Life Insurance Corporation Of India
LICI · General/Diversified · NSE
₹840
Current Market Price
Fair Value (DCF)
₹1,288
Margin of Safety
+53.3%
Updated 22h ago
YieldIQ Score
62/100
Piotroski F-Score
5/9
Economic Moat
Moderate
Confidence
45%
ROE
37.9%
Debt/Equity
0.00
WACC
10.1%
Market Cap
₹5.31 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
90.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
339.9×
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.16×
Revenue per ₹ of assets
Revenue CAGR (3Y)
7.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹840.05
Bear case
₹785.67
MoS -6.9%
Base case
₹1,288.18
MoS +34.8%
Bull case
₹1,632.31
MoS +48.5%
Ratio Trends
LICI · last 4 annual periods
ROE
37.9%
ROCE
—
Operating Margin
—
Debt / Equity
0.00×
PE
9.4×
EV / EBITDA
—
Historical Financials
LICI · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹726.8K Cr | ₹785.2K Cr | ₹849.0K Cr | ₹891.1K Cr | +7.0% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹4125 Cr | ₹36.0K Cr | ₹40.9K Cr | ₹48.3K Cr | +127.1% |
| EPS (diluted) | — | — | — | — | — |
| CFO | — | — | — | — | — |
| CapEx | ₹-717 Cr | ₹-886 Cr | ₹-768 Cr | ₹-777 Cr | — |
| FCF | — | — | — | — | — |
| Total Assets | ₹4254.1K Cr | ₹4578.5K Cr | ₹5316.0K Cr | ₹5660.6K Cr | +10.0% |
| Total Debt | ₹1.3 Cr | — | — | — | +0.0% |
| Shareholders' Equity | ₹11.5K Cr | ₹46.3K Cr | ₹82.9K Cr | ₹127.5K Cr | +123.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
LICI vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| SBILIFE SBI Life Insurance Company Limited | -30.7% | 38 | Above Fair Value | 14.2% | 64.3× |
| HDFCLIFE HDFC Life Insurance Company Limited | -5.0% | 33 | Near Fair Value | 10.8% | 66.6× |
| ICICIPRULI ICICI Prudential Life Insurance Company Limited | -75.6% | 28 | Data Limited | 11.8% | 45.9× |
| MFSL Max Financial Services Limited | -94.7% | 27 | Under Review | 5.1% | — |
| STARHEALTH Star Health and Allied Insurance Company Limited | +13.9% | 37 | Near Fair Value | 9.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
5 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹26.50/sh
Last payout
2025-07-25
₹12.00
Peak payout
₹12.00
Trailing yield
1.43%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Life Insurance Corporation Of India (LICI.NS) trades at 840.05 vs a model fair value of 1288.18, a gap of 53.3%. Piotroski F-score: 5/9. ...
Read full AI analysis →Reverse DCF
Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of LICI →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for LICI →
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Analyse LICINow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.