Life Insurance Corporation of India

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Life Insurance Corporation of India

₹ 415 -1.47%
31 Aug 11:54 a.m.
licindia.in BSE: 543526 NSE: LICI F&O
About

Life Insurance Corporation (LIC) is the largest insurance provider company in India. It has a market share of above 66.2% in new business premium. The company offers participating insurance products and non-participating products like unit-linked insurance products, saving insurance products, term insurance products, health insurance, and annuity & pension products.[1]

Key Points

Largest Insurance Company
The company is India’s largest life insurer and world’s 3rd strongest Insurance brand as per Brand Finance Global 500 2025 report.[1]

Website BSE NSE F&O
  • Market Cap ₹ 5,24,975 Cr.
  • Current Price ₹ 415
  • High / Low ₹ 468 / 361
  • Stock P/E 8.77
  • Book Value ₹ 0.00
  • Dividend Yield 2.44 %
  • ROCE 35.1 %
  • ROE 37.8 %
  • Face Value ₹ 10.0
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Pros

  • Company has a good return on equity (ROE) track record: 3 Years ROE 45.6%

Cons

  • The company has delivered a poor sales growth of 7.19% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Insurance Life Insurance

Part of BSE Enhanced Value Index BSE 100 LargeCap TMC Index Nifty LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
190,163 203,033 214,054 238,717 211,952 231,132 203,751 243,134 224,671 241,524 235,954 276,744 239,866
180,169 194,558 204,815 237,152 202,180 224,544 191,818 221,621 214,198 232,032 223,588 265,521 225,854
Operating Profit 9,994 8,475 9,239 1,564 9,773 6,588 11,934 21,514 10,474 9,492 12,366 11,222 14,012
OPM % 5% 4.2% 4.3% 0.7% 4.6% 2.9% 6% 9% 4.7% 3.9% 5% 4.1% 6%
117 288 206 14,249 1,001 794 818 954 780 1,044 822 3,166 1,301
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 10,111 8,763 9,445 15,813 10,774 7,382 12,752 22,468 11,253 10,537 13,188 14,388 15,312
Tax % 14% 13% 15% 12% 15% 16% 14% 15% 15% 14% 15% -63% 11%
9,634 8,032 9,434 13,842 10,527 7,723 11,009 19,039 10,955 10,096 12,908 23,467 13,584
EPS in Rs 7.62 6.35 7.49 10.94 8.34 6.11 8.70 15.05 8.66 7.98 10.22 18.55 10.74
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
571,508 628,043 690,914 723,606 784,628 845,966 889,970 977,772 994,088
565,587 634,989 691,166 720,280 750,498 813,316 836,692 929,011 946,996
Operating Profit 5,920 -6,947 -252 3,326 34,130 32,651 53,278 48,761 47,092
OPM % 1.0% -1.1% -0.0% 0.5% 4.3% 3.9% 6% 5.0% 4.7%
2,615 20,870 12,820 9,248 7,800 14,829 3,495 5,421 6,333
Interest 0 0 0 0 0 0 0 0 0
Depreciation 336 379 417 436 466 466 506 707 0
Profit before tax 8,199 13,544 12,151 12,138 41,463 47,014 56,267 53,475 53,425
Tax % 68% 80% 76% 66% 13% 13% 14% -7%
2,627 2,710 2,974 4,125 35,997 40,916 48,320 57,453 60,055
EPS in Rs 3.26 28.46 32.34 38.20 45.42 47.49
Dividend Payout % 2% 2% 0% 23% 5% 15% 16% 11%
Compounded Sales Growth
10 Years: %
5 Years: 7%
3 Years: 8%
TTM: 10%
Compounded Profit Growth
10 Years: %
5 Years: 81%
3 Years: 17%
TTM: 23%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 9%
1 Year: -1%
Return on Equity
10 Years: %
5 Years: 52%
3 Years: 46%
Last Year: 38%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 100 100 100 6,325 6,325 6,325 6,325 6,325
Reserves 710 902 6,784 5,012 39,908 76,422 120,901 170,280
269,401 253,414 4 1 0 0 0 0
3,157,039 3,245,419 3,822,637 4,242,719 4,532,258 5,233,300 5,533,342 5,771,951
Total Liabilities 3,427,249 3,499,834 3,829,524 4,254,058 4,578,491 5,316,047 5,660,568 5,948,556
25,194 28,216 17,723 17,770 20,473 20,667 21,330 28,335
CWIP 710 734 148 199 331 403 326 419
Investments 2,900,287 2,976,100 3,517,445 3,926,211 4,243,008 4,976,133 5,298,429 5,556,359
501,059 494,784 294,208 309,878 314,678 318,844 340,483 363,444
Total Assets 3,427,249 3,499,834 3,829,524 4,254,058 4,578,491 5,316,047 5,660,568 5,948,556

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
13,274 54,367 80,602 -3,783 54,519 26,548 -9,721 -26,211
9,636 -40,415 148,447 12,531 -52,848 -25,695 41,408 36,693
-13,700 -18,664 -256,125 0 -949 -4,427 -3,794 -7,626
Net Cash Flow 9,210 -4,712 -27,077 8,748 722 -3,574 27,893 2,856
Free Cash Flow 11,281 53,447 86,765 -3,879 53,976 25,835 -10,435 -27,181
CFO/OP 500% -908% -27,549% 108% 143% 64% -19% -42%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0
Working Capital Days 78 63 35 42 43 39 38 45
ROCE % 5% 9% 131% 143% 73% 53% 35%

Insights

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Mar 2020 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Market Share by Premium
% ・Standalone data

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Net VNB Margin
% ・Standalone data
Number of Individual Agents
lakhs ・Standalone data
Number of Individual Policies Sold
count ・Standalone data
Total APE (Annualized Premium Equivalent)
INR Crore ・Standalone data
Bancassurance and Alternate Channels Individual NBP
INR Crore ・Standalone data
Non-Par Share of Individual APE
% ・Standalone data
13th Month Persistency (Premium Basis)
% ・Standalone data

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Shareholding Pattern

Numbers in percentages

2 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50%
0.10% 0.06% 0.14% 0.19% 0.16% 0.07% 0.10% 0.11% 0.13% 0.20% 0.31% 0.44%
0.84% 1.00% 0.85% 0.94% 1.16% 1.26% 1.27% 1.37% 1.35% 1.33% 1.27% 0.99%
2.55% 2.43% 2.49% 2.37% 2.17% 2.15% 2.13% 2.02% 2.03% 1.96% 1.90% 2.06%
No. of Shareholders 31,34,54129,36,74027,16,18125,63,69323,98,13023,75,39623,71,84122,77,18022,27,96621,55,41721,11,76621,52,897

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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