ICICI Prudential Life Insurance Company Ltd Q1 FY27 Share Price & Earnings Call Analysis

Management guidance · Q1 FY27 call

How ICICI Prudential Life Insurance Company Ltd's management guidance ranks

Revenue: Rank 3Margin: Rank 3

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Financials of ICICI Prudential Life Insurance Company Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of ICICI Prudential Life Insurance Company Ltd

Quarterly Results

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 +	10,984	23,384	17,388	26,430	22,482	25,396	25,158	4,536	15,687	25,401	11,936	22,834	3,185
Expenses +	11,400	23,663	17,682	26,584	22,760	25,362	24,839	4,295	15,272	25,188	11,955	22,093	3,940
Operating Profit	-416	-280	-293	-155	-278	34	319	241	415	213	-19	741	-754
OPM %	-4%	-1%	-2%	-1%	-1%	0%	1%	5%	3%	1%	-0%	3%	-24%
Other Income +	780	496	570	420	549	237	-17	169	183	177	408	-243	1,036
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	364	216	276	265	270	271	302	410	598	390	389	498	281
Tax %	35%	5%	12%	14%	36%	17%	17%	21%	36%	23%	24%	22%	-122%
Net Profit +	235	206	244	227	174	224	251	325	385	301	296	387	624
EPS in Rs	1.64	1.43	1.69	1.58	1.21	1.56	1.74	2.25	2.67	2.08	2.04	2.67	4.30

Financials of ICICI Prudential Life Insurance Company Ltd

Profit & Loss

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 +	34,453	20,849	37,816	38,832	41,463	21,025	83,182	63,564	50,478	89,683	70,778	63,357
Expenses +	32,798	19,008	36,010	37,062	40,922	21,344	83,572	65,728	52,235	90,580	69,621	63,176
Operating Profit	1,655	1,842	1,806	1,771	541	-319	-390	-2,163	-1,757	-897	1,157	181
OPM %	5%	9%	5%	5%	1%	-2%	-0%	-3%	-3%	-1%	2%	0%
Other Income +	43	0	130	132	813	1,578	1,669	3,191	2,925	2,039	558	1,378
Interest	17	0	15	20	23	0	0	0	0	0	0	0
Depreciation	40	0	58	44	57	61	60	67	84	113	134	0
Profit before tax	1,642	1,842	1,863	1,839	1,274	1,198	1,219	961	1,085	1,028	1,582	1,559
Tax %	0%	10%	10%	12%	11%	11%	22%	21%	25%	17%	25%	-3%
Net Profit +	1,640	1,650	1,682	1,619	1,139	1,067	956	759	813	851	1,186	1,608
EPS in Rs	11.46	11.52	11.72	11.28	7.93	7.43	6.66	5.28	5.65	5.90	8.20	11.09
Dividend Payout %	51%	73%	63%	59%	40%	11%	30%	10%	11%	10%	10%	15%

Financials of ICICI Prudential Life Insurance Company Ltd

Balance Sheet

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	1,432	1,432	1,435	1,436	1,436	1,436	1,436	1,437	1,439	1,441	1,445	1,449
Reserves	3,833	3,891	4,971	5,138	5,435	5,777	7,673	7,721	8,651	9,564	10,488	12,182
Borrowings +	0	1,029	0	0	0	0	1,200	1,200	1,200	1,200	2,600	2,595
Other Liabilities +	95,951	98,413	118,335	135,245	156,215	148,818	206,911	234,079	244,562	286,796	299,705	303,509
Total Liabilities	101,215	104,765	124,741	141,819	163,086	156,031	217,220	244,437	255,851	299,001	314,239	319,735
Fixed Assets +	209	212	207	404	463	932	911	433	479	1,168	1,315	711
CWIP	6	7	7	18	13	20	22	54	117	49	36	0
Investments	99,491	103,024	121,581	138,537	159,003	150,776	211,727	238,101	248,216	289,230	303,475	308,079
Other Assets +	1,509	1,522	2,946	2,859	3,607	4,303	4,560	5,848	7,039	8,553	9,412	10,944
Total Assets	101,215	104,765	124,741	141,819	163,086	156,031	217,220	244,437	255,851	299,001	314,239	319,735

Financials of ICICI Prudential Life Insurance Company Ltd

Cash Flows

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 +	523	3,634	4,130	5,690	11,377	8,596	7,314	1,831	89	-7,315	-9,413	-5,355
Cash from Investing Activity +	-1,822	27	-696	-5,389	-7,559	-10,797	-5,084	-816	-1,145	7,420	6,875	7,571
Cash from Financing Activity +	-966	-1,442	-994	-1,188	-843	-405	1,205	-319	-112	-88	1,422	-171
Net Cash Flow	-2,264	2,219	2,439	-887	2,975	-2,606	3,434	696	-1,168	17	-1,116	2,045
Free Cash Flow	471	3,583	4,078	5,622	11,270	-112,909	7,279	1,736	-105	-7,550	-9,668	-5,477
CFO/OP	32%	208%	229%	321%	2,103%	-2,710%	-1,930%	-95%	-21%	790%	-784%	-2,643%

Financials of ICICI Prudential Life Insurance Company Ltd

Ratios

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	3	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	3	0	0	0	0	0	0	0	0	0	0
Working Capital Days	-10	-16	-2	-9	-9	-5	-2	-6	-5	2	3	-1
ROCE %	34%	32%	29%	29%	16%	17%	14%	9%	10%	3%	12%	10%

What ICICI Prudential Life Insurance Company Ltd's management said in earlier quarters

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