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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

Life Insurance Corporation of India

LICI · NSE · Financial Services

₹405.7
+6.35 (+1.59%)
Our verdict
Strong Buy75/100
Quality66
Valuation94
Momentum50
Financial trend85
Intrinsic value
Our fair value
₹694.07
Undervalued by 71%
Price ₹405.7Range ₹589.96₹798.18

With a 20% margin of safety, our buy-below price is ₹555.26.

B
Financial health 77/100
From profitability & returns (bank/NBFC)

Piotroski F-score 4/9 — quality of earnings & balance sheet.

Investability checklist

Passed 8 of 11 checks73/100
  • ROE above 15%42.4%
  • Low debt (D/E < 0.5)
  • Positive free cash flow
  • Revenue growth > 10%15%
  • Earnings growing56%
  • Net margin ≥ 10%6.6%
  • Current ratio > 1.55.95
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 74/9

1-year price

EOD · 2026-06-15
1W
+2.6%
1M
+1.5%
3M
+1.9%
6M
-5.5%
1Y

Our scores

Durability66
Valuation88
Momentum50
Analyst consensus target ₹525.4 (+30%) · 24 analysts

Key fundamentals

Market cap
₹5.13 L Cr
P/E ratio
8.9
P/B ratio
2.11
EPS (TTM)
₹45.41
ROE
42.4%
Debt / Equity
Profit margin
6.6%
Free cash flow
₹4,031 Cr
52-week high
₹480.03
-15.49% from high
52-week low
₹362.83
Dividend yield
2.5%
Beta
0.56

SWOT snapshot

Strengths

  • Strong return on equity (42.4%).

Weaknesses

  • Price below its 200-day moving average (downtrend).

Opportunities

  • Earnings growing (56% YoY).
  • Revenue growing (15% YoY).
  • Trading in our value buy zone versus sector peers.
  • Trades ~71% below our estimated fair value.

About Life Insurance Corporation of India

Life Insurance Corporation of India provides life insurance products in India, Fiji, Mauritius, and the United Kingdom. It offers insurance plans, including endowment, whole life, term insurance plans, money back, and term assurance plans, as well as riders comprising accidental death and disability benefit, critical illness benefit, and premium waiver benefit riders. The company also provides pension, unit linked, micro insurance, withdrawal, and health plans, as well as var

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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.