AI Summary
✦ ClarthaICICI Lombard is an Indian general insurer offering motor, health, and commercial insurance products. Motor and health provide retail scale, while fire, marine, engineering, aviation, liability, and cyber cover commercial demand. Crop, credit, travel, and home insurance broaden its product base. Recent open-interest activity reflects positive market sentiment but offers no clear operating catalyst for margins or growth. Revenue grew 13.0% year-on-year, ahead of 10.5% profit growth, while margins remained stable. ROE stands at 14.6%, indicating reasonable profitability without evidence of improving earnings quality. Debt-to-equity is unavailable, preventing leverage assessment. At 33.9 times earnings, the stock appears rich relative to 10.5% profit growth. The valuation assumes sustained premium growth and disciplined underwriting, leaving limited room for claims volatility or slower expansion.
Price Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 26 analysts
Fundamentals
Fundamentals institutional score is 49 using EVA spread proxy 2.6%; growth durability 22.1.
Valuation
Valuation institutional score is 80 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 55 using mean target upside 18.7%; dispersion penalty 20.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 73 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 3 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. valuation and technical structure provide support, while fundamentals and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 9.6% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -0.53). Confidence: 88%.
Live forward EPS implies next-12-month EPS of ₹70.31. Applying the stock's normalized valuation corridor produces a fair range of ₹2,384.21 to ₹2,759.67, with base value near ₹2,644.36 (+60.9% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹70.31
Forward P/E
23.4x
Base Fair Value
₹2,644.36
Fair Range
₹2,384.21 - ₹2,759.67
Upside To Base
+60.9%
Estimate Source
Live forward EPS
Growth Estimate
-46.2%
5Y Average
5.85
Current
4.81
Overvalued
6.73
Undervalued
4.97
5Y Average
32.09
Current
33.99
Overvalued
39.25
Undervalued
33.91
5Y Average
2.80
Current
2.96
Overvalued
3.22
Undervalued
2.38
Peers & Comparison
Sector: Financials · Theme: Insurance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 623.0x Premium | +449% vs avg | -5.7% |
BAJAJ FINSERV LTD. BAJAJFINSVInsurance | +19.3% | 6.5% | 31.7x Undervalued | -72% vs avg | +5.9% |
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Undervalued | -48% vs avg | -29.5% |
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.4x Undervalued | -38% vs avg | +1.0% |
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals | -5.6% | 10.0% | 30.7x Undervalued | -73% vs avg | -5.0% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.3x Undervalued | -56% vs avg | +50.1% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.4x Undervalued | -87% vs avg | +58.0% |
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers | +64.0% | 16.3% | 27.7x Undervalued | -76% vs avg | +42.5% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 623.0x Premium | +433% vs avg | -5.7% |
BAJAJ FINSERV LTD. BAJAJFINSVInsurance | +19.3% | 6.5% | 31.7x Undervalued | -73% vs avg | +5.9% |
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Undervalued | -50% vs avg | -29.5% |
ICICI PRU LIFE INS CO LTD ICICIPRULIInsurance | -83.1% | 2.6% | 43.3x Undervalued | -63% vs avg | -19.0% |
SBI LIFE INSURANCE CO LTD SBILIFEInsurance | +18.8% | 2.1% | 70.4x Undervalued | -40% vs avg | +1.0% |
STAR HEALTH & AL INS CO L STARHEALTHInsurance | +1407.8% | 3.6% | 51.6x Undervalued | -56% vs avg | +29.2% |
GO DIGIT GENERAL INS LTD GODIGITInsurance | +8.6% | 4.8% | 49.9x Undervalued | -57% vs avg | -25.7% |
GENERAL INS CORP OF INDIA GICREInsurance | -1.3% | 18.3% | 6.5x Undervalued | -94% vs avg | -10.5% |
ICICI LOMBARD GIC LIMITED trades at a discount (34.0x vs peer avg 113.4x), suggesting potential undervaluation relative to the Insurance cohort. Peers include MAX FINANCIAL SERV LTD, BAJAJ FINSERV LTD., HDFC LIFE INS CO LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹7.09K CrJun 2026Latest net profit
₹403 CrJun 2026Latest EPS
₹8.08Jun 2026Net margin
7.0%Jun 2026Performance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Earnings
Revenue is shown in crores. EPS is rupees per share.
- Revenue
- EPS
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Debt
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales + | 4,716 | 5,271 | 5,194 | 5,391 | 5,601 | 6,147 | 6,161 | 6,051 | 6,396 | 6,869 | 6,905 | 6,825 | 7,088 |
| Expenses + | 4,206 | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 | 5,825 | 6,051 | 6,138 | 6,566 |
| Operating Profit | 510 | 762 | 555 | 690 | 770 | 940 | 962 | 609 | 981 | 1,044 | 854 | 686 | 522 |
| OPM % | 11% | 14% | 11% | 13% | 14% | 15% | 16% | 10% | 15% | 15% | 12% | 10% | 7% |
| Other Income + | 10 | 2 | 19 | 8 | 4 | -21 | -2 | 60 | 13 | 33 | 16 | 32 | 14 |
| 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 | 520 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 | 1,077 | 870 | 718 | 536 |
| Tax % | 25% | 24% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 24% | 24% | 24% | 25% |
| Net Profit + | 390 | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 | 820 | 659 | 547 | 403 |
| EPS in Rs | 7.95 | 11.75 | 8.76 | 10.54 | 11.77 | 14.03 | 14.63 | 10.28 | 15.04 | 16.47 | 13.23 | 10.96 | 8.08 |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Update On Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015
Communication Sent To Shareholders Regarding Transfer Of Equity Shares To Investor Education And Protection Fund (IEPF)