ICICI Lombard General Insurance Company Limited (BOM:540716)

BOM:540716 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Premiums & Annuity Revenue	198,002	168,665	148,228	130,321	100,140
Total Interest & Dividend Income	41,607	30,626	25,862	23,331	19,076
Gain (Loss) on Sale of Investments	405.4	5,463	4,392	7,378	3,588
Other Revenue	189.7	144.53	8,933	7,734	4,512
Total Revenue	240,204	204,898	187,415	168,763	127,315
Revenue Growth (YoY)	17.23%	9.33%	11.05%	32.55%	11.75%
Policy Benefits	139,868	119,395	107,257	97,819	68,708
Policy Acquisition & Underwriting Costs	38,380	33,067	7,627	8,130	7,120
Selling, General & Administrative	2,020	28,649	45,630	39,675	27,758
Provision for Bad Debts	-58.4	441.28	53.13	-23.83	202.66
Other Operating Expenses	11,240	-2,221	5,864	5,907	3,247
Total Operating Expenses	206,607	179,390	166,489	151,563	107,087
Operating Income	33,598	25,508	20,926	17,200	20,229
Interest Expense	-	-36.76	-114.69	-363.67	-399.77
Currency Exchange Gain (Loss)	-384.7	107.25	55.22	-13.77	4.54
Other Non Operating Income (Expenses)	-	-2.02	295.01	-2.25	120.46
EBT Excluding Unusual Items	33,213	25,576	21,161	16,820	19,954
Gain (Loss) on Sale of Assets	-	-24.26	-35.85	14.65	0.25
Other Unusual Items	-	-	-	-	-414.73
Pretax Income	33,213	25,552	21,125	16,835	19,540
Income Tax Expense	8,130	6,366	3,835	4,125	4,809
Net Income	25,083	19,186	17,291	12,710	14,731
Net Income to Common	25,083	19,186	17,291	12,710	14,731
Net Income Growth	30.74%	10.96%	36.04%	-13.72%	23.40%
Shares Outstanding (Basic)	494	492	491	491	455
Shares Outstanding (Diluted)	499	495	492	492	456
Shares Change (YoY)	0.90%	0.59%	-0.07%	7.83%	0.13%
EPS (Basic)	50.74	39.03	35.21	25.91	32.41
EPS (Diluted)	50.25	38.78	35.16	25.82	32.27
EPS Growth	29.58%	10.30%	36.17%	-19.99%	23.21%
Free Cash Flow	9,162	22,163	21,692	7,332	16,946
Free Cash Flow Per Share	18.35	44.80	44.11	14.90	37.13
Dividend Per Share	12.500	11.000	10.000	9.000	8.000
Dividend Growth	13.64%	10.00%	11.11%	12.50%	128.57%
Operating Margin	13.99%	12.45%	11.16%	10.19%	15.89%
Profit Margin	10.44%	9.36%	9.23%	7.53%	11.57%
Free Cash Flow Margin	3.81%	10.82%	11.57%	4.35%	13.31%
EBITDA	34,074	25,983	22,330	18,594	21,509
EBITDA Margin	14.19%	12.68%	11.92%	11.02%	16.89%
D&A For EBITDA	475.85	475.85	1,404	1,394	1,280
EBIT	33,598	25,508	20,926	17,200	20,229
EBIT Margin	13.99%	12.45%	11.16%	10.19%	15.89%
Effective Tax Rate	24.48%	24.91%	18.15%	24.50%	24.61%

Updated Jan 17, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.