Life Insurance Corporation of India

LICINSE

Market snapshot · 2026-08-12 12:18 UTC

₹417.00

+₹11.00 (+2.71%)

MARKET CAP

₹2.64L Cr

STOCK P/E

8.8x

52W HIGH

₹468.48

52W LOW

₹360.75

BOOK VALUE

₹139.61

EPS

₹49.09

ROE

—

SECTOR

Consumer Staples

DEBT/EQUITY

0.43

VOLUME

2.09Cr

P/B RATIO

2.99x

PEG RATIO

0.21

Sector

Consumer Staples

Themes

FMCG - Personal Products

Dividend

Split

Earnings

AI Summary

✦ Clartha

Price Forecast

Current

₹417.00

High Target

₹675.00

▲ +61.9%

Median Target

₹520.00

▲ +24.7%

Low Target

₹388.00

▼ -7.0%

Price history (1Y)

Analyst target range

23 analysts

Probabilistic Range

Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.

Time horizonRange (₹)Probability

3M₹361.77 - ₹501.4980%

6M₹345.36 - ₹548.0880%

12M₹327.46 - ₹629.2380%

Realized vol: +25.5% · Drift: +11.7%

Revenue Forecast

₹ Cr

Jun '26Current₹2.4L

Sep 2026 ETrend estimate range

High₹2.9LBase₹2.7LLow₹2.5L

PastCurrentTrend estimate: Low / Base / High

EPS Forecast

₹ / share

Jun '26Current₹10.67

Sep 2026 ETrend estimate range

High₹10.78Base₹9.63Low₹8.47

PastCurrentTrend estimate: Low / Base / High

Market Intelligence

Multi-factor synthesis of 5 key dimensions

Overall Outlook

Neutral

58%

Analyst Consensus

Weakening

From 23 analysts

Mean upside+26.1%

Fundamentals

Strong

Fundamentals institutional score is 76 using growth durability 76.2.

Valuation

Premium valuation

Valuation institutional score is 32 using relative multiple z-scores where peer dispersion is available.

Analyst Consensus

Neutral

Analyst View institutional score is 68 using mean target upside 26.1%; dispersion penalty 21.8; recommendation breadth from available consensus.

Technical Structure

Mixed Momentum

Technicals institutional score is 46 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.

Market Sentiment

Neutral backdrop

Recent news flow is balanced or not decisive enough to tilt the tape. Based on 11 recent ticker-linked news items.

Signal Summary

Market intelligence remains Neutral. fundamentals and analyst consensus provide support, while valuation and technical structure remain considerations.

Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.

Fundamentals StrongValuation Premium valuationAnalyst Consensus NeutralTechnical Structure Mixed MomentumMarket Sentiment Neutral backdrop

Key Data Points

Mean Target Price525.8 target

Mean Upside+26.1%

Technical Score46%

Fundamental Score76%

Data CoverageHigh

Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.

Valuation Metrics

Trading 2.8% below historical median. Valuation is stable — currently in the undervalued zone (z-score: -0.09). Confidence: 87%.

Live forward EPS implies next-12-month EPS of ₹58.81. Applying the stock's normalized valuation corridor produces a fair range of ₹467.54 to ₹541.05, with base value near ₹513.41 (+23.1% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹58.81

Forward P/E

7.1x

Base Fair Value

₹513.41

Fair Range

₹467.54 - ₹541.05

Upside To Base

+23.1%

Estimate Source

Live forward EPS

Growth Estimate

+40.0%

P/B

5Y Average

1.92

Current

2.99

Overvalued

2.21

Undervalued

1.63

P/E

5Y Average

7.91

Current

8.49

Overvalued

9.20

Undervalued

7.95

P/S

5Y Average

0.25

Current

0.53

Overvalued

0.28

Undervalued

0.21

Peers & Comparison

Sector: Consumer Staples · Theme: FMCG - Personal Products

FMCG - Personal Products Business Peers8 peers

Avg P/E: 33.4x

Company	Rev. Growth	Margin	P/E	vs Avg	52W Perf.
DABUR INDIA LTD DABURFMCG - Personal Products	+10.6%	14.6%	36.7x Fair	+10% vs avg	-17.9%
GODREJ CONSUMER PRODUCTS GODREJCPFMCG - Personal Products	+15.4%	12.1%	48.7x Premium	+46% vs avg	-13.8%
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium	+32.1%	5.5%	14.7x Undervalued	-56% vs avg	+57.3%
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals	-5.6%	10.0%	28.9x Fair	-13% vs avg	-1.3%
HCL TECHNOLOGIES LTD HCLTECHIT Services & Consulting	+3.0%	13.0%	21.0x Undervalued	-37% vs avg	-8.9%
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers	+64.0%	16.3%	27.9x Undervalued	-16% vs avg	+42.5%
EICHER MOTORS LTD EICHERMOTTrucks & Buses	+31.5%	23.2%	38.1x Fair	+14% vs avg	+41.4%
BSE LIMITED BSEStock Exchanges & Ratings	+64.0%	48.9%	51.1x Premium	+53% vs avg	+52.2%

FMCG - Personal Products Theme Peers4 peers

Avg P/E: 46.2x

Company	Rev. Growth	Margin	P/E	vs Avg	52W Perf.
DABUR INDIA LTD DABURFMCG - Personal Products	+10.6%	14.6%	36.7x Undervalued	-21% vs avg	-17.9%
GODREJ CONSUMER PRODUCTS GODREJCPFMCG - Personal Products	+15.4%	12.1%	48.7x Fair	+5% vs avg	-13.8%
COLGATE PALMOLIVE LTD. COLPALFMCG - Personal Products	+11.8%	21.7%	40.6x Fair	-12% vs avg	-8.8%
MARICO LIMITED MARICOFMCG - Personal Products	+21.4%	13.2%	58.8x Premium	+27% vs avg	+20.4%

WHY THESE PEERS

LIFE INSURA CORP OF INDIA trades at a discount (8.5x vs peer avg 33.4x), suggesting potential undervaluation relative to the Fmcg - Personal Products cohort. Peers include DABUR INDIA LTD, GODREJ CONSUMER PRODUCTS, HINDALCO INDUSTRIES LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹2.39L CrJun 2026

Latest net profit

₹13.49K CrJun 2026

Latest EPS

₹10.67Jun 2026

Net margin

6.0%Jun 2026

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %

Revenue
Net income
Net margin %

Earnings

Revenue is shown in crores. EPS is rupees per share.

Rs crore + Rs/share

Revenue
EPS

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore

Debt free

Free cash flow
Cash & equivalents

Results

Metric	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales +	189,300	202,221	213,345	238,092	211,129	230,331	202,823	242,479	223,917	240,690	235,467	276,206	239,145
Expenses +	178,435	193,379	202,681	236,544	200,036	222,354	190,839	220,987	212,060	230,144	221,386	265,005	225,209
Operating Profit	10,866	8,842	10,664	1,548	11,093	7,977	11,985	21,492	11,857	10,546	14,080	11,200	13,936
OPM %	6%	4.4%	5%	0.7%	5%	3.5%	6%	9%	5%	4.4%	6%	4.1%	6%
Other Income +	77	248	163	14,205	957	746	766	907	733	987	762	3,114	1,246
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	10,943	9,090	10,827	15,753	12,050	8,723	12,751	22,399	12,590	11,534	14,843	14,314	15,182
Tax %	13%	13%	13%	13%	13%	13%	13%	15%	13%	13%	13%	-64%	11%
Net Profit +	9,544	7,925	9,444	13,763	10,461	7,621	11,056	19,013	10,987	10,053	12,958	23,420	13,492
EPS in Rs	7.54	6.26	7.47	10.88	8.27	6.02	8.74	15.03	8.68	7.95	10.24	18.51	10.67
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

Holder	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters +	96.50%	96.50%	96.50%	96.50%	96.50%
FIIs +	0.11%	0.13%	0.20%	0.31%	0.44%
DIIs +	1.37%	1.35%	1.33%	1.27%	0.99%
Public +	2.02%	2.03%	1.96%	1.90%	2.06%
Others	—	—	0.01%	0.02%	0.01%

Jun 2026

Promoters +

FIIs +

DIIs +

Public +

Others

Events Timeline

Annual Report FY26

FY2026PDFCompany Reports Open

Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011

Aug 10, 2026PDFCompany Reports Open

Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011

Aug 07, 2026PDFCompany Reports Open

Disclosure Under Regulation 7(2)(B)

Aug 07, 2026PDFCompany Reports Open

Launch New Product

Aug 07, 2026PDFCompany Reports Open