LIC of India Intrinsic Value
LICI Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹766.56 | ₹613.25 - ₹919.87 | -9.8% | EPS: ₹63.88, Sector P/E: 12x |
| Book Value Method | asset | ₹201.59 | ₹181.43 - ₹221.75 | -76.3% | Book Value/Share: ₹201.59, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹647.46 | ₹582.71 - ₹712.21 | -23.8% | Revenue/Share: ₹809.32, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹389.67 | ₹311.74 - ₹467.60 | -54.2% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹408.83 | ₹367.95 - ₹449.71 | -51.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹526.37 | ₹473.73 - ₹579.01 | -38.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1021.57 | ₹919.41 - ₹1123.73 | +20.2% | ROE: 31.7%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹403.17 | ₹362.85 - ₹443.49 | -52.6% | EPS: ₹63.88, BVPS: ₹201.59 |
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Valuation Comparison Chart
LICI Intrinsic Value Analysis
What is the intrinsic value of LICI?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of LIC of India (LICI) is ₹526.37 (median value). With the current market price of ₹850.05, this represents a -38.1% variance from our estimated fair value.
The valuation range spans from ₹201.59 to ₹1021.57, indicating ₹201.59 - ₹1021.57.
Is LICI undervalued or overvalued?
Based on our multi-method analysis, LIC of India (LICI) appears to be trading above calculated value by approximately 38.1%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.04 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 44.01 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 31.7% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | -83.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for LIC of India
Additional stock information and data for LICI
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-9,145 Cr | ₹-9,145 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹26,548 Cr | ₹13,701 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹54,519 Cr | ₹28,095 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-3,783 Cr | ₹-3,783 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹80,602 Cr | ₹80,602 Cr | Positive Free Cash Flow | 8/10 |