NSE/LICI

LICILife Insurance Corp of India

Financial Services · NSE

₹842.2+0.07%

52-wk low52-WEEK RANGE52-wk high

₹725.65+16.1% from low ·-13.4% from high₹972.8

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

LICI-3.78% · 1Y

Range high ₹1,222Range low ₹530.05Latest ₹842.2Powered by TradingView · live NSE data

Financial ServicesInsurance - LifeLargecapLow Risk

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite50/100

Performance

Low

Hasn't fared well — amongst the weak performers.

· 52w return +3.0%
· Below 200-DMA (-3.9%) — downtrend

Valuation

Medium

Valuation close to the sector median.

· P/E 9.9 vs sector median 18.5 — 47% cheaper
· P/B 4.30 above sector median

Growth

Medium

Steady but not standout growth.

· Revenue YoY +16.1%
· Profit YoY +17.7%

Profitability

High

Showing good signs of profitability & efficiency.

· ROE 43.5% — high-quality compounder
· Net margin 5.5% — thin margins

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeB(67/100)

Durability

72/100

Reasonable financial health; watch the weaker inputs.

Show 2 drivers

Piotroski F-score3/5 (60pt)
ROE43.5% (100pt)

Valuation

70/100

Fairly priced — not a bargain, not stretched.

Show 4 drivers

P/E vs sector (9.9 / 18.5)53% (100pt)
P/B4.30 (20pt)
Dividend yield1.42% (36pt)
EV/EBITDA7.9 (90pt)

Momentum

58/100

Constructive setup — momentum building, not extended.

Show 5 drivers

52w change+3.0% (49pt)
DMA-trend alignmentsideways (50pt)
RSI (14)62.6 (92pt)
Price vs 200-DMA-3.1% (50pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)9.88

UNDERVALUED

CheapestP/E 9.9 at 21th %ile of sector — cheaper than 79% of peers.Most expensive

P/B4.30

OVERVALUED

CheapestP/B 4.30 at 74th %ile of sector.Most expensive

EV/EBITDA7.87

UNDERVALUED

Monthly seasonality

Avg monthly return over 4 years · historical — not a forecast

Best: May +10.56% · Worst: Mar -6.16%

Jan

+0.2%

25% win

Feb

-3.3%

50% win

Mar

-6.2%

25% win

Apr

+6.3%

75% win

May

+10.6%

100% win

Jun

-2.8%

Monthly return distribution

Distribution of 47 monthly returns

Mean

+0.48%

Median

-0.03%

Std dev

9.08%

Best

+22.5%

Worst

-16.9%

% positive

49%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 2

High-quality compounder (ROE 43.5%)
Above 20% ROE consistently flags capital-efficient businesses
Top quartile ROE in Financial Services
Rank 1 of 58 peers

WEAKNESSES · 1

Weak financial quality (Piotroski 3/5)
Score ≤3 signals multiple concerning accounting trends

OPPORTUNITIES · 1

27% upside to consensus target (₹1049)
24 analysts see fair value materially higher

THREATS · 0

No immediate threats from the data

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+0.1%

+5.5%

+9.0%

+0.5%

-6.8%

+7.3%

+13.4%

-1.0%

10Y

—

Fundamentals

VALUATION

Market cap

₹5,23,773 Cr

P/E (TTM)

9.9

P/E (fwd)

8.3

next 12m

P/B

4.30

EV/EBITDA

7.9

Book value

₹192.55

per share

PROFITABILITY · QUALITY

ROE

43.5%

ROCE

—

Net margin

5.5%

Op margin

6.5%

Gross margin

11.7%

D/E

—

GROWTH · MARKET

Rev YoY

+16.1%

Profit YoY

+17.7%

Div yield

1.42%

Payout

14.3%

52w change

+3.0%

Beta

0.55

defensive

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 5

+Trading at -46.6% vs sector median P/EP/E 9.9 vs Financial Services median 18.5 — relative value on earnings
+Forward P/E materially below trailing (8.3x vs 9.9x)Street expects earnings growth that compresses the multiple — positive surprise cushion
+High ROE of 43.5%Capital-efficient business — every rupee of equity generates 43.5 paise of earnings
+3-year profit CAGR of 127.1%Consistently compounding earnings — the Buffett playbook
++27% upside to analyst consensus target24 analysts average target of ₹1049 vs current ₹828

CONS · 0

No material concerns surface from the ratios alone — still layer qualitative research.

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

9.88

Sector median

18.51

Rank 12/58 (81th %ile)

ROE

This stock

43.5%

Sector median

13.6%

Rank 58/58 (2th %ile)

P/B

This stock

4.30

Sector median

2.13

Rank 43/58 (28th %ile)

Quality score · Piotroski F-score

3 / 5

Decent quality — clears Piotroski bar

✓Profitable (positive net income)· Most basic check — company makes money
✓Positive return on assets· Assets generate returns
—Positive operating cash flow· Profits are backed by real cash, not accruals
—Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
—Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✗ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
✗

Analyst consensus

24 analysts · BUY

Target mean

₹1048.58

Target high

₹1450.00

Target low

₹850.00

Upside vs today

+26.6%

Street consensus target is +26.6% vs current price. Consensus is a lagging sentiment read, not a forecast.

Company + balance sheet snapshot

Industry

Insurance - Life

Employees

91,606

Shares out

632.5

Revenue (TTM)

₹9,45,585 Cr

EBITDA

₹71,359 Cr

Total debt

₹0 Cr

Cash

₹56,384 Cr

Net debt

₹-56,384 Cr

Quarterly results

Last 5 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	2,31,698	2,03,451	2,44,059	2,25,033	2,36,203
Other income	—	—	-0	—	—
PBT	7,735	11,018	19,046	10,986	12,880
Tax %	0.1%	0.1%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	7,26,838	7,85,217	8,49,031	8,91,125
Other income	-1	1	0	-0
Interest	87	77	128	143
PBT	4,165	36,081	41,057	48,351
Tax %

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
LICITHIS Life Insurance Corporation Of India	₹842.2	+3.0%	5,23,773	9.9	4.30	43.5%	—	+16.1%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	16.79	20.44	+21.7%
-2q	12.98	15.97	+23.0%
-3q	18.51	17.32	-6.4%
-4q	17.63	30.10	+70.7%

Date	Amount
2025-07-25	₹12.00
2024-07-19	₹6.00
2024-02-21	₹4.00
2023-07-21	₹3.00
2022-08-25	₹1.50

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	6,325	6,325	6,325	6,325
Reserves	4,175	39,218	75,702	1,20,217
Borrowings	1	—	—	—
Total liabilities	42,54,059	45,78,491	53,16,047	56,60,568
Fixed assets	3,549	3,821	4,064	4,474
CWIP	199	331	403	326
Investments	38,39,326	41,57,409	48,55,800	51,72,447
Total assets	42,54,059	45,78,491	53,16,047	56,60,568

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Investing	12,099	-54,472	-25,826	40,423
CF Financing	—	-949	-4,427	-3,794
Net cash flow	8,748	722	-3,574	27,893
Free cash flow	-4,499	53,632	25,780	-9,922

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	5.4%	4.8%	4.6%	0.6%
ROE %	46.3%	64.1%	128.5%	39.3%
ROCE %	—	—	—	40.5%
Debt / Equity	—	—	—	0.00
Dividend payout %	8%	11%	3%	—
Interest coverage	339.9×	322.1×	467.0×	49.0×
Revenue growth YoY	+5.0%	+8.1%	+8.0%	—
Profit growth YoY	+18.1%	+13.7%	+772.7%	—

LICILife Insurance Corp of India

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Recent news

Stock scorecard

SWOT analysis

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services