LIC of India Intrinsic Value
LIC of India (LICI) median intrinsic value is ₹842.60 from 9 valuation models (range ₹280–₹1264), vs current price ₹421.30 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Analyse LICI shareholding pattern to track promoter, FII and institutional holdings.
LICI Valuation Methods Summary — DCF, Graham Number & P/E
LIC of India intrinsic value across 9 models vs current price ₹421.30 — upside/downside and value range per method. Read LICI dividend growth for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1263.90 | ₹1011.12 - ₹1516.68 | +200.0% | EPS: ₹148.40, Sector P/E: 12x |
| Book Value Method | asset | ₹279.66 | ₹251.69 - ₹307.63 | -33.6% | Book Value/Share: ₹279.66, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹842.60 | ₹758.34 - ₹926.86 | +100.0% | Revenue/Share: ₹1063.92, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹389.67 | ₹311.74 - ₹467.60 | -7.5% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹949.76 | ₹854.78 - ₹1044.74 | +125.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹1222.82 | ₹1100.54 - ₹1345.10 | +190.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹842.60 | ₹758.34 - ₹926.86 | +100.0% | ROE: 53.1%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹559.31 | ₹503.38 - ₹615.24 | +32.8% | EPS: ₹148.40, BVPS: ₹279.66 |
| Dividend Yield Method | dividend | ₹285.71 | ₹257.14 - ₹314.28 | -32.2% | DPS: ₹10.00, Target Yield: 3.5% |
LICI Intrinsic Value vs Market Price — All Valuation Models
LIC of India fair value range ₹280–₹1264 vs current market price ₹421.30 across 9 valuation models. For current market price and key ratios, visit LIC of India screener.
LICI Intrinsic Value Analysis — Undervalued or Overvalued?
LIC of India median intrinsic value ₹842.60, current price ₹421.30 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of LICI?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of LIC of India (LICI) is ₹842.60 (median value). With the current market price of ₹421.30, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹279.66 to ₹1263.90, indicating ₹279.66 - ₹1263.90.
Is LICI undervalued or overvalued?
Based on our multi-method analysis, LIC of India (LICI) appears to be trading below calculated value by approximately 100.0%.
LICI Financial Health — Key Ratios vs Industry Benchmarks
LIC of India financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 53.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | -61.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.11x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
LICI Cash Flow Quality — Operating & Free Cash Flow
LIC of India operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-26,212 Cr | ₹-26,212 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-9,721 Cr | ₹-9,721 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 |