Athira Sethu
Kochi, 16 April 2026
ICICI Lombard General Insurance’s share saw an upmove on Thursday after the company reported sound Q4FY26 results.
The company reported a 7.3 percent increase in profit after tax (PAT) for Q4 FY26, reaching Rs 547 crore, up from Rs 510 crore in the same quarter last year. The reported PAT, which includes exceptional items, grew 15.6 percent year-on-year to Rs 539 crore. Profit before tax (PBT) also improved by 7.5 percent to Rs 718 crore. Additionally, the company’s key metric for general insurers, the combined ratio, improved to 101.2 percent, indicating better underwriting performance.
ICICI Lombard Q4 FY26 Financial Highlights
| Metric | Q4 FY26 | Q4 FY25 | YoY Change (%) |
| Profit After Tax (PAT) | Rs 547 crore | Rs 510 crore | 7.3% |
| Reported PAT | Rs 539 crore | Rs 466 crore* | 15.6% |
| Profit Before Tax (PBT) | Rs 718 crore | Rs 668 crore | 7.5% |
| Combined Ratio | 101.2% | 102.x%* | Improvement |
*Reported PAT for Q4 FY25 adjusted to match reported basis.
Quarterly PAT Trend (Rs crore)
| Quarter | PAT |
| Q4 FY23 | 27.9 |
| Q4 FY24 | 34.4 |
| Q4 FY25 | 510 |
| Q4 FY26 | 547 |
Profit Before Tax (PBT) Trend (Rs crore)
| Quarter | PBT |
| Q4 FY25 | 668 |
| Q4 FY26 | 718 |
Combined Ratio Trend
| Quarter | Combined Ratio (%) |
| Q4 FY25 | 102.x |
| Q4 FY26 | 101.2 |
