Insurance · NSE: LICI
Intrynsic's multi-model valuation estimates Life Insurance Corporation Of India's fair value at ₹651 per share (range ₹651–₹651) against a market price of ₹390 - a gap of +67.0% (updated 29 September 2026). This is an estimated fair value based on stated assumptions, not investment advice.
Market price
₹390
close of 29 Sept 2026
Est. fair value
₹651
₹651–₹651
Gap
+67.0%
price vs estimate
Trading ~67% below our estimated fair-value range. Assumptions and per-model workings are below.
Life Insurance Corporation of India is the country's largest life insurer, majority-owned by the government, with a vast agent network. Its profit depends on how much of the premium and investment income it retains after paying policyholders.
Insurance · Insurance
Over the last 3 years, revenue grew 7.6%/yr and profit grew 16.9%/yr.
Every ₹100 of shareholder money earned ₹32.5 in profit last year, vs a sector median of 9.9%.
Borrowing is core to a lender's business model — judge it on profitability and consistency instead.
The market price is below our estimated fair-value range (based on stated assumptions).
Returns on equity varied by about 16.5 percentage points over the last 5 years — volatile.
Intrynsic values Life Insurance Corporation Of India with 2 independent models and blends them into one estimated fair-value range. Every number below is an estimate based on the stated assumptions - change the assumptions and the estimate changes.
| Model | Estimated value | vs price | Weight |
|---|---|---|---|
| P/B + Excess ReturnBank Net Worth Method | ₹651 | +67% | - |
| DDMDividend Discount Method | ₹64 | -84% | - |
Reverse DCF: today's market price implies the company must grow free cash flow about 0.8% a year for the next decade - versus 7.8% historical revenue growth.
| Revenue | ₹9,77,772 Cr | |
| Net profit | ₹57,453 Cr | |
| EPS | ₹45.42 | |
| Free cash flow | ₹-27,327 Cr | |
| ROE (latest) | 32.5% | |
| Revenue growth (CAGR) | 7.9% | |
| Profit growth (CAGR) | 43.5% |
Intrynsic's multi-model valuation estimates Life Insurance Corporation Of India's fair value at ₹651 per share (range ₹651–₹651), last updated 29 September 2026. This is an estimate based on stated assumptions, not investment advice.
Life Insurance Corporation Of India trades at ₹390 against Intrynsic's estimated fair value of ₹651 - the market price is 67% below the estimate, i.e. below our estimated fair-value range. Different assumptions produce different estimates; see the model breakdown above.
Life Insurance Corporation Of India trades at about 8.6 times its latest annual earnings per share.
Life Insurance Corporation of India is the country's largest life insurer, majority-owned by the government, with a vast agent network. Its profit depends on how much of the premium and investment income it retains after paying policyholders.
Intrynsic runs 2 valuation models for Life Insurance Corporation Of India (P/B + Excess Return, DDM) and blends them into one estimated fair-value range. Every assumption - growth, discount rate, terminal value - is shown openly on this page.
Disclaimer: Intrynsic provides educational and informational analysis only. Fair-value figures are estimates based on stated assumptions - they are not investment advice, research recommendations, or an offer to transact in any security. Intrynsic is not a SEBI-registered investment adviser or research analyst. Markets carry risk; please do your own research or consult a registered adviser before making investment decisions. Prices shown may be delayed end-of-day values. Terms · Privacy