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ICICIPRULI · NSE · Life Insurance

ICICI Prudential Life Insurance Company Ltd

What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Mid Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
cheap low confidence No valuation within 120 days; P/E 39.6 vs peers 44.8 (5th of 9); P/B 4.8 vs peers 5.8 (4th of 9).
Cheap for a reason: A negative 5-year return.
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model

What is ICICI Prudential Life Insurance Company's share price today?

ICICI Prudential Life Insurance Company last traded at ₹463.40 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 0.6% on the day, down 22.4% over a year. Its 52-week range is ₹442 to ₹707. The live price is in the app.

₹463.40 +0.6% today
−22.4% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range8% of the way up
Low ₹442High ₹707

What is ICICI Prudential Life Insurance Company's market cap?

ICICI Prudential Life Insurance Company's market capitalisation is about ₹66,837 crore: what it would cost to buy every share at today's price. That makes it the 56th largest mid cap company we cover.

₹66,837 Cr Mid Cap56th largest mid cap company
Mid Cap means the companies ranked 101 to 250 by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →

Key facts

From the exchange
Symbol
NSE: ICICIPRULI
ISIN
INE726G01019
Cap bucket
Mid Cap, 56th largest by market cap
Industry (NSE)
Financial Services › Insurance › Life Insurance
Listed since
2016
Futures and options
Traded

Is ICICI Prudential Life Insurance Company overvalued?

Cheap, with low confidence: no valuation within 120 days; P/E 39.6 vs peers 44.8 (5th of 9); P/B 4.8 vs peers 5.8 (4th of 9). Cheap for a reason: A negative 5-year return.

Valuation

Latest price and trailing 12 months
P/E 39.60
vs peers 44.8 · 5th of 9
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B 4.79
vs peers 5.8 · 4th of 9
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap ₹66,837 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield 0.3%
Last year's dividends as a share of today's price. Learn more →
PEG (vendor) 13.75
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth 1.57
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
3 models could be judged
Skipped — Fair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored

Our valuation range

🔒 Pro
Value range, implied growth at today's price, and the nine models behind it: in the app.

Is ICICI Prudential Life Insurance Company a quality business?

CLEAN on 8 of 22 lender flags judged.

Quality and risk

Data as of 12 Oct 2026
Business quality Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score Not available
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level CLEAN
8 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →

Lender scorecard

Statements through FY2026 (Mar-26)
Basis: latest typed accounts older than two years; nothing computed from them; not a lender: no NIM, asset quality, credit cost or loan growth
Net interest margin Not available
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA Not available
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA Not available
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage Not available
How much of the gross bad loans has already been provided for. Learn more →
Credit cost Not available
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income Not available
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets Not available
Profit as a share of average total assets. Learn more →
CET1 ratio Not available
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY Not available
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY Not available
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio Not available
Current and savings account balances as a share of all deposits. Learn more →
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Has ICICI Prudential Life Insurance Company made money for shareholders?

Not over these periods: −22.4% over one year and −8.0% a year over five years.

Shareholder returns

1-year return −22.4%
Price only
What the share price did over the last 12 months. Learn more →
5-year return −8.0% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer Yes
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →

Returns

3Y and 5Y are yearly averages
1W
+1.2%
1M
+0.6%
3M
−11.4%
6M
−15.7%
1Y
−22.4%
3Y
−5.5%
5Y
−8.0%

Does ICICI Prudential Life Insurance Company pay a dividend?

Yes. ICICI Prudential Life Insurance Company's dividend yield is 0.32% at the latest price; the last payout was ₹1.65 a share, ex-dividend 5 Jun 2026.

Dividends

Per share, by ex-dividend date
Dividend yield0.32%
The past 12 months' dividends as a share of today's price.
5 Jun 2026 · Final₹1.65
12 Jun 2025 · Final₹0.85
13 Jun 2024 · Final₹0.60
13 Jul 2023 · Final₹0.60
16 Jun 2022 · Final₹0.55
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.

Is ICICI Prudential Life Insurance Company growing?

Revenue 3 years 6.1% a year; eps 3 years 25.2% a year; revenue 5 years -0.6% a year.

Growth

Statements through FY2026 (Mar-26)
Loan growth Not available
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth Not available
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years 6.1% a year
vs peers 12.6% · 8th of 9
Compound annual growth of revenue over three years. Learn more →
EPS 3 years 25.2% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years -0.6% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years 10.8% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →

How did ICICI Prudential Life Insurance Company do last quarter?

ICICI Prudential Life Insurance Company reported income of ₹4,221 Cr, down 10.5% on a year earlier and a net profit of ₹624 Cr, up 35.6% in the Mar 2026 quarter.

Latest quarter

Mar 2026
Income, latest quarter₹4,221 Cr
−10.5% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹624 Cr
+35.6% on a year earlier
What was left for shareholders after every cost and tax.

How does ICICI Prudential Life Insurance Company compare with its peers?

Compared with 8 Insurance (the industry, as the basic industry was too small); 5th of 9 on P/E.

Compared with 8 Insurance (the industry, as the basic industry was too small)

8 companies

ICICI Prudential Life Insurance Company against its peers

Largest 8 of 8 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
ICICI Prudential Life Insurance Company Ltd₹66,837 Cr39.64.810.1%−22.4%
SBI Life Insurance Company Ltd₹1.7 L Cr65.09.313.8%−7.2%
HDFC Life Insurance Company Ltd₹1.2 L Cr60.87.211.6%−25.4%
ICICI Lombard General Insurance Company Ltd₹84,450 Cr34.65.117.8%−7.8%
General Insurance Corporation of India₹54,843 Cr6.21.017.0%−18.8%
Max Financial Services Ltd₹45,200 Cr409.37.6—−18.5%
Star Health & Allied Insurance Company Ltd₹32,498 Cr38.53.57.6%+15.1%
New India Assurance Company Ltd₹26,736 Cr34.70.76.1%−15.1%
Go Digit General Insurance Ltd₹25,243 Cr51.26.511.8%−24.1%
Peer median—44.85.811.8%−16.8%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.

Full peer comparison

🔒 Pro
Every peer, every figure, the ranks and the quality and forensic scores side by side: in the app.

Who owns ICICI Prudential Life Insurance Company?

ICICI Prudential Life Insurance Company is held by promoters 72.7%, foreign institutions 10.2%, domestic institutions 11.8%.

Shareholding pattern

Latest filing, percent of shares
Promoters72.7%
The founders and controlling group.
Foreign institutions10.2%
Overseas funds investing through the FPI route.
Domestic institutions11.8%
Indian insurers, banks, pension and mutual funds together.
Mutual funds10.4%
Indian mutual fund schemes; part of domestic institutions.
Retail and others2.1%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.

What do analysts say about ICICI Prudential Life Insurance Company?

33 analysts cover ICICI Prudential Life Insurance Company, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.

Analyst consensus

33 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.

What does ICICI Prudential Life Insurance Company do and what is it sensitive to?

The company sells life insurance products, including protection, savings, pension, annuity and health lines, to salaried and self-employed individuals and families across India through agents, banks and other partners. Sensitive to: interest rates.

Business-model card

None · 48 verified
4Revenue
4Channels
2Regulators
6Reg. dependencies
6Sensitivities
4Costs
3Geographies

The company sells life insurance products, including protection, savings, pension, annuity and health lines, to salaried and self-employed individuals and families across India through agents, banks and other partners. Per the excerpts, it earns premium and investment income net of expenses, claims and policyholder liabilities on non-participating business, and charges on policyholder funds on linked business.

Revenue by segment

Year ended March 31, 2026 (consolidated, per the 3.8 Segmental Reporting table in chunk 7)
Participating - Life13.3%
Participating - Pension0.9%
Non-Participating - Life35.8%
Non-Participating - Pension1.5%
Non-Participating - Variable0.0%
Non-Participating - Variable Pension0.0%
Non-Participating - Annuity6.0%
Non-Participating - Health0.1%
Linked - Life31.7%
Linked - Pension0.4%
Linked - Health0.0%
Linked - Group Life7.1%
Linked - Group Pension1.1%
Shareholders2.1%

Revenue engine

4 verified
Life insurance (all products sold) (100.0%)
The filing reports life insurance as the only product line, 100% of turnover in the table, though the same sentence says the products account for 90% of turnover. Interpretation: the two figures conflict and the 100% table entry is used here.
Non-participating business (savings, protection, pension, annuity, health)
Profit arises from premium and investment income net of expenses, claims and policyholder liabilities; the filing lists non-participating as a separate segment with life, pension, annuity and health sub-lines.
Linked business (unit-linked life, pension, health, group)
Profit arises from charges levied on policyholders’ funds, net of expenses, claims and policyholder liabilities.
1 more statement
Participating business (life and pension with bonuses)
Shareholder profit depends on the bonuses declared to policyholders; a stated share of the bonus flows to shareholders.

Customers & channels

4 verified
Salaried or self-employed individuals with dependents
Core retail buyers of protection (death, critical illness, accident, loan cover) and long-term savings for education, marriage and retirement.
Agents, bank partnerships and non-bank partners
Multi-channel distribution; the filing states the mix is built to reduce dependence on any one channel.
Bancassurance customers
Bank-channel sales are recommended according to customer risk profile, as mandated by banking regulations.
1 more statement
Distribution concentration limit
The company states its distribution strategy has reduced dependency on any one channel for growth.

Regulators

2 verified
Insurance Regulatory and Development Authority of India (IRDAI)
Primary regulator for the insurance sector; it governs the company's products, distribution and capital/compliance norms, and receives the audited financials.
Pension Fund Regulatory and Development Authority (PFRDA)
Named as a regulator the company abides by in its conduct of business; the company also reports a pension segment.

Regulatory dependencies

6 verified
GST exemption on life insurance premiums
The filing credits the exemption with improving affordability and penetration, so a change in GST treatment of premiums would move premium volumes.
GST reforms effective September 2025 (protection segment)
Cited as a complement to retail protection growth; the excerpt does not state the revenue effect.
Ineligible input tax credit on commission and operating expenses
Ineligible ITC is charged to cost, so changes in input tax credit eligibility would move operating expense.
3 more statements
Changes in tax rate structure for the industry and its products
Listed as a policy risk for the industry; a rate change would affect product economics and demand.
Bima Sugam, Bima Vahak and Bima Vistaar reforms
IRDAI initiatives described as able to transform distribution and last-mile delivery; the excerpt says they are on the horizon.
Repricing of new business after adverse experience
The company may reprice future new business if experience turns adverse, so claims or lapse experience feeds directly into premium rates.

Sensitivities

6 verified
Interest rates
Higher rates stress the global financial system; the company hedges interest rate risk on its savings, annuity and protection portfolios with derivatives and STRIPS.
Crude oil and Strait of Hormuz closure
A sustained closure pushing crude above USD 120 per barrel is cited as a downside risk that widens the current account deficit and could trigger reflation.
Inflation and real wages
Inflation can reduce real wages, which the filing links to lower discretionary savings, new business and persistency.
3 more statements
Southwest monsoon and private capex
Growth of 7% or above is described as contingent on private capex and the monsoon outcome.
Competitive intensity
The filing states the industry is highly competitive with 26 companies, so pricing and product changes can shift share.
Market price volatility on investments
Variation in asset prices creates investment risk, including mismatch between assets and liabilities.

Cost inputs

4 verified
Operating expenses and expense ratio
Expense levels are monitored and fed back into new product pricing, reserves and management reporting.
Information technology expenses
A separate operating expense line in the operating expense table.
Stamp duty on policies
A separate operating expense line on policies issued.
1 more statement
Brand/trade mark usage fee
A separate operating expense line, indicating a payment for brand use.

Geographies

3 verified
India (28 states and 4 union territories)
All business is written in India; the company reports no reportable geographical segments.
No export revenue
The filing states exports contribute nil to turnover.
Dubai representative office (closed April 2026)
The only international presence named in the filing, closed effective April 29, 2026.
Each statement is checked word for word against the None annual report; the passages are in the app.

What changed recently?

Q1 FY2027 results filed (15 Jul 2026).

Change log

8 entries · newest first
  1. Results filedQ1 FY2027 results filed.
  2. Results filedQ4 FY2026 results filed.
  3. Corporate actionDividend - Rs 1.65 Per Share.
  4. Results filedQ3 FY2026 results filed.
  5. Results filedQ2 FY2026 results filed.
  6. Results filedQ1 FY2026 results filed.
  7. Corporate actionDividend - Re 0.85 Per Share.
  8. Results filedQ4 FY2025 results filed.
Get alerts →Sign in to be told when any of these change.

What this page does not tell you

What could not be judged, and why. Never empty.
  • Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
  • FlagsCLEAN on 8 of 22 lender flags judged; no red flag; 14 could not be judged.
  • Data gapsBusiness quality, Quality score, Net interest margin, Gross NPA, Net NPA, Provision coverage and 9 more: not available yet.
Not applicable to a bank, lender or insurer · 12
  • Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
  • Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
  • Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
  • Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
  • Interest coverageInterest is a lender's main cost, not a charge on operating profit.
  • Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
  • EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
  • FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
  • Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
  • Asset turnoverA lender earns a spread on its assets, not a turnover of them.
  • ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
  • ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).

What this page rests on

✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓121 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card None · 48 verified

Questions people ask

What is ICICI Prudential Life Insurance Company's share price today?

ICICI Prudential Life Insurance Company last traded at ₹463.40 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 0.6% on the day, down 22.4% over a year. Its 52-week range is ₹442 to ₹707. The live price is in the app.

What is ICICI Prudential Life Insurance Company's market cap?

ICICI Prudential Life Insurance Company's market capitalisation is about ₹66,837 crore: what it would cost to buy every share at today's price. That makes it the 56th largest mid cap company we cover.

Is ICICI Prudential Life Insurance Company Ltd a large cap, mid cap or small cap?

ICICI Prudential Life Insurance Company Ltd (ICICIPRULI) is a mid cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.

What is ICICI Prudential Life Insurance Company Ltd's P/E ratio?

39.60, vs peers 44.8 · 5th of 9. Price divided by last year's earnings per share: how many years of today's profit you pay for.

Is ICICI Prudential Life Insurance Company Ltd overvalued?

Cheap, with low confidence: no valuation within 120 days; P/E 39.6 vs peers 44.8 (5th of 9); P/B 4.8 vs peers 5.8 (4th of 9). Cheap for a reason: A negative 5-year return.

How does ICICI Prudential Life Insurance Company Ltd make money?

The company sells life insurance products, including protection, savings, pension, annuity and health lines, to salaried and self-employed individuals and families across India through agents, banks and other partners. Per the excerpts, it earns premium and investment income net of expenses, claims and policyholder liabilities on non-participating business, and charges on policyholder funds on linked business.

Why is there no Altman Z or debt to equity for ICICI Prudential Life Insurance Company?

Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.

Who are ICICI Prudential Life Insurance Company Ltd's peers?

Compared with 8 Insurance (the industry, as the basic industry was too small): SBI Life Insurance Company Ltd, HDFC Life Insurance Company Ltd, ICICI Lombard General Insurance Company Ltd, General Insurance Corporation of India, Max Financial Services Ltd and 3 more. The app shows how they compare on every figure.

Is this investment advice?

No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.

How did ICICI Prudential Life Insurance Company do last quarter?

ICICI Prudential Life Insurance Company reported income of ₹4,221 Cr, down 10.5% on a year earlier and a net profit of ₹624 Cr, up 35.6% in the Mar 2026 quarter.

Who owns ICICI Prudential Life Insurance Company?

ICICI Prudential Life Insurance Company is held by promoters 72.7%, foreign institutions 10.2%, domestic institutions 11.8%.

Does ICICI Prudential Life Insurance Company pay a dividend?

Yes. ICICI Prudential Life Insurance Company's dividend yield is 0.32% at the latest price; the last payout was ₹1.65 a share, ex-dividend 5 Jun 2026.

What do analysts say about ICICI Prudential Life Insurance Company?

33 analysts cover ICICI Prudential Life Insurance Company, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.

Everything on ICICI Prudential Life Insurance Company, and 6,621 other companies, with 212 filters and the full peer tables

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