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ICICI Lombard Q2 FY27 | ₹946 Cr Profit +15.4% YoY | BUY Target ₹3,500-3,800

Investment Thesis

ICICI Lombard is India’s leading private general insurance company. Q2 FY27: ₹946 Cr profit (+15.4% YoY), combined ratio 98% (near breakeven), strong premium growth 21%.

Rating: ⭐⭐⭐⭐ BUY | Price Target: ₹3,500-3,800 | Upside: +25-35%

Key Drivers

✅ Premium growth: 21% YoY
✅ Combined ratio: 98% (improving trend)
✅ Solvency ratio: 2.1x (strong capital)
✅ Market share: Growing in health, motor, travel segments
✅ Profitability: Path to 15% ROE clear

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