ICICI Lombard ka Q4 report: Thoda upar, thoda neeche
ICICI Lombard General Insurance, ek bada naam insurance world mein, unka Q4 FY25 report aa gaya hai. Unka gross written premium 10% upar gaya hai, almost Rs 69 billion! Lekin, long-term products mein thoda dikkat aaya hai 1/n regulation ki wajah se. Good news yeh hai ki net earning premium 20% upar gaya hai, Rs 52.3 billion tak pahunch gaya.
Overall growth kaisa raha?
FY25 mein, ICICI Lombard ka overall growth 17% raha hai, almost Rs 198 billion tak. Yeh sab NDTV Profit ke special research section ke hisab se hai.
Market analysis bhi important hai
Motilal Oswal, ek top research agency, ne bataya hai ki general insurance industry ka growth thoda slow raha hai FY25 mein. Iske kai reasons hain, jaise ki infrastructure investment mein kami, slow credit growth, aur motor sales mein weakness.
ICICI Lombard ki strategy kya hai?
Lekin, ICICI Lombard positive hai. Woh profit ke saath growth par focus kar rahe hain. Motor segment mein double-digit growth ki ummeed hai, especially older aur commercial vehicles mein. Health segment mein bhi strong growth expected hai, khaaskar retail mein. Unka target hai double-digit growth, naye customers aur inflation-linked pricing ke through.
Future outlook kaisa hai?
Commercial lines mein thoda weakness dekha gaya hai FY25 mein, lekin April fire renewals mein recovery ke signs dikh rahe hain. Experts predict kar rahe hain ki FY26 mein growth recover hoga aur profitability bhi improve hogi. PAT growth 14%/16% expected hai FY26 aur FY27 mein.
Motilal Oswal ki rai
Motilal Oswal ne “Buy” rating diya hai ICICI Lombard ko, Rs 2,200 ke target price ke saath. Yeh based hai 33 times Mar’27E EPS par.
Disclaimer bhi important hai
Yeh report external source se hai, aur NDTV Profit iski accuracy ke liye responsible nahi hai. Yeh investment advice nahi hai, aur aapko expert se consult karna chahiye investment decisions lene se pehle.
