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Life Insurance Corporation of India (LICI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Life Insurance Corporation of India

LICIMarket cap $50BPrice $3.9

Country🇮🇳India

SectorFinancials

IndustryInsurance

Provides life insurance and financial services to 280 million Indians through the world's largest network of agents. Controls 60% of India's life insurance market and manages assets worth over $500 billion.

In Bastion Portfolios?

52W Return-61%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%4

Revenue Forecast

Rev CAGR (1y)+2%3

Rev CAGR (3y)+7%5

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1-49%2

EPS Growth Y+2+6%5

EPS Growth Y+3+35%9

Quality

Margins

EBIT Margin7%3

Net Income Margin7%4

Free Cash Flow Margin-3%2

Debt

Net Debt/EBITDA-1.110

Efficiency

ROE43%10

ROAna–

Earnings Stability77

GEAR+STRONG69

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)610

P/BV2.75

EV Multiples

EV/EBITDA Fwd89

EV/EBIT Fwd89

Yield

Free Cash Flow Yield0.0%10

Dividend Yield2.6%6

Momentum

Short term

1 month return-6%4

3 month return-10%3

YTD return-8%4

Mid term

Price vs 52wHigh83%6

1 year return-12%3

Long term

3 year return+25%4

5 year return-7%3

Risk Shield

Price Risk

Beta0.57

Volatility26%8

Free Cash Flow

Free Cash Flow Margin-3%2

Free Cash Flow Yield0.0%10

Quality

ROCE2%–

Earnings Stability77

Net Debt/EBITDA-1.110

02Growth

Is it actually growing, and how fast?

LICILife Insurance Corporation of India

Revenue FY26$105B

GROWTH RATING↗

AVERAGE42 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y+2%3

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-49%2

EPS growth, FY28E+6%5

EPS growth, FY29E+35%9

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 3%/yr over the last 3 years and is set to grow 7%/yr from here.

WATCH

A mid-pack grower, ahead of 42% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 7%/yr). One year dips: EPS falls 49% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

LICILife Insurance Corporation of India

Total return Current26.2%

Price return Current21.3%

MOMENTUM RATING↗

WEAK23 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-10%3

YTD return-8%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-12%3

3-year return+25%4

5-year return-7%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 12% over the past year, now 17% below its 52-week high. That is right in line with the market.

Returns sit at the market level over the past month (-6%) and so far this year (-8%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+25% over three years and -7.4% over five), behind 60% of the market.

The stock is underperforming over three months (-10%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on LIC India. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

LICILife Insurance Corporation of India

Revenue FY26$105B

GROWTH RATING↗

AVERAGE42 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y+2%3

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-49%2

EPS growth, FY28E+6%5

EPS growth, FY29E+35%9

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 3%/yr over the last 3 years and is set to grow 7%/yr from here.

WATCH

A mid-pack grower, ahead of 42% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 7%/yr). One year dips: EPS falls 49% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

LICILife Insurance Corporation of India

Total return Current26.2%

Price return Current21.3%

MOMENTUM RATING↗

WEAK23 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-10%3

YTD return-8%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-12%3

3-year return+25%4

5-year return-7%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 12% over the past year, now 17% below its 52-week high. That is right in line with the market.

Returns sit at the market level over the past month (-6%) and so far this year (-8%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+25% over three years and -7.4% over five), behind 60% of the market.

The stock is underperforming over three months (-10%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on LIC India. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community