Life Insurance Corporation Of India

LICI
Insurance
โ‚น 874.75
Price
โ‚น 553,437
Market Cap
Large Cap
11.36
P/E Ratio

๐Ÿ“Š Score Snapshot

20.0 / 25
Performance
24.12 / 25
Valuation
1.77 / 20
Growth
7.0 / 30
Profitability
52.88 / 100
Risky

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 56,402 46,990 42,008 12,574 12,568 13,924 8,528 10,230
Adj Cash EBITDA Margin 6.34 5.55 5.35 1.74 1.82 2.22 1.49 1.96
Adj Cash EBITDA To EBITDA 1.00 0.99 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash EPS 76.91 64.34 56.91 - - - - -
Adj Cash PAT 48,639 40,693 35,997 4,125 2,974 2,710 2,630 2,446
Adj Cash PAT To PAT 1.00 0.99 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash PE 10.44 15.48 9.39 - - - - -
Adj EPS 76.91 64.89 56.91 - - - - -
Adj Number Of Shares 632.46 632.49 632.53 - - - - -
Adj PE 10.44 15.35 9.39 - - - - -
Adj Peg 0.56 1.09 - - - - - -
Bvps 201.60 131.07 73.28 - - - - -
Cash ROCE 45.43 62.20 124.51 48.39 7.31 0.83 0.71 390.95
Cash Roic -0.89 -0.60 -0.71 -0.04 -0.20 0.07 - -0.09
Cash Revenue 889,970 845,966 784,628 723,606 690,914 628,043 571,508 522,848
Cash Revenue To Revenue 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Dividend Yield 1.53 0.98 0.53 - - - - -
EV -4,864,046 -4,390,206 -3,950,632 - - - - -
Fcfe 48,430 40,446 35,921 4,464 -243,856 -13,818 -13,290 2,444
Fcfe Margin 5.44 4.78 4.58 0.62 -35.29 -2.20 -2.33 0.47
Fcfe To Adj PAT 1.00 0.99 1.00 1.08 -82.00 -5.10 -5.05 1.00
Fcff 45,112 27,416 29,219 1,321 6,416 -2,007 132.43 2,257
Fcff Margin 5.07 3.24 3.72 0.18 0.93 -0.32 0.02 0.43
Fcff To NOPAT 1.00 0.98 1.00 1.35 -39.18 1.37 0.07 1.00
Market Cap 504,545 627,904 337,992 - - - - -
PB 3.96 7.57 7.29 - - - - -
PE 10.44 15.35 9.39 - - - - -
Peg 0.58 1.12 - - - - - -
PS 0.57 0.74 0.43 - - - - -
ROCE 45.63 63.12 124.78 44.72 2.28 1.03 1.94 391.27
ROE 46.23 63.50 124.54 44.74 73.60 271.54 339.74 389.49
Roic -0.89 -0.61 -0.71 -0.03 0.01 0.05 -0.07 -0.09
Share Price 797.75 992.75 534.35 - - - - -

๐Ÿ“Š Quarterly Results

Metric Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022 Mar 2022
Sales 224,671 243,134 203,751 231,132 211,952 238,717 214,054 203,033 190,163 201,231 197,714 217,092 168,799 212,098
Expenses - 214,198 221,621 191,818 224,544 202,180 237,152 204,815 194,558 180,169 189,692 194,094 202,366 168,360 213,222
Other Income - 780.00 954.00 818.00 794.00 1,001 14,249 206.00 288.00 117.00 612.00 270.00 6,046 992.00 3,503
Profit Before Tax 11,253 22,468 12,752 7,382 10,774 15,813 9,445 8,763 10,111 12,151 3,891 20,772 1,431 2,379
Tax % 2.65 15.26 13.67 -4.62 2.29 12.46 0.12 8.34 4.72 -8.54 -87.77 23.66 57.51 -1.26
Net Profit - 10,955 19,039 11,009 7,723 10,527 13,842 9,434 8,032 9,634 13,189 7,306 15,858 608.00 2,409
Profit From Associates 1,347 - - 1,486 1,383 - 1,412 451.00 984.00 2,029 957.00 538.00 658.00 -
Minority Share 2.00 - - 6.00 17.00 - 35.00 -2.00 1.00 1.00 5.00 -4.00 -5.00 -
Profit Excl Exceptional 10,955 19,039 11,009 7,723 10,527 13,842 9,434 8,032 9,634 13,189 7,306 15,858 608.00 2,409
Profit For PE 10,955 19,039 11,009 7,723 10,527 13,842 9,434 8,030 9,634 13,189 7,306 15,854 603.00 2,409
Profit For EPS 10,957 19,039 11,009 7,729 10,544 13,842 9,469 8,030 9,635 13,191 7,311 15,854 603.00 2,409
EPS In Rs 17.32 30.10 17.40 12.22 16.67 21.88 14.97 12.70 15.23 20.86 11.56 25.07 0.95 3.81
PAT Margin % 4.88 7.83 5.40 3.34 4.97 5.80 4.41 3.96 5.07 6.55 3.70 7.30 0.36 1.14
PBT Margin 5.01 9.24 6.26 3.19 5.08 6.62 4.41 4.32 5.32 6.04 1.97 9.57 0.85 1.12
Tax 298.00 3,429 1,743 -341.00 247.00 1,971 11.00 731.00 477.00 -1,038 -3,415 4,914 823.00 -30.00
Yoy Profit Growth % 4.00 38.00 17.00 -4.00 9.00 5.00 29.00 -49.00 1,498 447.00 3,373 972.00 2,583 -17.00
Adj Ebit 11,253 22,467 12,751 7,382 10,773 15,814 9,445 8,763 10,111 12,151 3,890 20,772 1,431 2,379
Adj EBITDA 11,253 22,467 12,751 7,382 10,773 15,814 9,445 8,763 10,111 12,151 3,890 20,772 1,431 2,379
Adj EBITDA Margin 5.01 9.24 6.26 3.19 5.08 6.62 4.41 4.32 5.32 6.04 1.97 9.57 0.85 1.12
Adj Ebit Margin 5.01 9.24 6.26 3.19 5.08 6.62 4.41 4.32 5.32 6.04 1.97 9.57 0.85 1.12
Adj PAT 10,955 19,039 11,009 7,723 10,527 13,842 9,434 8,032 9,634 13,189 7,306 15,858 608.00 2,409
Adj PAT Margin 4.88 7.83 5.40 3.34 4.97 5.80 4.41 3.96 5.07 6.55 3.70 7.30 0.36 1.14
Ebit 11,253 22,467 12,751 7,382 10,773 15,814 9,445 8,763 10,111 12,151 3,890 20,772 1,431 2,379
EBITDA 11,253 22,467 12,751 7,382 10,773 15,814 9,445 8,763 10,111 12,151 3,890 20,772 1,431 2,379
EBITDA Margin 5.01 9.24 6.26 3.19 5.08 6.62 4.41 4.32 5.32 6.04 1.97 9.57 0.85 1.12
Ebit Margin 5.01 9.24 6.26 3.19 5.08 6.62 4.41 4.32 5.32 6.04 1.97 9.57 0.85 1.12
NOPAT 10,195 18,230 10,302 6,892 9,548 1,370 9,228 7,768 9,522 12,524 6,797 11,242 186.53 -1,138
NOPAT Margin 4.54 7.50 5.06 2.98 4.50 0.57 4.31 3.83 5.01 6.22 3.44 5.18 0.11 -0.54
Operating Profit 10,473 21,513 11,933 6,588 9,772 1,565 9,239 8,475 9,994 11,539 3,620 14,726 439.00 -1,124
Operating Profit Margin 4.66 8.85 5.86 2.85 4.61 0.66 4.32 4.17 5.26 5.73 1.83 6.78 0.26 -0.53

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2017
Sales 889,970 845,966 784,628 723,606 690,914 628,043 571,508 522,848 492,068
Interest - - 77.00 - - - - 46.00 47.00
Expenses - 836,692 813,316 750,420 720,280 691,166 634,989 565,587 513,419 483,728
Other Income - 3,124 14,687 7,800 9,248 12,820 20,870 2,607 801.00 607.00
Exceptional Items 372.00 142.00 - - - - 8.00 - -
Depreciation 506.00 466.00 466.00 436.00 417.00 379.00 336.00 302.00 326.00
Profit Before Tax 56,267 47,014 41,463 12,138 12,151 13,544 8,199 9,882 8,573
Tax % 14.12 12.97 13.18 66.02 75.52 79.99 67.96 75.25 73.96
Net Profit - 48,320 40,916 35,997 4,125 2,974 2,710 2,627 2,446 2,232
Profit From Associates 4,847 - - - - - - - -
Minority Share 41.00 - - - - - - - -
Exceptional Items At 319.00 124.00 - - - - 3.00 - -
Profit Excl Exceptional 48,001 40,792 35,997 4,125 2,974 2,710 2,625 - -
Profit For PE 48,001 40,792 35,997 4,125 2,974 2,710 2,625 2,446 2,232
Profit For EPS 48,320 40,916 35,997 4,125 2,974 2,710 2,627 2,446 2,232
EPS In Rs 76.40 64.69 56.91 - - - - - -
Dividend Payout % 16.00 15.00 5.00 23.00 - 2.00 2.00 - -
PAT Margin % 5.43 4.84 4.59 0.57 0.43 0.43 0.46 0.47 0.45
PBT Margin 6.32 5.56 5.28 1.68 1.76 2.16 1.43 1.89 1.74
Tax 7,947 6,098 5,466 8,013 9,177 10,834 5,572 7,436 6,341
Adj Ebit 55,896 46,871 41,542 12,138 12,151 13,545 8,192 9,928 8,621
Adj EBITDA 56,402 47,337 42,008 12,574 12,568 13,924 8,528 10,230 8,947
Adj EBITDA Margin 6.34 5.60 5.35 1.74 1.82 2.22 1.49 1.96 1.82
Adj Ebit Margin 6.28 5.54 5.29 1.68 1.76 2.16 1.43 1.90 1.75
Adj PAT 48,639 41,040 35,997 4,125 2,974 2,710 2,630 2,446 2,232
Adj PAT Margin 5.47 4.85 4.59 0.57 0.43 0.43 0.46 0.47 0.45
Ebit 55,524 46,729 41,542 12,138 12,151 13,545 8,184 9,928 8,621
EBITDA 56,030 47,195 42,008 12,574 12,568 13,924 8,520 10,230 8,947
EBITDA Margin 6.30 5.58 5.35 1.74 1.82 2.22 1.49 1.96 1.82
Ebit Margin 6.24 5.52 5.29 1.68 1.76 2.16 1.43 1.90 1.75
NOPAT 45,321 28,010 29,295 982.02 -163.77 -1,466 1,789 2,259 2,087
NOPAT Margin 5.09 3.31 3.73 0.14 -0.02 -0.23 0.31 0.43 0.42
Operating Profit 52,772 32,184 33,742 2,890 -669.00 -7,325 5,585 9,127 8,014
Operating Profit Margin 5.93 3.80 4.30 0.40 -0.10 -1.17 0.98 1.75 1.63

๐Ÿฆ Balance Sheet

Metric Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Accumulated Depreciation 4,809 - 4,470 - 4,191 3,914 3,554 5,607 5,860 2,607
Average Capital Employed 105,201 79,501 64,624 - 28,905 9,224 130,750 262,405 135,474 628.00
Average Invested Capital -5,091,076 -5,087,996 -4,596,616 - -4,116,342 -3,774,034 -3,203,109 -2,790,772 -2,684,669 -2,497,026
Average Total Assets 5,488,308 5,307,278 4,947,269 - 4,416,275 4,041,792 3,664,679 3,463,542 3,136,119 2,708,468
Average Total Equity 105,202 79,496 64,625 - 28,904 9,220 4,040 998.00 774.00 628.00
Cwip 326.00 - 403.00 - 331.00 199.00 148.00 734.00 710.00 175.00
Capital Employed 127,503 97,825 82,899 61,177 46,350 11,460 6,987 254,512 270,298 649.00
Cash Equivalents 69,885 29,390 41,824 29,081 45,499 44,724 36,078 63,153 67,900 22,681
Fixed Assets 21,330 4,197 20,667 3,883 20,473 17,770 17,723 28,216 25,194 2,574
Gross Block 26,140 - 25,137 - 24,664 21,684 21,276 33,823 31,054 5,181
Invested Capital -5,241,248 -5,617,099 -4,940,903 -4,558,894 -4,252,329 -3,980,356 -3,567,712 -2,838,506 -2,743,038 -2,626,300
Investments 5,298,429 5,413,779 4,976,133 4,590,990 4,243,008 3,926,212 3,517,445 2,976,100 2,900,287 2,604,269
Loans N Advances 437.00 271,755 5,845 - 10,171 20,879 21,175 54,775 46,146 -
Long Term Borrowings - 9.80 - - - - - 253,414 - -
Net Debt -5,368,314 -5,443,159 -5,017,957 -4,620,071 -4,288,507 -3,970,935 -3,553,519 -2,785,839 -2,698,786 -2,626,950
Net Working Capital -5,262,904 -5,621,296 -4,961,973 -4,562,777 -4,273,133 -3,998,325 -3,585,583 -2,867,456 -2,768,942 -2,629,049
Non Controlling Interest 277.00 179.00 153.00 - 117.00 120.00 99.00 96.00 88.00 -
Other Asset Items 270,161 - 271,175 118,619 259,008 244,274 236,954 376,856 387,013 215,116
Other Borrowings - - - - - 1.29 3.67 - 269,401 -
Other Liability Items 5,529,121 5,621,296 5,221,955 4,834,257 4,524,553 4,235,835 3,806,312 3,229,799 3,146,446 2,833,794
Reserves 120,901 91,312 76,422 54,852 39,908 5,013 6,784 902.00 710.00 550.00
Share Capital 6,325 6,325 6,325 6,325 6,325 6,325 100.00 100.00 100.00 100.00
Short Term Loans And Advances - - - 152,861 - - - 1,010 996.00 175.00
Total Assets 5,660,568 5,719,121 5,316,047 4,895,434 4,578,491 4,254,059 3,829,524 3,499,834 3,427,249 2,844,989
Total Borrowings - 10.00 - - - 1.00 4.00 253,414 269,401 -
Total Equity 127,503 97,816 82,900 61,177 46,350 11,458 6,983 1,098 898.00 650.00
Total Equity And Liabilities 5,660,568 5,719,121 5,316,047 4,895,434 4,578,491 4,254,059 3,829,524 3,499,834 3,427,249 2,844,989
Total Liabilities 5,533,065 5,621,305 5,233,147 4,834,257 4,532,141 4,242,601 3,822,541 3,498,736 3,426,351 2,844,339
Trade Payables 3,944 - 11,193 - 7,588 6,764 16,225 15,523 10,505 10,546

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity -3,794 -4,427 -949.00 - -256,125 -18,664 -13,700 -2,370
Cash From Investing Activity 40,832 -25,695 -52,848 12,531 148,447 -40,415 9,636 -75,610
Cash From Operating Activity -9,145 26,548 54,519 -3,783 80,602 54,367 13,274 67,931
Cash Paid For Purchase Of Fixed Assets -777.00 -768.00 -886.00 -717.00 -1,076 -1,120 -2,546 -571.00
Cash Paid For Purchase Of Investments -576,090 -576,463 -543,739 -427,781 -499,555 -426,193 -316,629 -405,017
Cash Paid For Repayment Of Borrowings - - - - -253,410 -15,987 -14,263 -
Cash Receipts From Deposits - -347.00 - - - - - -
Cash Received From Sale Of Fixed Assets 62.00 55.00 344.00 620.00 7,239 200.00 553.00 267.00
Cash Received From Sale Of Investments 307,792 261,904 224,908 190,388 274,807 152,516 133,824 156,000
Change In Working Capital - -347.00 - - - - - -
Direct Taxes Paid 396.00 5,689 5,825 -7,374 11,176 -8,726 -16,319 -
Dividends Paid - - -949.00 - -2,716 -2,677 563.00 -2,370
Dividends Received - - - 250,560 248,888 231,231 199,144 -
Interest Paid -3,794 -4,427 - - - - - -
Interest Received - - 268,931 - - - - 176,917
Net Cash Flow 27,893 -3,574 722.00 8,748 -27,077 -4,712 9,210 -10,049
Other Cash Financing Items Paid - - - - - 52.00 - -
Other Cash Investing Items Paid 309,844 289,577 -2,406 -539.00 118,144 2,952 -4,710 -3,205
Other Cash Operating Items Paid -9,540 20,859 48,693 3,592 69,427 63,093 29,593 -
Profit From Operations - - - - - - 19,849 67,931

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Lici 2025-06-30 - 0.11 1.37 2.02 0.00
Lici 2025-03-31 - 0.10 1.27 2.13 0.00
Lici 2024-12-31 - 0.07 1.26 2.15 0.00
Lici 2024-09-30 - 0.16 1.16 2.17 0.00
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