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

Fair Value

₹375.94Fairly Valued by 4.34%vs CMP ₹393.00

P/E (8.7) × ROE (37.8%) × BV (₹140.00) × DY (2.54%)

₹530.94Undervalued by 35.10%vs CMP ₹393.00
MoS: +26% (Adequate)Confidence: 48/100 (Moderate)Models: 5 Under, 1 Fair, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹626.5423%Under (+59.4%)
Graham NumberEarnings₹513.8717%Under (+30.8%)
Earnings PowerEarnings₹272.1311%Over (-30.8%)
DCFCash Flow₹1,027.3611%Under (+161.4%)
Net Asset ValueAssets₹139.547%Over (-64.5%)
EV/EBITDAEnterprise₹424.959%Fair (+8.1%)
Earnings YieldEarnings₹838.307%Under (+113.3%)
ROCE CapitalReturns₹1.517%Over (-99.6%)
Revenue MultipleRevenue₹703.186%Under (+78.9%)
Consensus (9 models)₹530.94100%Undervalued
Key Drivers: EPS CAGR 66.7% lifts DCF — verify sustainability. | Wide model spread (₹2–₹1,027) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 66.7%

*Investments are subject to market risks

Analyst Summary

Life Insurance Corporation of India operates in the Finance - Life Insurance segment, NSE: LICI | BSE: 543526, current market price is ₹393.00, market cap is 4,97,398 Cr.. At a glance, stock P/E is 8.66, ROE is 37.8 %, ROCE is 35.1 %, book value is 140, dividend yield is 2.54 %. The latest intrinsic value estimate is ₹530.94, which is about 35.1% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹889,970 Cr versus the prior period change of 5.2%, while latest net profit is about ₹48,320 Cr with a prior-period change of 18.1%. The 52-week range shown on this page is 490/361, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisLife 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 N…

This summary is generated from the stock page data available for Life Insurance Corporation of India: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

77
Life Insurance Corporation of India scores 77/100 (Strong)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health92/100 · Strong
ROCE 35.1% ExcellentROE 37.8% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.10% (6mo) Slight increasePromoter holding at 96.5% Stable
Earnings Quality75/100 · Strong
OPM expanding (2% → 5%) ImprovingWorking capital: 38 days (improving) Efficient
Quarterly Momentum58/100 · Moderate
Revenue (4Q): +10% YoY GrowingProfit (4Q): +19% YoY PositiveOPM: 4.0% (down 5.0% YoY) Margin pressure
Industry Rank85/100 · Strong
P/E 8.7 vs industry 166.1 Cheaper than peersROCE 35.1% vs industry 14.7% Above peersROE 37.8% vs industry 15.4% Above peers3Y sales CAGR: 7% Slow

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: June 12, 2026, 8:53 am

Market Cap 4,97,398 Cr.
Current Price 393
Intrinsic Value₹530.94
High / Low 490/361
Stock P/E8.66
Book Value 140
Dividend Yield2.54 %
ROCE35.1 %
ROE37.8 %
Face Value 10.0
PEG Ratio0.13

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 4,97,398 Cr. 393 490/3618.66 1402.54 %35.1 %37.8 % 10.0
SBI Life Insurance Company Ltd (SBILIFE) 1,72,429 Cr. 1,719 2,133/1,70469.8 1900.16 %15.0 %13.7 % 10.0
HDFC Life Insurance Company Ltd 1,17,662 Cr. 545 821/54361.5 82.30.39 %10.3 %11.3 % 10.0
ICICI Prudential Life Insurance Company Ltd 66,789 Cr. 460 707/46041.5 94.00.36 %10.1 %12.6 % 10.0
Max Financial Services Ltd 53,910 Cr. 1,562 1,892/1,408649 1530.00 %2.95 %1.57 % 2.00
Industry Average181,637.60 Cr935.80166.09131.860.69%14.69%15.39%8.40

All Competitor Stocks of Life Insurance Corporation of India

Quarterly Result

MetricMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales 201,231190,163203,033214,054238,717211,952231,132203,751243,134224,671241,524235,954276,744
Expenses 189,692180,169194,558204,815237,152202,180224,544191,818221,621214,198232,032223,588265,521
Operating Profit 11,5399,9948,4759,2391,5649,7736,58811,93421,51410,4749,49212,36611,222
OPM % 6%5%4%4%1%5%3%6%9%5%4%5%4%
Other Income 61211728820614,2491,0017948189547801,0448223,166
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 12,15110,1118,7639,44515,81310,7747,38212,75222,46811,25310,53713,18814,388
Tax % 8%14%13%15%12%15%16%14%15%15%14%15%-63%
Net Profit 13,1899,6348,0329,43413,84210,5277,72311,00919,03910,95510,09612,90823,467
EPS in Rs 10.437.626.357.4910.948.346.118.7015.058.667.9810.2218.55

Last Updated: June 11, 2026, 5:30 am

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: June 11, 2026, 2:00 am

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 1001001006,3256,3256,3256,3256,325
Reserves 7109026,7845,01239,90876,422120,901170,280
Borrowings 269,401253,414410001
Other Liabilities 3,157,0393,245,4193,822,6374,242,7194,532,2585,233,3005,533,3425,771,950
Total Liabilities 3,427,2493,499,8343,829,5244,254,0584,578,4915,316,0475,660,5685,948,556
Fixed Assets 25,19428,21617,72317,77020,47320,66721,3304,757
CWIP 7107341481993314033260
Investments 2,900,2872,976,1003,517,4453,926,2114,243,0084,976,1335,298,4295,580,356
Other Assets 501,059494,784294,208309,878314,678318,844340,483363,444
Total Assets 3,427,2493,499,8343,829,5244,254,0584,578,4915,316,0475,660,5685,948,556

Reserves and Borrowings Chart

Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 13,27454,36780,602-3,78354,51926,548-9,145-26,211
Cash from Investing Activity + 9,636-40,415148,44712,531-52,848-25,69540,83234,708
Cash from Financing Activity + -13,700-18,664-256,1250-949-4,427-3,794-7,626
Net Cash Flow 9,210-4,712-27,0778,748722-3,57427,893871
Free Cash Flow 11,28153,44786,765-3,87953,97625,835-9,860-27,181
CFO/OP 500%-908%-27,549%108%143%64%-18%-43%

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 Multi Asset Fund 9,228,039 0.88 736.319,134,8582026-06-11 00:51:091.02%
ICICI Prudential Value Fund 9,141,679 1.22 729.418,536,2632026-06-11 00:51:097.09%
Quant ELSS Tax Saver Fund 6,867,735 4.38 547.98N/AN/AN/A
Kotak Multicap Fund 3,539,880 1.1 282.45N/AN/AN/A
ICICI Prudential Equity & Debt Fund 3,438,802 0.54 274.382,938,8022026-06-11 00:51:0917.01%
Quant Flexi Cap Fund 2,781,672 3.37 221.953,231,2532026-03-12 05:25:50-13.91%
ICICI Prudential Large Cap Fund 2,676,706 0.28 213.572,292,9952026-03-31 01:10:4316.73%
ICICI Prudential Balanced Advantage Fund 2,119,721 0.24 169.13N/AN/AN/A
Quant Infrastructure Fund 1,681,449 4.37 134.16N/AN/AN/A
ICICI Prudential PSU Equity Fund 1,207,349 4.88 96.33N/AN/AN/A

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

MonthMar 26Mar 25Mar 24Mar 23Mar 22
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 90.8476.4064.6956.916.52
Diluted EPS (Rs.) 90.8476.4064.6956.916.52
Cash EPS (Rs.) 81.5769.6058.9951.030.57
Book Value[Excl.RevalReserv]/Share (Rs.) 279.22201.15130.8273.2818.11
Book Value[Incl.RevalReserv]/Share (Rs.) 279.22201.15130.8273.2818.11
Revenue From Operations / Share (Rs.) 1547.661407.071337.501240.521144.37
PBDIT / Share (Rs.) 86.3287.4466.9669.159.76
PBIT / Share (Rs.) 86.3286.6466.2268.419.07
PBT / Share (Rs.) 86.3286.4166.0268.298.93
Net Profit / Share (Rs.) 81.5768.8058.2550.30-0.11
NP After MI And SOA / Share (Rs.) 90.8376.3964.6956.916.52
PBDIT Margin (%) 5.576.215.005.570.85
PBIT Margin (%) 5.576.154.955.510.79
PBT Margin (%) 5.576.144.935.500.78
Net Profit Margin (%) 5.274.884.354.050.00
NP After MI And SOA Margin (%) 5.865.424.834.580.56
Return on Networth / Equity (%) 32.5337.9849.4477.8636.38
Return on Capital Employeed (%) 0.920.970.790.950.13
Return On Assets (%) 0.960.850.760.780.09
Asset Turnover Ratio (%) 0.160.160.170.170.17
Current Ratio (X) 5.954.323.093.322.78
Quick Ratio (X) 5.954.323.093.322.78
Dividend Payout Ratio (NP) (%) 0.007.8510.822.630.67
Dividend Payout Ratio (CP) (%) 0.007.7710.692.600.60
Earning Retention Ratio (%) 0.0092.1589.1897.3799.33
Cash Earning Retention Ratio (%) 0.0092.2389.3197.4099.40
Interest Coverage Ratio (X) 0.00387.69331.18564.8571.21
Interest Coverage Ratio (Post Tax) (X) 0.00328.43279.85488.24-26.24
Enterprise Value (Cr.) 387109.23436329.36536812.76292784.510.00
EV / Net Operating Revenue (X) 0.390.490.630.370.00
EV / EBITDA (X) 7.097.8912.686.690.00
MarketCap / Net Operating Revenue (X) 0.460.560.680.430.00
Retention Ratios (%) 0.0092.1489.1797.3699.32
Price / BV (X) 2.603.986.997.310.00
Price / Net Operating Revenue (X) 0.460.560.680.430.00
EarningsYield 0.120.090.070.100.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 976279.58 Cr. and Equity Capital is Rs. 6325.00 Cr. for the Year ended 31/03/2026.
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 and is it undervalued?

As of 14 June 2026, Life Insurance Corporation of India's intrinsic value is ₹530.94, which is 35.10% higher than the current market price of ₹393.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (37.8 %), book value (₹140), dividend yield (2.54 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Life Insurance Corporation of India?

Life Insurance Corporation of India is trading at ₹393.00 as of 14 June 2026, with a FY2026-2027 high of ₹490 and low of ₹361. The stock is currently near its 52-week low. Market cap stands at ₹4,97,398 Cr..

How does Life Insurance Corporation of India's P/E ratio compare to its industry?

Life Insurance Corporation of India has a P/E ratio of 8.66, which is below the industry average of 166.09. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Life Insurance Corporation of India financially healthy?

Key indicators for Life Insurance Corporation of India: ROCE of 35.1 % indicates efficient capital utilization; ROE of 37.8 % shows strong shareholder returns. Dividend yield is 2.54 %.

Is Life Insurance Corporation of India profitable and how is the profit trend?

Life Insurance Corporation of India reported a net profit of ₹48,320 Cr in Mar 2025 on revenue of ₹889,970 Cr. Compared to ₹4,125 Cr in Mar 2022, the net profit shows an improving trend.

Does Life Insurance Corporation of India pay dividends?

Life Insurance Corporation of India has a dividend yield of 2.54 % at the current price of ₹393.00. This is a relatively attractive yield for income-seeking investors.

Last Updated: June 12, 2026, 8:53 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543526 | NSE: LICI
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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