Life Insurance Corporation of India Stock Price Today (NSE: LICI)
Fundamental Score
Life Insurance Corporation of India Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Life Insurance Corporation of India share price today is ₹725.65, down 1.93% on NSE/BSE as of 30 March 2026. Life Insurance Corporation of India (LICI) is a Large-cap company in the Life Insurance sector with a market capitalisation of ₹5.58L (Cr). The 52-week high for LICI share price is ₹980.00 and the 52-week low is ₹737.05. At a P/E ratio of 10.92x, LICI is currently trading below its industry average P/E of 83.91x. The company has a Return on Equity (ROE) of 45.72% and a debt-to-equity ratio of 0.00.
Life Insurance Corporation of India Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Life Insurance Corporation of India Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Life Insurance Corporation of India Share Price: A Conservative Value Investor's Perspective
Assessing the Life Insurance Corporation of India (LIC) share price requires a deep dive into its fundamentals. A unique aspect of the life insurance industry is its inherent long-term nature. Policies are held for decades, creating a predictable, albeit slow-moving, revenue stream. This predictability, however, necessitates stringent risk management and efficient capital allocation. Currently, the LIC share price stands at ₹901.8499755859375, with a PE ratio of 10.92. This financial analysis will explore whether this valuation offers sufficient margin of safety for a conservative value investor prioritizing capital preservation.
The bedrock of any successful investment, especially in a sector relying on public trust like life insurance, is efficient capital allocation. LIC's impressive ROCE of 53.13% is a noteworthy data point. This high ROCE indicates that the company is generating significant returns on its invested capital. This strengthens its economic moat by enabling it to potentially reinvest profits at high rates, further cementing its market position and allowing it to absorb market fluctuations better than competitors. A high ROCE could also be used to drive down costs for policyholders, further reinforcing brand loyalty.
When evaluating LIC, it's prudent to consider its peers. For instance, comparing LIC to
Max Financial Services Ltd raises important questions about management quality and efficiency. While we don't offer investment advice, scrutinizing management's track record in navigating regulatory changes and adapting to evolving consumer preferences is crucial. Differences in expense ratios and claims settlement ratios, compared to peers like Canara HSBC and SBI Life Insurance Co Ltd, should be carefully evaluated to assess long-term sustainability.This analysis forms part of a comprehensive, 80-parameter fundamental audit of Life Insurance Corporation of India. The audit process includes verification by Sweta Mishra. Remember, this is an observational analysis and does not constitute investment advice. Investors should conduct their own thorough research and consult with a qualified financial advisor before making any investment decisions. The long-term viability of Life Insurance Corporation of India relies on its ability to maintain high ROCE, navigate competitive pressures, and continue to build trust with policyholders.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Life Insurance Corporation of India Fundamental Analysis & Valuation Benchmarking
Educational evaluation of LICI across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (45.72%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (53.13%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Attractive Valuation (P/E: 10.92 vs Industry: 83.91)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (30.66%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Profit Growth Track Record (77.68% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Cash Generation (₹152837.83 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
3 factors identified
Margin Pressure Concerns (3.13%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Limited Public Float (96.50% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 1.48%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
Life Insurance Corporation of India Financial Statements
Comprehensive financial data for Life Insurance Corporation of India including income statement, balance sheet and cash flow
About LICI (Life Insurance Corporation of India)
Life Insurance Corporation of India is an enduring institution woven into the fabric of Indian society, its name synonymous with financial security and peace of mind for generation...s. Emerging from the nationalization of the insurance sector, LIC embarked on a mission to extend the protective umbrella of life insurance to every corner of the nation. Its extensive network, reaching even the most remote villages, has made insurance accessible to a vast populace, fostering a culture of savings and long-term planning. Beyond mere policy sales, LIC has positioned itself as a trusted partner in its customers' life journeys, a steadfast presence offering financial solutions tailored to diverse needs and aspirations. LIC's repertoire extends across a wide spectrum of life insurance products, designed to cater to every stage of life and financial objective. From traditional plans providing guaranteed returns to market-linked options offering growth potential, LIC provides a versatile selection for individuals seeking varied risk appetites. The offerings go beyond basic protection, including provisions for retirement planning, children's education, and wealth creation, all within the framework of life insurance. With a keen focus on innovation and evolving customer needs, LIC continuously adapts its products and services to remain a relevant and reliable financial partner in a dynamic world. Furthermore, LIC's commitment transcends individual policies, encompassing a significant role in the realm of group insurance and social security. It provides schemes catering to organized and unorganized sectors, ensuring that even vulnerable populations have access to life cover and financial support. By partnering with employers and government entities, LIC extends its protective reach to a wider segment of society, contributing to national economic development and the welfare of its citizens. Beyond its core business, LIC actively engages in social initiatives, reinforcing its dedication to creating a positive impact on the communities it serves.
Company Details
Key Leadership
Corporate Events
Latest News
LICI Share Price: Frequently Asked Questions
What is the current share price of Life Insurance Corporation of India (LICI)?
As of 30 Mar 2026, 12:04 pm IST, Life Insurance Corporation of India share price is ₹725.65. The LICI stock has a market capitalisation of ₹5.58L (Cr) on NSE/BSE.
Is LICI share price Overvalued or Undervalued?
LICI share price is currently trading at a P/E ratio of 10.92x, compared to the industry average of 83.91x. Based on this relative valuation, the Life Insurance Corporation of India stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of LICI share price?
The 52-week high of LICI share price is ₹980.00 and the 52-week low is ₹737.05. These values are updated daily from NSE/BSE price data.
What factors affect the Life Insurance Corporation of India share price?
Key factors influencing LICI share price include quarterly earnings growth (Sales Growth: 4.50%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Life Insurance Corporation of India a good stock for long-term investment?
Life Insurance Corporation of India shows a 5-year Profit Growth of 77.68% and an ROE of 45.72%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing in LICI shares.
How does Life Insurance Corporation of India compare with its industry peers?
Life Insurance Corporation of India competes with major peers in the Life Insurance. Investors should compare LICI share price P/E of 10.92x and ROE of 45.72% against the industry averages to determine competitive standing.
What is the P/E ratio of LICI and what does it mean?
LICI share price has a P/E ratio of 10.92x compared to the industry average of 83.91x. Investors pay ₹11 for every ₹1 of annual earnings.
How is LICI performing according to Bull Run's analysis?
LICI has a Bull Run fundamental score of 64.3/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does LICI belong to?
LICI operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting Life Insurance Corporation of India share price.
What is Return on Equity (ROE) and why is it important for LICI?
LICI has an ROE of 45.72%, which indicates excellent management efficiency. ROE measures how efficiently Life Insurance Corporation of India generates profits from shareholders capital.
How is LICI debt-to-equity ratio and what does it indicate?
LICI has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk.
What is LICI dividend yield and is it a good dividend stock?
LICI offers a dividend yield of 1.36%, meaning you receive ₹1.36 annual dividend for every ₹100 invested in Life Insurance Corporation of India shares.
How has LICI share price grown over the past 5 years?
LICI has achieved 5-year growth rates of: Sales Growth 7.22%, Profit Growth 77.68%, and EPS Growth N/A%.
What is the promoter holding in LICI and why does it matter?
Promoters hold 96.50% of LICI shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Life Insurance Corporation of India.
What is LICI market capitalisation category?
LICI has a market capitalisation of ₹558084 crores, placing it in the Large-cap category.
How volatile is LICI stock?
LICI has a beta of N/A. A beta > 1 suggests the Life Insurance Corporation of India stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is LICI operating profit margin trend?
LICI has a 5-year average Operating Profit Margin (OPM) of 3.13%, indicating the company's operational efficiency.
How is LICI quarterly performance?
Recent quarterly performance shows Life Insurance Corporation of India YoY Sales Growth of 4.50% and YoY Profit Growth of 30.66%.
What is the institutional holding pattern in LICI?
LICI has FII holding of 0.13% and DII holding of 1.35%. Significant institutional holding often suggests professional confidence in the Life Insurance Corporation of India stock.