Life Insurance Corporation of India
Life Insurance Corporation of India valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Life Insurance Corporation of India, framed against the sector median so the premium or discount is obvious at a glance.
Life Insurance Corporation of India trades at a P/E of 8.78× and P/B of 2.07×, against the Financial Services sector median P/E of 18.17×.
Valuation
Profitability
Growth
Financial Health
Life Insurance Corporation of India financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Life Insurance Corporation of India, switchable between annual and quarterly views, consolidated or standalone.
Life Insurance Corporation of India reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹5,19,661.8 Cr and reported EPS of ₹45.41.
| Period | 2023 | 2025 | 2026 |
|---|---|---|---|
| Total Income | 7,95,418 | 8,92,146 | 9,81,779 |
| Profit Before Tax (PBT) | 36,081 | 48,351 | 57,524 |
| +Tax Expense | 5,382 | 7,916 | -4,048 |
| Earnings Per Share (EPS) | 56.91 | 76.40 | 90.84 |
| Diluted Shares Outstanding (Nos.) | 632 | 632 | 632 |
| +Additional Disclosures | 7,53,802 | 8,39,275 | 9,20,740 |
Life Insurance Corporation of India segment analysis: revenue and profit mix.
Disclosed business segments at Life Insurance Corporation of India with their share of revenue and profit, switchable between consolidated and standalone reporting.
Life Insurance Corporation of India discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Life Insurance Corporation of India investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Life Insurance Corporation of India, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Life Insurance Corporation of India's investment case rests on 9 positive markers and 8 flagged concerns drawn from the latest reported filings.
What you're getting.
LICI boasts a remarkably high Return on Equity (ROE) of 45.70% and Return on Capital Employed (ROCE) of 53.10%, significantly exceeding industry averages. This indicates efficient capital utilization and strong profitability.
The company's low Price-to-Earnings (PE) ratio of 11.80, compared to peers often above 60, suggests the stock might be undervalued relative to its strong earnings and robust financial performance.
A substantial promoter holding of 96.5% signifies high confidence from the promoters, potentially reducing risks associated with management changes or hostile takeovers, ensuring stable governance.
Despite recent stock price volatility, LICI's high dividend yield of 1.32% offers a compelling income stream for investors, demonstrating the company's financial strength and commitment to shareholder returns.
LICI maintains a debt-to-equity ratio of 0.00, indicating a completely debt-free balance sheet. This provides significant financial stability and flexibility for future growth initiatives without interest burden.
What can break it.
While LICI's quarterly profit shows a positive year-on-year growth of 3.91%, the absolute numbers remain relatively modest compared to its vast market capitalization, requiring sustained substantial growth.
LICI's stock price has experienced considerable volatility, fluctuating between a 52-week high of ₹1008 and a low of ₹715. This instability presents significant risk for short-term capital appreciation.
The high promoter stake of 96.5% implies a relatively small free float, which could lead to increased price volatility and potentially limit liquidity, making it challenging for investors to trade shares quickly.
A Return on Assets (ROA) of 0.87% is relatively low, suggesting that the company might not be generating optimal profits from its total assets, which could impact overall efficiency and long-term growth.
The life insurance market is highly competitive with numerous private players offering innovative products and aggressive marketing. This intense competition could pressure LICI's market share and profitability margins.
What would change my mind.
Trim if P/E re-rates above 11 (~0.6× the sector multiple of 18.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 37%. The operating engine is no longer compounding capital efficiently.
Life Insurance Corporation of India peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Life Insurance Corporation of India is highlighted for quick read-across.
Quick Compare
Life Insurance Corporation of India technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Life Insurance Corporation of India — derived from the live tape, not yesterday's close.
Life Insurance Corporation of India last traded at ₹411 with an intraday range of ₹406.7–₹413.2 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹411.00| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 426.90 | +15.90 | +3.87% |
| R3 | 420.40 | +9.40 | +2.29% |
| R2 | 416.80 | +5.80 | +1.41% |
| R1 | 413.90 | +2.90 | +0.71% |
| PIVOT | 410.30 | -0.70 | -0.17% |
| CURRENT | 411.00 | — | — |
| S1 | 394.40 | -16.60 | -4.04% |
| S2 | 400.90 | -10.10 | -2.46% |
| S3 | 403.80 | -7.20 | -1.75% |
| S4 | 407.40 | -3.60 | -0.88% |
LICI is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: 408.4 ~ 412.8
Trading Above opening range, showing Bullishness
Life Insurance Corporation of India chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Life Insurance Corporation of India — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Life Insurance Corporation of India delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Life Insurance Corporation of India over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Life Insurance Corporation of India stood at 41.3% of traded volume, against a 20-day average of 45.6%.
Life Insurance Corporation of India announcements: results, concalls, ratings, M&A.
Filings Life Insurance Corporation of India sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Life Insurance Corporation of India files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 224 documents below.
General Updates
Life Insurance Corporation Of India has informed the Exchange about investor meet held on June 05, 2026.
General Updates
Life Insurance Corporation Of India has informed the Exchange about the allotment of Bonus Equity Shares.
General Updates
Life Insurance Corporation Of India has informed the Exchange about the update on Investor Meet.
Change in Management
Life Insurance Corporation Of India has informed the Exchange about the cessation of Key Managerial Personnel.
Change in Management
Life Insurance Corporation Of India has informed the Exchange about cessation of Senior Management Personnel.
Investor decks & rating reports.
Life Insurance Corporation of India dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Life Insurance Corporation of India has declared, sequenced by announce and record date.
Life Insurance Corporation of India corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Life Insurance Corporation of India: business, sector, key facts.
What Life Insurance Corporation of India does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Life Insurance Corporation of India operates in the Financial Services, listed as NSE: LICI, BSE: 543526.
Life Insurance Corporation of India (LIC) is a state-owned insurance company with a significant presence in India and a smaller footprint in Fiji, Mauritius, and the United Kingdom. Its core business is providing a wide range of life insurance products to individuals and groups. The company's long history, dating back to its incorporation in 1956, has established it as a dominant player in the Indian insurance market.
LIC's product portfolio is extensive and caters to diverse customer needs. It offers traditional life insurance plans like endowment plans (which provide a lump sum payment upon maturity or death), whole life plans (offering lifelong coverage), and term insurance plans (providing coverage for a specified period). Money-back plans, which offer periodic payouts during the policy term in addition to a final payout, are also available. In addition to these core products, LIC provides a range of riders that can be added to base policies to enhance coverage. These riders often cover additional risks such as accidental death and disability, critical illnesses, and premium waiver in case of disability.
Beyond traditional life insurance, LIC also offers a variety of other financial products. These include pension plans, designed to provide a regular income stream during retirement; unit-linked insurance plans (ULIPs), which combine insurance coverage with investment options; micro-insurance plans, targeted at low-income individuals; and withdrawal plans that allow policyholders to access funds during the policy term. The company also provides health insurance plans and various group insurance schemes catering to the needs of employers and employees.
LIC's geographical reach, while primarily focused on India, extends to several other countries, demonstrating a commitment to international expansion. However, its core market and the majority of its business remain firmly rooted in India, where it continues to play a significant role in the country's financial landscape and provides essential life insurance coverage to a vast population.
Questions investors ask about Life Insurance Corporation of India (LICI).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Life Insurance Corporation of India (LICI)?
The current share price of Life Insurance Corporation of India (LICI) is ₹411. Today, the stock has gained by ₹5.30 (1.31%), trading in a range of ₹406.7 to ₹413.2. The stock opened at ₹408.4 with a trading volume of 36,30,392 shares.
02Is Life Insurance Corporation of India stock a good investment for long-term?
Life Insurance Corporation of India can be considered for long-term investment based on several factors. The company has a market capitalization of ₹5,19,661.8 crores, P/E ratio of 8.78, ROE of 42.36%, and ROCE of 53.10%. The dividend yield stands at 2.50%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Life Insurance Corporation of India stock?
The 52-week high price of Life Insurance Corporation of India (LICI) is ₹980, while the 52-week low is ₹391.55. Currently trading at ₹411, the stock is 3.3% away from its 52-week low and 58.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Life Insurance Corporation of India stock at the current price?
Whether to buy Life Insurance Corporation of India stock at ₹411 depends on multiple factors. The stock is currently trading with a P/E ratio of 8.78 and P/B ratio of 2.07. Today's performance shows a gain of 1.31%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Life Insurance Corporation of India and when is the next dividend?
Life Insurance Corporation of India offers a dividend yield of 2.50%, which means for every ₹100 invested at the current price of ₹411, you can expect to receive approximately ₹2.50 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Life Insurance Corporation of India?
Life Insurance Corporation of India's key financial metrics include: P/E Ratio: 8.78, P/B Ratio: 2.07, ROE: 42.36%, ROCE: 53.10%, Dividend Yield: 2.50%, EPS: ₹45.41, Book Value: ₹192.55, and Debt-to-Equity: 0.00. The company's market cap stands at ₹5,19,661.8 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Life Insurance Corporation of India stock performing today in the market?
Life Insurance Corporation of India stock opened at ₹408.4 and is currently trading at ₹411, showing a gain of ₹5.30 (1.31%). The intraday high is ₹413.2 and low is ₹406.7. The trading volume stands at 36,30,392 shares, indicating strong market participation today.
08What is the P/E ratio of Life Insurance Corporation of India and what does it indicate?
Life Insurance Corporation of India has a Price-to-Earnings (P/E) ratio of 8.78, which means investors are willing to pay ₹8.78 for every ₹1 of earnings. With an EPS of ₹45.41, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Life Insurance Corporation of India (LICI) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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