Life Insurance Corporation of India LICI NIFTY_MIDNSEFINANCIALPSU

Financial Services · Insurance - Life · India

https://www.licindia.in

Life Insurance Corporation of India provides life insurance products in India, Fiji, Mauritius, and the United Kingdom. It offers insurance plans, including endowment, whole life, term insurance plans, money back, and term assurance plans, as well as riders comprising accidental death and disability benefit, critical illness benefit, and premium waiver benefit riders. The company also provides pension, unit linked, micro insurance, withdrawal, and health plans, as well as various group schemes. Life Insurance Corporation of India was incorporated in 1956 and is based in Mumbai, India.

Market & Price

Market Cap

₹2.60 L Cr

Current Price

₹411.35

High / Low (52W)

₹480.03 / ₹362.82

Beta

0.57

Valuation

Stock P/E

9.06

Industry PE

19.12

Forward P/E

3.65

PEG Ratio

Book Value

₹192.55

Price to Book

2.14

P/S

0.27

EV/EBITDA

8.24

Dividend Yield

2.43%

Profitability & Returns

ROCE

ROE

42.36%

ROA

0.58%

Profit Margin

6.56%

Op Margin

5.01%

EPS (Latest Qtr)

₹37.10

EPS (TTM)

₹45.41

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

1.84

Current Ratio

5.95

Debt

₹0

Total Assets

₹59.49 L Cr

Current Assets

Working Capital

Ownership

Promoter Holding

193.00%

Chg in Prom Hold

FII / Inst Holding

2.41%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹4.45 L Cr

Total Revenue (TTM)

₹9.82 L Cr

EBITDA

₹53,983.46 Cr

Free Cash Flow

₹4,030.76 Cr

Operating Cash Flow

₹-26,211.48 Cr

Shares Outstanding

₹632.50 Cr

Gross Margin

9.68%

Payout Ratio

13.21%

Growth (CAGR)

Revenue 5Y

7.61%

Profit 5Y

16.86%

Revenue (YoY)

14.80%

Earnings (YoY)

66.00%

PROS

Strong return on equity of 42.4%.
Profit CAGR of 16.9% over 5 years.
Generates positive free cash flow.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
7	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
8	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%
9	JIOFIN Jio Financial Services Limited NIFTY50NSEAIFINANCIAL	238.95	99.15	₹1.58 L Cr	0.21%	1.63%	1.21%	407.38%	268.28%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026
Revenue	2.32 L Cr	2.03 L Cr	2.44 L Cr	2.25 L Cr	2.36 L Cr	2.77 L Cr
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-
Pretax Income	7,735.08 Cr	11,018.39 Cr	19,045.74 Cr	10,985.77 Cr	12,879.74 Cr	23,456.69 Cr
Tax Provision	6.40 Cr	9.74 Cr	7.07 Cr	28.70 Cr	-50.70 Cr	-10.49 Cr
Net Income	7,728.68 Cr	11,008.65 Cr	19,038.67 Cr	10,957.05 Cr	12,930.44 Cr	23,467.18 Cr
Diluted EPS	12.22	17.40	30.10	17.32	20.44	37.10

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	7.85 L Cr	8.49 L Cr	8.91 L Cr	9.79 L Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	4,251.28 Cr	36,158.37 Cr	41,184.48 Cr	48,493.26 Cr	-
EBITDA	-	-	-	-	-
Interest Expense	86.70 Cr	77.43 Cr	127.88 Cr	142.65 Cr	-
Pretax Income	-	36,080.94 Cr	41,056.60 Cr	48,350.61 Cr	57,523.88 Cr
Tax Provision	-	84.29 Cr	140.75 Cr	30.28 Cr	70.73 Cr
Net Income	-	35,996.65 Cr	40,915.85 Cr	48,320.33 Cr	57,453.15 Cr
Diluted EPS	6.52	56.91	64.69	76.40	-

Compounded Sales Growth

5 Years:	7.61%
1 Year:	14.80%

Compounded Profit Growth

5 Years:	16.86%
1 Year:	66.00%

Stock Price Performance

1 Year:	-11.74%
6 Months:	-8.35%
3 Months:	-6.72%
1 Month:	+3.11%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	45.78 L Cr	53.16 L Cr	56.61 L Cr	59.49 L Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	30,902.33 Cr	36,165.31 Cr	54,453.63 Cr	72,013.17 Cr
Inventory	72.53 Cr	63.40 Cr	57.55 Cr	55.73 Cr	-
Receivables	10,605.77 Cr	15,274.69 Cr	15,239.23 Cr	11,997.91 Cr	-
Total Liabilities	-	45.32 L Cr	52.33 L Cr	55.33 L Cr	57.72 L Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	1.29 Cr	-	-	-	-
Total Debt	1.29 Cr	-	-	-	-
Total Equity	-	46,232.87 Cr	82,746.87 Cr	1.27 L Cr	1.77 L Cr
Shares Outstanding	-	632.50 Cr	632.50 Cr	632.50 Cr	632.50 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-	-	-	-
Investing Cash Flow	-	-54,471.53 Cr	-25,826.31 Cr	40,999.23 Cr	34,707.94 Cr
Financing Cash Flow	-	-948.59 Cr	-4,427.20 Cr	-3,794.28 Cr	-7,625.55 Cr
Capital Expenditure	-	-886.47 Cr	-767.77 Cr	-776.73 Cr	-1,115.78 Cr
Free Cash Flow	-	53,632.04 Cr	25,780.17 Cr	-10,497.30 Cr	-27,327.26 Cr
Net Change in Cash	-	-901.61 Cr	-3,705.57 Cr	27,484.38 Cr	870.91 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	4.6%	4.9%	5.4%	-
Net Margin %	-	4.6%	4.8%	5.4%	5.9%
ROE %	-	77.9%	49.4%	38.0%	32.5%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

193.00%

Institutions

2.41%

Public Float

-2.59%

Analyst View

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LICI · Financial Services