Life Insurance Corporation Of India
LICI · Insurance · NSE
₹830
Current Market Price
Fair Value (DCF)
₹820
Discount to FV
-1.2%
Updated just now
YieldIQ Score
56/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
null%
ROE
32.5%
Debt/Equity
0.00
WACC
10.1%
Market Cap
₹10.50 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
80.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.09×
Revenue per ₹ of assets
Revenue CAGR (3Y)
7.6%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹830.2
Bear case
Margin of Safety -36.1%
Implied upside -26.5%
Base case
Margin of Safety -1.2%
Implied upside -1.2%
Bull case
Margin of Safety +13.5%
Implied upside +15.6%
Ratio Trends
LICI · last 5 annual periods
ROE
32.5%
ROCE
38.1%
Operating Margin
—
Debt / Equity
0.00×
PE
9.4×
EV / EBITDA
—
Historical Financials
LICI · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹726.8K Cr | ₹785.2K Cr | ₹849.0K Cr | ₹890.6K Cr | ₹978.6K Cr | +7.7% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹4251 Cr | ₹36.2K Cr | ₹41.2K Cr | ₹48.5K Cr | — | +83.8% |
| PAT | ₹4125 Cr | ₹36.0K Cr | ₹40.9K Cr | ₹48.3K Cr | ₹57.5K Cr | +93.2% |
| EPS (diluted) | ₹3.26 | ₹28.45 | ₹32.34 | ₹38.20 | — | +85.0% |
| CFO | — | — | — | — | — | — |
| CapEx | ₹-717 Cr | ₹-886 Cr | ₹-768 Cr | ₹-777 Cr | ₹-1116 Cr | — |
| FCF | — | — | — | — | — | — |
| Total Assets | ₹4254.1K Cr | ₹4578.5K Cr | ₹5316.0K Cr | ₹5660.6K Cr | ₹5948.6K Cr | +8.7% |
| Total Debt | ₹1.3 Cr | — | — | — | — | +0.0% |
| Shareholders' Equity | ₹11.3K Cr | ₹46.2K Cr | ₹82.7K Cr | ₹127.2K Cr | ₹176.6K Cr | +98.7% |
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 SBILIFE | — | — | Pending | 14.2% | 64.3× |
 HDFCLIFE HDFCLIFE | — | — | Pending | 10.8% | 66.6× |
 ICICIPRULI ICICIPRULI | — | — | Pending | 11.8% | 45.9× |
 MFSL MFSL | — | — | Pending | 1.6% | — |
 STARHEALTH STARHEALTH | — | — | Pending | 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
1.45%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Life Insurance Corporation Of India (LICI.NS) trades at 830.20 vs a model fair value of 820.16, a gap of -1.2%. Piotroski F-score: 7/9. M...
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Risk profile of LICI →
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Why ROE is what it is →
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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.