Life Insurance Corporation of India

BSE:543526 Stock Report

Market Cap: ₹5.7t

Life Insurance Corporation of India Valuation

Is 543526 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 543526 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 543526 (₹906.3) is trading below our estimate of fair value (₹1238.37)

Significantly Below Fair Value: 543526 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 543526?

Key metric: As 543526 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 543526. This is calculated by dividing 543526's market cap by their current earnings.
What is 543526's PE Ratio?
PE Ratio11.9x
Earnings₹480.73b
Market Cap₹5.73t

Price to Earnings Ratio vs Peers

How does 543526's PE Ratio compare to its peers?

The above table shows the PE ratio for 543526 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average91.7x
SBILIFE SBI Life Insurance
64.2x11.6%₹1.4t
HDFCLIFE HDFC Life Insurance
79.4x15.9%₹1.3t
ICICIPRULI ICICI Prudential Life Insurance
109.3x19.0%₹957.4b
MFSL Max Financial Services
114x23.4%₹392.6b
543526 Life Insurance Corporation of India
11.9x-0.5%₹5.7t

Price-To-Earnings vs Peers: 543526 is good value based on its Price-To-Earnings Ratio (11.9x) compared to the peer average (91.7x).

Price to Earnings Ratio vs Industry

How does 543526's PE Ratio compare vs other companies in the Asian Insurance Industry?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
543526 11.9xIndustry Avg. 11.1xNo. of Companies42PE0816243240+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 543526 is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the Asian Insurance industry average (11.1x).

Price to Earnings Ratio vs Fair Ratio

What is 543526's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

543526 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.9x
Fair PE Ratio23.2x

Price-To-Earnings vs Fair Ratio: 543526 is good value based on its Price-To-Earnings Ratio (11.9x) compared to the estimated Fair Price-To-Earnings Ratio (23.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 543526 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹906.30
₹1,161.83
+28.2%
12.6%₹1,385.00₹870.00n/a18
Dec ’25₹985.30
₹1,162.39
+18.0%
12.6%₹1,385.00₹870.00n/a18
Nov ’25₹930.45
₹1,151.83
+23.8%
15.1%₹1,330.00₹790.00n/a18
Oct ’25₹1,000.30
₹1,158.22
+15.8%
15.1%₹1,330.00₹790.00n/a18
Sep ’25₹1,064.65
₹1,159.78
+8.9%
15.2%₹1,350.00₹790.00n/a18
Aug ’25₹1,179.10
₹1,123.17
-4.7%
14.7%₹1,300.00₹790.00n/a18
Jul ’25₹996.55
₹1,098.61
+10.2%
16.6%₹1,300.00₹775.00n/a18
Jun ’25₹1,012.70
₹1,130.28
+11.6%
16.9%₹1,470.00₹790.00n/a18
May ’25₹978.05
₹1,088.83
+11.3%
18.3%₹1,340.00₹750.00n/a18
Apr ’25₹970.35
₹1,059.83
+9.2%
18.9%₹1,340.00₹680.00n/a18
Mar ’25₹1,029.55
₹1,059.83
+2.9%
18.9%₹1,340.00₹680.00n/a18
Feb ’25₹936.35
₹856.65
-8.5%
13.2%₹1,045.00₹620.00n/a17
Jan ’25₹858.35
₹827.06
-3.6%
14.2%₹1,045.00₹620.00n/a17
Dec ’24₹670.15
₹819.71
+22.3%
14.4%₹1,045.00₹620.00₹985.3017
Nov ’24₹600.10
₹795.00
+32.5%
15.6%₹1,045.00₹590.00₹930.4517
Oct ’24₹649.60
₹795.00
+22.4%
15.6%₹1,045.00₹590.00₹1,000.3017
Sep ’24₹645.75
₹795.00
+23.1%
15.6%₹1,045.00₹590.00₹1,064.6517
Aug ’24₹647.15
₹796.88
+23.1%
16.0%₹1,045.00₹590.00₹1,179.1016
Jul ’24₹632.30
₹795.69
+25.8%
16.1%₹1,045.00₹590.00₹996.5516
Jun ’24₹597.55
₹809.40
+35.5%
14.9%₹1,045.00₹660.00₹1,012.7015
May ’24₹549.95
₹798.13
+45.1%
15.5%₹1,005.00₹625.00₹978.0515
Apr ’24₹534.65
₹802.29
+50.1%
15.6%₹1,005.00₹625.00₹970.3514
Mar ’24₹601.25
₹825.92
+37.4%
12.8%₹1,005.00₹700.00₹1,029.5513
Feb ’24₹598.80
₹862.25
+44.0%
10.0%₹1,000.00₹730.00₹936.3512
Jan ’24₹684.60
₹847.91
+23.9%
9.5%₹1,000.00₹740.00₹858.3511
Dec ’23₹650.70
₹847.91
+30.3%
9.5%₹1,000.00₹740.00₹670.1511

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 05:50
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Life Insurance Corporation of India is covered by 27 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Supratim DattaAmbit Capital
null nullAntique Stockbroking Ltd.
Vijayaraghavan SwaminathanAvendus Spark