ICICI Prudential Life Insurance Company's Q4 FY 2025-26 Quarterly Results

Result Summary

• ICICI Prudential Life Insurance Company Ltd reported a 81.3% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 73.4%.
• Its expenses for the quarter were down by 84.3% QoQ and 77.5% YoY.
• The net profit increased 61.2% QoQ and increased 61.9% YoY.
• The earnings per share (EPS) of ICICI Prudential Life Insurance Company Ltd stood at 4.31 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

ICICI Prudential Life Insurance Company Ltd is a prominent player in the Indian life insurance sector, offering a wide range of products including term insurance, savings and investment plans, retirement solutions, and health insurance. Established as a joint venture between ICICI Bank Limited and Prudential Corporation Holdings Limited, the company leverages a robust distribution network and technological innovations to provide comprehensive insurance solutions to its customers. As of the latest updates, the company is known for its focus on digital transformation and customer-centric strategies to enhance service delivery and operational efficiency.

Revenue

In the fourth quarter of fiscal year 2026 (Q4FY26), ICICI Prudential Life Insurance reported a total income of ₹4,221.02 crores. This represents a significant quarter-over-quarter (QoQ) decline of 81.3% from ₹22,591.14 crores in Q3FY26. On a year-over-year (YoY) basis, total income decreased by 73.4% from the ₹15,870.35 crores reported in Q4FY25. These figures highlight a substantial reduction in revenue both sequentially and annually, reflecting broader trends or potential factors affecting the company's income generation capabilities during this period.

Profitability

The company's profitability metrics for Q4FY26 show a profit before tax (PBT) of ₹702.37 crores, marking a 24.6% increase from ₹563.79 crores in the previous quarter (Q3FY26) and a 36.2% increase compared to ₹515.69 crores in Q4FY25. The company recorded a tax credit of ₹342.57 crores in Q4FY26, a notable shift from the tax expenses of ₹111.00 crores in Q3FY26 and ₹212.82 crores in Q4FY25. Consequently, the profit after tax (PAT) rose to ₹623.91 crores, a 61.2% increase QoQ and a 61.9% rise YoY, demonstrating a significant improvement in net earnings despite the reduced revenue.

Operating Metrics

The earnings per share (EPS) for Q4FY26 stood at ₹4.31, reflecting a QoQ growth of 62.0% from ₹2.66 in Q3FY26 and a YoY increase of 62.6% from ₹2.65 in Q4FY25. This rise in EPS indicates enhanced shareholder value during the quarter. The total expenses for Q4FY26 were ₹3,451.56 crores, showing an 84.3% decline from the previous quarter's ₹22,005.73 crores and a 77.5% decrease from ₹15,328.48 crores in Q4FY25. These figures suggest a substantial reduction in operational costs, contributing to improved profitability margins.