DDM Analysis: ICICIPRULI.BO

Valuation Snapshot

Stable Growth	$157.19 - $317.47	$219.23
Multi-Stage	$122.06 - $133.46	$127.66
Blended Fair Value	$173.44
Current Price	$595.20
Upside	-70.86%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	-26.57%	-20.27%	0.60	0.59	0.54	1.97	0.00	2.79	4.83	6.80	5.86	8.26
YoY Growth	-	-	0.39%	9.38%	-72.48%	13,057,063.64%	-100.00%	-42.17%	-28.97%	16.07%	-29.09%	43.84%
Dividend Yield	-	-	0.09%	0.10%	0.09%	0.40%	0.00%	0.66%	1.24%	1.80%	1.24%	2.78%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	13,070.10
(-) Cash Dividends Paid (M)	1,213.30
(=) Cash Retained (M)	11,856.80

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2,614.02	1,633.76	980.26
Cash Retained (M)	11,856.80	11,856.80	11,856.80
(-) Cash Required (M)	-2,614.02	-1,633.76	-980.26
(=) Excess Retained (M)	9,242.78	10,223.04	10,876.54
(/) Shares Outstanding (M)	1,455.56	1,455.56	1,455.56
(=) Excess Retained per Share	6.35	7.02	7.47
LTM Dividend per Share	0.83	0.83	0.83
(+) Excess Retained per Share	6.35	7.02	7.47
(=) Adjusted Dividend	7.18	7.86	8.31
WACC / Discount Rate	9.85%	9.85%	9.85%
Growth Rate	5.05%	6.05%	7.05%
Fair Value	$157.19	$219.23	$317.47
Upside / Downside	-73.59%	-63.17%	-46.66%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	13,070.10	13,860.39	14,698.46	15,587.20	16,529.68	17,529.15	18,055.03
Payout Ratio	9.28%	25.43%	41.57%	57.71%	73.86%	90.00%	92.50%
Projected Dividends (M)	1,213.30	3,524.20	6,110.12	8,995.87	12,208.26	15,776.24	16,700.90

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.85%	9.85%	9.85%
Growth Rate	5.05%	6.05%	7.05%
Year 1 PV (M)	3,178.02	3,208.27	3,238.53
Year 2 PV (M)	4,968.69	5,063.74	5,159.69
Year 3 PV (M)	6,596.78	6,786.97	6,980.79
Year 4 PV (M)	8,073.07	8,384.90	8,705.67
Year 5 PV (M)	9,407.72	9,864.12	10,338.05
PV of Terminal Value (M)	145,447.66	152,503.74	159,831.05
Equity Value (M)	177,671.94	185,811.74	194,253.78
Shares Outstanding (M)	1,455.56	1,455.56	1,455.56
Fair Value	$122.06	$127.66	$133.46
Upside / Downside	-79.49%	-78.55%	-77.58%

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ICICI Prudential Life Insurance Company Limited (ICICIPRULI.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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