Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of ICICI Lombard General Insurance Company Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales + | 4,519 | 4,716 | 5,271 | 5,194 | 5,391 | 5,601 | 6,147 | 6,161 | 6,051 | 6,396 | 6,869 | 6,905 | 6,825 |
| Expenses + | 4,874 | 4,206 | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 | 5,825 | 6,051 | 6,138 |
| Operating Profit | -355 | 510 | 762 | 555 | 690 | 770 | 940 | 962 | 609 | 981 | 1,044 | 854 | 686 |
| OPM % | -8% | 11% | 14% | 11% | 13% | 14% | 15% | 16% | 10% | 15% | 15% | 12% | 10% |
| Other Income + | 928 | 10 | 2 | 19 | 8 | 4 | -21 | -2 | 60 | 13 | 33 | 16 | 32 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 573 | 520 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 | 1,077 | 870 | 718 |
| Tax % | 24% | 25% | 24% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 24% | 24% | 24% |
| Net Profit + | 437 | 390 | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 | 820 | 659 | 547 |
| EPS in Rs | 8.90 | 7.95 | 11.75 | 8.76 | 10.54 | 11.77 | 14.03 | 14.63 | 10.28 | 15.04 | 16.47 | 13.23 | 10.96 |
Financials of ICICI Lombard General Insurance Company Ltd
Annual income statement trend
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales + | 4,234 | 6,033 | 7,520 | 6,912 | 11,163 | 11,517 | 12,161 | 16,026 | 17,876 | 20,572 | 23,961 | 26,994 |
| Expenses + | 4,456 | 5,269 | 6,601 | 7,174 | 9,494 | 9,745 | 10,090 | 15,010 | 16,612 | 17,918 | 20,554 | 23,429 |
| Operating Profit | -221 | 764 | 919 | -262 | 1,669 | 1,772 | 2,072 | 1,016 | 1,264 | 2,654 | 3,407 | 3,565 |
| OPM % | -5% | 13% | 12% | -4% | 15% | 15% | 17% | 6% | 7% | 13% | 14% | 13% |
| Other Income + | 992 | 0 | -2 | 1,569 | -2 | 15 | 12 | 809 | 991 | 35 | 39 | 94 |
| Interest | 12 | 0 | 0 | 59 | 70 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 54 | 57 | 7 | 51 | 0 | 90 | 130 | 141 | 142 | 134 | 124 | 0 |
| Profit before tax | 705 | 708 | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,555 | 3,321 | 3,659 |
| Tax % | 17% | 28% | 23% | 28% | 34% | 30% | 25% | 24% | 18% | 25% | 24% | 24% |
| Net Profit + | 585 | 507 | 702 | 862 | 1,049 | 1,194 | 1,473 | 1,271 | 1,729 | 1,919 | 2,508 | 2,772 |
| EPS in Rs | 13.11 | 11.34 | 15.56 | 18.98 | 23.10 | 26.27 | 32.40 | 25.89 | 35.21 | 38.94 | 50.60 | 55.61 |
| Dividend Payout % | 15% | 26% | 22% | 17% | 26% | 13% | 25% | 35% | 28% | 28% | 25% | 24% |
Financials of ICICI Lombard General Insurance Company Ltd
Capital structure and asset base
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 447 | 448 | 451 | 454 | 454 | 454 | 455 | 491 | 491 | 493 | 496 | 498 |
| Reserves | 2,439 | 2,789 | 3,450 | 4,087 | 4,946 | 5,680 | 7,144 | 8,702 | 9,953 | 11,712 | 13,989 | 16,135 |
| Borrowings + | 0 | 0 | 485 | 485 | 485 | 485 | 485 | 255 | 35 | 35 | 0 | 0 |
| Other Liabilities + | 11,760 | 12,440 | 18,965 | 24,723 | 27,517 | 30,423 | 31,214 | 41,401 | 44,607 | 51,068 | 54,535 | 59,477 |
| Total Liabilities | 14,646 | 15,676 | 23,351 | 29,750 | 33,403 | 37,042 | 39,298 | 50,848 | 55,086 | 63,308 | 69,020 | 76,111 |
| Fixed Assets + | 381 | 510 | 516 | 368 | 1,965 | 664 | 717 | 941 | 883 | 930 | 728 | 839 |
| CWIP | 9 | 10 | 11 | 38 | 17 | 12 | 14 | 11 | 25 | 94 | 74 | 0 |
| Investments | 10,200 | 11,426 | 14,806 | 18,193 | 20,714 | 26,327 | 30,788 | 38,412 | 42,836 | 48,584 | 53,508 | 58,421 |
| Other Assets + | 4,056 | 3,730 | 8,018 | 11,151 | 10,707 | 10,039 | 7,779 | 11,485 | 11,342 | 13,700 | 14,710 | 16,851 |
| Total Assets | 14,646 | 15,676 | 23,351 | 29,750 | 33,403 | 37,042 | 39,298 | 50,848 | 55,086 | 63,308 | 69,020 | 76,111 |
Financials of ICICI Lombard General Insurance Company Ltd
Operating, investing and financing cash movement
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -98 | 511 | 1,628 | 2,390 | 2,976 | 3,433 | 1,774 | 809 | 2,290 | 2,407 | 1,147 | 2,622 |
| Cash from Investing Activity + | 171 | -310 | -1,990 | -1,896 | -2,856 | -3,382 | -1,367 | 135 | -1,685 | -1,921 | -1,137 | -1,733 |
| Cash from Financing Activity + | -93 | -148 | 361 | -96 | -310 | -420 | -212 | -879 | -695 | -355 | -257 | -336 |
| Net Cash Flow | -20 | 53 | -1 | 398 | -190 | -369 | 195 | 65 | -90 | 131 | -247 | 554 |
| Free Cash Flow | -150 | 459 | 1,574 | 2,315 | 2,860 | 3,130 | 1,695 | 737 | 2,170 | 2,217 | 918 | 2,380 |
| CFO/OP | 44% | 67% | 177% | -912% | 178% | 222% | 103% | 117% | 206% | 115% | 57% | 110% |
Financials of ICICI Lombard General Insurance Company Ltd
Working capital efficiency and return ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 292 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 292 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -576 | -532 | -521 | -720 | -564 | -670 | -705 | -690 | -685 | -661 | -603 | -599 |
| ROCE % | 27% | 23% | 24% | 17% | 31% | 27% | 27% | 19% | 21% | 23% | 25% | 24% |