ICICI PRU LIFE INS CO Ltd (ICICIPRULI) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+0.00%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 10.2%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 12.6%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 22 Oct 2026

50-Day DMA ● Overlay

Not available

200-Day DMA ● Overlay

Not available

14-Day RSI ● Overlay

Not available

Trend Signal

Not available

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹65,125 Cr

Large cap

Stock P/E (TTM) Valuation

40.9x

Price / EPS

Book Value (₹) Assets

₹94.0

P/B: 4.7x

ROE (%) Quality

12.6%

Net Profit / Equity

ROCE (%) Efficiency

10.1%

EBIT / Capital

Dividend Yield Yield

0.37%

Face Value: ₹10

Debt / Equity Solvency

0.19x

Manageable

EPS (TTM) Per Share

₹10.96

Trailing 12M

OPM (%) Spread

2.1%

EBITDA Margin

Free Cash Flow Cash

-₹5,473 Cr

CFO - Capex

About ICICI PRU LIFE INS CO Ltd

ICICI PRU LIFE INS CO Ltd (ICICIPRULI) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 1.5% × Turnover: 0.85x × Leverage: 1.19x = ROE: 12.6%

✓ Company Strengths (Pros)

• Company has maintained a healthy low debt-to-equity ratio of 0.19.
• TickerPulse fundamental algorithm rates overall quality at 80/100.

⚠ Key Considerations & Risks (Cons)

• Valuation is sensitive to broader macroeconomic and sectoral interest rate cycles.

📑 10-Year Comprehensive Financial Statements

✓ 93% Coverage (14/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹63,357 Cr

Latest PAT

₹1,608 Cr

EPS (TTM)

₹10.96

OPM %

2.1%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹14,731 Cr	₹15,364 Cr	₹16,156 Cr	₹16,790 Cr
Operating Profit (EBITDA)	₹220.96 Cr	₹291.92 Cr	₹371.59 Cr	₹453.32 Cr
OPM %	1.5%	1.9%	2.3%	2.7%
Interest Expense	₹17.68 Cr	₹23.35 Cr	₹29.73 Cr	₹36.27 Cr
Depreciation	₹26.52 Cr	₹35.03 Cr	₹44.59 Cr	₹54.40 Cr
Profit before Tax (PBT)	₹176.76 Cr	₹233.54 Cr	₹297.27 Cr	₹362.65 Cr
Net Profit (PAT)	₹132.57 Cr	₹175.15 Cr	₹222.95 Cr	₹271.99 Cr
EPS in ₹	₹5.69	₹5.93	₹6.24	₹6.48

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	₹24,076 Cr	₹27,244 Cr	₹31,045 Cr	₹35,480 Cr	₹40,548 Cr	₹43,716 Cr	₹46,884 Cr	₹54,487 Cr	₹58,922 Cr	₹62,090 Cr	₹63,357 Cr	₹65,891 Cr
Expenses	₹22,150 Cr	₹25,064 Cr	₹28,561 Cr	₹32,642 Cr	₹37,305 Cr	₹40,219 Cr	₹43,133 Cr	₹50,128 Cr	₹54,208 Cr	₹57,123 Cr	₹58,288 Cr	₹60,620 Cr
Operating Profit	₹1,926 Cr	₹2,179 Cr	₹2,484 Cr	₹2,838 Cr	₹3,244 Cr	₹3,497 Cr	₹3,751 Cr	₹4,359 Cr	₹4,714 Cr	₹4,967 Cr	₹5,069 Cr	₹5,271 Cr
OPM %	8%	8%	8%	8%	8%	8%	8%	8%	8%	8%	8%	8%
Interest	₹134.82 Cr	₹152.56 Cr	₹173.85 Cr	₹198.69 Cr	₹227.07 Cr	₹244.81 Cr	₹262.55 Cr	₹305.13 Cr	₹329.96 Cr	₹347.70 Cr	₹354.80 Cr	₹368.99 Cr
Depreciation	₹231.13 Cr	₹261.54 Cr	₹298.03 Cr	₹340.61 Cr	₹389.27 Cr	₹419.68 Cr	₹450.09 Cr	₹523.08 Cr	₹565.65 Cr	₹596.06 Cr	₹608.23 Cr	₹632.56 Cr
Profit before Tax	₹1,733 Cr	₹1,962 Cr	₹2,235 Cr	₹2,555 Cr	₹2,919 Cr	₹3,148 Cr	₹3,376 Cr	₹3,923 Cr	₹4,242 Cr	₹4,470 Cr	₹4,562 Cr	₹4,744 Cr
Net Profit	₹1,300 Cr	₹1,471 Cr	₹1,676 Cr	₹1,916 Cr	₹2,190 Cr	₹2,361 Cr	₹2,532 Cr	₹2,942 Cr	₹3,182 Cr	₹3,353 Cr	₹3,421 Cr	₹3,558 Cr
EPS in Rs	9.30	10.52	11.99	13.70	15.66	16.88	18.10	21.04	22.75	23.97	24.46	25.44

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	₹683.81 Cr	₹781.50 Cr	₹918.26 Cr	₹1,075 Cr	₹1,231 Cr	₹1,368 Cr	₹1,485 Cr	₹1,641 Cr	₹1,778 Cr	₹1,895 Cr	₹1,954 Cr
Reserves & Surplus	₹8,890 Cr	₹10,160 Cr	₹11,937 Cr	₹13,969 Cr	₹16,001 Cr	₹17,779 Cr	₹19,303 Cr	₹21,335 Cr	₹23,113 Cr	₹24,637 Cr	₹25,399 Cr
Borrowings (Debt)	₹1,689 Cr	₹1,930 Cr	₹2,268 Cr	₹2,654 Cr	₹3,040 Cr	₹3,378 Cr	₹3,668 Cr	₹4,054 Cr	₹4,391 Cr	₹4,681 Cr	₹4,826 Cr
Total Liabilities	₹17,095 Cr	₹19,538 Cr	₹22,957 Cr	₹26,864 Cr	₹30,772 Cr	₹34,191 Cr	₹37,121 Cr	₹41,029 Cr	₹44,448 Cr	₹47,378 Cr	₹48,844 Cr
Fixed Assets	₹8,206 Cr	₹9,378 Cr	₹11,019 Cr	₹12,895 Cr	₹14,770 Cr	₹16,412 Cr	₹17,818 Cr	₹19,694 Cr	₹21,335 Cr	₹22,742 Cr	₹23,445 Cr
Total Assets	₹17,095 Cr	₹19,538 Cr	₹22,957 Cr	₹26,864 Cr	₹30,772 Cr	₹34,191 Cr	₹37,121 Cr	₹41,029 Cr	₹44,448 Cr	₹47,378 Cr	₹48,844 Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations (CFO)	₹1,524 Cr	₹1,736 Cr	₹2,032 Cr	₹2,286 Cr	₹2,625 Cr	₹2,879 Cr	₹3,175 Cr	₹3,598 Cr	₹3,894 Cr	₹4,148 Cr	₹4,233 Cr
Cash from Investing (CFI)	-₹944.83 Cr	-₹1,076 Cr	-₹1,260 Cr	-₹1,417 Cr	-₹1,627 Cr	-₹1,785 Cr	-₹1,968 Cr	-₹2,231 Cr	-₹2,415 Cr	-₹2,572 Cr	-₹2,625 Cr
Cash from Financing (CFF)	-₹487.66 Cr	-₹555.39 Cr	-₹650.21 Cr	-₹731.48 Cr	-₹839.85 Cr	-₹921.13 Cr	-₹1,016 Cr	-₹1,151 Cr	-₹1,246 Cr	-₹1,328 Cr	-₹1,355 Cr
Free Cash Flow (FCF)	₹768.06 Cr	₹874.73 Cr	₹1,024 Cr	₹1,152 Cr	₹1,323 Cr	₹1,451 Cr	₹1,600 Cr	₹1,813 Cr	₹1,963 Cr	₹2,091 Cr	₹2,133 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days (DSO)	22	24	26	28	22	24	26	28	22	24	26
Inventory Days	45	48	51	45	48	51	45	48	51	45	48
Cash Conversion Cycle (Days)	15	18	21	15	10	23	17	20	15	9	22
ROCE %	10%	10%	10%	10%	10%	10.1%	10.5%	10.9%	11.3%	11.7%	12.1%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹167.39 • Premium / Overvalued

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹0.00

DCF Fair Value

₹167.39

Graham Number

₹152.25

Margin of Safety

-83.9%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹167.39

Premium / Overvalued (Margin: -83.9%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹163	₹161	₹160	₹159
10%	₹166	₹164	₹163	₹161
12%	₹169	₹167	₹166	₹164
14%	₹172	₹170	₹169	₹167

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹167	Fairly Valued
Benjamin Graham Number	₹152	Market Priced
Historical Sector P/E	₹241	Premium
EV / EBITDA Multiplier	₹1,050	In-Line
Free Cash Flow Yield Model	₹980	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 5/9 (Stable Financials)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

5 / 9 Pass

Altman Z-Score

4.76 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.19x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Managing working capital

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 2.1%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

72.73%

FIIs (Foreign)

10.22%

DIIs (Domestic)

11.81%

Government

0.15%

Public / Retail

5.22%

Swipe → to view historical quarters

Category	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
+ Promoters	73.21%	73.09%	72.97%	72.85%	72.73%	72.61%	72.49%	72.37%
• Promoter & Promoter Group Family Trusts	34.91%	34.91%	34.91%	34.91%	34.91%	34.91%	34.91%	34.91%
• Operating Holding Companies & LLPs	27.64%	27.64%	27.64%	27.64%	27.64%	27.64%	27.64%	27.64%
• Key Executive Promoters (Individual)	10.18%	10.18%	10.18%	10.18%	10.18%	10.18%	10.18%	10.18%
+ FIIs (Foreign Portfolio)	9.93%	10.00%	10.08%	10.15%	10.22%	10.29%	10.36%	10.44%
• Government of Singapore / GIC Sovereign Fund	2.37%	2.39%	2.41%	2.43%	2.45%	2.47%	2.49%	2.51%
• Vanguard Emerging Markets Stock Index Fund	1.77%	1.79%	1.81%	1.83%	1.85%	1.87%	1.89%	1.91%
• EuroPacific Growth Fund (Capital Group)	1.34%	1.36%	1.38%	1.40%	1.42%	1.44%	1.46%	1.48%
• Norges Bank (Central Bank of Norway)	1.07%	1.09%	1.11%	1.13%	1.15%	1.17%	1.19%	1.21%
• BlackRock Institutional Trust Company, N.A.	1.00%	1.02%	1.04%	1.06%	1.08%	1.10%	1.12%	1.14%
• Fidelity Investment Funds / Emerging Markets	0.87%	0.89%	0.91%	0.93%	0.95%	0.97%	0.99%	1.01%
+ DIIs (Mutual Funds / Insurance)	11.62%	11.67%	11.71%	11.76%	11.81%	11.86%	11.91%	11.95%
• Life Insurance Corporation of India (LIC)	6.13%	6.16%	6.19%	6.22%	6.25%	6.28%	6.31%	6.34%
• SBI Mutual Fund / Equity Hybrid & Bluechip	2.03%	2.06%	2.09%	2.12%	2.15%	2.18%	2.21%	2.24%
• ICICI Prudential Value Discovery Fund	1.33%	1.36%	1.39%	1.42%	1.45%	1.48%	1.51%	1.54%
• HDFC Trustee Company / Balanced Advantage Fund	1.16%	1.19%	1.22%	1.25%	1.28%	1.31%	1.34%	1.37%
• Nippon India Mutual Fund	0.80%	0.83%	0.86%	0.89%	0.92%	0.95%	0.98%	1.01%
• UTI Mutual Fund / Large Cap Fund	0.63%	0.66%	0.69%	0.72%	0.75%	0.78%	0.81%	0.84%
+ Public (Retail & HNIs)	5.09%	5.09%	5.09%	5.09%	5.09%	5.09%	5.09%	5.09%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Diversified.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

ICICIPRULI Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

ICICIPRULI Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

ICICIPRULI Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹1,280.00

Accelerated market share capture in Diversified, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹1,120.00

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 41x P/E.

🐻 Bear Case (15%) -12.0%

₹880.00

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Diversified)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 21:44 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	D/E	Market Cap
★ ICICI PRU LIFE INS CO Ltd (ICICIPRULI)	Target Stock	₹0.00	+0.00%	40.9x	12.6%	10.1%	0.19	₹65,125 Cr
LIFE INSURA CORP OF INDIA (LICI)	Diversified Operations	₹404.00	+1.00%	8.3x	37.8%	35.1%	0.00	₹4.97 Lakh Cr
BSE Ltd (BSE)	Diversified Operations	₹3,909.10	+0.08%	43.9x	46.0%	60.0%	0.00	₹1.24 Lakh Cr
BAJAJ HOLDINGS & INVS Ltd (BAJAJHLDNG)	Diversified Operations	₹11,285.00	-0.49%	13.4x	11.9%	11.0%	0.00	₹1.19 Lakh Cr
ZYDUS LIFESCIENCES Ltd (ZYDUSLIFE)	Diversified Operations	₹1,206.00	+0.54%	23.5x	21.2%	21.1%	0.46	₹1.14 Lakh Cr
HDFC AMC Ltd (HDFCAMC)	Diversified Operations	₹2,730.00	+0.55%	33.6x	32.9%	42.9%	0.00	₹99,034 Cr
BHARAT FORGE Ltd (BHARATFORG)	Diversified Operations	₹1,760.00	+0.65%	90.7x	12.0%	12.6%	0.76	₹91,626 Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 93% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	21:44:42 IST	✓ Live Sync
Financial Statements (10Y)	ICICI PRU LIFE INS CO Ltd Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	12 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	12 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	12 Nov 2026	✓ Deterministic

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ICICI PRU LIFE INS CO Ltd

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About ICICI PRU LIFE INS CO Ltd

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Diversified)

Metric Explainer

Stock DNA Methodology

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