Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
ICICI Lombard General Insurance Co's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 5.05%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
ICICI Lombard General Insurance Co (NSE:ICICIGI) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
ICICI Lombard General Insurance Co 3-Year ROIIC % Related Terms
ICICI Lombard General Insurance Co 3-Year ROIIC % Historical Data
* 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 3-Year ROIIC % Chart
NSE:ICICIGI vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, ICICI Lombard General Insurance Co's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, ICICI Lombard General Insurance Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where ICICI Lombard General Insurance Co's 3-Year ROIIC % falls into.
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
ICICI Lombard General Insurance Co (NSE:ICICIGI) has a 3-Year ROIIC % of 5.05 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on ICICI Lombard General Insurance Co and its competitors. This is 43% above median its historical median of 3.54. Over the past decade, ICICI Lombard General Insurance Co's 3-Year ROIIC % has ranged from 1.40 to 6.75. According to the industry distribution chart, ICICI Lombard General Insurance Co ranks #169 out of 338 companies in the Insurance industry, placing it in the top 50%.
Is ICICI Lombard General Insurance Co's 3-Year ROIIC % too high?
ICICI Lombard General Insurance Co's current 3-Year ROIIC % of 5.05 is 43% above median its 10-year median of 3.54. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 6.75. The Insurance industry median 3-Year ROIIC % is 5.02. ICICI Lombard General Insurance Co's value of 5.05 is 0.6% above this industry median. Based on the distribution chart, ICICI Lombard General Insurance Co ranks #169 out of 338 companies in the Insurance industry, which is above the industry midpoint. 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 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, ICICI Lombard General Insurance Co ranks #169 out of 338 companies for 3-Year ROIIC %. This puts ICICI Lombard General Insurance Co in the upper half of its industry. The industry median 3-Year ROIIC % is 5.02. ICICI Lombard General Insurance Co's value of 5.05 is 0.6% above this benchmark. Historically, ICICI Lombard General Insurance Co's own 3-Year ROIIC % has ranged from 1.40 to 6.75 over the past decade. While the company's 10-year median is 3.54 vs. the industry median of 5.02, ICICI Lombard General Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.02, based on 338 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ICICI Lombard General Insurance Co's current 3-Year ROIIC % of 5.05 is 0.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on ICICI Lombard General Insurance Co and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ICICI Lombard General Insurance Co's current 3-Year ROIIC % is 5.05, which is 43% above median its own 10-year median of 3.54. 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 (NSE:ICICIGI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,098.10, compared to a current price of ₹1,630.00 — trading 22.3% below its estimated fair value. The current 3-Year ROIIC % is 5.05, which is 43% above median its 10-year median of 3.54 and 0.6% above the Insurance industry median of 5.02. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For ICICI Lombard General Insurance Co (NSE:ICICIGI), the current 3-Year ROIIC % is 5.05 as of Mar. 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 (NSE:ICICIGI) Overvalued in 2026?
Based on GuruFocus' analysis, ICICI Lombard General Insurance Co stock appears to be undervalued.
The current stock price of ₹1,630.00 is trading 22.3% below its estimated GF Value™ of ₹2,098.10.
GuruFocus considers ICICI Lombard General Insurance Co to be Modestly Undervalued.
Key valuation signals for NSE:ICICIGI:
3-Year ROIIC %: 5.05 (43% above median its 10-year median of 3.54)
GF Value™: ₹2,098.10 vs. price of ₹1,630.00 (22.3% below fair value)
Industry Position: 0.6% above the Insurance median (#169 of 338)
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 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 NSE:ICICIGI
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:ICICIGI has been successfully added to your 
