WEBSITE BSE:543526 NSE: LICI Inc. Year: 1956 Industry: Insurance
Last updated: 15:59
Life Insurance Corporation of India offers life insurance products in India, Fiji, Mauritius, and the UK. It provides individual projects, which includes collaborating coverage products; and non-participating products comprising savings coverage, term coverage, health insurance, annuity and pension, and unit-linked insurance merchandise; special merchandise for women and children, micro coverage merchandise; and riders, an add-on covers to the base policy to facilitate additional advantages linked to the accident, vital infection, and demise an...Read More
Life Insurance Corporation of India offers life insurance products in India, Fiji, Mauritius, and the UK. It provides individual projects, which includes collaborating coverage products; and non-participating products comprising savings coverage, term coverage, health insurance, annuity and pension, and unit-linked insurance merchandise; special merchandise for women and children, micro coverage merchandise; and riders, an add-on covers to the base policy to facilitate additional advantages linked to the accident, vital infection, and demise and premium waiver advantage. The organization additionally provides group products, including group term coverage, group savings coverage, group savings pension, and group annuity products. Life Insurance Corporation of India was established in 1956 and is primarily based in Mumbai, India. ...Read Less
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Market Cap ₹564000 Cr.
Stock P/E 11.7
P/B 3.7
Current Price ₹891.7
Book Value ₹ 242.3
Face Value 10
52W High ₹980.1
Dividend Yield 1.35%
52W Low ₹ 715.4
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 107877 | 117432 | 152767 | 114230 | 120326 | 107302 | 147917 | 119618 | 126930 | 125988 |
| Other Income | 95444 | 96828 | 100198 | 98723 | 111601 | 97267 | 96171 | 105833 | 115639 | 110788 |
| Total Income | 203321 | 214260 | 252965 | 212953 | 231926 | 204569 | 244088 | 225451 | 242569 | 236776 |
| Total Expenditure | 194563 | 204745 | 238410 | 202145 | 224532 | 192356 | 223043 | 214194 | 232027 | 223543 |
| Operating Profit | 8759 | 9515 | 14555 | 10808 | 7394 | 12213 | 21045 | 11257 | 10542 | 13233 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 8759 | 9515 | 14555 | 10808 | 7394 | 12213 | 21045 | 11257 | 10542 | 13233 |
| Provision for Tax | 1181 | 1424 | 2031 | 1629 | 1145 | 1743 | 3429 | 1645 | 1525 | 1931 |
| Profit After Tax | 7577 | 8092 | 12524 | 9179 | 6249 | 10470 | 17616 | 9612 | 9017 | 11302 |
| Adjustments | 453 | 1377 | 1257 | 1365 | 1480 | 539 | 1422 | 1345 | 1082 | 1629 |
| Profit After Adjustments | 8030 | 9469 | 13782 | 10544 | 7729 | 11009 | 19039 | 10957 | 10098 | 12930 |
| Adjusted Earnings Per Share | 12.7 | 15 | 21.8 | 16.7 | 12.2 | 17.4 | 30.1 | 17.3 | 16 | 20.4 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Sales | 339972 | 382476 | 405398 | 429501 | 475957 | 476831 | 489775 | 520453 |
| Other Income | 230838 | 263130 | 298281 | 294925 | 315157 | 380087 | 397492 | 428431 |
| Total Income | 570810 | 645605 | 703679 | 724425 | 791114 | 856919 | 887267 | 948884 |
| Total Expenditure | 567669 | 644929 | 689936 | 706540 | 744236 | 816003 | 831359 | 892807 |
| Operating Profit | 3141 | 677 | 13743 | 17885 | 46878 | 40916 | 55909 | 56077 |
| Interest | 41 | 58 | 114 | 87 | 77 | 128 | 143 | 0 |
| Depreciation | 429 | 779 | 417 | 436 | 466 | 466 | 506 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 2642 | 2719 | 2983 | 4165 | 36081 | 41057 | 48351 | 56077 |
| Provision for Tax | 15 | 8 | 9 | 40 | 84 | 141 | 30 | 8530 |
| Profit After Tax | 2627 | 2710 | 2974 | 4125 | 35997 | 40916 | 48320 | 47547 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5478 |
| Profit After Adjustments | 2627 | 2710 | 2974 | 4125 | 35997 | 40916 | 48320 | 53024 |
| Adjusted Earnings Per Share | 4.2 | 4.3 | 4.7 | 6.5 | 56.9 | 64.7 | 76.4 | 83.8 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 3% | 4% | 5% | 0% |
| Operating Profit CAGR | 37% | 46% | 142% | 0% |
| PAT CAGR | 18% | 127% | 78% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 10% | 13% | NA% | NA% |
| ROE Average | 46% | 78% | 71% | 126% |
| ROCE Average | 46% | 78% | 56% | 41% |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 986 | 1088 | 6905 | 11365 | 46545 | 83092 | 127809 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 269401 | 253414 | 4 | 1 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 3116583 | 3180303 | 3754444 | 4186117 | 4487268 | 5184107 | 5498727 |
| Total Current Liabilities | 40282 | 65032 | 68171 | 56574 | 44678 | 48849 | 34033 |
| Total Liabilities | 3427252 | 3499837 | 3829524 | 4254058 | 4578491 | 5316047 | 5660568 |
| Fixed Assets | 13857 | 13838 | 3326 | 3372 | 3505 | 3672 | 4157 |
| Other Non-Current Assets | 3162214 | 3228647 | 3640754 | 4051842 | 4377313 | 5115276 | 5444890 |
| Total Current Assets | 251181 | 257352 | 185444 | 198844 | 197673 | 197099 | 211521 |
| Total Assets | 3427252 | 3499837 | 3829524 | 4254058 | 4578491 | 5316047 | 5660568 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 58695 | 67906 | 63194 | 36118 | 44866 | 45588 | 42014 |
| Cash Flow from Operating Activities | 13274 | 54367 | 80602 | -3783 | 54519 | 26548 | -9145 |
| Cash Flow from Investing Activities | 8765 | -41809 | 148792 | 12099 | -54472 | -25826 | 40423 |
| Cash Flow from Financing Activities | -13700 | -18664 | -256125 | 0 | -949 | -4427 | -3794 |
| Net Cash Inflow / Outflow | 8339 | -6106 | -26731 | 8316 | -902 | -3706 | 27484 |
| Closing Cash & Cash Equivalent | 67906 | 63194 | 36118 | 44866 | 45588 | 42014 | 69906 |
| # | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.15 | 4.29 | 4.7 | 6.52 | 56.91 | 64.69 | 76.4 |
| CEPS(Rs) | 4.15 | 4.29 | 4.7 | 6.52 | 56.91 | 64.69 | 76.4 |
| DPS(Rs) | 4.2 | 4.3 | 0 | 1.5 | 3 | 10 | 12 |
| Book NAV/Share(Rs) | 1.56 | 1.72 | 10.91 | 17.96 | 73.59 | 131.37 | 202.07 |
| Core EBITDA Margin(%) | -66.98 | -68.62 | -70.19 | -64.5 | -56.37 | -71.13 | -69.74 |
| EBIT Margin(%) | 0.78 | 0.71 | 0.74 | 0.97 | 7.58 | 8.61 | 9.87 |
| Pre Tax Margin(%) | 0.78 | 0.71 | 0.74 | 0.97 | 7.58 | 8.61 | 9.87 |
| PAT Margin (%) | 0.77 | 0.71 | 0.73 | 0.96 | 7.56 | 8.58 | 9.87 |
| Cash Profit Margin (%) | 0.77 | 0.71 | 0.73 | 0.96 | 7.56 | 8.58 | 9.87 |
| ROA(%) | 0.08 | 0.08 | 0.08 | 0.1 | 0.83 | 0.84 | 0.89 |
| ROE(%) | 266.49 | 261.64 | 74.46 | 45.16 | 124.33 | 63.13 | 45.82 |
| ROCE(%) | 0.98 | 1.04 | 2.28 | 45.59 | 124.62 | 63.34 | 45.85 |
| Receivable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 9.39 | 14.14 | 10.47 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 7.27 | 6.96 | 3.96 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0.56 | 1.09 | 1.5 |
| EV/Net Sales(x) | -0.2 | -0.16 | -0.09 | -0.09 | 0.61 | 1.13 | 0.89 |
| EV/Core EBITDA(x) | -21.59 | -93.19 | -2.62 | -2.15 | 6.24 | 13.12 | 7.8 |
| Net Sales Growth(%) | 0 | 12.5 | 5.99 | 5.95 | 10.82 | 0.18 | 2.71 |
| EBIT Growth(%) | 0 | 2.88 | 9.72 | 39.62 | 766.38 | 13.79 | 17.77 |
| PAT Growth(%) | 0 | 3.16 | 9.73 | 38.69 | 772.71 | 13.67 | 18.1 |
| EPS Growth(%) | 0 | 3.16 | 9.73 | 38.69 | 772.71 | 13.67 | 18.1 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio(x) | 4.12 | 3 | 2.23 | 2.78 | 3.32 | 3.09 | 4.32 |
| Quick Ratio(x) | 4.12 | 3 | 2.23 | 2.78 | 3.32 | 3.09 | 4.32 |
| Interest Cover(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 96.5 | 96.5 | 96.5 | 96.5 | 96.5 | 96.5 | 96.5 | 96.5 | 96.5 | 96.5 |
| FII | 0.1 | 0.06 | 0.15 | 0.19 | 0.15 | 0.07 | 0.1 | 0.11 | 0.12 | 0.2 |
| DII | 0.84 | 1 | 0.86 | 0.94 | 1.16 | 1.26 | 1.28 | 1.37 | 1.35 | 1.34 |
| Public | 2.56 | 2.44 | 2.49 | 2.37 | 2.18 | 2.16 | 2.12 | 2.02 | 2.02 | 1.96 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 610.36 | 610.36 | 610.36 | 610.36 | 610.36 | 610.36 | 610.36 | 610.36 | 610.36 | 610.36 |
| FII | 0.62 | 0.4 | 0.92 | 1.21 | 0.96 | 0.47 | 0.62 | 0.7 | 0.77 | 1.26 |
| DII | 5.34 | 6.31 | 5.46 | 5.95 | 7.36 | 8 | 8.08 | 8.68 | 8.56 | 8.49 |
| Public | 16.19 | 15.42 | 15.76 | 14.98 | 13.81 | 13.67 | 13.44 | 12.76 | 12.8 | 12.39 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 632.5 | 632.5 | 632.5 | 632.5 | 632.5 | 632.5 | 632.5 | 632.5 | 632.5 | 632.5 |
* The pros and cons are machine generated.
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