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ICICI Lombard General Insurance Company (ICICIGI) investor relations material
ICICI Lombard General Insurance Company Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary15 Jul, 2025
Executive summary
Gross direct premium income grew 0.6% year-over-year to INR 77.35 billion, lagging industry growth of 8.8%.
Profit after tax rose 28.7% year-over-year to INR 7.47 billion, with return on average equity at 20.5%.
Maintained leadership in engineering, marine cargo, and motor segments, with a 10.5% market share in motor.
Enhanced digital transformation, with 99.7% of 8.9M policies issued electronically and app downloads exceeding 16.6 million.
Focused on capital conservation, robust solvency (2.70x), and diversified product and distribution channels.
Financial highlights
Gross Written Premium for Q1 FY26 was ₹80.53B, up 1.5% year-over-year; GDPI grew 0.6% to ₹77.35B.
Profit after tax for the quarter was ₹74,708 lakhs, up from ₹58,037 lakhs year-over-year.
Investment assets increased to INR 554.53 billion from INR 535.08 billion sequentially.
Combined ratio stood at 102.9% in Q1 FY26, slightly higher than 102.3% in Q1 FY25.
Solvency ratio at 2.7x as of June 30, 2025, well above the regulatory minimum.
Outlook and guidance
Positive outlook for commercial lines due to improved pricing and infrastructure growth.
Expectation of continued growth in health insurance, supported by economic and regulatory factors.
Q1 FY26 numbers are not directly comparable to prior periods due to new IRDAI accounting norms for long-term products.
Continued focus on profitable growth, digital transformation, and expanding market share in underpenetrated regions.
Financial results for the quarter are not indicative of full-year performance due to industry seasonality.
How long can motor competitive intensity persist?
Impact of 1/n accounting norm on health growth?
Crop insurance growth outlook for current year?
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Next ICICI Lombard General Insurance Company earnings date
Q2 25/2614 Oct, 2025
Next ICICI Lombard General Insurance Company earnings date
Q2 25/2614 Oct, 2025
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Frequently asked questions
ICICI Lombard General Insurance Company Ltd provides a range of general insurance products, including motor, health, travel, and home insurance. The company serves individuals and businesses through digital platforms and physical distribution channels. It is headquartered in Mumbai, India, and its shares are listed on the NSE.
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