Life Insurance Corporation of India: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 11, 2026, 10:37 pm

Market Cap	5,53,596 Cr.
Current Price	875
Intrinsic Value	₹1,365.50
High / Low	980/715
Stock P/E	10.4
Book Value	0.00
Dividend Yield	1.37 %
ROCE	53.1 %
ROE	45.7 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Life Insurance Corporation of India

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Life Insurance Corporation of India	5,53,596 Cr.	875	980/715	10.4	0.00	1.37 %	53.1 %	45.7 %	10.0
SBI Life Insurance Company Ltd (SBILIFE)	2,03,239 Cr.	2,026	2,116/1,380	82.0	190	0.13 %	16.9 %	15.1 %	10.0
Max Financial Services Ltd	59,875 Cr.	1,734	1,780/950	367	154	0.00 %	8.13 %	7.26 %	2.00
ICICI Prudential Life Insurance Company Ltd	92,824 Cr.	641	707/517	67.8	92.9	0.13 %	11.9 %	10.4 %	10.0
HDFC Life Insurance Company Ltd	1,51,313 Cr.	701	821/600	80.0	81.6	0.30 %	6.58 %	10.8 %	10.0
Industry Average	212,169.40 Cr	1,195.40		121.44	103.70	0.39%	19.32%	17.85%	8.40

All Competitor Stocks of Life Insurance Corporation of India

Quarterly Result

Metric	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	217,092	197,714	201,231	190,163	203,033	214,054	238,717	211,952	231,132	203,751	243,134	224,671	241,524
Expenses	202,366	194,094	189,692	180,169	194,558	204,815	237,152	202,180	224,544	191,818	221,621	214,198	232,032
Operating Profit	14,727	3,620	11,539	9,994	8,475	9,239	1,564	9,773	6,588	11,934	21,514	10,474	9,492
OPM %	7%	2%	6%	5%	4%	4%	1%	5%	3%	6%	9%	5%	4%
Other Income	6,046	270	612	117	288	206	14,249	1,001	794	818	954	780	1,044
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	20,772	3,891	12,151	10,111	8,763	9,445	15,813	10,774	7,382	12,752	22,468	11,253	10,537
Tax %	26%	-63%	8%	14%	13%	15%	12%	15%	16%	14%	15%	15%	14%
Net Profit	15,858	7,306	13,189	9,634	8,032	9,434	13,842	10,527	7,723	11,009	19,039	10,955	10,096
EPS in Rs	25.07	11.56	20.86	15.23	12.70	14.97	21.88	16.67	12.22	17.40	30.10	17.32	15.97

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for Life Insurance Corporation of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:

For Sales, as of Sep 2025, the value is 241,524.00 Cr.. The value appears strong and on an upward trend. It has increased from 224,671.00 Cr. (Jun 2025) to 241,524.00 Cr., marking an increase of 16,853.00 Cr..
For Expenses, as of Sep 2025, the value is 232,032.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 214,198.00 Cr. (Jun 2025) to 232,032.00 Cr., marking an increase of 17,834.00 Cr..
For Operating Profit, as of Sep 2025, the value is 9,492.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10,474.00 Cr. (Jun 2025) to 9,492.00 Cr., marking a decrease of 982.00 Cr..
For OPM %, as of Sep 2025, the value is 4.00%. The value appears to be declining and may need further review. It has decreased from 5.00% (Jun 2025) to 4.00%, marking a decrease of 1.00%.
For Other Income, as of Sep 2025, the value is 1,044.00 Cr.. The value appears strong and on an upward trend. It has increased from 780.00 Cr. (Jun 2025) to 1,044.00 Cr., marking an increase of 264.00 Cr..
For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
For Profit before tax, as of Sep 2025, the value is 10,537.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,253.00 Cr. (Jun 2025) to 10,537.00 Cr., marking a decrease of 716.00 Cr..
For Tax %, as of Sep 2025, the value is 14.00%. The value appears to be improving (decreasing) as expected. It has decreased from 15.00% (Jun 2025) to 14.00%, marking a decrease of 1.00%.
For Net Profit, as of Sep 2025, the value is 10,096.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10,955.00 Cr. (Jun 2025) to 10,096.00 Cr., marking a decrease of 859.00 Cr..
For EPS in Rs, as of Sep 2025, the value is 15.97. The value appears to be declining and may need further review. It has decreased from 17.32 (Jun 2025) to 15.97, marking a decrease of 1.35.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

Metric	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	571,508	628,043	690,914	723,606	784,628	845,966	889,970	913,082
Expenses	565,587	634,989	691,166	720,280	750,498	813,316	836,692	859,668
Operating Profit	5,920	-6,947	-252	3,326	34,130	32,651	53,278	53,414
OPM %	1%	-1%	-0%	0%	4%	4%	6%	6%
Other Income	2,615	20,870	12,820	9,248	7,800	14,829	3,495	3,596
Interest	0	0	0	0	0	0	0	0
Depreciation	336	379	417	436	466	466	506	0
Profit before tax	8,199	13,544	12,151	12,138	41,463	47,014	56,267	57,009
Tax %	68%	80%	76%	66%	13%	13%	14%
Net Profit	2,627	2,710	2,974	4,125	35,997	40,916	48,320	51,098
EPS in Rs				6.52	56.91	64.69	76.40	80.79
Dividend Payout %	2%	2%	0%	23%	5%	15%	16%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	3.16%	9.74%	38.70%	772.65%	13.67%	18.10%
Change in YoY Net Profit Growth (%)	0.00%	6.58%	28.96%	733.95%	-758.99%	4.43%

Life Insurance Corporation of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2019-2020 to 2024-2025.

No data available for the compounded sales growth chart.

Balance Sheet

Last Updated: Unknown

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	100	100	100	6,325	6,325	6,325	6,325	6,325
Reserves	710	902	6,784	5,012	39,908	76,422	120,901	135,608
Borrowings	269,401	253,414	4	1	0	0	0	1
Other Liabilities	3,157,039	3,245,419	3,822,637	4,242,719	4,532,258	5,233,300	5,533,342	5,769,322
Total Liabilities	3,427,249	3,499,834	3,829,524	4,254,058	4,578,491	5,316,047	5,660,568	5,911,256
Fixed Assets	25,194	28,216	17,723	17,770	20,473	20,667	21,330	4,530
CWIP	710	734	148	199	331	403	326	0
Investments	2,900,287	2,976,100	3,517,445	3,926,211	4,243,008	4,976,133	5,298,429	5,571,626
Other Assets	501,059	494,784	294,208	309,878	314,678	318,844	340,483	335,099
Total Assets	3,427,249	3,499,834	3,829,524	4,254,058	4,578,491	5,316,047	5,660,568	5,911,256

Below is a detailed analysis of the balance sheet data for Life Insurance Corporation of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:

For Equity Capital, as of Sep 2025, the value is 6,325.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 6,325.00 Cr..
For Reserves, as of Sep 2025, the value is 135,608.00 Cr.. The value appears strong and on an upward trend. It has increased from 120,901.00 Cr. (Mar 2025) to 135,608.00 Cr., marking an increase of 14,707.00 Cr..
For Borrowings, as of Sep 2025, the value is 1.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 0.00 Cr. (Mar 2025) to 1.00 Cr., marking an increase of 1.00 Cr..
For Other Liabilities, as of Sep 2025, the value is 5,769,322.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,533,342.00 Cr. (Mar 2025) to 5,769,322.00 Cr., marking an increase of 235,980.00 Cr..
For Total Liabilities, as of Sep 2025, the value is 5,911,256.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,660,568.00 Cr. (Mar 2025) to 5,911,256.00 Cr., marking an increase of 250,688.00 Cr..
For Fixed Assets, as of Sep 2025, the value is 4,530.00 Cr.. The value appears to be declining and may need further review. It has decreased from 21,330.00 Cr. (Mar 2025) to 4,530.00 Cr., marking a decrease of 16,800.00 Cr..
For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 326.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 326.00 Cr..
For Investments, as of Sep 2025, the value is 5,571,626.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,298,429.00 Cr. (Mar 2025) to 5,571,626.00 Cr., marking an increase of 273,197.00 Cr..
For Other Assets, as of Sep 2025, the value is 335,099.00 Cr.. The value appears to be declining and may need further review. It has decreased from 340,483.00 Cr. (Mar 2025) to 335,099.00 Cr., marking a decrease of 5,384.00 Cr..
For Total Assets, as of Sep 2025, the value is 5,911,256.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,660,568.00 Cr. (Mar 2025) to 5,911,256.00 Cr., marking an increase of 250,688.00 Cr..

Notably, the Reserves (135,608.00 Cr.) exceed the Borrowings (1.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	13,274	54,367	80,602	-3,783	54,519	26,548	-9,145
Cash from Investing Activity +	9,636	-40,415	148,447	12,531	-52,848	-25,695	40,832
Cash from Financing Activity +	-13,700	-18,664	-256,125	0	-949	-4,427	-3,794
Net Cash Flow	9,210	-4,712	-27,077	8,748	722	-3,574	27,893

Free Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-264.00	-259.00	-256.00	2.00	34.00	32.00	53.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0
Working Capital Days	78	63	35	42	43	39	38
ROCE %		5%	9%	131%	143%	73%	53%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%
FIIs	0.08%	0.08%	0.10%	0.06%	0.14%	0.19%	0.16%	0.07%	0.10%	0.11%	0.13%	0.20%
DIIs	0.90%	0.83%	0.84%	1.00%	0.85%	0.94%	1.16%	1.26%	1.27%	1.37%	1.35%	1.33%
Public	2.52%	2.58%	2.55%	2.43%	2.49%	2.37%	2.17%	2.15%	2.13%	2.02%	2.03%	1.96%
No. of Shareholders	33,78,799	32,81,544	31,34,541	29,36,740	27,16,181	25,63,693	23,98,130	23,75,396	23,71,841	22,77,180	22,27,966	21,55,417

Shareholding Pattern Chart

No. of Shareholders

Life Insurance Corporation of India: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
ICICI Prudential Value Fund	8,536,263	1.19	729.77	N/A	N/A	N/A
ICICI Prudential Multi Asset Fund	8,272,301	0.9	707.2	N/A	N/A	N/A
Quant ELSS Tax Saver Fund	6,867,735	4.73	587.12	N/A	N/A	N/A
Kotak Multicap Fund	3,539,880	1.31	302.62	N/A	N/A	N/A
Quant Flexi Cap Fund	3,231,253	4.12	276.24	N/A	N/A	N/A
SBI Contra Fund	3,101,220	0.53	265.12	N/A	N/A	N/A
SBI Balanced Advantage Fund	2,418,084	0.52	206.72	N/A	N/A	N/A
SBI ELSS Tax Saver Fund	2,347,834	0.62	200.72	N/A	N/A	N/A
ICICI Prudential Large Cap Fund	2,292,995	0.25	196.03	N/A	N/A	N/A
ICICI Prudential Equity & Debt Fund	2,278,421	0.39	194.78	N/A	N/A	N/A

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	76.40	64.69	56.91	6.52	4.70
Diluted EPS (Rs.)	76.40	64.69	56.91	6.52	4.70
Cash EPS (Rs.)	69.60	58.99	51.03	0.57	267.39
Book Value[Excl.RevalReserv]/Share (Rs.)	201.15	130.82	73.28	18.11	698.13
Book Value[Incl.RevalReserv]/Share (Rs.)	201.15	130.82	73.28	18.11	698.32
Revenue From Operations / Share (Rs.)	1407.07	1337.50	1240.52	1144.37	69094.19
PBDIT / Share (Rs.)	87.44	66.96	69.15	9.76	1358.35
PBIT / Share (Rs.)	86.64	66.22	68.41	9.07	1316.68
PBT / Share (Rs.)	86.41	66.02	68.29	8.93	1305.32
Net Profit / Share (Rs.)	68.80	58.25	50.30	-0.11	225.73
NP After MI And SOA / Share (Rs.)	76.39	64.69	56.91	6.52	297.41
PBDIT Margin (%)	6.21	5.00	5.57	0.85	1.96
PBIT Margin (%)	6.15	4.95	5.51	0.79	1.90
PBT Margin (%)	6.14	4.93	5.50	0.78	1.88
Net Profit Margin (%)	4.88	4.35	4.05	0.00	0.32
NP After MI And SOA Margin (%)	5.42	4.83	4.58	0.56	0.43
Return on Networth / Equity (%)	37.98	49.44	77.86	36.38	43.21
Return on Capital Employeed (%)	0.97	0.79	0.95	0.13	0.35
Return On Assets (%)	0.85	0.76	0.78	0.09	0.07
Asset Turnover Ratio (%)	0.16	0.17	0.17	0.17	0.18
Current Ratio (X)	4.32	3.09	3.32	2.78	2.23
Quick Ratio (X)	4.32	3.09	3.32	2.78	2.23
Dividend Payout Ratio (NP) (%)	7.85	10.82	2.63	0.67	0.42
Dividend Payout Ratio (CP) (%)	7.77	10.69	2.60	0.60	0.37
Earning Retention Ratio (%)	92.15	89.18	97.37	99.33	99.58
Cash Earning Retention Ratio (%)	92.23	89.31	97.40	99.40	99.63
Interest Coverage Ratio (X)	387.69	331.18	564.85	71.21	119.55
Interest Coverage Ratio (Post Tax) (X)	328.43	279.85	488.24	-26.24	35.12
Enterprise Value (Cr.)	436329.36	536812.76	292784.51	0.00	0.00
EV / Net Operating Revenue (X)	0.49	0.63	0.37	0.00	0.00
EV / EBITDA (X)	7.89	12.68	6.69	0.00	0.00
MarketCap / Net Operating Revenue (X)	0.56	0.68	0.43	0.00	0.00
Retention Ratios (%)	92.14	89.17	97.36	99.32	99.57
Price / BV (X)	3.98	6.99	7.31	0.00	0.00
Price / Net Operating Revenue (X)	0.56	0.68	0.43	0.00	0.00
EarningsYield	0.09	0.07	0.10	0.00	0.00

After reviewing the key financial ratios for Life Insurance Corporation of India, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 25, the value is 76.40. This value is within the healthy range. It has increased from 64.69 (Mar 24) to 76.40, marking an increase of 11.71.
For Diluted EPS (Rs.), as of Mar 25, the value is 76.40. This value is within the healthy range. It has increased from 64.69 (Mar 24) to 76.40, marking an increase of 11.71.
For Cash EPS (Rs.), as of Mar 25, the value is 69.60. This value is within the healthy range. It has increased from 58.99 (Mar 24) to 69.60, marking an increase of 10.61.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 201.15. It has increased from 130.82 (Mar 24) to 201.15, marking an increase of 70.33.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 201.15. It has increased from 130.82 (Mar 24) to 201.15, marking an increase of 70.33.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1,407.07. It has increased from 1,337.50 (Mar 24) to 1,407.07, marking an increase of 69.57.
For PBDIT / Share (Rs.), as of Mar 25, the value is 87.44. This value is within the healthy range. It has increased from 66.96 (Mar 24) to 87.44, marking an increase of 20.48.
For PBIT / Share (Rs.), as of Mar 25, the value is 86.64. This value is within the healthy range. It has increased from 66.22 (Mar 24) to 86.64, marking an increase of 20.42.
For PBT / Share (Rs.), as of Mar 25, the value is 86.41. This value is within the healthy range. It has increased from 66.02 (Mar 24) to 86.41, marking an increase of 20.39.
For Net Profit / Share (Rs.), as of Mar 25, the value is 68.80. This value is within the healthy range. It has increased from 58.25 (Mar 24) to 68.80, marking an increase of 10.55.
For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 76.39. This value is within the healthy range. It has increased from 64.69 (Mar 24) to 76.39, marking an increase of 11.70.
For PBDIT Margin (%), as of Mar 25, the value is 6.21. This value is below the healthy minimum of 10. It has increased from 5.00 (Mar 24) to 6.21, marking an increase of 1.21.
For PBIT Margin (%), as of Mar 25, the value is 6.15. This value is below the healthy minimum of 10. It has increased from 4.95 (Mar 24) to 6.15, marking an increase of 1.20.
For PBT Margin (%), as of Mar 25, the value is 6.14. This value is below the healthy minimum of 10. It has increased from 4.93 (Mar 24) to 6.14, marking an increase of 1.21.
For Net Profit Margin (%), as of Mar 25, the value is 4.88. This value is below the healthy minimum of 5. It has increased from 4.35 (Mar 24) to 4.88, marking an increase of 0.53.
For NP After MI And SOA Margin (%), as of Mar 25, the value is 5.42. This value is below the healthy minimum of 8. It has increased from 4.83 (Mar 24) to 5.42, marking an increase of 0.59.
For Return on Networth / Equity (%), as of Mar 25, the value is 37.98. This value is within the healthy range. It has decreased from 49.44 (Mar 24) to 37.98, marking a decrease of 11.46.
For Return on Capital Employeed (%), as of Mar 25, the value is 0.97. This value is below the healthy minimum of 10. It has increased from 0.79 (Mar 24) to 0.97, marking an increase of 0.18.
For Return On Assets (%), as of Mar 25, the value is 0.85. This value is below the healthy minimum of 5. It has increased from 0.76 (Mar 24) to 0.85, marking an increase of 0.09.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. It has decreased from 0.17 (Mar 24) to 0.16, marking a decrease of 0.01.
For Current Ratio (X), as of Mar 25, the value is 4.32. This value exceeds the healthy maximum of 3. It has increased from 3.09 (Mar 24) to 4.32, marking an increase of 1.23.
For Quick Ratio (X), as of Mar 25, the value is 4.32. This value exceeds the healthy maximum of 2. It has increased from 3.09 (Mar 24) to 4.32, marking an increase of 1.23.
For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 7.85. This value is below the healthy minimum of 20. It has decreased from 10.82 (Mar 24) to 7.85, marking a decrease of 2.97.
For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 7.77. This value is below the healthy minimum of 20. It has decreased from 10.69 (Mar 24) to 7.77, marking a decrease of 2.92.
For Earning Retention Ratio (%), as of Mar 25, the value is 92.15. This value exceeds the healthy maximum of 70. It has increased from 89.18 (Mar 24) to 92.15, marking an increase of 2.97.
For Cash Earning Retention Ratio (%), as of Mar 25, the value is 92.23. This value exceeds the healthy maximum of 70. It has increased from 89.31 (Mar 24) to 92.23, marking an increase of 2.92.
For Interest Coverage Ratio (X), as of Mar 25, the value is 387.69. This value is within the healthy range. It has increased from 331.18 (Mar 24) to 387.69, marking an increase of 56.51.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 328.43. This value is within the healthy range. It has increased from 279.85 (Mar 24) to 328.43, marking an increase of 48.58.
For Enterprise Value (Cr.), as of Mar 25, the value is 436,329.36. It has decreased from 536,812.76 (Mar 24) to 436,329.36, marking a decrease of 100,483.40.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 0.49. This value is below the healthy minimum of 1. It has decreased from 0.63 (Mar 24) to 0.49, marking a decrease of 0.14.
For EV / EBITDA (X), as of Mar 25, the value is 7.89. This value is within the healthy range. It has decreased from 12.68 (Mar 24) to 7.89, marking a decrease of 4.79.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.56. This value is below the healthy minimum of 1. It has decreased from 0.68 (Mar 24) to 0.56, marking a decrease of 0.12.
For Retention Ratios (%), as of Mar 25, the value is 92.14. This value exceeds the healthy maximum of 70. It has increased from 89.17 (Mar 24) to 92.14, marking an increase of 2.97.
For Price / BV (X), as of Mar 25, the value is 3.98. This value exceeds the healthy maximum of 3. It has decreased from 6.99 (Mar 24) to 3.98, marking a decrease of 3.01.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.56. This value is below the healthy minimum of 1. It has decreased from 0.68 (Mar 24) to 0.56, marking a decrease of 0.12.
For EarningsYield, as of Mar 25, the value is 0.09. This value is below the healthy minimum of 5. It has increased from 0.07 (Mar 24) to 0.09, marking an increase of 0.02.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Error: Data is incomplete for fair value calculation.

Strength and Weakness

Strength	Weakness
The stock has a high average ROCE of 59.14%, which is a positive sign. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has shown consistent growth in sales (755.38 cr) and profit (30.75 cr) over the years.	The stock has a high average Working Capital Days of 48.29, which may not be favorable. The company has higher borrowings (65,352.63) compared to reserves (48,280.88), which may suggest financial risk.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Life Insurance Corporation of India:
1. Net Profit Margin: 4.88%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 0.97% (Industry Average ROCE: 19.32%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 37.98% (Industry Average ROE: 17.85%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 328.43
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 4.32
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 10.4 (Industry average Stock P/E: 121.44)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Life Insurance Corporation of India is a Public Limited Listed company incorporated on 01/09/1956 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is U74140HR2021FTC096642 and registration number is 512. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 886763.26 Cr. and Equity Capital is Rs. 6325.00 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance - Life Insurance	Yogakshema, Mumbai Maharashtra 400021	Contact not found

Management
Name	Position Held
Mr. Doraiswamy Ramchandran	Managing Director & CEO
Mr. Dinesh Pant	Managing Director
Mr. Ratnakar Patnaik	Managing Director
Mr. Sat Pal Bhanoo	Managing Director
Dr. Ranjan Sharma	Independent Director
Prof. Anil Kumar	Independent Director
Mr. Vinod Kumar Verma	Independent Director
Mrs. Anjuly Chib Duggal	Independent Director
Mr. G Mahalingam	Independent Director
Mr. Raj Kamal	Independent Director
Dr. V S Parthasarthy	Independent Director
Mr. Muthu Raju Paravasa Raju Vijay Kumar	Independent Director
Dr. Parshant Kumar Goyal	Government Nominee Director

FAQ

What is the intrinsic value of Life Insurance Corporation of India?

Life Insurance Corporation of India's intrinsic value (as of 11 February 2026) is ₹1365.50 which is 56.06% higher the current market price of ₹875.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹5,53,596 Cr. market cap, FY2025-2026 high/low of ₹980/715, reserves of ₹135,608 Cr, and liabilities of ₹5,911,256 Cr.

What is the Market Cap of Life Insurance Corporation of India?

The Market Cap of Life Insurance Corporation of India is 5,53,596 Cr..

What is the current Stock Price of Life Insurance Corporation of India as on 11 February 2026?

The current stock price of Life Insurance Corporation of India as on 11 February 2026 is ₹875.

What is the High / Low of Life Insurance Corporation of India stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Life Insurance Corporation of India stocks is ₹980/715.

What is the Stock P/E of Life Insurance Corporation of India?

The Stock P/E of Life Insurance Corporation of India is 10.4.

What is the Book Value of Life Insurance Corporation of India?

The Book Value of Life Insurance Corporation of India is 0.00.

What is the Dividend Yield of Life Insurance Corporation of India?

The Dividend Yield of Life Insurance Corporation of India is 1.37 %.

What is the ROCE of Life Insurance Corporation of India?

The ROCE of Life Insurance Corporation of India is 53.1 %.

What is the ROE of Life Insurance Corporation of India?

The ROE of Life Insurance Corporation of India is 45.7 %.

What is the Face Value of Life Insurance Corporation of India?

The Face Value of Life Insurance Corporation of India is 10.0.

Share Price and Basic Stock Data

Analyst Insight & Comprehensive Analysis

Business Overview and Revenue Trends

Profitability and Efficiency Metrics

Balance Sheet Strength and Financial Ratios

Shareholding Pattern and Investor Confidence

Outlook, Risks, and Final Insight

Stock P/E, Current Price, and Intrinsic Value Over Time

Competitors

Quarterly Result

Quarterly Chart

Profit & Loss - Annual Report

Profit & Loss Yearly Chart

YoY Net Profit Growth

Balance Sheet

Reserves and Borrowings Chart

Cash Flow

Free Cash Flow

Free Cash Flow Chart

Financial Efficiency Indicators

Financial Efficiency Indicators Chart

Share Holding Pattern

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Strength and Weakness

Stock Analysis

About the Company - Qualitative Analysis

FAQ

What is the intrinsic value of Life Insurance Corporation of India?

What is the Market Cap of Life Insurance Corporation of India?

What is the current Stock Price of Life Insurance Corporation of India as on 11 February 2026?

What is the High / Low of Life Insurance Corporation of India stocks in FY 2025-2026?

What is the Stock P/E of Life Insurance Corporation of India?

What is the Book Value of Life Insurance Corporation of India?

What is the Dividend Yield of Life Insurance Corporation of India?

What is the ROCE of Life Insurance Corporation of India?

What is the ROE of Life Insurance Corporation of India?

What is the Face Value of Life Insurance Corporation of India?