Share Price and Basic Stock Data
Last Updated: January 22, 2026, 8:53 pm
| PEG Ratio | 0.15 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Life Insurance Corporation of India (LIC) operates in the finance sector, specifically focusing on life insurance. As of the latest reporting period, LIC recorded a share price of ₹814 and a market capitalization of ₹5,15,171 Cr. The company reported total sales of ₹784,628 Cr for the fiscal year ending March 2023, with a consistent upward trajectory in revenue, which rose to ₹889,970 Cr in March 2025. Quarterly sales figures show fluctuations, with the highest sales of ₹238,717 Cr recorded in March 2024. This revenue growth can be attributed to the company’s robust product offerings and strong distribution network, which continues to capture market share in a competitive landscape. The overall trend indicates a healthy demand for LIC’s insurance products, despite the challenges posed by regulatory changes and market competition.
Profitability and Efficiency Metrics
In terms of profitability, LIC reported a net profit of ₹51,098 Cr for the trailing twelve months, showcasing a significant increase from previous fiscal years. The company’s return on equity (ROE) stood at an impressive 45.7%, indicating effective management of shareholder funds. The operating profit margin (OPM) fluctuated, recorded at 4% overall, with a peak of 9% in March 2025, reflecting improved operational efficiency. The interest coverage ratio (ICR) was notably high at 387.69x, emphasizing LIC’s capability to meet interest obligations comfortably. However, the operating profit has varied considerably across quarters, suggesting potential volatility in operational performance. These metrics collectively highlight LIC’s strong profitability profile, but the fluctuations in OPM could signal underlying operational challenges that need addressing.
Balance Sheet Strength and Financial Ratios
LIC’s balance sheet reflects substantial strength, with total assets amounting to ₹5,911,256 Cr as of September 2025. The company’s reserves have increased significantly, reaching ₹135,608 Cr, which supports its financial stability and growth prospects. The reported debt stands at a minimal ₹1 Cr, indicating a conservative approach to leverage, which is favorable in the insurance industry. The price-to-book value (P/BV) ratio is recorded at 3.98x, suggesting the market values LIC’s equity at a premium compared to its book value. Furthermore, the current ratio of 4.32x indicates robust liquidity, providing assurance to stakeholders regarding short-term financial obligations. However, the company faces challenges with a high reliance on promoter holdings (96.50%), which may affect governance and decision-making dynamics.
Shareholding Pattern and Investor Confidence
LIC’s shareholding pattern reveals a strong promoter control with 96.50% ownership, which may limit public and institutional participation. Foreign institutional investors (FIIs) hold a mere 0.20%, while domestic institutional investors (DIIs) constitute 1.33% of the shareholding base. The total number of shareholders has declined to 21,55,417, indicating a potential reduction in retail investor interest. This concentrated ownership structure could raise concerns about the company’s governance practices and responsiveness to minority shareholders. Despite these concerns, LIC’s financial performance and growth prospects may foster confidence among existing stakeholders. However, the low participation from FIIs and DIIs suggests a need for improved transparency and engagement to attract a broader investor base.
Outlook, Risks, and Final Insight
Looking ahead, LIC’s strong financial metrics and market position suggest a favorable outlook, albeit with inherent risks. The company’s substantial reserves and high ROE position it well for future growth opportunities, particularly in a recovering economy. However, potential risks include regulatory changes in the insurance sector that could impact profitability and operational flexibility. Additionally, the high promoter stake may pose governance risks, affecting strategic decisions. To enhance investor confidence, LIC should focus on improving shareholder engagement and diversifying its shareholder base. Overall, while LIC is well-positioned to leverage its strengths in the life insurance market, it must navigate these challenges to sustain its growth trajectory and maintain investor trust.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 5,18,175 Cr. | 819 | 980/715 | 10.1 | 224 | 1.46 % | 53.1 % | 45.7 % | 10.0 |
| SBI Life Insurance Company Ltd (SBILIFE) | 2,02,762 Cr. | 2,022 | 2,116/1,373 | 82.6 | 182 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 56,069 Cr. | 1,624 | 1,765/950 | 343 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 94,748 Cr. | 654 | 707/517 | 69.2 | 92.9 | 0.13 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,56,447 Cr. | 725 | 821/595 | 82.8 | 81.6 | 0.29 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 205,640.20 Cr | 1,168.80 | 117.54 | 146.90 | 0.40% | 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.
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% |
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.
Cash Flow - No data available for this post.
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.
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% |
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 |
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.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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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:
- 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.
- 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.
- 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.
- 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.
- 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.
- Stock P/E: 10.1 (Industry average Stock P/E: 117.54)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 4.88%
About the Company - Qualitative Analysis
| 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 22 January 2026) is ₹1388.33 which is 69.52% higher the current market price of ₹819.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹5,18,175 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 5,18,175 Cr..
What is the current Stock Price of Life Insurance Corporation of India as on 22 January 2026?
The current stock price of Life Insurance Corporation of India as on 22 January 2026 is ₹819.
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 10.1.
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 1.46 %.
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.