ICICI Lombard [ICICIGI] vs Shriram Finance [SHRIRAMFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: ICICI Lombard General Insurance Company Limited wins in 7 metrics, Shriram Finance Ltd. wins in 10 metrics, with 1 ties. Shriram Finance Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | ICICI Lombard General Insurance Company Limited | Shriram Finance Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 32.76 | 20.78 | Shriram Finance Ltd. |
| Price-to-Book Ratio | 5.61 | 3.13 | Shriram Finance Ltd. |
| Debt-to-Equity Ratio | 0.00 | 279.08 | Tie |
| PEG Ratio | -1.31 | 1.15 | Shriram Finance Ltd. |
| EV/EBITDA | 24.70 | N/A | N/A |
| Profit Margin (TTM) | 10.26% | 45.95% | Shriram Finance Ltd. |
| Operating Margin (TTM) | 10.13% | 61.27% | Shriram Finance Ltd. |
| EBITDA Margin (TTM) | 10.13% | 61.27% | Shriram Finance Ltd. |
| Return on Equity | 17.85% | 16.92% | ICICI Lombard General Insurance Company Limited |
| Return on Assets (TTM) | 3.08% | 3.25% | Shriram Finance Ltd. |
| Free Cash Flow (TTM) | $23.79B | $-439.06B | ICICI Lombard General Insurance Company Limited |
| Dividend Yield | 0.95% | 1.41% | Shriram Finance Ltd. |
| 1-Year Return | -12.62% | 43.14% | Shriram Finance Ltd. |
| Price-to-Sales Ratio (TTM) | 3.34 | 11.93 | ICICI Lombard General Insurance Company Limited |
| Enterprise Value | $895.35B | $3,536.13B | Shriram Finance Ltd. |
| EV/Revenue Ratio | 3.32 | 17.76 | ICICI Lombard General Insurance Company Limited |
| Revenue per Share (TTM) | $543 | $106 | ICICI Lombard General Insurance Company Limited |
| Earnings per Share (Diluted) | $55.24 | $48.57 | ICICI Lombard General Insurance Company Limited |
| Beta (Stock Volatility) | 0.51 | 0.65 | ICICI Lombard General Insurance Company Limited |
ICICI Lombard General Insurance Company Limited vs Shriram Finance Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| ICICI Lombard General Insurance Company Limited | 2.26% | -0.25% | -5.51% | -6.29% | -11.15% | -11.39% |
| Shriram Finance Ltd. | 4.79% | 11.60% | 6.69% | 0.87% | 16.99% | -1.87% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| ICICI Lombard General Insurance Company Limited | -12.62% | 35.14% | 10.54% | 149.29% | 149.29% | 149.29% |
| Shriram Finance Ltd. | 43.14% | 240.69% | 246.00% | 329.31% | 690.06% | 4,947.30% |
Performance & Financial Health Analysis: ICICI Lombard General Insurance Company Limited vs Shriram Finance Ltd.
| Metric | ICICIGI | SHRIRAMFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹902.34B | ₹2.38T |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 718,121 | 6,132,239 |
| 90 Day Avg. Volume | 879,541 | 9,368,423 |
| Last Close | ₹1,734.10 | ₹1,000.65 |
| 52 Week Range | ₹1,629.50 - ₹2,068.70 | ₹566.50 - ₹1,108.00 |
| % from 52W High | -16.17% | -9.69% |
| All-Time High | ₹2,301.90 (Sep 23, 2024) | ₹1,108.00 (Feb 26, 2026) |
| % from All-Time High | -24.67% | -9.69% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.12% | 0.21% |
| Quarterly Earnings Growth | 0.07% | -0.22% |
| Financial Health | ||
| Profit Margin (TTM) | 0.10% | 0.46% |
| Operating Margin (TTM) | 0.10% | 0.61% |
| Return on Equity (TTM) | 0.18% | 0.17% |
| Debt to Equity (MRQ) | 0.00 | 279.08 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹322.59 | ₹322.11 |
| Cash per Share (MRQ) | ₹12.85 | ₹63.69 |
| Operating Cash Flow (TTM) | ₹26.22B | ₹140.49B |
| Levered Free Cash Flow (TTM) | ₹97.27B | ₹95.54B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.95% | 1.41% |
| Last 12-Month Dividend | ₹19.00 | ₹11.18 |
Valuation & Enterprise Metrics Analysis: ICICI Lombard General Insurance Company Limited vs Shriram Finance Ltd.
| Metric | ICICIGI (Apr 24, 2026) | SHRIRAMFIN (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 32.76 | 20.78 |
| Forward P/E | 24.43 | 15.98 |
| PEG Ratio | -1.31 | 1.15 |
| Price to Sales (TTM) | 3.34 | 11.93 |
| Price to Book (MRQ) | 5.61 | 3.13 |
| Market Capitalization | ||
| Market Capitalization | ₹902.34B | ₹2.38T |
| Enterprise Value | ₹895.35B | ₹3.54T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.32 | 17.76 |
| Enterprise to EBITDA | 24.70 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.51 | 0.65 |
| Book Value per Share (MRQ) | ₹322.59 | ₹322.11 |
Financial Statements Comparison: ICICI Lombard General Insurance Company Limited vs Shriram Finance Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | ICICIGI (2026) | SHRIRAMFIN (2025) |
|---|---|---|
| Revenue/Sales | 270.06B | 221.88B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 36.59B | 125.03B |
| Pre-Tax Income % of Revenue | 13.5% | 56.3% |
| Income Tax | 8.87B | 30.80B |
| Income Tax % of Revenue | 3.3% | 13.9% |
| Net Income (Profit) | 27.72B | 95.76B |
| Profit Margin | 10.3% | 43.2% |
Balance Sheet & Liquidity Metrics
| Metric | ICICIGI (2026) | SHRIRAMFIN (2025) |
|---|---|---|
| Cash & Equivalents | 9.87B | 197.79B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | N/A | 1.79T |
| Long-Term Debt % of Revenue | 0.0% | 806.0% |
| Total Shareholders Equity | 166.34B | 564.70B |
| Retained Earnings | 0 | 242.42B |
| Retained Earnings % of Revenue | 0.0% | 109.3% |
| Property, Plant & Equipment | N/A | 137.30M |
Cash Flow Statement Comparison
| Metric | ICICIGI (2026) | SHRIRAMFIN (2025) |
|---|---|---|
| Operating Cash Flow | N/A | 140.49B |
| Operating Cash Flow % of Revenue | 0.0% | 63.3% |
| Capital Expenditures | -2.42B | -2.20B |
| Free Cash Flow | 23.79B | -439.06B |
| FCF Margin | 8.8% | -197.9% |
| Debt Repayment | 0 | -766.59B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | ICICIGI | SHRIRAMFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 498.50M | 2.35B |
| Float Shares | 242.66M | 1.41B |
| % Held by Insiders | 2.02% | 22.04% |
| % Held by Institutions | 81.97% | 37.56% |
| % Held by Public | 16.01% | 40.40% |
Dividend Analysis & Yield Comparison: ICICI Lombard General Insurance Company Limited vs Shriram Finance Ltd.
| Metric | ICICIGI | SHRIRAMFIN |
|---|---|---|
| Last 12-Month Dividend | ₹19.00 | ₹11.18 |
| Last 12-Month Dividend Yield | 0.95% | 1.41% |
| 3-Year Avg Annual Dividend | ₹13.33 | ₹4.79 |
| 3-Year Avg Dividend Yield | 0.36% | 0.28% |
| 3-Year Total Dividends | ₹40.00 | ₹14.38 |
| Ex-Dividend Date | Oct 23, 2025 | Nov 07, 2025 |