ICICI Prudential Life Insurance Company Limited (ICICIPRULI.NS) stock analysis

In our weekly check, ICICI Prudential Life Insurance Company Limited is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 6.

About ICICI Prudential Life Insurance Company Limited

ICICI Prudential Life Insurance Company Limited is a Financial Services company (Insurance - Life) based in India, listed on NSE as ICICIPRULI.NS.

What our checks show for ICICIPRULI.NS

Red flags

• The gross margin fell by 5.5 points, to 91.8%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• The net margin is only 2.7%: little room if costs rise.
• Free cash flow is negative (-8.2% of revenue): the business spends more cash than it brings in.
• Return on capital (ROCE) is only 1.1%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Analysts expect the net margin to shrink by 0.4 points from today's 2.7%.
• The stock has fallen as much as 55% from a peak. Would you have held through that?

Strengths

• The net margin rose by 1.4 points over 5 years, to 2.7%.
• Analysts expect earnings per share to grow about 10.9% a year over the next years.
• Analysts expect revenue to grow about 16.1% a year over the next years.
• Earnings per share grew 29.4% a year over the last 3 years.
• Net profit grew 29.6% a year over the last 3 years.
• The dividend takes 0% of profit: there is a cushion.

Next earnings report: 2027-01-19

Similar companies

2883.TW · 1299.HK · MFSL.NS · 2628.HK · HDFCLIFE.NS · SBILIFE.BO

Questions

What grade does ICICI Prudential Life Insurance Company Limited (ICICIPRULI.NS) have?

In our weekly check, ICICI Prudential Life Insurance Company Limited is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ICICIPRULI.NS stock?

This week's biggest flags for ICICI Prudential Life Insurance Company Limited: Gross margin falling, Profits not backed by cash, Thin margins. In total 8 of 24 checks show a warning or a red flag.

What does ICICI Prudential Life Insurance Company Limited do?

ICICI Prudential Life Insurance Company Limited is a Financial Services company (Insurance - Life) based in India, listed on NSE as ICICIPRULI.NS.

When does ICICI Prudential Life Insurance Company Limited report earnings next?

The next earnings report is expected on 2027-01-19. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

Open the full analysis