āagmanLoginNot investment advice. Data and computed figures, for information only.
Life Insurance Corporation of India
₹394.00
+₹0.00 (+0.00%)
NSE · 15 Oct 2026, close
Market Cap
₹4,98,726 Cr
CMP
₹394.00
52-wk High / Low
₹937 / 378
P/E
8.3
P/B
2.8
Book Value
₹140.0
Div Yield
2.54%
ROCE
35.0%
ROE
37.8%
Face Value
₹10
D/E
0.00
Price−56.1% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹378
√(22.5 × EPS × book value per share)
ROIC
27.2%
vs 10.0% sector median
Cash flow to profit
−0.46
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
+118
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
29.8%
ROE × earnings retention ratio
ROE stability
17.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.13DII −0.28
Latest quarter vs the previous one
Cash-accrual divergence
1.4%
of assets
Low = accruals track cash flow
Strengths
+ROCE has stayed above the sector median for 5 consecutive years (weakest: 35% vs the 2026 sector median of 9.0%)
+FII holding rose by 0.4pp over the last year
+PE of 8.3x is below the sector median of 20.4x
Watch-outs
−Price trades below its 200-day moving average (0.6x)
−Price is 57.9% below its 52-week high
−Annualised volatility of 74.7% is in the high band (≥45%)
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| 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 | 1,90,163 | 2,03,033 | 2,14,054 | 2,38,717 | 2,11,952 | 2,31,132 | 2,03,751 | 2,43,134 | 2,24,671 | 2,41,524 | 2,35,954 | 2,76,744 | 2,39,866 |
| Expenses | 1,80,169 | 1,94,558 | 2,04,815 | 2,37,152 | 2,02,180 | 2,24,544 | 1,91,818 | 2,21,621 | 2,14,198 | 2,32,032 | 2,23,588 | 2,65,521 | 2,25,854 |
| 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 % | 5.3% | 4.2% | 4.3% | 0.7% | 4.6% | 2.9% | 5.9% | 8.8% | 4.7% | 3.9% | 5.2% | 4.1% | 5.8% |
| 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 |
| 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 (₹) | 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 |
Profit & Loss
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,71,508 | 6,28,043 | 6,90,914 | 7,23,606 | 7,84,628 | 8,45,966 | 8,89,970 | 9,77,772 | 9,94,088 |
| Expenses | 5,65,587 | 6,34,989 | 6,91,166 | 7,20,280 | 7,50,498 | 8,13,316 | 8,36,692 | 9,29,011 | 9,46,996 |
| 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% | 6.0% | 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 |
| Net Profit | 2,627 | 2,710 | 2,974 | 4,125 | 35,997 | 40,916 | 48,320 | 57,453 | 60,055 |
| EPS (₹) | — | — | — | 3.26 | 28.46 | 32.34 | 38.20 | 45.42 | 47.49 |
Balance Sheet
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 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 | 1,20,901 | 1,70,280 | — |
| Borrowings | 2,69,401 | 2,53,414 | 4 | 1 | 0 | 0 | 0 | 0 | — |
| Other Liabilities | 31,57,039 | 32,45,419 | 38,22,637 | 42,42,719 | 45,32,258 | 52,33,300 | 55,33,342 | 57,71,951 | — |
| Total Liabilities | 34,27,249 | 34,99,834 | 38,29,524 | 42,54,058 | 45,78,491 | 53,16,047 | 56,60,568 | 59,48,556 | — |
| Fixed Assets | 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 | 29,00,287 | 29,76,100 | 35,17,445 | 39,26,211 | 42,43,008 | 49,76,133 | 52,98,429 | 55,56,359 | — |
| Other Assets | 5,01,059 | 4,94,784 | 2,94,208 | 3,09,878 | 3,14,678 | 3,18,844 | 3,40,483 | 3,63,444 | — |
| Total Assets | 34,27,249 | 34,99,834 | 38,29,524 | 42,54,058 | 45,78,491 | 53,16,047 | 56,60,568 | 59,48,556 | — |
Cash Flows
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 13,274 | 54,367 | 80,602 | −3,783 | 54,519 | 26,548 | −9,721 | −26,211 |
| Cash from Investing Activity | 9,636 | −40,415 | 1,48,447 | 12,531 | −52,848 | −25,695 | 41,408 | 36,693 |
| Cash from Financing Activity | −13,700 | −18,664 | −2,56,125 | 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 |
Ratios
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROCE % | — | 5.0 | 9.0 | 131.0 | 143.0 | 73.0 | 53.0 | 35.0 |
| ROE % | — | — | — | — | — | — | — | 37.8 |
| EPS (₹) | — | — | — | 3.26 | 28.46 | 32.34 | 38.20 | 45.42 |
| Book Value (₹) | — | — | — | — | — | — | — | 140.0 |
| Face Value (₹) | — | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | — | 8.3 |
| Div Yield % | — | — | — | — | — | — | — | 2.54 |
| NPM % | 0.5 | 0.4 | 0.4 | 0.6 | 4.5 | 4.8 | 5.4 | 5.8 |
| OPM % | 1.0 | −1.1 | 0.0 | 0.5 | 4.3 | 3.9 | 6.0 | 5.0 |
| D/E | 332.59 | 252.91 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/B | — | — | — | — | — | — | — | 2.8 |
Growth
Compounded sales growth
5 years+7.0%
3 years+8.0%
TTM+10.0%
Compounded profit growth
5 years+81.0%
3 years+17.0%
TTM+23.0%
Stock price CAGR
3 years+7.0%
Last year−12.0%
Return on equity
5 years52.0%
3 years46.0%
Last year38.0%
Documents
Announcements
Announcement under Regulation 30 (LODR)-Change in ManagementAnnouncement under Regulation 30 (LODR)-Change in DirectorateCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-CessationAnnouncement under Regulation 30 (LODR)-CessationCorporate actions
25 Jun 2026DIVIDENDDividend - Rs 10 Per Share—
29 May 2026BONUSBonus 1:1—
25 Jul 2025DIVIDENDDividend - Rs 12 Per Share—
19 Jul 2024DIVIDENDDividend - Rs 6 Per Share—
21 Feb 2024DIVIDENDInterim Dividend - Rs 4 Per Share—
21 Jul 2023DIVIDENDDividend - Rs 3 Per Share—
25 Aug 2022DIVIDENDDividend - Rs 1.50 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman