ICICI Lombard [ICICIGI] vs State Bank of India [SBIN] Detailed Stock Comparison

ICICI Lombard General Insurance Company Limited

NSE
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State Bank of India

NSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: ICICI Lombard General Insurance Company Limited wins in 4 metrics, State Bank of India wins in 13 metrics, with 1 ties. State Bank of India appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric ICICI Lombard General Insurance Company Limited State Bank of India Better
P/E Ratio (TTM) 32.76 12.01 State Bank of India
Price-to-Book Ratio 5.61 1.72 State Bank of India
Debt-to-Equity Ratio 0.00 1.12 Tie
PEG Ratio -1.31 2.89 State Bank of India
EV/EBITDA 24.70 N/A N/A
Profit Margin (TTM) 10.26% 22.50% State Bank of India
Operating Margin (TTM) 10.13% 29.68% State Bank of India
EBITDA Margin (TTM) 10.13% 29.68% State Bank of India
Return on Equity 17.85% 15.36% ICICI Lombard General Insurance Company Limited
Return on Assets (TTM) 3.08% 1.06% ICICI Lombard General Insurance Company Limited
Free Cash Flow (TTM) $23.79B $428.49B State Bank of India
Dividend Yield 0.95% 2.01% State Bank of India
1-Year Return -12.62% 28.37% State Bank of India
Price-to-Sales Ratio (TTM) 3.34 2.75 State Bank of India
Enterprise Value $895.35B $14,175.08B State Bank of India
EV/Revenue Ratio 3.32 3.83 ICICI Lombard General Insurance Company Limited
Revenue per Share (TTM) $543 $408 ICICI Lombard General Insurance Company Limited
Earnings per Share (Diluted) $55.24 $91.84 State Bank of India
Beta (Stock Volatility) 0.51 0.46 State Bank of India

ICICI Lombard General Insurance Company Limited vs State Bank of India Stock Performance Analysis

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ICICIGI
SBIN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
ICICI Lombard General Insurance Company Limited2.26%-0.25%-5.51%-6.29%-11.15%-11.39%
State Bank of India0.36%3.96%5.99%-4.30%5.54%3.67%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
ICICI Lombard General Insurance Company Limited-12.62%35.14%10.54%149.29%149.29%149.29%
State Bank of India28.37%78.06%146.34%376.53%359.60%1,305.87%

Performance & Financial Health Analysis: ICICI Lombard General Insurance Company Limited vs State Bank of India

MetricICICIGISBIN
Market Information
Market Cap i₹902.34B₹10.16T
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i718,12120,281,858
90 Day Avg. Volume i879,54118,641,911
Last Close₹1,734.10₹1,020.85
52 Week Range₹1,629.50 - ₹2,068.70₹781.70 - ₹1,234.70
% from 52W High-16.17%-17.32%
All-Time High₹2,301.90 (Sep 23, 2024)₹1,234.70 (Feb 24, 2026)
% from All-Time High-24.67%-17.32%
Growth Metrics
Quarterly Revenue Growth0.12%0.15%
Quarterly Earnings Growth0.07%0.13%
Financial Health
Profit Margin (TTM) i0.10%0.23%
Operating Margin (TTM) i0.10%0.30%
Return on Equity (TTM) i0.18%0.15%
Debt to Equity (MRQ) i0.001.12
Cash & Liquidity
Book Value per Share (MRQ)₹322.59₹641.36
Cash per Share (MRQ)₹12.85₹339.52
Operating Cash Flow (TTM) i₹26.22B₹1.94T
Levered Free Cash Flow (TTM) i₹97.27B₹775.61B
Dividends
Last 12-Month Dividend Yield i0.95%2.01%
Last 12-Month Dividend i₹19.00₹15.90

Valuation & Enterprise Metrics Analysis: ICICI Lombard General Insurance Company Limited vs State Bank of India

MetricICICIGI (Apr 24, 2026)SBIN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i32.7612.01
Forward P/E i24.4311.99
PEG Ratio i-1.312.89
Price to Sales (TTM) i3.342.75
Price to Book (MRQ) i5.611.72
Market Capitalization
Market Capitalization i₹902.34B₹10.16T
Enterprise Value i₹895.35B₹14.18T
Enterprise Value Metrics
Enterprise to Revenue i3.323.83
Enterprise to EBITDA i24.70N/A
Risk & Other Metrics
Beta i0.510.46
Book Value per Share (MRQ) i₹322.59₹641.36

Financial Statements Comparison: ICICI Lombard General Insurance Company Limited vs State Bank of India

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricICICIGI (2026)SBIN (2025)
Revenue/Sales i270.06B3.50T
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i36.59B1.06T
Pre-Tax Income % of Revenue i13.5%30.4%
Income Tax i8.87B273.48B
Income Tax % of Revenue i3.3%7.8%
Net Income (Profit) i27.72B805.23B
Profit Margin i10.3%23.0%

Balance Sheet & Liquidity Metrics

MetricICICIGI (2026)SBIN (2025)
Cash & Equivalents i9.87B6.21T
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt iN/A6.18T
Long-Term Debt % of Revenue i0.0%176.8%
Total Shareholders Equity i166.34B5.05T
Retained Earnings i01.08T
Retained Earnings % of Revenue i0.0%31.0%
Property, Plant & Equipment iN/A881.22B

Cash Flow Statement Comparison

MetricICICIGI (2026)SBIN (2025)
Operating Cash Flow iN/A1.94T
Operating Cash Flow % of Revenue i0.0%55.6%
Capital Expenditures i-2.42B-56.37B
Free Cash Flow i23.79B428.49B
FCF Margin i8.8%12.3%
Debt Repayment i0-151.04B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricICICIGISBIN
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i498.50M9.23B
Float Shares i242.66M4.09B
% Held by Insiders i2.02%56.92%
% Held by Institutions i81.97%28.92%
% Held by Public i16.01%14.16%

Dividend Analysis & Yield Comparison: ICICI Lombard General Insurance Company Limited vs State Bank of India

MetricICICIGISBIN
Last 12-Month Dividend i₹19.00₹15.90
Last 12-Month Dividend Yield i0.95%2.01%
3-Year Avg Annual Dividend i₹13.33₹13.63
3-Year Avg Dividend Yield i0.36%1.86%
3-Year Total Dividends i₹40.00₹40.90
Ex-Dividend DateOct 23, 2025May 16, 2025