ICICI Lombard General Insurance Co (NSE:ICICIGI) Moat Score: 0/10 (As of Jul. 25, 2026)

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Director of Data and Quant Analytics at GuruFocus
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NSE:ICICIGI ICICI Lombard General Insurance Co Ltd NSE:ICICIGI
93 GF Score
Price ₹1,661.80
GF Value ₹2,088.04
Valuation Modestly Undervalued
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What is ICICI Lombard General Insurance Co Moat Score?

ICICI Lombard General Insurance Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

ICICI Lombard General Insurance Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ICICI Lombard General Insurance Co might have No Moat - No discernible moat.

ICICI Lombard General Insurance Co  (NSE:ICICIGI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ICICI Lombard General Insurance Co Moat Score Related Terms

NSE:ICICIGI
93GF Score
ICICI Lombard General Insurance Co Ltd NSE:ICICIGI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is ICICI Lombard General Insurance Co (NSE:ICICIGI) Overvalued in 2026?

Based on GuruFocus' analysis, ICICI Lombard General Insurance Co stock appears to be undervalued. The current stock price of ₹1,661.80 is trading 20.4% below its estimated GF Value™ of ₹2,088.04. GuruFocus considers ICICI Lombard General Insurance Co to be Modestly Undervalued.

Key valuation signals for NSE:ICICIGI:

  • Moat Score: 0
  • GF Value™: ₹2,088.04 vs. price of ₹1,661.80 (20.4% below fair value)
  • GF Score™: 93/100

No single metric tells the full story. See the NSE:ICICIGI 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 540716: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.
93GF Score

Get the complete analysis for NSE:ICICIGI

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

₹1,661.80
Price
₹2,088.04
GF Value