Life Insurance Corporation of India
Quality, valuation, momentum and financial trend all sit near 78/100 — no single factor dominates.
Buy zoneOur blended model reads Life Insurance Corporation of India as a Strong Buy at 78/100. At ₹423.9 it trades below our blended DCF and relative-multiples fair value of ₹847.8, about 100% upside to that estimate — we read it as undervalued by 100%. On 9.3x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 6% below its 52-week high of ₹451.49 and 20% above the low of ₹354.51. Financial health scores 76/100, with a Piotroski F-score of 4/9. The average analyst target of ₹532.58 implies about 26% upside across 24 analysts. It clears 10 of 12 investability checks, with durability 73, valuation 68 and momentum 78 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹678.24. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-6.11% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy78Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 40.8%
- Pass: Low debt (D/E < 0.5): 0.00x
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 15%
- Pass: Earnings growing: 33%
- Fail: Net margin ≥ 10%: 6.3%
- Pass: Current ratio > 1.5: 5.98
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter96.5%
- Institutions1.0%
- Public & other2.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Strong return on equity (40.8%).
- Lightly leveraged balance sheet.
Opportunities
- Earnings growing (33% YoY).
- Revenue growing (15% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
About Life Insurance Corporation of India
Life Insurance Corporation of India offers life insurance products across India, Fiji, Mauritius, and the United Kingdom. Its product portfolio includes endowment, whole life, term insurance, money back, and term assurance plans, along with riders for accidental death, disability, critical illness, and premium waiver benefits. The company also provides pension, unit linked, micro insurance, and health plans.
Life Insurance Corporation of India — frequently asked questions
Is Life Insurance Corporation of India a buy, hold or sell?
StocksWizard currently rates Life Insurance Corporation of India (LICI) a Strong Buy, based on a blended score of 78/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Life Insurance Corporation of India's fair value?
Our blended DCF and relative-valuation model estimates Life Insurance Corporation of India's fair value at about ₹847.8, versus a current price of ₹423.9 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Life Insurance Corporation of India financially healthy?
Life Insurance Corporation of India scores 76/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has Life Insurance Corporation of India's share price performed?
Life Insurance Corporation of India is up 9% over three months, and last traded at ₹423.9. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.