Life Insurance Corporation of India
Fundamental Score
Life Insurance Corporation of India Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of LICI across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (45.72%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (53.13%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance. This indicates quality business fundamentals.
Attractive Valuation (P/E: 10.92 vs Industry: 83.91)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Robust Profit Growth (30.66%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Profit Growth Track Record (77.68% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Cash Generation (₹152837.83 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
3 factors identified
Margin Pressure Concerns (3.13%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Limited Public Float (96.50% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity and institutional participation.
Limited Institutional Interest (FII+DII: 1.48%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
Financial Statements
Comprehensive financial data for Life Insurance Corporation of India
About LICI
Business Overview
Life Insurance Corporation of India provides life insurance products in India, Fiji, Mauritius, and the United Kingdom. It offers insurance plans, including endowment, whole life, term insurance plans, money back, and term assurance plans, as well as riders comprising accidental death and disability benefit, critical illness benefit, and premium waiver benefit riders. The company also provides pension, unit linked, micro insurance, withdrawal, and health plans, as well as various group schemes. Life Insurance Corporation of India was incorporated in 1956 and is based in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
LICI Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Life Insurance Corporation of India (LICI)?
As of 29 Jan 2026, 10:37 am IST, Life Insurance Corporation of India (LICI) is currently trading at ₹821.00. The stock has a market capitalization of ₹5.58L (Cr).
Is LICI share price Overvalued or Undervalued?
LICI is currently trading at a P/E ratio of 10.92x, compared to the industry average of 83.91x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Life Insurance Corporation of India share price?
Key factors influencing LICI's price include its quarterly earnings growth (Sales Growth: 4.50%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Life Insurance Corporation of India a good stock for long-term investment?
Life Insurance Corporation of India shows a 5-year Profit Growth of 77.68% and an ROE of 45.72%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing.
How does Life Insurance Corporation of India compare with its industry peers?
Life Insurance Corporation of India competes with major peers in the Life Insurance. Investors should compare LICI's P/E of 10.92x and ROE of 45.72% against the industry averages to determine its competitive standing.
What is the P/E ratio of LICI and what does it mean?
LICI has a P/E ratio of 10.92x compared to the industry average of 83.91x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹11 for every ₹1 of annual earnings.
How is LICI performing according to Bull Run's analysis?
LICI has a Bull Run fundamental score of 64.3/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does LICI belong to?
LICI operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting Life Insurance Corporation of India.
What is Return on Equity (ROE) and why is it important for LICI?
LICI has an ROE of 45.72%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Life Insurance Corporation of India generates profits from shareholders' equity.
How is LICI's debt-to-equity ratio and what does it indicate?
LICI has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is LICI's dividend yield and is it a good dividend stock?
LICI offers a dividend yield of 1.36%, which means you receive ₹1.36 annual dividend for every ₹100 invested.
How has LICI grown over the past 5 years?
LICI has achieved 5-year growth rates of: Sales Growth 7.22%, Profit Growth 77.68%, and EPS Growth N/A%.
What is the promoter holding in LICI and why does it matter?
Promoters hold 96.50% of LICI shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is LICI's market capitalization category?
LICI has a market capitalization of ₹558084 crores, placing it in the Large-cap category.
How volatile is LICI stock?
LICI has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for LICI?
LICI has a 52-week high of ₹N/A and low of ₹N/A.
What is LICI's operating profit margin trend?
LICI has a 5-year average Operating Profit Margin (OPM) of 3.13%, indicating the company's operational efficiency.
How is LICI's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 4.50% and YoY Profit Growth of 30.66%.
What is the institutional holding pattern in LICI?
LICI has FII holding of 0.13% and DII holding of 1.35%. Significant institutional holding often suggests professional confidence in the stock.