Fact based stock research
ICICI Prudential Life Insurance (BSE:540133)

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How to read the free ranks

For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

ICICI Prudential Life Insurance stock research in summary

iciciprulife.com

ANALYSIS: With an Obermatt Combined Rank of 92 (better than 92% compared with investment alternatives), ICICI Prudential Life Insurance (Life & Health Insurance, India) shares have much better financial characteristics than comparable stocks. Shares of ICICI Prudential Life Insurance are low in value (priced high) with a consolidated Value Rank of 23 (worse than 77% of alternatives) and show below-average growth (Growth Rank of 43) but are safely financed (Safety Rank of 100), which means low debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 92, is a strong buy recommendation based on ICICI Prudential Life Insurance's financial characteristics. As the company ICICI Prudential Life Insurance's critical financial metrics exhibit below-average performance, such as low value (Obermatt Value Rank of 23) and low growth (Obermatt Growth Rank of 43), it is a somewhat questionable stock investment, where the risk of paying too much for the shares is significant, unless the company has an exceptionally bright future. In this case, good financing practices (Obermatt Safety Rank of 100) are a positive sign, because it may allow the company to weather challenging times until the hoped-for cash flows materialize. This may be true for high-tech or biotechnology companies with enough cash to sustain prolonged business development. If they own properties that only provide cash flows in the future, the stock may look excessively expensive and unattractive today. In such cases, the Obermatt Method has limited value, as it is based on facts we can observe today. If the facts lie all in the future, stock investing becomes guesswork, and this should only be a driver in a limited number of investments that account for a small fraction of a safe portfolio. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	23
Growth Rank	43
Safety Rank	100
Combined Rank	92

Country	India
Industry	Life & Health Insurance
Index	Good Governace Growth Markets
Size class	X-Large

This stock has achievements: Top 10 Stock.

5-Jun-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: ICICI Prudential Life Insurance

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	19	21	21	23
GROWTH
GROWTH	65	71	73	43
SAFETY
SAFETY	100	100	100	100
SENTIMENT
SENTIMENT	80	20	7	^new
360° VIEW
360° VIEW	60	14	14	^new

Most recent update of the stock research: 5-Jun-2025. Financial reporting date used for calculating ranks: 31-Dec-2024. Stock research history is based on the Obermatt Method. The higher the rank, the better ICICI Prudential Life Insurance is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	19	21	21	23
GROWTH
GROWTH	65	71	73	43
SAFETY
SAFETY	100	100	100	100
COMBINED
COMBINED	92	92	92	92

Last update of combined financial performance: 6-Oct-2022. Stock analysis on combined financial performance: The higher the rank of ICICI Prudential Life Insurance the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 23 (worse than 77% compared with alternatives), ICICI Prudential Life Insurance shares are significantly more expensive than comparable stocks. The Value Rank is based on consolidating four value indicators, where the majority of metrics are below, and only one is above average for ICICI Prudential Life Insurance. Price-to-Sales (P/S) is 71, which means that the stock price compared with what market professionals expect for future sales is lower than 71% of comparable companies, indicating a good value concerning to ICICI Prudential Life Insurance's revenue size. But all other performance indicators point in a different direction. Dividend yields have a Dividend Yield rank of 19, meaning that dividends are expected to be lower than for 81% of comparable investments. Furthermore, Price-to-Book Capital (also referred to as market-to-book ratio) is less favorable than 97% of alternatives (only 3% of peers have an even higher ratio). The same is valid for Price-to-Profit (or Price / Earnings, P/E), which is higher than for 97% of comparable companies, making the stock more expensive compared with the company's expected profit levels. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 23, is a sell recommendation based on ICICI Prudential Life Insurance's stock price compared with the company's operational size and dividend yields. Since Price-to-Sales is a stable value indicator even in challenging times, investing in ICICI Prudential Life Insurance could be seen as a value investment. However, there must be a good reason for the low market-to-book rank. If the company has a typical capital investment practice, the stock may be overvalued because the profit and dividend-related performance indicators are also low. The stock is only good value if investors can expect profits and dividends to pick up in the future. Else, ICICI Prudential Life Insurance looks like an expensive investment today. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is especially important in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	62	62	72	71
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	7	7	3	3
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	9	11	11	3
DIVIDEND YIELD
DIVIDEND YIELD	20	22	24	19
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	19	21	21	23

Last update of Value Rank: 5-Jun-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of ICICI Prudential Life Insurance; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 43 (better than 43% compared with alternatives), ICICI Prudential Life Insurance shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with half of the indicators below and half above average for ICICI Prudential Life Insurance. Sales Growth has a rank of 65 which means that currently professionals expect the company to grow more than 65% of its competitors. Stock Returns are also above average with a rank of 53. But Capital Growth has only a rank of 19, which means that currently professionals expect the company to grow its invested capital less than 81% of its competitors. Profit Growth is also low, with a rank of only 49, which means that, currently, professionals expect the company to grow its profits below average. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 43, is a hold recommendation for growth and momentum investors. This is a surprising picture, as the messages from the operating growth indicators of revenues, profits, and invested capital are mixed, while stock returns are above average. It may indicate new intellectual properties, such as brand improvement or a strong market position that shows in revenues but not in the capital. The low profit-growth rate may indicate an early phase where costs are still high, and revenues don't fully cover upfront investments or fixed costs. The positive investor outlook with a 53% peer outperformance is reaffirmed in this case which may be a good sign for an investment into a well-protected high-growth company. This fact needs to be confirmed by researching the company website and press. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	62	58	77	65
PROFIT GROWTH
PROFIT GROWTH	33	82	76	49
CAPITAL GROWTH
CAPITAL GROWTH	79	41	49	19
STOCK RETURNS
STOCK RETURNS	61	47	57	53
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	65	71	73	43

Last update of Growth Rank: 5-Jun-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of ICICI Prudential Life Insurance.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 100 (better than 100% compared with alternatives) for 2022, the company ICICI Prudential Life Insurance has safe financing practices, which means that their overall debt burden is low. This doesn't mean that the business of ICICI Prudential Life Insurance is safe, it only means that the company is on the safer side regarding possible bankruptcy, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, where all three are above average for ICICI Prudential Life Insurance. Leverage is at 65, meaning the company has a below-average debt-to-equity ratio. It has less debt than 65% of its competitors. Refinancing is at a rank of 100, meaning that the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 100% of its competitors. Finally, Liquidity is also good at a rank of 72, which means that the company generates more profit to service its debt than 72% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 100 (better than 100% compared with alternatives), ICICI Prudential Life Insurance has a financing structure that is significantly safer than that of its competitors. These three positive financing indicators signal that the company is less likely to default on its debt obligations. However, it also means that its shareholder returns will be more modest if things go well. A low safety means fewer troubles in downtimes and less upside in good times. Investors may not have a debt issue with ICICI Prudential Life Insurance but they should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	76	80	77	65
REFINANCING
REFINANCING	100	100	100	100
LIQUIDITY
LIQUIDITY	94	88	82	72
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	100	100	100	100

Last update of Safety Rank: 6-Oct-2022. Stock analysis on safety metrics: The higher the rank, the lower the leverage of ICICI Prudential Life Insurance and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	60	47	^new
OPINIONS CHANGE
OPINIONS CHANGE	43	50	31	^new
PRO HOLDINGS
PRO HOLDINGS	67	1	17	^new
MARKET PULSE
MARKET PULSE	65	59	34	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	80	20	7	^new

Last update of Sentiment Rank: 5-Jun-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for ICICI Prudential Life Insurance.
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