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Last Updated: March 3, 2026, 2:33 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543526 | NSE: LICI

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

Share Price and Basic Stock Data

Last Updated: March 3, 2026, 2:33 pm

Market Cap 5,32,533 Cr.
Current Price 842
Intrinsic Value₹1,384.36
High / Low 980/723
Stock P/E10.0
Book Value 224
Dividend Yield1.43 %
ROCE53.1 %
ROE45.7 %
Face Value 10.0
PEG Ratio0.15

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

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 5,32,533 Cr. 842 980/72310.0 2241.43 %53.1 %45.7 % 10.0
SBI Life Insurance Company Ltd (SBILIFE) 2,03,833 Cr. 2,032 2,133/1,38082.2 1900.13 %16.9 %15.1 % 10.0
HDFC Life Insurance Company Ltd 1,52,608 Cr. 707 821/60980.7 81.60.30 %6.58 %10.8 % 10.0
ICICI Prudential Life Insurance Company Ltd 94,699 Cr. 654 707/51769.2 92.90.13 %11.9 %10.4 % 10.0
Max Financial Services Ltd 62,355 Cr. 1,807 1,892/950434 1540.00 %8.13 %7.26 % 2.00
Industry Average209,205.60 Cr1,208.40135.22148.500.40%19.32%17.85%8.40

All Competitor Stocks of Life Insurance Corporation of India

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 197,714201,231190,163203,033214,054238,717211,952231,132203,751243,134224,671241,524235,954
Expenses 194,094189,692180,169194,558204,815237,152202,180224,544191,818221,621214,198232,032223,588
Operating Profit 3,62011,5399,9948,4759,2391,5649,7736,58811,93421,51410,4749,49212,366
OPM % 2%6%5%4%4%1%5%3%6%9%5%4%5%
Other Income 27061211728820614,2491,0017948189547801,044822
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 3,89112,15110,1118,7639,44515,81310,7747,38212,75222,46811,25310,53713,188
Tax % -63%8%14%13%15%12%15%16%14%15%15%14%15%
Net Profit 7,30613,1899,6348,0329,43413,84210,5277,72311,00919,03910,95510,09612,908
EPS in Rs 11.5620.8615.2312.7014.9721.8816.6712.2217.4030.1017.3215.9720.44

Last Updated: March 3, 2026, 5:46 am

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

  • For Sales, as of Dec 2025, the value is 235,954.00 Cr.. The value appears to be declining and may need further review. It has decreased from 241,524.00 Cr. (Sep 2025) to 235,954.00 Cr., marking a decrease of 5,570.00 Cr..
  • For Expenses, as of Dec 2025, the value is 223,588.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 232,032.00 Cr. (Sep 2025) to 223,588.00 Cr., marking a decrease of 8,444.00 Cr..
  • For Operating Profit, as of Dec 2025, the value is 12,366.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,492.00 Cr. (Sep 2025) to 12,366.00 Cr., marking an increase of 2,874.00 Cr..
  • For OPM %, as of Dec 2025, the value is 5.00%. The value appears strong and on an upward trend. It has increased from 4.00% (Sep 2025) to 5.00%, marking an increase of 1.00%.
  • For Other Income, as of Dec 2025, the value is 822.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,044.00 Cr. (Sep 2025) to 822.00 Cr., marking a decrease of 222.00 Cr..
  • For Interest, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 13,188.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,537.00 Cr. (Sep 2025) to 13,188.00 Cr., marking an increase of 2,651.00 Cr..
  • For Tax %, as of Dec 2025, the value is 15.00%. The value appears to be increasing, which may not be favorable. It has increased from 14.00% (Sep 2025) to 15.00%, marking an increase of 1.00%.
  • For Net Profit, as of Dec 2025, the value is 12,908.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,096.00 Cr. (Sep 2025) to 12,908.00 Cr., marking an increase of 2,812.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 20.44. The value appears strong and on an upward trend. It has increased from 15.97 (Sep 2025) to 20.44, marking an increase of 4.47.

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: February 12, 2026, 5:10 pm

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 571,508628,043690,914723,606784,628845,966889,970945,284
Expenses 565,587634,989691,166720,280750,498813,316836,692891,439
Operating Profit 5,920-6,947-2523,32634,13032,65153,27853,846
OPM % 1%-1%-0%0%4%4%6%6%
Other Income 2,61520,87012,8209,2487,80014,8293,4953,600
Interest 00000000
Depreciation 3363794174364664665060
Profit before tax 8,19913,54412,15112,13841,46347,01456,26757,446
Tax % 68%80%76%66%13%13%14%
Net Profit 2,6272,7102,9744,12535,99740,91648,32052,998
EPS in Rs 6.5256.9164.6976.4083.83
Dividend Payout % 2%2%0%23%5%15%16%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1001001006,3256,3256,3256,3256,325
Reserves 7109026,7845,01239,90876,422120,901135,608
Borrowings 269,401253,414410001
Other Liabilities 3,157,0393,245,4193,822,6374,242,7194,532,2585,233,3005,533,3425,769,322
Total Liabilities 3,427,2493,499,8343,829,5244,254,0584,578,4915,316,0475,660,5685,911,256
Fixed Assets 25,19428,21617,72317,77020,47320,66721,3304,530
CWIP 7107341481993314033260
Investments 2,900,2872,976,1003,517,4453,926,2114,243,0084,976,1335,298,4295,571,626
Other Assets 501,059494,784294,208309,878314,678318,844340,483335,099
Total Assets 3,427,2493,499,8343,829,5244,254,0584,578,4915,316,0475,660,5685,911,256

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

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 13,27454,36780,602-3,78354,51926,548-9,145
Cash from Investing Activity + 9,636-40,415148,44712,531-52,848-25,69540,832
Cash from Financing Activity + -13,700-18,664-256,1250-949-4,427-3,794
Net Cash Flow 9,210-4,712-27,0778,748722-3,57427,893

Free Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-264.00-259.00-256.002.0034.0032.0053.00

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

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 0000000
Inventory Days
Days Payable
Cash Conversion Cycle 0000000
Working Capital Days 78633542433938
ROCE %5%9%131%143%73%53%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 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 33,78,79932,81,54431,34,54129,36,74027,16,18125,63,69323,98,13023,75,39623,71,84122,77,18022,27,96621,55,417

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
ICICI Prudential Value Fund 8,536,263 1.17 703.81N/AN/AN/A
ICICI Prudential Multi Asset Fund 8,272,301 0.84 682.05N/AN/AN/A
Quant ELSS Tax Saver Fund 6,867,735 4.82 566.24N/AN/AN/A
Kotak Multicap Fund 3,539,880 1.29 291.86N/AN/AN/A
Quant Flexi Cap Fund 3,231,253 4.28 266.42N/AN/AN/A
SBI Contra Fund 3,101,220 0.52 255.7N/AN/AN/A
ICICI Prudential Equity & Debt Fund 2,938,802 0.49 242.32,278,4212026-02-23 00:15:3628.98%
SBI Balanced Advantage Fund 2,418,084 0.5 199.37N/AN/AN/A
SBI ELSS Tax Saver Fund 2,347,834 0.61 193.58N/AN/AN/A
ICICI Prudential Large Cap Fund 2,292,995 0.25 189.06N/AN/AN/A

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 76.4064.6956.916.524.70
Diluted EPS (Rs.) 76.4064.6956.916.524.70
Cash EPS (Rs.) 69.6058.9951.030.57267.39
Book Value[Excl.RevalReserv]/Share (Rs.) 201.15130.8273.2818.11698.13
Book Value[Incl.RevalReserv]/Share (Rs.) 201.15130.8273.2818.11698.32
Revenue From Operations / Share (Rs.) 1407.071337.501240.521144.3769094.19
PBDIT / Share (Rs.) 87.4466.9669.159.761358.35
PBIT / Share (Rs.) 86.6466.2268.419.071316.68
PBT / Share (Rs.) 86.4166.0268.298.931305.32
Net Profit / Share (Rs.) 68.8058.2550.30-0.11225.73
NP After MI And SOA / Share (Rs.) 76.3964.6956.916.52297.41
PBDIT Margin (%) 6.215.005.570.851.96
PBIT Margin (%) 6.154.955.510.791.90
PBT Margin (%) 6.144.935.500.781.88
Net Profit Margin (%) 4.884.354.050.000.32
NP After MI And SOA Margin (%) 5.424.834.580.560.43
Return on Networth / Equity (%) 37.9849.4477.8636.3843.21
Return on Capital Employeed (%) 0.970.790.950.130.35
Return On Assets (%) 0.850.760.780.090.07
Asset Turnover Ratio (%) 0.160.170.170.170.18
Current Ratio (X) 4.323.093.322.782.23
Quick Ratio (X) 4.323.093.322.782.23
Dividend Payout Ratio (NP) (%) 7.8510.822.630.670.42
Dividend Payout Ratio (CP) (%) 7.7710.692.600.600.37
Earning Retention Ratio (%) 92.1589.1897.3799.3399.58
Cash Earning Retention Ratio (%) 92.2389.3197.4099.4099.63
Interest Coverage Ratio (X) 387.69331.18564.8571.21119.55
Interest Coverage Ratio (Post Tax) (X) 328.43279.85488.24-26.2435.12
Enterprise Value (Cr.) 436329.36536812.76292784.510.000.00
EV / Net Operating Revenue (X) 0.490.630.370.000.00
EV / EBITDA (X) 7.8912.686.690.000.00
MarketCap / Net Operating Revenue (X) 0.560.680.430.000.00
Retention Ratios (%) 92.1489.1797.3699.3299.57
Price / BV (X) 3.986.997.310.000.00
Price / Net Operating Revenue (X) 0.560.680.430.000.00
EarningsYield 0.090.070.100.000.00

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

Fair Value

Fair Value of Life Insurance Corporation of India as of March 4, 2026 is: ₹830.65

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 4, 2026, Life Insurance Corporation of India is Overvalued by 1.35% compared to the current share price ₹842.00

Intrinsic Value of Life Insurance Corporation of India as of March 4, 2026 is: ₹1,384.36

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 4, 2026, Life Insurance Corporation of India is Undervalued by 64.41% compared to the current share price ₹842.00

Last 5 Year EPS CAGR: 66.66%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a high average ROCE of 59.14%, which is a positive sign.
  2. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign.
  3. The company has shown consistent growth in sales (759.38 cr) and profit (30.75 cr) over the years.
  1. The stock has a high average Working Capital Days of 48.29, which may not be favorable.
  2. 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 (Industry average Stock P/E: 135.22)
      • 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.
INDUSTRYADDRESSCONTACT
Finance - Life InsuranceYogakshema, Mumbai Maharashtra 400021Contact not found
Management
NamePosition Held
Mr. Doraiswamy RamchandranManaging Director & CEO
Mr. Dinesh PantManaging Director
Mr. Ratnakar PatnaikManaging Director
Mr. Sat Pal BhanooManaging Director
Dr. Ranjan SharmaIndependent Director
Prof. Anil KumarIndependent Director
Mr. Vinod Kumar VermaIndependent Director
Mrs. Anjuly Chib DuggalIndependent Director
Mr. G MahalingamIndependent Director
Mr. Raj KamalIndependent Director
Dr. V S ParthasarthyIndependent Director
Mr. Muthu Raju Paravasa Raju Vijay KumarIndependent Director
Dr. Parshant Kumar GoyalGovernment Nominee Director

FAQ

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

Life Insurance Corporation of India's intrinsic value (as of 04 March 2026) is ₹1384.36 which is 64.41% higher the current market price of ₹842.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹5,32,533 Cr. market cap, FY2025-2026 high/low of ₹980/723, 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 5,32,533 Cr..

What is the current Stock Price of Life Insurance Corporation of India as on 04 March 2026?

The current stock price of Life Insurance Corporation of India as on 04 March 2026 is ₹842.

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 ₹980/723.

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

The Stock P/E of Life Insurance Corporation of India is 10.0.

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

The Book Value of Life Insurance Corporation of India is 224.

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

The Dividend Yield of Life Insurance Corporation of India is 1.43 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Life Insurance Corporation of India. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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