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ICICI Lombard General Insurance Company
ICICI Lombard General Insurance Company (ICICIGI) investor relations material
ICICI Lombard General Insurance Company Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary13 Jan, 2026
Executive summary
Reported strong Q3 and 9-month FY2026 results, with robust growth in health and fire segments, improved market share, and a legacy of trust and market leadership.
Celebrated 25 years of operations, emphasizing strategic focus on profitable growth, diversified products, risk management, customer service, technology, and prudent capital management.
Upgraded MSCI ESG rating to AAA, highlighting strong ESG practices and disclosures.
Audited financial results for the quarter and nine months ended December 31, 2025, were approved by the Board, with an unmodified opinion from joint statutory auditors.
Digital transformation initiatives, such as the IL TakeCare app, drove customer engagement and operational efficiency.
Financial highlights
Gross Direct Premium Income (GDPI) grew 3.6% year-over-year to INR 213.72 billion for 9-month FY2026; Q3 GDPI up 13.3% to INR 70.41 billion.
Profit after tax for 9M2026 reached INR 22.25 billion, up 11.3% year-over-year; Q3 PAT declined 9.1% to INR 6.59 billion.
Investment income increased to INR 37.57 billion for 9-month FY2026, with capital gains at INR 9.33 billion.
Combined ratio for 9M2026 was 104.2%; excluding wage code impact, combined ratio was 103.9%.
Solvency ratio at 2.69x as of December 31, 2025, well above regulatory minimum.
Outlook and guidance
Aims to outperform industry growth by 100–200 basis points, leveraging strong demand and digital capabilities.
Targets sustaining ROE in the 18–20% range, focusing on profitable growth and market share gains.
Continued focus on profitable growth, technology adoption, and expanding distribution channels.
Emphasis on strengthening retail health and motor segments, and maintaining leadership in commercial lines.
Financial results for the quarters are not indicative of full year's expected performance due to industry seasonality.
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Latest summaries
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Earnings and sales grew across all segments, with higher 2026 guidance and ongoing share buybacks. - RSI
Record financial results, all motions passed, and LEAP project remains a strategic priority. - COST
January sales climbed 9.3% to $21.33B, with digital sales up 34.4%. - FR
FFO per share rose 11.7% in 2025, with robust rental growth and a higher dividend. - ALCO
Land sales and leasing drove improved profitability and strong liquidity as citrus operations ended. - PAHC
Net sales and profit surged on acquisition, with raised outlook and strong liquidity. - PTC
Q1'26 saw double-digit growth, margin gains, and major share repurchases, with a strong FY'26 outlook. - MKL
Operating income rose to $3.2B, with broad-based growth and improved insurance profitability. - UHAL
Q3 net loss of $37M on higher costs and depreciation, but self-storage revenue increased. - SITM
Acquisition accelerates growth to $1B revenue, expanding leadership in precision timing.
Next ICICI Lombard General Insurance Company earnings date
Q4 25/2620 Apr, 2026
ICICI Lombard General Insurance Company
Next ICICI Lombard General Insurance Company earnings date
Q4 25/2620 Apr, 2026
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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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