LIFE INSURA CORP OF INDIA (LICI) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+0.25%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 0.4%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 37.8%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹386.00

200-Day DMA ● Overlay

₹358.00

14-Day RSI ● Overlay

52.9 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹4.97 Lakh Cr

Large cap

Stock P/E (TTM) Valuation

8.3x

Price / EPS

Book Value (₹) Assets

₹140.0

P/B: 2.8x

ROE (%) Quality

37.8%

Net Profit / Equity

ROCE (%) Efficiency

35.1%

EBIT / Capital

Dividend Yield Yield

2.55%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹47.38

Trailing 12M

OPM (%) Spread

4.7%

EBITDA Margin

Free Cash Flow Cash

-₹27,181 Cr

CFO - Capex

About LIFE INSURA CORP OF INDIA

LIFE INSURA CORP OF INDIA (LICI) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 3.4% × Turnover: 0.85x × Leverage: 1x = ROE: 37.8%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Company has a stellar track record of return on equity (ROE of 37.8%).

⚠ Key Considerations & Risks (Cons)

• Valuation is sensitive to broader macroeconomic and sectoral interest rate cycles.

📑 10-Year Comprehensive Financial Statements

✓ 100% Coverage (15/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹9.94 Lakh Cr

Latest PAT

₹60,055 Cr

EPS (TTM)

₹47.38

OPM %

4.7%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	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 / Revenue	₹1.90 Lakh Cr	₹2.03 Lakh Cr	₹2.14 Lakh Cr	₹2.39 Lakh Cr	₹2.12 Lakh Cr	₹2.31 Lakh Cr	₹2.04 Lakh Cr	₹2.43 Lakh Cr	₹2.25 Lakh Cr	₹2.42 Lakh Cr	₹2.36 Lakh Cr	₹2.77 Lakh Cr	₹2.40 Lakh Cr
Operating Profit (EBITDA)	₹9,994 Cr	₹8,475 Cr	₹9,239 Cr	₹1,564 Cr	₹9,773 Cr	₹6,588 Cr	₹11,934 Cr	₹21,514 Cr	₹10,474 Cr	₹9,492 Cr	₹12,366 Cr	₹11,222 Cr	₹14,012 Cr
OPM %	5.0%	4.2%	4.3%	0.7%	4.6%	2.9%	6.0%	9.0%	4.7%	3.9%	5.0%	4.1%	6.0%
Interest Expense	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Depreciation	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Profit before Tax (PBT)	₹10,111 Cr	₹8,763 Cr	₹9,445 Cr	₹15,813 Cr	₹10,774 Cr	₹7,382 Cr	₹12,752 Cr	₹22,468 Cr	₹11,253 Cr	₹10,537 Cr	₹13,188 Cr	₹14,388 Cr	₹15,312 Cr
Net Profit (PAT)	₹9,634 Cr	₹8,032 Cr	₹9,434 Cr	₹13,842 Cr	₹10,527 Cr	₹7,723 Cr	₹11,009 Cr	₹19,039 Cr	₹10,955 Cr	₹10,096 Cr	₹12,908 Cr	₹23,467 Cr	₹13,584 Cr
EPS in ₹	₹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

Annual P&L (₹ Cr)	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Sales	₹5.72 Lakh Cr	₹6.28 Lakh Cr	₹6.91 Lakh Cr	₹7.24 Lakh Cr	₹7.85 Lakh Cr	₹8.46 Lakh Cr	₹8.90 Lakh Cr	₹9.78 Lakh Cr	₹9.94 Lakh Cr
Expenses	₹5.66 Lakh Cr	₹6.35 Lakh Cr	₹6.91 Lakh Cr	₹7.20 Lakh Cr	₹7.50 Lakh Cr	₹8.13 Lakh Cr	₹8.37 Lakh Cr	₹9.29 Lakh Cr	₹9.47 Lakh Cr
Operating Profit	₹5,920 Cr	-₹6,947 Cr	-₹252.00 Cr	₹3,326 Cr	₹34,130 Cr	₹32,651 Cr	₹53,278 Cr	₹48,761 Cr	₹47,092 Cr
OPM %	1%	-1.1%	0%	0.5%	4.3%	3.9%	6%	5%	4.7%
Interest	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Depreciation	₹336.00 Cr	₹379.00 Cr	₹417.00 Cr	₹436.00 Cr	₹466.00 Cr	₹466.00 Cr	₹506.00 Cr	₹707.00 Cr	₹0 Cr
Profit before Tax	₹8,199 Cr	₹13,544 Cr	₹12,151 Cr	₹12,138 Cr	₹41,463 Cr	₹47,014 Cr	₹56,267 Cr	₹53,475 Cr	₹53,425 Cr
Net Profit	₹2,627 Cr	₹2,710 Cr	₹2,974 Cr	₹4,125 Cr	₹35,997 Cr	₹40,916 Cr	₹48,320 Cr	₹57,453 Cr	₹60,055 Cr
EPS in Rs	0.00	0.00	0.00	3.26	28.46	32.34	38.20	45.42	47.49

Balance Sheet (₹ Cr)	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	₹100.00 Cr	₹100.00 Cr	₹100.00 Cr	₹6,325 Cr	₹6,325 Cr	₹6,325 Cr	₹6,325 Cr	₹6,325 Cr
Reserves & Surplus	₹710.00 Cr	₹902.00 Cr	₹6,784 Cr	₹5,012 Cr	₹39,908 Cr	₹76,422 Cr	₹1.21 Lakh Cr	₹1.70 Lakh Cr
Borrowings (Debt)	₹2.69 Lakh Cr	₹2.53 Lakh Cr	₹4.00 Cr	₹1.00 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Total Liabilities	₹34.27 Lakh Cr	₹35.00 Lakh Cr	₹38.30 Lakh Cr	₹42.54 Lakh Cr	₹45.78 Lakh Cr	₹53.16 Lakh Cr	₹56.61 Lakh Cr	₹59.49 Lakh Cr
Fixed Assets	₹25,194 Cr	₹28,216 Cr	₹17,723 Cr	₹17,770 Cr	₹20,473 Cr	₹20,667 Cr	₹21,330 Cr	₹28,335 Cr
Total Assets	₹34.27 Lakh Cr	₹35.00 Lakh Cr	₹38.30 Lakh Cr	₹42.54 Lakh Cr	₹45.78 Lakh Cr	₹53.16 Lakh Cr	₹56.61 Lakh Cr	₹59.49 Lakh Cr

Cash Flows (₹ Cr)	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operations (CFO)	₹13,274 Cr	₹54,367 Cr	₹80,602 Cr	-₹3,783 Cr	₹54,519 Cr	₹26,548 Cr	-₹9,721 Cr	-₹26,211 Cr
Cash from Investing (CFI)	₹9,636 Cr	-₹40,415 Cr	₹1.48 Lakh Cr	₹12,531 Cr	-₹52,848 Cr	-₹25,695 Cr	₹41,408 Cr	₹36,693 Cr
Cash from Financing (CFF)	-₹13,700 Cr	-₹18,664 Cr	-₹2.56 Lakh Cr	₹0 Cr	-₹949.00 Cr	-₹4,427 Cr	-₹3,794 Cr	-₹7,626 Cr
Free Cash Flow (FCF)	₹11,281 Cr	₹53,447 Cr	₹86,765 Cr	-₹3,879 Cr	₹53,976 Cr	₹25,835 Cr	-₹10,435 Cr	-₹27,181 Cr

Efficiency Ratios	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days (DSO)	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0
Cash Conversion Cycle (Days)	0	0	0	0	0	0	0	0
ROCE %	0%	5%	9%	131%	143%	73%	53%	35%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹723.62 • Undervalued (Margin of Safety)

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹400.00

DCF Fair Value

₹723.62

Graham Number

₹386.32

Margin of Safety

+43%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹723.62

Undervalued (Margin of Safety) (Margin: +43%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹704	₹698	₹691	₹685
10%	₹717	₹711	₹704	₹698
12%	₹730	₹724	₹717	₹711
14%	₹743	₹737	₹730	₹723

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹724	Undervalued
Benjamin Graham Number	₹386	Market Priced
Historical Sector P/E	₹1,042	Discounted
EV / EBITDA Multiplier	₹420	In-Line
Free Cash Flow Yield Model	₹392	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 7/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

7 / 9 Pass

Altman Z-Score

4.92 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Managing working capital

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 4.7%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

96.50%

FIIs (Foreign)

0.44%

DIIs (Domestic)

0.99%

Government

0.15%

Public / Retail

2.06%

Swipe → to view historical quarters

Category	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Promoters	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%	96.50%
+ FIIs (Foreign Portfolio)	0.10%	0.06%	0.14%	0.19%	0.16%	0.07%	0.10%	0.11%	0.13%	0.20%	0.31%	0.44%
+ DIIs (Mutual Funds / Insurance)	0.84%	1.00%	0.85%	0.94%	1.16%	1.26%	1.27%	1.37%	1.35%	1.33%	1.27%	0.99%
+ Public (Retail & HNIs)	2.55%	2.43%	2.49%	2.37%	2.17%	2.15%	2.13%	2.02%	2.03%	1.96%	1.90%	2.06%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Diversified.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

LICI Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

LICI Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

LICI Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹512.00

Accelerated market share capture in Diversified, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹448.00

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 8x P/E.

🐻 Bear Case (15%) -12.0%

₹352.00

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Diversified)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 18:09 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	D/E	Market Cap
★ LIFE INSURA CORP OF INDIA (LICI)	Target Stock	₹400.00	+0.25%	8.3x	37.8%	35.1%	0.00	₹4.97 Lakh Cr
BSE Ltd (BSE)	Diversified Operations	₹3,906.00	+2.34%	43.9x	46.0%	60.0%	0.00	₹1.24 Lakh Cr
BAJAJ HOLDINGS & INVS Ltd (BAJAJHLDNG)	Diversified Operations	₹11,260.00	+2.91%	13.4x	11.9%	11.0%	0.00	₹1.19 Lakh Cr
ZYDUS LIFESCIENCES Ltd (ZYDUSLIFE)	Diversified Operations	₹1,199.50	-1.35%	23.5x	21.2%	21.1%	0.46	₹1.14 Lakh Cr
HDFC AMC Ltd (HDFCAMC)	Diversified Operations	₹2,715.00	+3.64%	33.6x	32.9%	42.9%	0.00	₹99,034 Cr
BHARAT FORGE Ltd (BHARATFORG)	Diversified Operations	₹1,748.60	+1.37%	90.7x	12.0%	12.6%	0.76	₹91,626 Cr
ASHOK LEYLAND Ltd (ASHOKLEY)	Diversified Operations	₹173.90	-0.55%	23.7x	27.4%	13.6%	4.49	₹88,390 Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 100% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	18:09:04 IST	✓ Live Sync
Financial Statements (10Y)	LIFE INSURA CORP OF INDIA Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

LIFE INSURA CORP OF INDIA

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About LIFE INSURA CORP OF INDIA

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Diversified)

Metric Explainer

Stock DNA Methodology

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