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“ICICI Lombard FY25: Navigating Growth Amidst Regulatory Shifts and Rising Claims”📈 EduInvesting.in | May 11, 2025

🧾 Financial Snapshot

MetricFY25YoY Change
Gross Direct Premium Income₹26,833 crore↑ 8.3%
Net Profit₹2,508 crore↑ 30.7%
Combined Ratio102.5%↑ 0.2 pp
Return on Avg Equity (ROAE)19.1%↑ 1.9 pp
Solvency Ratio2.69x↑ 0.07x
Final Dividend₹7/shareMaintained

📊 Quarterly Highlights (Q4 FY25)

  • Net Profit: ₹510 crore, down 2% YoY.
  • Gross Direct Premium Income (GDPI): ₹6,211 crore, up 2.3% YoY.
  • Combined Ratio: 102.5%, slightly higher than 102.3% in Q4 FY24.
  • Solvency Ratio: Improved to 2.69x, above the regulatory minimum of 1.5x.

📈 Segment Performance

  • Retail Health Insurance: Premiums grew
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