General Insurance company ICICI Lombard General Insurance announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: GDPI of the Company was at Rs 62.11 billion in Q4FY25 as against Rs 60.73 billion in Q4FY24, a growth of 2.3%, compared to the industry growth of 1.7%. Combined ratio was at 102.5% in Q4FY25 compared to 102.3% in Q4FY24. PBT de-grew by 4.2% to Rs 6.68 billion in Q4FY25 compared to Rs 6.98 billion in Q4FY24. Capital gains was at Rs 0.06 billion in Q4FY25 compared to Rs 1.56 billion in Q4FY24. PAT de-grew by 1.9% to Rs 5.10 billion in Q4FY25 from Rs 5.19 billion in Q4FY24. ROAE was at 14.5% in Q4FY25 compared to 17.8% in Q4FY24. FY25 Financial Highlights: Gross Direct Premium Income (GDPI) of the Company was at Rs 268.33 billion in FY25 compared to Rs 247.76 billion in FY24, a growth of 8.3%, which was higher than the industry growth of 6.2%. Excluding the impact of 1/n accounting norm, GDPI of the Company grew by 11.0% for FY25, which was higher than the industry growth of 8.6%. Combined ratio was at 102.8% for FY25 compared to 103.3% for FY24. Excluding the impact of CAT losses of Rs 0.94 billion in FY25 and Rs 1.37 billion in FY24, the Combined ratio was 102.4% and 102.5% respectively. Profit before tax (PBT) grew by 30.0% to Rs 33.21 billion in FY25 compared to Rs 25.55 billion in FY24. Profit after tax (PAT) grew by 30.7% to Rs 25.08 billion in FY25 compared to Rs 19.19 billion in FY24. Return on Average Equity (ROAE) was at 19.1% in FY25 compared to 17.2% in FY24. Solvency ratio was at 2.69x as at March 31, 2025 as against 2.36x as at December 31, 2024 and higher than the minimum regulatory requirement of 1.50x. Solvency ratio was at 2.62x as at March 31, 2024. Capital gains was at Rs 8.02 billion in FY25 compared to Rs 5.51 billion in FY24. The Board of Directors of the Company has proposed final dividend of Rs 7.00 per share for FY25. The payment is subject to the approval of shareholders in the ensuing Annual General Meeting of the Company. The overall dividend for FY25 including proposed final dividend is Rs 12.50 per share. Result PDF
Conference Call with ICICI Lombard General Insurance Company Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.