ICICI Prudential Share Price Rises After Q4FY25 Results

Market Performance

On April 16, 2025, ICICI Prudential Life Insurance Company witnessed a sharp rise in its share price, climbing over 4%.

Quarterly Performance Overview

ICICI Prudential Life Insurance posted mixed financials for the March quarter of FY25. However, an unexpected improvement in margins appeared to offset slower growth in some segments, contributing to the stock's positive market response.

Financial Highlights (Q4FY25 and FY25)

• Annualized Premium Equivalent (APE): ₹3,502 crore
• Value of New Business (VNB): ₹795 crore
• VNB Margin: 22.7%
• APE Growth (Retail and Direct): 3.1% YoY
• VNB Growth: 2.5% YoY

Full Year FY25 Performance

• Total Premium Income: ₹48,951 crore (up 13.2% YoY)
• Retail Weighted Received Premium (RWRP): Increased by 15.2%
• 13th-Month Persistency Ratio: 89.1%
• 49th-Month Persistency Ratio: 69.5%
• Claim Settlement Ratio: 99.3%
• Solvency Ratio: 212.2% (compared to a regulatory requirement of 150%)

The company reported steady growth in premium collections and maintained strong operational performance across key parameters such as persistency, claims settlement, and solvency.

Summary

ICICI Prudential Life Insurance's Q4FY25 results presented a mixed outcome, with a notable margin improvement helping to balance slower growth in other areas. Although the growth in APE and VNB was modest, the company delivered robust operational performance, which bolstered investor confidence and led to an uptick in its share price. The financial year also marked solid growth in premium income and continued high standards in persistence and claim settlements.