ICICI Lombard General Insurance Company Limited Earnings Summary — Q1 FY2027
ICICI Lombard Commences FY2027 with Steady Growth and Expansion of Strategic Leadership Roles
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue grew 3.9% sequentially in Q1 FY2027.
- Revenue of ₹7,088 Cr is 10.8% higher year-on-year.
- Revenue has compounded at 12.9% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
- Net profit of ₹403 Cr is 46.0% below the same quarter last year.
- Profit growth is trailing revenue growth this quarter.
- Net profit has compounded at -10.7% annualised across the period.
- Operating margin stands at 7.4% in Q1 FY2027.
- Operating margin compressed by 796 bps year-on-year.
- Over the last two years operating margin has contracted by 638 bps.
- PBT margin is 7.6%.
- Expenses grew 21.3% against revenue growth of 10.8%.
- Operating profit of ₹522 Cr is 46.8% lower year-on-year.
- Operating leverage has been under pressure recently.
- 6 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 44/100 (Moderate) on the latest 10 quarters.
- Business momentum has softened and warrants monitoring.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Improving | 7,088 | 6,825 | 6,905 | 6,869 | 6,396 | 6,051 | 6,161 | 6,147 | 5,601 | 5,391 |
| Expenses | Improving | 6,566 | 6,138 | 6,051 | 5,825 | 5,415 | 5,443 | 5,199 | 5,207 | 4,831 | 4,701 |
| Operating Profit | Stable | 522 | 686 | 854 | 1,044 | 981 | 609 | 962 | 940 | 770 | 690 |
| Operating Margin | Softening | 7.4% | 10.1% | 12.4% | 15.2% | 15.3% | 10.1% | 15.6% | 15.3% | 13.8% | 12.8% |
| Other Income | Volatile | 14 | 32 | 16 | 33 | 13 | 60 | -2 | -21 | 4 | 8 |
| Interest | Insufficient data | — | — | — | — | — | — | — | — | — | — |
| Depreciation | Insufficient data | — | — | — | — | — | — | — | — | — | — |
| Profit Before Tax | Stable | 536 | 718 | 870 | 1,077 | 994 | 668 | 960 | 919 | 774 | 698 |
| Tax | Stable | 133 | 172 | 211 | 258 | 247 | 159 | 236 | 225 | 194 | 178 |
| Net Profit | Stable | 403 | 547 | 659 | 820 | 747 | 510 | 724 | 694 | 580 | 520 |
| Net Margin | Softening | 5.7% | 8.0% | 9.5% | 11.9% | 11.7% | 8.4% | 11.8% | 11.3% | 10.4% | 9.6% |
Key Takeaways
- ICICI Lombard reported its performance for the quarter ended June 30, 2026 (Q1 FY2027) on July 15, 2026.
- The Board of Directors approved the extension of Mr. Vinod Mahajan's tenure as Chief Investment Officer through April 30, 2029.
- The company continues to maintain its leading position in the private general insurance industry with a consistent market share.
- Promoter shareholding remains stable at approximately 51.28% as of the end of June 2026.
- Institutional interest remains high, with FII and DII combined holding exceeding 41% of total equity.
- The company recently faced a legal setback with an Arbitral Tribunal awarding ₹776.73 million plus interest against it on July 13, 2026.
Management Guidance
Management focus remains on maintaining market leadership in the private general insurance segment while ensuring stable investment returns through the extension of key leadership in the CIO functions.
Sentiment Shift
Stable
The company maintains its dominant market position and institutional support, though specific quarterly financial growth figures were not disclosed in the provided summary text.
Outlook
The outlook remains focused on balancing growth in GDPI against operating loss ratios, with a particular emphasis on the Motor and Health insurance mix.
From the Annual Report (Key Quotes)
“Board approved Q1 FY27 audited results and extended CIO Vinod Mahajan's tenure to April 30, 2029.”
“Arbitral Tribunal awards ₹776.73 million plus 7.5% interest against ICICI Lombard on July 13, 2026.”
Official Quarterly Documents
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This summary is AI-generated from ICICI Lombard General Insurance Company Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.
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