Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Insurance - Diversified

ICICI Lombard General Insurance Company Limited provides various general insurance products and services in India. The company primarily offers fire, marine, cargo, engineering, aviation, public/product liability, employee group, workmen's compensation, cyber, personal accident, and travel insurance solutions. It also provides credit, crop, cattle, weather, group and mass health, and motor, as well as home insurance solutions. In addition, the company offers underwriting and claims, customer relationship, technology, operations, finance and accounts, human resources, legal and compliance, actuarial, marketing, business analytics, administration, and fraud control, as well as reinsurance solutions. It serves its customers comprising individuals, corporates, state and central governments, government-owned enterprises, and rural customers, as well as micro, small, and medium enterprises through agents, brokers, bancassurance, tele-sales, direct alliances, motor insurance service providers, and online platforms. The company was incorporated in 2000 and is based in Mumbai, India. ICICI Lombard General Insurance Company Limited operates as a subsidiary of ICICI Bank Limited.

Revenue projections:

Revenue projections for ICICIGI
Revenue projections for ICICIGI

The projected decline in ICICIGI's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 0.280000
forwardPE 27.387194
debtToEquity 0.000000
earningsGrowth -0.093000
revenueGrowth 0.122000
grossMargins 0.232270
operatingMargins 0.125680
trailingEps 54.590000
forwardEps 65.567140

ICICIGI's current ratio being 0.28 suggests that its cash reserves and current assets may not fully cover its short-term debts. This points to potential liquidity problems and could indicate that the company may need to secure additional funds to meet its obligations.
ICICIGI's Forward PE ratio is in a good range, reflecting a reasonable balance between stock price and earnings. The stock is not overpriced, leaving room for growth, which suggests potential for investors looking to capitalize on future value appreciation.
ICICIGI's low growth in both earnings and revenue signals a potential profit decline. This could be a sign of financial trouble, suggesting that the company's profitability might shrink in the near future.
ICICIGI's negative gross and operating margins indicate that the company is operating at a loss. This reflects an inability to cover production costs and operational expenses, which could undermine its financial stability.
ICICIGI's forward EPS being higher than its trailing EPS indicates that the company is expected to achieve greater profitability this financial year. This suggests improving earnings and a stronger financial position compared to the previous year's performance.

Price projections:

Price projections for ICICIGI
Price projections for ICICIGI

ICICIGI's price projections have gradually risen, indicating growing confidence in the company's prospects. This upward trend suggests that analysts expect ICICIGI to continue performing well in the future.

Insider Transactions:

Insider Transactions for ICICIGI
Insider Transactions for ICICIGI


ICICIGI saw 9 transactions in which shares were sold with market price at 1852.0833197699653.No sell transactions were carried out during the period under review.Investors have shown more interest in buying than selling ICICIGI at current price levels, which may point to a positive market sentiment. This could indicate that investors are expecting favorable results from the stock in the near future.

Recommendation changes over time:

Recommendations trend for ICICIGI
Recommendations trend for ICICIGI


Analysts' buy bias toward ICICIGI suggests the stock is seen as a solid investment, potentially motivating investors to consider it for their portfolios. With this positive outlook, ICICIGI is likely to be viewed as a secure place to allocate funds, driving further interest in the stock.