Unclassified · NSE: LICI
Life Insurance Corporation of India share analysis
Fair value, business quality, the case for and against, and the risks — computed by VestCall from reported data, updated 14 October 2026.
Life Insurance Corporation of India in one paragraph
Life Insurance Corporation of India (NSE: LICI) was trading at ₹395.05 on 14 October 2026. VestCall scores its business health 53/100 (adequate). On valuation, the price sits in the “Attractive Valuation” zone (₹391.25 – ₹395.52) — below the modelled fair-value range. This is a reading of the evidence, not a buy or sell recommendation.
- Share price₹395.05
- Business health53/100
- Growth52/100
- Financial strength51/100
- Valuation89/100 · Fair
- Valuation zoneAttractive Valuation
- RiskHigh
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Is Life Insurance Corporation of India overvalued or undervalued?
At ₹395.05, Life Insurance Corporation of India sits in VestCall’s “Attractive Valuation” zone (₹391.25 – ₹395.52): below the modelled fair-value range. Its valuation scores 89/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
| Valuation zone | Price band | What it means |
|---|---|---|
| Deeply Discounted | ₹364.02 – ₹391.25 | Furthest below the modelled fair-value range |
| Attractive Valuation (current) | ₹391.25 – ₹395.52 | Below the modelled fair-value range |
| Fairly Valued | ₹395.52 – ₹409.28 | Inside the modelled fair-value range |
| Valuation Premium | ₹409.28 and above | Above the modelled fair-value range |
The case for and against Life Insurance Corporation of India
What supports the case
- Shareholding Quality · 67/100.
- Management Stability · 67/100.
What needs proof
- Business Quality · 35/100.
- Financial Strength · 51/100.
- Growth · 52/100.
Life Insurance Corporation of India key ratios
| Ratio | Life Insurance Corporation of India | Unclassified median |
|---|---|---|
| P/E | 4.86x | — |
| P/S | 0.22x | — |
| Operating margin | 4.9% | — |
| Net margin | 4.9% | — |
| Current ratio | 4.17x | — |
Life Insurance Corporation of India growth
Growth scores 52/100, with a stable trend, measured Mar 2022 to Mar 2025.
| Measure | Reading |
|---|---|
| Revenue CAGR | -1.0% |
| Net profit CAGR | 12.3% |
| EPS CAGR | 127.1% |
| Revenue growth, latest year | -7.7% |
| Profit growth, latest year | -42.5% |
Life Insurance Corporation of India bull, base and bear case
Modelled annual return under three sets of stated assumptions over 5 years. These are model outputs, not a forecast or a promise of return.
| Scenario | Modelled CAGR | Weight | Assumption |
|---|---|---|---|
| Bear | −0.6% | 22% | Growth decelerates to 3.4% and the multiple de-rates toward the cohort's trough. |
| Base | +9.5% | 54% | Earnings compound near the measured 9.5% and the multiple drifts toward its quality-adjusted warranted level. |
| Bull | +16.9% | 24% | Growth holds at 13.4% and the market pays the full premium the measured quality supports. |
Risks to watch in Life Insurance Corporation of India
| Review trigger | Current | Threshold | Status |
|---|---|---|---|
| Revenue growth falls below the thesis floor | -0.99% | below 8% | high · breached |
| Promoter holding drops materially | 96.5% | below 93.5%, 3 points under the Mar 2026 filing | high · armed |
| Price runs more than two sigma above its own trend | 395.05 | at or above 621.19 | medium · armed |
| Drawdown from the 52-week high exceeds tolerance | 14.51% | at or beyond 25% | low · armed |
| Return on equity falls below the quality floor | ROE not reported | below 15% | high · unmeasurable |
| Leverage doubles from the level underwritten today | No leverage line in the balance sheet | unavailable | high · unmeasurable |
| Promoter pledge rises above tolerance | No pledge disclosed (the NSE filing for LICI could not be read either (nse_session_unavailable)) | above 10% | high · unmeasurable |
| Valuation reaches the top of its own cohort | No cohort multiple to rank against | at or above the 95th percentile | medium · unmeasurable |
An armed trigger is watched and has not fired; a breached one has.
How Life Insurance Corporation of India shares have traded
| Measure | Reading |
|---|---|
| 52-week range | ₹362.8 – ₹462.1 |
| Distance from 52-week high | −14.5% |
| Return, 3 months | −9.3% |
| Return, 12 months | −12.9% |
| Trend | Downtrend |
| Annualised volatility | 28.5% |
| Deepest drawdown, 2 years | −38.9% |
Questions about Life Insurance Corporation of India shares
Is Life Insurance Corporation of India overvalued or undervalued?
At ₹395.05, Life Insurance Corporation of India sits in VestCall’s “Attractive Valuation” zone (₹391.25 – ₹395.52): below the modelled fair-value range. Its valuation scores 89/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
Is Life Insurance Corporation of India fundamentally strong?
VestCall scores Life Insurance Corporation of India’s business health 53/100 (adequate). The strongest measured pillars are shareholding quality and management stability. The ones that need proof are business quality and financial strength. Each pillar is computed from reported financials, and a pillar whose inputs were not reported is excluded rather than scored as zero.
What is Life Insurance Corporation of India’s P/E ratio?
Life Insurance Corporation of India trades at a P/E of 4.86x, on VestCall’s latest read. A multiple only means something against the business it buys: the quality-adjusted fair value on this page weighs it against Life Insurance Corporation of India’s returns and growth.
What are the risks of investing in Life Insurance Corporation of India?
The review triggers VestCall watches for Life Insurance Corporation of India are: revenue growth falls below the thesis floor (revenue cagr below 8%); promoter holding drops materially (promoter holding below 93.5%, 3 points under the Mar 2026 filing); price runs more than two sigma above its own trend (price vs 200-day average at or above 621.19). On the fundamentals, business quality is the weakest measured pillar at 35/100. A trigger is a named condition that would change the reading, published so the case against the stock is as visible as the case for it.
Is this a recommendation to buy or sell Life Insurance Corporation of India?
No. VestCall states where Life Insurance Corporation of India’s price sits against modelled value, what supports the case and what would break it, with every figure sourced. It does not issue buy, sell or hold calls or price targets. Vestmind is not a SEBI-registered investment adviser or research analyst, and nothing on this page is personalised investment advice.
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