Sharescart Research Club logo
Products
Research
Tools
About
  • Home
  • /
  • Life Insurance Corp
Join Channel
Consolidated Standalone

Life Insurance Corp

₹924.2 28.7 | 3.2%

Market Cap ₹584525 Cr.

Stock P/E 12.1

P/B 4.1

Current Price ₹924.2

Book Value ₹ 224.4

Face Value 10

52W High ₹1007.7

Dividend Yield 1.3%

52W Low ₹ 715.4

Edit Ratio

Life Insurance Corp Research see more...

Stocx User

LICI: FY22 fair valuation around 520 but may scale 1075 by FY: 23-24

Stocx User

Equity Research Report - Life Insurance Corporation of India Limited

Overview Inc. Year: 1956Industry: Insurance

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 More..

Life Insurance Corp Share Price

New

₹ | |

Volume
Price

Quarterly Price

Quarterly Monthly
Show Value Show %

Peer Comparison

Life Insurance Corp Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Net Sales 98755 107877 117432 152767 114230 120326 107302 147917 119618 126930
Other Income 91525 95444 96828 100198 98723 111601 97267 96171 105833 115639
Total Income 190280 203321 214260 252965 212953 231926 204569 244088 225451 242569
Total Expenditure 180168 194563 204745 238410 202145 224532 192356 223043 214194 232027
Operating Profit 10113 8759 9515 14555 10808 7394 12213 21045 11257 10542
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 10113 8759 9515 14555 10808 7394 12213 21045 11257 10542
Provision for Tax 1461 1181 1424 2031 1629 1145 1743 3429 1645 1525
Profit After Tax 8651 7577 8092 12524 9179 6249 10470 17616 9612 9017
Adjustments 984 453 1377 1257 1365 1480 539 1422 1345 1082
Profit After Adjustments 9635 8030 9469 13782 10544 7729 11009 19039 10957 10098
Adjusted Earnings Per Share 15.2 12.7 15 21.8 16.7 12.2 17.4 30.1 17.3 16

Life Insurance Corp Profit & Loss

#(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 501767
Other Income 230838 263130 298281 294925 315157 380087 397492 414910
Total Income 570810 645605 703679 724425 791114 856919 887267 916677
Total Expenditure 567669 644929 689936 706540 744236 816003 831359 861620
Operating Profit 3141 677 13743 17885 46878 40916 55909 55057
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 55057
Provision for Tax 15 8 9 40 84 141 30 8342
Profit After Tax 2627 2710 2974 4125 35997 40916 48320 46715
Adjustments 0 0 0 0 0 0 0 4388
Profit After Adjustments 2627 2710 2974 4125 35997 40916 48320 51103
Adjusted Earnings Per Share 4.2 4.3 4.7 6.5 56.9 64.7 76.4 80.8

Growth Rates

# 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 -1% 13% NA% NA%
ROE Average 46% 78% 71% 126%
ROCE Average 46% 78% 56% 41%

Life Insurance Corp Balance Sheet

#(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

Life Insurance Corp Cash Flow

#(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

Life Insurance Corp Ratios

# 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

Life Insurance Corp Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 96.5 96.5 96.5 96.5 96.5 96.5 96.5 96.5 96.5 96.5
FII 0.08 0.1 0.06 0.15 0.19 0.15 0.07 0.1 0.11 0.12
DII 0.83 0.84 1 0.86 0.94 1.16 1.26 1.28 1.37 1.35
Public 2.59 2.56 2.44 2.49 2.37 2.18 2.16 2.12 2.02 2.02
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 77% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 78%
  • Company is almost debt free.

Cons

  • Stock is trading at 4.1 times its book value.
  • Earnings include an other income of Rs. 397492 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Life Insurance Corp News

Top Unlisted Companies & InstaBuy Companies

Sell or Purchase Share (Tentative Price)

IPO

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

You May Also Know About

Unlisted Shares Pre-IPO Shares ESOP Shares Delisted Shares

Please Login!

Click to Login
OR
Get free Account

Error!