ICICI Lombard General Insurance Company Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management said on revenue, margins and capex.
- Revenue
- ₹6,825Cr
- +12.8% YoY
- −1.2% QoQ
- Net profit
- ₹547Cr
- +7.3% YoY
- −17% QoQ
- Margin
- 10%
- 0 pp YoY
- −2 pp QoQ
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The short version
Motor segment growth is expected to continue positively, with a higher single-digit industry growth forecast for FY27. The company is optimistic about growth momentum continuing into FY27, particularly in H1 and H2, supported by improving market conditions and regulatory reforms (Page 31).
From ICICI Lombard General Insurance Company Ltd's Q4 FY26 earnings-call transcript · updated 24 Sept 2026.
Revenue & Sales Performance
- Motor segment growth is expected to continue positively, with a higher single-digit industry growth forecast for FY27.
- The company showed stronger growth in H2 FY2026, outperforming industry growth in motor insurance (12.0% vs. 10.5% in H2).
- Continued growth momentum from Q3 to Q4 FY2026 is expected to carry into FY27, with a positive outlook.
- Growth in Commercial Vehicles (CV) is supported by new vehicle sales growth and the company’s retention initiatives.
- The Retail Health business is growing strongly (51.1% in FY2026), expected to sustain growth and increase market share.
- Competitive pressure and pricing remain challenges, especially in Commercial lines, but prudent underwriting is maintained.
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Profitability & Margins
The company is optimistic about growth momentum continuing into FY27, particularly in H1 and H2, supported…
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Capital Expenditure Plans
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Top-ranked in Insurance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
The company plans to continue balancing capital utilization between growth and rewarding shareholders,…
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Order Book & Pipeline
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ICICI Lombard General Insurance Company Ltd — Quarterly revenue & net profit
ICICI Lombard General Insurance Company Ltd Q4 FY26 results — key figures
| ₹ Cr | Q4 FY26 | Q4 FY25 | YoY | Q3 FY26 | QoQ |
|---|---|---|---|---|---|
| Revenue | 6,825 | 6,051 | +12.8% | 6,905 | -1.2% |
| Operating profit (EBITDA) | 686 | 609 | +12.6% | 854 | -19.7% |
| Operating margin | 10% | 10% | 0 pp | 12% | -2 pp |
| Profit before tax | 718 | 668 | +7.5% | 870 | -17.5% |
| Net profit (PAT) | 547 | 510 | +7.3% | 659 | -17% |
| EPS (₹) | 10.96 | 10.28 | +6.6% | 13.23 | -17.2% |
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.
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What ICICI Lombard's management said in earlier quarters
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Fresh retail business growth driven by both value and volume, with retail policies expanding by 11% YoY in Q4 FY26. Key concall takeaways from Star Health &…
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were ICICI Lombard General Insurance Company Ltd Q4 FY26 results?
Motor segment growth is expected to continue positively, with a higher single-digit industry growth forecast for FY27. The company is optimistic about growth momentum continuing into FY27, particularly in H1 and H2, supported by improving market conditions and regulatory reforms (Page 31).
What is ICICI Lombard General Insurance Company Ltd share price analysis?
ICICI Lombard General Insurance Company Ltd currently shows a neutral. 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.