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Life Insurance Corporation of India (LICI.NS)

INR435.40 -5.90 (-1.34%)
IN NSE Financial Services Insurance - Life
Address Yogakshema Building 400021
Mumbai, IN
CEO Doraiswamy Ramchandran
Website licindia.in
IPO 2022-05-17
ISIN INE0J1Y01017

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Also trades on Bombay Stock Exchange · LICI.BO (INR) National Stock Exchange of India · LICI.NS (INR)
Description

Life Insurance Corporation of India (LIC) is a leading provider of life insurance solutions, operating across India, Fiji, Mauritius, and the United Kingdom. Its comprehensive individual offerings feature both participating policies and a variety of non-participating plans, including savings, term, health, annuity, pension, and unit-linked insurance products. LIC also offers specialized coverage tailored for women and children, along with micro-insurance options. To augment base policies, the company provides riders that deliver supplementary benefits for events such as accidents, critical illnesses, death, and premium waivers. Furthermore, LIC extends its services to groups with products like group term insurance, group savings insurance, group savings pension plans, and group annuity schemes. The company was founded in 1956 and maintains its principal executive offices in Mumbai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR435.40 -5.90 (-1.34%)
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Volume Profile
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Liquidity & share structure
Average Volume
5M
Beta
0.56
Float Shares
221.37M
Free Float %
3.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.10% +5.80% +5.41% -1.83% -4.46% +0.00% -1.74% +41.47% -2.33% -2.33% -2.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
435.40
DCF (Levered) 370.44 -14.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.27
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
6 / 10
Developing
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Life: +10.6%
    +9.7% Q1'26: +14.1% (vs Q1'25)
  • ✓
    EPS growth Insurance - Life: +13.4%
    +18.9% ★ Q1'26: +32.5% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Life: +31.7%
    +5.9% Q1'26: +0.0% (vs Q1'25)
  • ✗
    EBIT margin Insurance - Life: +12.4%
    +5.9% Q1'26: +8.4% (vs Q1'25)
  • ✓
    ROIC Insurance - Life: +1.0%
    +54.6% ★ Q1'26: +89.2% (vs Q1'25)
  • ✓
    Share dilution Insurance - Life: +0.4%
    -13.1% ★ Q1'26: -7.0% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    0.00× ★ Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.28) × ERP
WACC = 100% × Ke + 0% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 801.22 Current price: 435.40
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
8 Rev. Ana.
8 EPS Ana. 		Mar 2027
8 Rev. Ana.
6 EPS Ana. 		Mar 2028
9 Rev. Ana.
8 EPS Ana. 		Mar 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
7.85T
est: 8.03T (-2.2%)
8.49T
est: 8.68T (-2.1%)
8.91T
est: 9.43T (-5.5%)
9.76T
9.56T – 12.12T
+3.5% YoY
10.21T
9.86T – 12.15T
+4.6% YoY
11.28T
10.39T – 13.80T
+10.5% YoY
12.44T
12.26T – 12.62T
+10.3% YoY
EBITDA
366.25B
est: 260.55B (+40.6%)
416.50B
est: 374.66B (+11.2%)
490.00B
est: 407.40B (+20.3%)
421.57B
412.97B – 523.61B
+3.5% YoY
441.06B
425.76B – 524.85B
+4.6% YoY
487.16B
448.63B – 596.12B
+10.5% YoY
537.27B
529.66B – 544.89B
+10.3% YoY
EBIT
361.58B
est: 255.86B (+41.3%)
411.84B
est: 370.65B (+11.1%)
484.93B
est: 403.04B (+20.3%)
417.05B
408.55B – 518.00B
+3.5% YoY
436.33B
421.20B – 519.23B
+4.6% YoY
481.94B
443.83B – 589.74B
+10.5% YoY
531.52B
523.99B – 539.06B
+10.3% YoY
Net Income
359.97B
est: 469.39B (-23.3%)
409.16B
est: 471.21B (-13.2%)
483.20B
est: 515.50B (-6.3%)
513.60B
505.78B – 521.42B
-0.4% YoY
613.86B
574.71B – 653.00B
+19.5% YoY
620.78B
604.79B – 732.96B
+1.1% YoY
902.99B
761.39B – 1.04T
+45.5% YoY
SGA
437.60B
est: 6.94B (+6,203.7%)
449.65B
est: 333.07B (+35.0%)
322.42B
est: 362.18B (-11.0%)
374.77B
367.13B – 465.48B
+3.5% YoY
392.10B
378.50B – 466.59B
+4.6% YoY
433.08B
398.83B – 529.95B
+10.5% YoY
477.63B
470.86B – 484.40B
+10.3% YoY
EPS
56.91
est: 51.31 (+10.9%)
64.69
est: 68.12 (-5.0%)
76.40
est: 66.60 (+14.7%)
81.38
79.97 – 82.44
+22.2% YoY
96.98
90.87 – 103.25
+19.2% YoY
107.30
95.62 – 115.89
+10.6% YoY
130.10
120.38 – 165.16
+21.3% YoY

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.73B
OE per share TTM
0.86
Owner's Yield
0.11%
Maintenance CapEx ratio
0.76%
Maint CapEx / Avg PPE
0.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
5.83M
Shares Outstanding
6.32B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ratnakar Patnaik MD & Director 3M male
Dinesh Pant MD & Director 3M male
Doraiswamy Ramchandran MD, Chief Executive Officer & Director 3M male
Krishna Kumar S. Executive Director of Corp.Gov/ GJF/ Reg.Comp & Chief Compliance Officer — male
Pradeep Shenoy Executive Director of Corporate Communication — male
Salil Vishwanath Executive Director of Human Resources Development/OD — male
Arindam Das Gupta Chief Investment Officer & Executive Director of Investment – Front Office — male
Sunil Agrawal Chief Financial Officer — male
Govind Prasad Agarwal Additional Executive Director & Director of Marketing/Product Development — male
K. R. Ashok Executive Director of Acturial/Administration/IT Implementation — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits

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