ICICI Pru Life (ICICIPRULI)

FairStock Score: 45/100 — MIXED

Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I sit with the numbers for ICICI Pru Life at ₹509.15 and a ₹73,814 Cr market cap. On the surface, this life insurer has some Graham-friendly marks: debt/equity is only 0.19, free cash flow is ₹2,216 Cr, promoter holding is 72.88%, and the Piotroski F-Score is 7/9. Return on equity is 12.58% and ROCE 11.94%, respectable but not exceptional. The problem is growth and price. Sales growth is -83.10%, the five-year revenue CAGR is -5.30%, and the latest quarter shows ₹22,834 Cr of sales converting into only ₹387 Cr of net profit. Profit growth of 61.40% is encouraging, but it stands against shrinking revenue and a FairStock score of 45/100, so I cannot treat it as durable. Valuation gives me no comfort. P/E is 43.85, P/B is 5.41, PEG is 3.25, and EV/EBITDA is 188.25. Graham Number is ₹132.68, while the stock trades at ₹509.15; that leaves a margin of safety of -393.29%. The Altman Z-Score of 0.47 is weak, and dividend yield is only 0.32%. The 52-week range is ₹442.00–₹706.80. At ₹509.15, the market is pricing in a lot more than the reported growth supports, and the 52-week low of ₹442.00 is still far above the Graham Number. As a value investor, I see a mixed business: decent balance-sheet discipline but high expectations and negative top-line momentum. I would wait for evidence that sales are stabilising, profits are converting into cash, and the balance-sheet score improves before paying such a premium.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer