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ICICI Lombard General Insurance Company Ltd Q2 FY27 results are out (Jul–Sep 2026) →Revenue ₹8,220 Cr +19.7% YoYSee revenue, profit and what management said. You are viewing Q1 FY27.
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ICICI Lombard General Insurance Company Ltd

Q1 FY27Insurance

ICICI Lombard General Insurance Company Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management said on revenue, margins and capex.

Revenue
₹7,088Cr
+10.8% YoY
+3.9% QoQ
Net profit
₹403Cr
−46.1% YoY
−26.3% QoQ
Margin
7%
−8 pp YoY
−3 pp QoQ

What the Q1 FY27 call signalled

2 of 4 strong

RevenueModerate growth
MarginMargins steady
CapexCapex planned
Order bookOrder book rising
Price₹1,501
Market cap₹72.8K Cr
P/E30.0

The short version

The company reported a 7.5% growth in Gross Direct Premium Income (GDPI) in Q1 FY2027, driven mainly by retail lines, slightly below the industry growth of 10.9%. Profit after tax (PAT) for Q1 FY2027 declined by 46% YoY to ₹4.03 billion, primarily due to two large fire segment losses and the Supreme Court judgement impact on Motor TP portfolio.

From ICICI Lombard General Insurance Company Ltd's Q1 FY27 earnings-call transcript · updated 24 Sept 2026.

Revenue & Sales Performance

Moderate growth
  • The company reported a 7.5% growth in Gross Direct Premium Income (GDPI) in Q1 FY2027, driven mainly by retail lines, slightly below the industry growth of 10.9%.
  • Health segment is the fastest-growing, with Q1 FY2027 growth at 24.9%, outperforming the industry (20.1%), led by strong Retail Health growth of 69.5%.
  • Retail Health business is rapidly expanding, increasing market share to 4.5% from 3.5% in Q1 FY2026.
  • Motor segment growth stands at 14.0%, aligned with industry growth; new vehicle sales up 33.6%, outpacing industry 14.9%.
  • Commercial lines segment saw 13.8% de-growth due to a disciplined approach focused on SME growth, which increased to 33.6% share.

2 more points from ICICI Lombard General Insurance Company Ltd's call on revenue

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Profitability & Margins

Profit after tax (PAT) for Q1 FY2027 declined by 46% YoY to ₹4.03 billion, primarily due to two large fire…

Locked: what ICICI Lombard General Insurance Company Ltd said on margins

Also locked on this page: fundraising, order book

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Capital Expenditure Plans

Capex planned
The discussion primarily focuses on underwriting, reserving philosophy, claims experience initiatives (such as "IL-Sahayak"), industry environment, and financial performance. Key points relevant to investments or strategic initiatives include: - Emphasis on improving customer experience at the time of claim through initiatives like "IL-Sahayak." - Continued focus on technology and organizational efficiencies to manage Motor and Health insurance portfolios. - Commitment to profitable growth and sustainable value creation. For detailed capex or future investments, reviewing other sections of the full report or official disclosures may be necessary.

Top-ranked in Insurance

Ranked on what management guided this quarter

Guidance-ranked
1Niva Bupa Health
Rev 2Mar 3
2Max Financial
Rev 3Mar 2
3
Rev 3Mar 3
4
Rev 3Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

Key points related to financials and outlook include:

Locked: what ICICI Lombard General Insurance Company Ltd said on fundraising

Also locked on this page: margins, order book

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Order Book & Pipeline

See what ICICI Lombard General Insurance Company Ltd said on order book & pipeline — free account, 30 seconds.

ICICI Lombard General Insurance Company Ltd — Quarterly revenue & net profit

Revenue Net profit
Jun 2025Q1 FY26
Sep 2025Q2 FY26
Dec 2025Q3 FY26
Mar 2026Q4 FY26
Jun 2026Q1 FY27
Sep 2026Q2 FY27

ICICI Lombard General Insurance Company Ltd Q1 FY27 results — key figures

ICICI Lombard General Insurance Company Ltd Q1 FY27 reported results vs Q1 FY26, ₹ crore
₹ CrQ1 FY27Q1 FY26YoYQ4 FY26QoQ
Revenue7,0886,396+10.8%6,825+3.9%
Operating profit (EBITDA)522981-46.8%686-23.9%
Operating margin7%15%-8 pp10%-3 pp
Profit before tax536994-46.1%718-25.3%
Net profit (PAT)403747-46.1%547-26.3%
EPS (₹)8.0815.04-46.3%10.96-26.3%

Source: reported quarterly figures (Screener), ₹ crore.

Reported quarterly figures (₹ Cr). Latest (Q2 FY27): revenue ₹8.2K Cr, net profit ₹946 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.

Full financials →

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What ICICI Lombard's management said in earlier quarters

Earlier calls (8)

Others in Insurance this season

  • Star Health Insu (Q1 FY27)

    Growth is fueled by deepening proprietary distribution (agency and digital D2C) which contributes over 90% of retail business and is expanding steadily…

  • Niva Bupa Health (Q1 FY27)

    Group portfolio growth remains selective, focusing on profitable segments like SMEs growing over 50% (Page 6). Key concall takeaways from Niva Bupa Health's Q1…

  • HDFC Life Insurance Company (Q1 FY27)

    Agency channel growing strongly at around 21%, driven by new agents and branch expansion. Key concall takeaways from HDFC Life Insurance Company's Q1 FY27 earni

  • Go Digit General (Q1 FY27)

    Motor business is flat overall; strong growth in 2-wheeler segment (around 21-23%), but decline in commercial vehicles (-27%). Key concall takeaways from Go…

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Frequently Asked Questions

What were ICICI Lombard General Insurance Company Ltd Q1 FY27 results?

The company reported a 7.5% growth in Gross Direct Premium Income (GDPI) in Q1 FY2027, driven mainly by retail lines, slightly below the industry growth of 10.9%. Profit after tax (PAT) for Q1 FY2027 declined by 46% YoY to ₹4.03 billion, primarily due to two large fire segment losses and the Supreme Court judgement impact on Motor TP portfolio.

What is ICICI Lombard General Insurance Company Ltd share price analysis?

ICICI Lombard General Insurance Company Ltd currently shows a below-average growth signal. The stock trades at a P/E of 30.0 with a market cap of ₹72,848 Cr. Investors should review the full earnings analysis for detailed insights.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.