LICI Stock Overview
Life Insurance Corporation of India provides life insurance products in India, Fiji, Mauritius, and the United Kingdom.
No risks detected for LICI from our risk checks.
Life Insurance Corporation of India Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹676.65|
|52 Week High||₹918.95|
|52 Week Low||₹650.00|
|1 Month Change||-15.45%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-22.69%|
Recent News & Updates
|LICI||IN Insurance||IN Market|
Return vs Industry: Insufficient data to determine how LICI performed against the Indian Insurance industry.
Return vs Market: Insufficient data to determine how LICI performed against the Indian Market.
|LICI Average Weekly Movement||4.2%|
|Insurance Industry Average Movement||4.3%|
|Market Average Movement||6.8%|
|10% most volatile stocks in IN Market||9.8%|
|10% least volatile stocks in IN Market||4.4%|
Stable Share Price: LICI is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: Insufficient data to determine LICI's volatility change over the past year.
About the Company
Life Insurance Corporation of India provides life insurance products in India, Fiji, Mauritius, and the United Kingdom. It provides individual products, including participating insurance products; and non-participating products comprising savings insurance, term insurance, health insurance, annuity and pension, and unit-linked insurance products; special products for women and children, micro insurance products; and riders, an add-on covers to the base policy to facilitate additional benefits linked to the accident, critical illness, and death and premium waiver benefit. The company also offers group products, such as group term insurance, group savings insurance, group savings pension, and group annuity products.
Life Insurance Corporation of India Fundamentals Summary
|LICI fundamental statistics|
Is LICI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|LICI income statement (TTM)|
|Cost of Revenue||₹6.81t|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||16.06|
|Net Profit Margin||1.39%|
How did LICI perform over the long term?See historical performance and comparison
0.2%Current Dividend Yield
Is LICI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for LICI?
Other financial metrics that can be useful for relative valuation.
|What is LICI's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does LICI's PE Ratio compare to its peers?
|LICI PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
540777 HDFC Life Insurance
540719 SBI Life Insurance
540133 ICICI Prudential Life Insurance
MFSL Max Financial Services
LICI Life Insurance Corporation of India
Price-To-Earnings vs Peers: LICI is good value based on its Price-To-Earnings Ratio (42.1x) compared to the peer average (91.8x).
Price to Earnings Ratio vs Industry
How does LICI's PE Ratio compare vs other companies in the Asian Insurance Industry?
Price-To-Earnings vs Industry: LICI is good value based on its Price-To-Earnings Ratio (42.1x) compared to the Indian Insurance industry average (69.9x)
Price to Earnings Ratio vs Fair Ratio
What is LICI'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.
|Current PE Ratio||42.1x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate LICI's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of LICI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: LICI (₹676.65) is trading above our estimate of fair value (₹232.97)
Significantly Below Fair Value: LICI is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: LICI is poor value based on its PEG Ratio (1.5x)
Discover undervalued companies
How is Life Insurance Corporation of India forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LICI's forecast earnings growth (27.6% per year) is above the savings rate (6.8%).
Earnings vs Market: LICI's earnings (27.6% per year) are forecast to grow faster than the Indian market (17.3% per year).
High Growth Earnings: LICI's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: LICI's revenue (5.4% per year) is forecast to grow slower than the Indian market (11.5% per year).
High Growth Revenue: LICI's revenue (5.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LICI's Return on Equity is forecast to be very high in 3 years time (56%).
Discover growth companies
How has Life Insurance Corporation of India performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: LICI has high quality earnings.
Growing Profit Margin: LICI's current net profit margins (1.4%) are higher than last year (0.7%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if LICI's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare LICI's past year earnings growth to its 5-year average.
Earnings vs Industry: LICI earnings growth over the past year (121.3%) exceeded the Insurance industry -8.1%.
Return on Equity
High ROE: LICI's Return on Equity (88.7%) is considered outstanding.
Discover strong past performing companies
How is Life Insurance Corporation of India's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: LICI's short term assets (₹1,988.4B) exceed its short term liabilities (₹715.2B).
Long Term Liabilities: LICI's short term assets (₹1,988.4B) do not cover its long term liabilities (₹41,710.8B).
Debt to Equity History and Analysis
Debt Level: LICI has more cash than its total debt.
Reducing Debt: Insufficient data to determine if LICI's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: LICI's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: LICI's interest payments on its debt are not well covered by EBIT (1.6x coverage).
Discover healthy companies
What is Life Insurance Corporation of India current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LICI's dividend (0.22%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.42%).
High Dividend: LICI's dividend (0.22%) is low compared to the top 25% of dividend payers in the Indian market (1.86%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether LICI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if LICI's dividend payments are increasing as they only just started paying a dividend.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (9.3%), LICI's dividend payments are thoroughly covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: LICI is paying a dividend but the company has no free cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Raj Kumar (60 yo)
Mr. Raj Kumar is Nominee Director of IDBI Bank Limited from May 19, 2022. He serves as Non-Executive Director of Grasim Industries Limited since February 2022 and served as its Additional Non-Executive Dir...
Experienced Management: LICI's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Experienced Board: LICI's board of directors are not considered experienced ( 0.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: LICI only recently listed within the past 12 months.
Life Insurance Corporation of India's employee growth, exchange listings and data sources
- Name: Life Insurance Corporation of India
- Ticker: LICI
- Exchange: NSEI
- Founded: 1956
- Industry: Life and Health Insurance
- Sector: Insurance
- Implied Market Cap: ₹4.280t
- Shares outstanding: 6.32b
- Website: https://www.licindia.in
Number of Employees
- Life Insurance Corporation of India
- Yogakshema Building
- Jeevan Bima Marg
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/07/01 00:00|
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.