICICI Lombard General Insurance seems to represent an excellent opportunity at current valuations, just as secular sector drivers and company-specific catalysts line up for the coming quarters. As market sentiment normalizes and the company delivers on expanding its digital and product leadership, the case to seriously consider a position is hard to ignore.
Ultimately, as the non-life insurance sector enters a renewed upcycle, ICICI Lombard General Insurance stands out as a bellwether stock with tangible upside potential—and all the hallmarks of a strategic portfolio addition for those seeking exposure to the next evolutionary wave in India’s dynamic insurance industry.
How to buy ICICI Lombard General Insurance stock in India?
Buying ICICI Lombard General Insurance stock online is both simple and secure when you use a SEBI-regulated broker in India. Retail investors can choose between two popular methods: spot buying (owning actual shares directly in your demat account) or trading via Contracts for Difference (CFDs), which track the price movements without providing share ownership. Both approaches are easily accessible online, offering competitive fees and transparent execution. Your choice depends on your investment goals—owning the stock for the long term or speculating on price changes. For a full comparison of leading brokers and their charges, see the dedicated comparison further down the page.
Spot buying
A cash (spot) purchase of ICICI Lombard General Insurance stock means you become a direct shareholder and own the shares in your demat account. This is the most traditional and popular method for Indian investors looking to build long-term wealth. When you buy shares through a regulated broker, typical fees include a fixed commission per order—this is generally in the range of ₹20–₹25 per trade, depending on the platform.
Example
Suppose the share price of ICICI Lombard General Insurance is ₹1,852.30. With a stake of $1,000 (roughly ₹83,000 at ₹83/USD), you could buy around 44 shares (₹1,852.30 × 44 ≈ ₹81,500), after considering a brokerage fee of approximately ₹400 (about $5).
✔️ Gain scenario
If the share price rises by 10%, your holding is now valued at ₹89,650 (₹1,852.30 × 1.10 × 44).
Result: That’s a gross gain of ₹8,150 (about $100)—a +10% return on your initial investment.
Trading via CFD
CFD trading (Contracts for Difference) allows you to speculate on the price movement of ICICI Lombard General Insurance shares without actually owning them. Instead, you enter a contract with your broker to exchange the difference in price from opening to closing the position. This method is ideal for traders seeking short-term opportunities and the ability to use leverage. Main fees include the spread (the small difference between buy and sell price) and overnight financing costs if you keep trades open for multiple days.
Example
You open a CFD position on ICICI Lombard General Insurance with a $1,000 deposit and apply 5x leverage. This means you control an exposure of $5,000 (almost ₹415,000).
✔️ Gain scenario
If the share price rises by 8%, your position increases by 8% × 5 = 40%.
Result: You make a gross profit of $400 (about ₹33,200) on an initial $1,000 bet—excluding fees.
Final advice
Before investing, it’s essential to compare brokers’ commissions, account charges, and additional conditions to find the best fit for your investment style. Your choice—spot buying or CFD trading—should align with your risk appetite, investment horizon, and financial goals. Both routes are accessible and regulated, offering you flexibility and security. For an in-depth broker comparison with up-to-date fees and features, don’t hesitate to consult the comparison tool further down the page.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Our 7 tips for buying ICICI Lombard General Insurance stock
| Step | Specific tip for ICICI Lombard General Insurance |
|---|---|
| Analyze the market | Assess India's general insurance sector trends and ICICI Lombard’s 9.4% market share, focusing on the potential for growth as insurance penetration remains around 1% of GDP. |
| Choose the right trading platform | Opt for a reputable Indian brokerage (like Zerodha or ICICIdirect) that provides seamless NSE access, prudent security features, and research support for ICICI Lombard shares. |
| Define your investment budget | Set an investment amount aligned with your goals and risk appetite; given ICICI Lombard’s moderate volatility and sector leadership, ensure your portfolio remains diversified. |
| Choose a strategy (short or long term) | Consider a long-term approach to benefit from ICICI Lombard’s strong growth prospects, leadership, and dividend track record; short-term traders can watch key support and resistance levels. |
| Monitor news and financial results | Track quarterly and annual reports for profit growth, premium collection, regulatory updates, and digital transformation milestones that directly impact ICICI Lombard’s valuation. |
| Use risk management tools | Utilise stop-loss and target price orders to protect gains and limit losses, especially as the stock approaches overbought levels or experiences sector-wide volatility. |
| Sell at the right time | Review technical indicators and financial news; consider booking profits when the stock nears resistance levels (e.g., ₹1,874 – ₹1,913) or before major regulatory reforms if sentiment turns cautious. |
The latest news about ICICI Lombard General Insurance
ICICI Lombard reported strong annual results with net profit up by 30.7% and revenue growth exceeding 16% year-on-year for FY2025. These robust numbers demonstrate both top-line and bottom-line strength, attributed to improved underwriting performance and disciplined expense management. The company’s earnings per share rose from ₹38.94 to ₹50.74, reflecting operational efficiency and a healthy business mix. These results reinforce confidence among investors and analysts, especially given ICICI Lombard’s position as the largest private sector general insurer in India.
Investment momentum remains positive as technicals indicate a bullish trend, with the stock trading above major moving averages and showing strong momentum on key oscillators. The current price of ₹1,852.30 is above the 20-, 50-, and 100-day moving averages, while indicators like the MACD and Stochastic RSI signal continued buying interest. The share’s low beta (0.80) underlines its stability, and consensus among Indian brokerages remains optimistic with a consensus 12-month target significantly higher than the present level. Market sentiment, driven by recent price action and volume patterns, suggests constructive investor positioning in the Indian market context.
ICICI Lombard’s sustained investments in digital transformation and distribution expansion are enhancing its competitive edge in India’s insurance sector. Recent weeks have seen further rollouts in digital claims management and online policy issuance, catering to changing customer preferences and regulatory encouragement of technology-led growth. The company’s multi-channel approach—leveraging agents, bancassurance, direct sales, and online channels—continues to broaden its reach, especially in underpenetrated geographies and emerging SME segments. This ongoing digital push aligns with regulatory initiatives and is supportive of future premium growth.
The company’s strong financial position is underscored by a debt-free balance sheet, high solvency ratio, and improving combined ratio, demonstrating prudent risk management amid competitive pressures. In the current Indian regulatory environment, where recent IRDAI policies are focused on solvency and customer protection, ICICI Lombard’s financial conservatism and adherence to governance standards work in its favor. The backing by ICICI Bank, which maintains over 51% promoter holding, further adds to institutional credibility and stability, factors valued by institutional and retail investors alike.
Industry trends remain supportive, with insurance penetration in India still below 1% of GDP, and rising health insurance awareness post-pandemic providing a multi-year structural growth tailwind. India’s general insurance sector is benefiting from government initiatives promoting insurance inclusion and financial literacy. ICICI Lombard’s leadership across fire, health, engineering, and marine segments positions it to capture outsized gains as these trends play out. The outlook for premium growth in the country remains in the 12-15% CAGR range, and healthy demand fundamentals are expected to persist, creating a favorable backdrop for future stock performance.
FAQ
What is the latest dividend for ICICI Lombard General Insurance stock?
ICICI Lombard General Insurance currently pays a dividend, with the most recent dividend at ₹12.00 per share, paid in August 2024. This represents a yield of 0.68% based on the current price. The company has maintained a steady dividend distribution over the past few years, reflecting consistent profitability and strong cash flow. Its policy suggests a preference for rewarding shareholders while still retaining sufficient capital for future growth.
What is the forecast for ICICI Lombard General Insurance stock in 2025, 2026, and 2027?
Based on the current price of ₹1,852.30, projections indicate that ICICI Lombard General Insurance could reach ₹2,408 by end of 2025, ₹2,778 by end of 2026, and ₹3,704 by end of 2027. These optimistic forecasts are underpinned by the company’s leadership position in India’s general insurance market and the sector’s positive momentum, supported by increasing insurance penetration and digital innovation efforts.
Should I sell my ICICI Lombard General Insurance shares?
Holding onto ICICI Lombard General Insurance shares may be appropriate given its strong fundamentals, resilient business model, and dominant market share in the industry. The company enjoys robust long-term growth potential, driven by rising insurance adoption and technological transformation. Its financial position, parentage by ICICI Bank, and improved profitability indicate that patience could reward mid- to long-term investors, especially as India’s insurance sector continues to expand.
What is the capital gains tax on ICICI Lombard General Insurance shares for Indian investors?
For residents in India, long-term capital gains (on shares held over one year) above ₹1 lakh are taxed at 10%, while short-term capital gains (under one year) are taxed at 15%. Dividends received from ICICI Lombard General Insurance are added to your taxable income and taxed at your applicable income tax slab rate. All taxes are subject to current regulations and include surcharge and cess where applicable.
What is the latest dividend for ICICI Lombard General Insurance stock?
ICICI Lombard General Insurance currently pays a dividend, with the most recent dividend at ₹12.00 per share, paid in August 2024. This represents a yield of 0.68% based on the current price. The company has maintained a steady dividend distribution over the past few years, reflecting consistent profitability and strong cash flow. Its policy suggests a preference for rewarding shareholders while still retaining sufficient capital for future growth.
What is the forecast for ICICI Lombard General Insurance stock in 2025, 2026, and 2027?
Based on the current price of ₹1,852.30, projections indicate that ICICI Lombard General Insurance could reach ₹2,408 by end of 2025, ₹2,778 by end of 2026, and ₹3,704 by end of 2027. These optimistic forecasts are underpinned by the company’s leadership position in India’s general insurance market and the sector’s positive momentum, supported by increasing insurance penetration and digital innovation efforts.
Should I sell my ICICI Lombard General Insurance shares?
Holding onto ICICI Lombard General Insurance shares may be appropriate given its strong fundamentals, resilient business model, and dominant market share in the industry. The company enjoys robust long-term growth potential, driven by rising insurance adoption and technological transformation. Its financial position, parentage by ICICI Bank, and improved profitability indicate that patience could reward mid- to long-term investors, especially as India’s insurance sector continues to expand.
What is the capital gains tax on ICICI Lombard General Insurance shares for Indian investors?
For residents in India, long-term capital gains (on shares held over one year) above ₹1 lakh are taxed at 10%, while short-term capital gains (under one year) are taxed at 15%. Dividends received from ICICI Lombard General Insurance are added to your taxable income and taxed at your applicable income tax slab rate. All taxes are subject to current regulations and include surcharge and cess where applicable.
