Financial & Valuation Intelligence™
ICICI Prudential Life Insurance Company Limited
NSE
ICICIPRULI
Sector: Financial Services· Insurance—LifeCurrent Price
₹431
Market Cap
₹62.18K Cr
AI Financial Summary
ICICI Prudential Life Insurance displays significant volatility in revenue and a challenging cash flow profile, though it is showing signs of recovering profitability metrics as of the latest reporting period.
Business Performance (CAGR)
10 Years
Revenue
5.9%
PAT
-0.5%
EPS
-0.6%
Book Value
8.6%
Free Cash Flow
-20.2%
Valuation Snapshot
P/E45.9
P/B5.4
EV/EBITDA—
P/S1
Div Yield0.38%
Financial Health
Debt to Equity0.19
Interest Coverage—x
Current Ratio0
Cash & Investments₹3.09 L Cr
Profitability Metrics
ROE
11.8%
ROCE
—
ROA
0.5%
EBITDA Mgn
—
Op Margin
—
Net Margin
2.5%
Cash Flow Intelligence
Operating Cash Flow₹-5.36K Cr
Free Cash Flow₹-5.57K Cr
Cash Conversion-333.1%
FCF Margin-8.8%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹431
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
The company shows a moderate recovery in profitability, but current market valuations combined with persistent negative free cash flow suggest a lack of margin of safety for long-term shareholder value creation at the current price levels.
- Consistent growth in book value over the long term.
- Recent improvement in Return on Equity trends.
- Strong historical market position in the Indian life insurance industry.
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
72/100
Good
ICICI Prudential Life Insurance Company Limited maintains a balanced sheet with adequate liquidity and manageable leverage.
AI Confidence
86%
Stability
74
Flexibility
66
Strength Factors
Liquidity42
Leverage92
Working Capital60
Asset Quality100
Shareholder Strength70
Financial Stability74
Financial Flexibility™
66/100
Good
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹3.20 L Cr
▲ 17.6% YoY
Total Liabilities
₹3.06 L Cr
▲ 17.7% YoY
Shareholder Equity
₹13.63K Cr
▲ 14.2% YoY
Net Cash Position
+₹3.06 L Cr
Excellent
Debt / Equity
0.19x
Very Low
Enterprise Value
₹-2.44 L Cr
Capital Structure
Assets
₹3.20 L Cr
Equity
₹13.63K Cr (4.3%)
Liabilities
₹3.06 L Cr (95.7%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity0.19x
Interest CoverageNot Available
Debt / EBITDA1.61x
Net Debt₹-3.06 L Cr
Debt Trend (5Y)16.7%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio0.00
Quick Ratio0.00
Cash Ratio0.00
Working Capital₹-3.02 L Cr
Operating Cash CoverageGood
Short-term LiquidityWeak
Working Capital Intelligence™
CCC Trend
Receivable DaysNot Available
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion CycleNot Available
Asset Quality (% of Total Assets)
Cash & Investments0.4%
Property, Plant & Equip.0.4%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets99.6%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)8.6%
Net Worth CAGR (5Y)8.8%
Retained EarningsGood
Equity Dilution0.00%
Buyback EfficiencyStrong
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskLow
Liquidity RiskHigh
Working Capital RiskElevated
Refinancing RiskModerate
Asset Quality RiskLow
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskModerate
Balance Sheet Stress Test™
Economic Slowdown86
Acquisition Capacity73
High Interest Rates55
Dividend Sustainability68
Revenue Decline54
Cash Flow Resilience69
Expansion Capacity67
Overall Resilience Score
67/100
Adequate Resilience
AI Balance Sheet Commentary
Overall Assessment
- ICICI Prudential Life Insurance Company Limited maintains a balanced sheet with adequate liquidity and manageable leverage.
What Stands Out
- Net cash position — debt fully covered by cash & investments
- Large cash & investment reserves
- Very low leverage with net cash balance
Areas To Monitor
- Tight short-term liquidity cushion
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026