ICICI Lombard General Insurance Co (BOM:540716) E10: ₹39.06 (As of Jun. 2026)

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BOM:540716 ICICI Lombard General Insurance Co Ltd BOM:540716
92 GF Score
Price ₹1,624.85
GF Value ₹2,085.93
Valuation Modestly Undervalued
View Full Analysis

What is ICICI Lombard General Insurance Co E10?

ICICI Lombard General Insurance Co BOM:540716 +0.78% 92 E10 is ₹39.06 as of Jun. 2026. GuruFocus rates BOM:540716 with a GF Score™ of 92/100 and a GF Value™ of ₹2,085.93 (Modestly Undervalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

ICICI Lombard General Insurance Co's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹8.030. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹39.06 for the trailing ten years ended in Jun. 2026.

During the past 12 months, ICICI Lombard General Insurance Co's average E10 Growth Rate was 8.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-20), ICICI Lombard General Insurance Co's current stock price is ₹1624.85. ICICI Lombard General Insurance Co's E10 for the quarter that ended in Jun. 2026 was ₹39.06. ICICI Lombard General Insurance Co's Shiller PE Ratio of today is 41.60.

During the past 13 years, the highest Shiller PE Ratio of ICICI Lombard General Insurance Co was 57.98. The lowest was 41.28. And the median was 51.37.


ICICI Lombard General Insurance Co  (BOM:540716) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

ICICI Lombard General Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1624.85/39.06
=41.60

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of ICICI Lombard General Insurance Co was 57.98. The lowest was 41.28. And the median was 51.37.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


ICICI Lombard General Insurance Co E10 Related Terms


ICICI Lombard General Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for ICICI Lombard General Insurance Co's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ICICI Lombard General Insurance Co E10 Chart

ICICI Lombard General Insurance Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 34.81 38.27

ICICI Lombard General Insurance Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 35.96 37.29 37.90 38.27 39.06

BOM:540716 vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, ICICI Lombard General Insurance Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


ICICI Lombard General Insurance Co Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, ICICI Lombard General Insurance Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where ICICI Lombard General Insurance Co's Shiller PE Ratio falls into.


BOM:540716
92GF Score
ICICI Lombard General Insurance Co Ltd BOM:540716
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ICICI Lombard General Insurance Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, ICICI Lombard General Insurance Co's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=8.03/166.1454*166.1454
=8.030

Current CPI (Jun. 2026) = 166.1454.

ICICI Lombard General Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201609 3.777 105.961 5.922
201612 4.867 105.196 7.687
201703 3.990 105.196 6.302
201706 4.730 107.109 7.337
201709 4.500 109.021 6.858
201712 5.110 109.404 7.760
201803 4.670 109.786 7.067
201806 6.370 111.317 9.508
201809 6.450 115.142 9.307
201812 5.260 115.142 7.590
201903 5.000 118.202 7.028
201906 6.800 120.880 9.346
201909 6.760 123.175 9.118
201912 6.450 126.235 8.489
202003 6.180 124.705 8.234
202006 8.740 127.000 11.434
202009 9.120 130.118 11.645
202012 6.870 130.889 8.721
202103 7.550 131.771 9.520
202106 3.940 134.084 4.882
202109 9.060 135.847 11.081
202112 6.440 138.161 7.744
202203 6.370 138.822 7.624
202206 7.090 142.347 8.275
202209 12.000 144.661 13.782
202212 7.170 145.763 8.173
202303 8.890 146.865 10.057
202306 7.940 150.280 8.778
202309 11.700 151.492 12.832
202312 8.730 152.924 9.485
202403 10.430 153.035 11.324
202406 11.680 155.789 12.456
202409 13.880 157.882 14.606
202412 14.480 158.323 15.195
202503 10.200 157.552 10.756
202506 14.920 159.755 15.517
202509 16.350 162.289 16.738
202512 13.140 163.281 13.371
202603 10.890 164.272 11.014
202606 8.030 166.145 8.030

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹39.06 mean?
ICICI Lombard General Insurance Co (BOM:540716) has a E10 of ₹39.06 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on ICICI Lombard General Insurance Co and its competitors.
Is ICICI Lombard General Insurance Co's E10 too high?
ICICI Lombard General Insurance Co's current E10 is ₹39.06. Overall, ICICI Lombard General Insurance Co has a GF Score™ of 92/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ICICI Lombard General Insurance Co's E10 compare to BRK.A and AIG?
ICICI Lombard General Insurance Co's E10 of ₹39.06 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on ICICI Lombard General Insurance Co and its competitors. ICICI Lombard General Insurance Co's current E10 is ₹39.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ICICI Lombard General Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, ICICI Lombard General Insurance Co (BOM:540716) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,085.93, compared to a current price of ₹1,624.85 — trading 22.1% below its estimated fair value. The current E10 is ₹39.06. ICICI Lombard General Insurance Co's overall GF Score™ is 92/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For ICICI Lombard General Insurance Co (BOM:540716), the current E10 is ₹39.06 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ICICI Lombard General Insurance Co (BOM:540716) Overvalued in 2026?

Based on GuruFocus' analysis, ICICI Lombard General Insurance Co stock appears to be undervalued. The current stock price of ₹1,624.85 is trading 22.1% below its estimated GF Value™ of ₹2,085.93. GuruFocus considers ICICI Lombard General Insurance Co to be Modestly Undervalued.

Key valuation signals for BOM:540716:

  • E10: ₹39.06
  • GF Value™: ₹2,085.93 vs. price of ₹1,624.85 (22.1% below fair value)
  • GF Score™: 92/100

No single metric tells the full story. See the BOM:540716 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ICICI Lombard General Insurance Co Business Description

Other Exchanges ICICIGI:India
Address 414, Veer Savarkar Marg, ICICI Lombard House, Near Siddhivinayak Temple, Prabhadevi, Mumbai, MH, IND, 400 025
ICICI Lombard General Insurance Co Ltd is a general insurance company. Its business segment include Fire; Marine Cargo; Marine, Marine Others, Motor-OD, Motor-TP, Health Insurance, and Personal Accident. The company products include Motor Insurance; Car Insurance; Two Wheeler Insurance; Health Insurance; Complete Health Insurance; Health Booster; Personal Accident Insurance; International Travel Insurance; Home Insurance; Marine Insurance; NRI Insurance Services; Business Insurance; third-party insurance; Crop Insurance and Rural Insurance. Geographically, it operates only in India.
92GF Score

Get the complete analysis for BOM:540716

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,624.85
Price
₹2,085.93
GF Value