LICI
Life Insurance Corporation Of India (LICI) Stock Analysis
Life Insurance Corporation Of India is India's largest life insurer offering individual and group policies, pensions, and unit-linked products through an extensive agent network. It holds a dominant share of India's life insurance market and large investment portfolios. The corporation was listed after decades as a state-owned insurer. It is listed on Indian stock exchanges.
Financial Services › Insurance - Life
₹397.80
+0.89% 1W | -11.00% 52W
Market Cap
503.2k CR
P/E Ratio
8.4
52W High
₹468.5
52W Low
₹360.8
Div. Yield
2.54%
Beta
0.5
50 DMA
₹404.5
200 DMA
₹410
Profit Margin
6.5%
Inst. Own.
5.9%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 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 |
| Expenses | 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% |
| Other Income | 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% |
| Net Profit | 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 |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 571,508 | 628,043 | 690,914 | 723,606 | 784,628 | 845,966 | 889,970 | 977,772 | 994,088 |
| Expenses | 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% |
| Other Income | 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% | |
| Net Profit | 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% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 8.0% | 7.0% | – |
| Profit CAGR | 17.0% | 81.0% | – |
Shareholding Pattern
Promoters96.50%
FIIs0.13%
DIIs1.35%
Public2.03%
Promoters96.50%
FIIs0.20%
DIIs1.33%
Public1.96%
Promoters96.50%
FIIs0.31%
DIIs1.27%
Public1.90%
Promoters96.50%
FIIs0.44%
DIIs0.99%
Public2.06%
Promoters90.00%
FIIs1.55%
DIIs6.18%
Public2.28%
Promoters96.50%
FIIs0.08%
DIIs0.90%
Public2.52%
Promoters96.50%
FIIs0.14%
DIIs0.85%
Public2.49%
Promoters96.50%
FIIs0.10%
DIIs1.27%
Public2.13%
Promoters96.50%
FIIs0.31%
DIIs1.27%
Public1.90%
Promoters90.00%
FIIs1.55%
DIIs6.18%
Public2.28%
LICI
Holdings Analysis
Key strengths & risk signals
64
Overall
74
Fundamental
55
Technical
Risks (4)
VERY HIGH DEBT! D/E of 43.40 - significant risk.
WEAK POSITION! Current price (393.0) is below both moving averages.
WEAK YEAR! Stock declined 13.1% in the last year.
LOWER HALF! Trading at 29.9% of 52W range - weakness visible.
Strengths (4)
UNDERVALUED! PEG of 0.10 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (420.7) is above 200-day average (418.0) - positive signal.
APPROACHING OVERSOLD! RSI at 33.5 - watch for reversal.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 9,264,986 vs down days: 8,729,432. Ratio: 1.06x
Fundamental & Technical Analysis
64Overall
74Fundamental
55Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 7.0% (MODERATE, 8/15). Profit CAGR: 81.0% (EXCELLENT, 15/15).
Profit Margin
3/10
LOW MARGIN! 6.5% profit margin - thin profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.10 indicates stock is cheap relative to growth.
Dividend Yield
6/10
MODERATE DIVIDEND! 2.54% yield - some income benefit.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 43.40 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 2.55% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (420.7) is above 200-day average (418.0) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (393.0) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
2/10
WEAK YEAR! Stock declined 13.1% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 9,264,986 vs down days: 8,729,432. Ratio: 1.06x
RSI
4/5
APPROACHING OVERSOLD! RSI at 33.5 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 29.9% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -8.3% (1 week), -11.3% (1 month), 0.7% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
LICI
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-12 | Concall PDF | |
| Q4FY262026-05-28 | Concall PDF | |
| Q3FY262026-02-12 | Concall PDF | |
| Q2FY262025-11-13 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Life · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LICI | ₹397.80 | 8.4 | 6.5% | 7.3% | 16.9% | -11.0% | 64 | APPROACHING RESISTANCE | +24.0% | -42.1% | +6.6% | -13.3% |
| SBILIFE | ₹1,656.80 | 63.9 | 2.1% | 11.1% | 12.8% | -9.5% | 53 | APPROACHING RESISTANCE | +22.0% | -9.9% | +18.8% | +1,031.9% |
| HDFCLIFE | ₹553.00 | 58.4 | 1.9% | 9.3% | 11.8% | -25.9% | 52 | APPROACHING RESISTANCE | +11.5% | +22.9% | +14.4% | +70.2% |
| ICICIPRULI | ₹445.00 | 36.7 | 2.7% | 8.5% | 25.5% | -24.6% | 56 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
| MFSL | ₹1,294.90 | 409.8 | 0.2% | 15.0% | -39.5% | -17.0% | 51 | BREAKDOWN | +37.4% | -462.1% | +16.8% | +38.6% |
| STARHEALTH | ₹548.90 | 38.3 | 3.6% | 14.0% | -3.4% | +9.9% | 65 | APPROACHING RESISTANCE | +25.4% | +393.9% | +12.6% | +13.7% |
| NIVABUPA | ₹76.00 | 39 | 4.8% | 36.4% | 118.5% | +0.1% | 69 | APPROACHING RESISTANCE | +93.0% | -60.1% | +27.9% | +15.6% |
| CANHLIFE | ₹130.40 | 92.5 | 1.1% | 5.0% | 6.0% | +21.5% | 53 | BREAKDOWN | – | +53.0% | – | -41.3% |
Data from TradeAlone · Updated daily
