Life Insurance Corporation of India Ltd, Fundamental analysis

Life Insurance Corporation of India Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Insurance
Variance Full Year Net Profit Variance	19
Equity Latest Equity	12650
Face Value Latest Face Value	10
Reserves Total Reserve	164905.89
Dividend Full Year Dividend %	100
Sales Turnover Full Year Net Sales	1048110.98
Net Profit Full Year Net Profit	57030.88
Full Year CPS Full Year Cash Per Share	45.6
Earning Per Share Full Year Earning Per Share	45.1
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	168232.83
Previous EPS Previous earnings per share	0
Book Value Book value	140.4
Networth Full Year Return on Networth	37.66
Price/Book Value Price to Book value	2.998576
Yearly PE ratio Full Year Price to Earning per share	9.3
Yearly PC ratio Full Year Price to Cash Per Share	9.2
Bse value BSE Value in lakhs	449.82
Nse value NSE Value in lakhs	3627.43
High 52 week high	468
Low 52 week low	361
Price NSE Current market price	421
CPM Current market price	421

Market cap BSE / NSE Market Cap	533007.56
Net profit Latest Quarter Net Profit	23467.18
Net profit variance Latest Quarter Net Profit variance	23
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	521257.2
TTM OP Trailing Twelve 12 month Operating Profit	-422.27
TTM OPM Trailing Twelve 12 month Operating Profit Margin	-0.08
TTM GP Trailing Twelve 12 month Gross Profit	54182.18
TTM GPM Trailing Twelve 12 month Gross Profit Margin	5.51
TTM NP Trailing Twelve 12 month Net Profit	41523.59
TTM NPV Trailing Twelve 12 month Net Profit Variane	18.9
TTM EPS Trailing Twelve 12 month EPS	45.42
TTM PE Trailing Twelve 12 month PE	9.28
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	12650
LTP Latest Price (BSE/NSE)	421
Gross block Latest Gross Block	33673.24
Loans Total loans	0
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	5.1
Year GPM Full Year Gross Profit Margin	5.1
Quarter OPM Latest quater Operation Profit Margin	8.6

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	114,230	120,326	107,302	147,917	119,618	126,930	125,988	165,067
YOY Sales Growth %	16%	12%	-9%	-3%	5%	5%	17%	12%
Gross Sales	114,230	120,326	107,302	147,917	119,618	126,930	125,988	165,067
Other Operating Income	97,722	110,806	96,449	95,217	105,053	114,594	109,966	111,677
+ Expenses	104,458	113,738	95,369	126,403	109,145	117,438	113,622	153,845
Manufacturing Cost %	171%	181%	172%	147%	175%	177%	173%	155%
Employee Cost %	6%	6%	6%	4%	5%	6%	5%	5%
Other Cost %	-86%	-93%	-90%	-65%	-88%	-91%	-88%	-68%
Other Manufacturing Expenses %	171%	181%	172%	147%	175%	177%	173%	155%
Selling & Administration %	0%	0%	0%	0%	0%	0%	0%	-0%
Provisions & Contingencies %	-0%	-1%	0%	-1%	-0%	-0%	-0%	0%
Operating Profit	9,773	6,588	11,934	21,514	10,474	9,492	12,366	11,222
OPM %	9%	5%	11%	15%	9%	7%	10%	7%
+ Other Income	1,001	794	818	954	780	1,044	822	3,166
Miscellaneous Income	1,001	794	818	954	780	1,044	822	3,166
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	10,774	7,382	12,752	22,468	11,253	10,537	13,188	14,388
+ Tax %	15%	16%	14%	15%	15%	14%	15%	-63%
Current Tax	1,629	1,145	1,743	3,429	1,645	1,525	1,931	-9,079
+ Net Profit	10,527	7,723	11,009	19,039	10,955	10,096	12,908	23,467
Profit / Loss of Associates	1,383	1,486	0	0	1,347	1,084	1,651	0
Minority Interest (After Tax)	17	6	0	0	2	3	23	0
Net Profit After Minority Interest	10,544	7,729	11,009	19,039	10,957	10,098	12,930	23,467
EPS in Rs	16.67	12.22	17.40	30.10	17.32	15.97	20.44	37.10

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	492,068	522,848	571,508	628,043	690,914	723,606	784,628	845,966	889,970	977,772
Sales Growth %		6%	9%	10%	10%	5%	8%	8%	5%	10%
Gross Sales						429,501	476,166	476,831	489,775	537,604
Other Operating Income						294,189	308,671	369,135	400,195	441,290
+ Expenses	483,728	513,419	565,587	634,989	691,166	722,947	754,182	816,663	840,090	933,828
Manufacturing Cost %	88%	88%	91%	92%	92%	94%	91%	90%	89%	90%
Employee Cost %	4%	4%	3%	4%	4%	4%	5%	5%	3%	3%
Other Cost %	6%	6%	4%	5%	4%	1%	-0%	1%	2%	2%
Power & Fuel %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Other Manufacturing Expenses %	88%	88%	91%	92%	92%	94%	91%	90%	89%	90%
Selling & Administration %	5%	5%	1%	1%	3%	1%	1%	1%	1%	1%
Miscellaneous Expenses %	1%	1%	3%	4%	1%	-0%	-2%	0%	0%	1%
Provisions & Contingencies %						-1%	-2%	-0%	-0%	-0%
Operating Profit	8,339	9,429	5,921	-6,947	-252	659	30,446	29,304	49,880	43,944
OPM %	2%	2%	1%	-1%	-0%	0%	4%	3%	6%	4%
+ Other Income	607	801	2,615	20,870	12,820	9,248	7,800	14,829	3,495	5,421
Miscellaneous Income						9,227	7,920	14,861	3,567	5,812
Interest	47	46	0	0	0	0	0	0	0	0
Depreciation	326	302	336	379	417	436	466	466	506	707
Profit before tax						9,907	38,245	44,132	53,376	49,366
+ Tax %						81%	14%	14%	15%	-8%
Current Tax	6,342	7,436	5,572	10,834	9,177	8,013	5,466	6,098	7,947	-3,978
+ Net Profit						1,894	32,779	38,095	45,429	53,343
Profit Growth %							1631%	16%	19%	17%
Net Profit After Minority Interest	0	0	2,627	2,710	2,974	4,125	35,997	40,916	48,320	57,453
EPS in Rs			262.74	271.05	297.41	6.52	56.91	64.69	76.40	90.84

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	100	100	100	100	100	6,325	6,325	6,325	6,325	6,325
Reserves	506	550	710	902	6,784	5,012	39,908	76,422	120,901	170,280
+ Borrowings	0	0	269,401	253,414	4	1	0	0	0	0
Unsecured Borrowings	0	0	269,401	253,414	4	1	0	0	0	0
+ Other Liabilities	2,469,048	2,741,589	3,157,039	3,245,419	3,822,637	4,242,719	4,532,258	5,233,300	5,533,342	5,771,951
Current Liabilities	42,799	53,374	60,915	85,660	83,120	71,523	59,625	63,795	48,979	39,025
Provisions	17,143	17,195	20,632	20,628	14,948	14,948	14,946	14,946	14,946	1
Minority Interest	0	0	88	96	99	120	117	153	278	276
Other liability items	2,528,540	2,790,965	3,096,037	3,159,663	3,739,418	4,171,076	4,472,517	5,169,353	5,484,085	5,732,650
Total Liabilities	2,469,655	2,742,240	3,427,249	3,499,834	3,829,524	4,254,058	4,578,491	5,316,047	5,660,568	5,948,556
+ Fixed Assets	2,403	2,574	25,194	28,216	17,723	17,770	20,473	20,667	21,330	28,335
Gross Block	4,869	5,181	31,054	33,823	21,276	21,684	24,664	25,137	26,140	33,673
Accumulated Depreciation	2,466	2,607	5,860	5,607	3,554	3,914	4,191	4,470	4,809	5,338
CWIP	182	175	710	734	148	199	331	403	326	419
Investments	2,335,631	2,604,269	2,900,287	2,976,100	3,517,445	3,926,211	4,243,008	4,976,133	5,298,429	5,556,359
+ Other Assets	131,438	135,222	501,059	494,784	294,208	309,878	314,678	318,844	340,483	363,444
Cash Equivalents	32,729	22,681	67,900	63,153	36,078	44,724	45,499	41,824	69,885	72,013
Loans n Advances	98,709	112,541	183,279	194,196	149,366	154,120	152,174	155,275	141,636	160,181
Other asset items	0	0	249,880	237,435	108,764	111,034	117,005	121,745	128,961	131,249
Total Assets	2,469,655	2,742,240	3,427,249	3,499,834	3,829,524	4,254,058	4,578,491	5,316,047	5,660,568	5,948,556

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	70,555	67,931	13,274	54,367	80,602	-3,783	54,519	26,548	-9,721	-26,211
Direct Taxes Paid	0	0	-16,319	-8,726	11,176	-7,374	5,825	5,689	396	-5,559
+ Cash from Investing Activity	-78,249	-75,610	9,636	-40,415	148,447	12,531	-52,848	-25,695	41,408	36,693
Purchase of Fixed Assets	0	-571	-2,546	-1,120	-1,076	-717	-886	-768	-777	-1,116
Sale of Fixed Assets	333	267	553	200	7,239	620	344	55	62	146
Purchase of Investments	-238,137	-405,017	-316,629	-426,193	-499,555	-427,781	-543,739	-576,463	-575,514	-627,094
Sale of Investments	0	156,000	133,824	152,516	274,807	190,388	224,908	261,904	307,792	330,047
Interest Received	159,554	176,917	0	0	0	0	268,931	0	0	0
Dividend Received	0	0	199,144	231,231	248,888	250,560	0	0	0	0
Others	0	-3,205	-4,710	2,952	118,144	-539	-2,406	289,577	309,844	334,709
+ Cash from Financing Activity	-2,497	-2,370	-13,700	-18,664	-256,125	0	-949	-4,427	-3,794	-7,626
Repayment of Long-Term Borrowings	0	0	-14,263	-15,987	-253,410	0	0	0	0	0
Dividend Paid	-2,497	-2,370	563	-2,677	-2,716	0	-949	0	0	0
Interest Paid			0	0	0	0	0	-4,427	-3,794	-7,626
Net Cash Flow	-10,191	-10,049	9,211	-4,712	-27,077	8,748	722	-3,574	27,893	2,856