Life Insura Corp Of India

LICI NSE Financial Services Life Insurance
Nifty 500 Midcap 150 LargeMid 250 F&O
₹404.10
-0.37%
Delayed · cached 15 min

Fair value analysis

LICI
Life Insura Corp Of India
Financial Services›Life Insurance
₹405.60
Close used for this calculation
₹881.18Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
65/100
Profitability17/25
Returns16/25
Balance Sheet9/25
Efficiency23/25
Growth20/25
Strong
Quality radar
65Prof.17/25Ret.16/25Eff.23/25B.Sht9/25Growth20/25

Consensus fair value

₹881.18
Below FV
▲ +117.3% against the close used
Model range ₹387.53 – ₹2,800.14
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹387.53Fair value₹881.18Bull₹2,800.14
FairClose
52-week traded range
52W low ₹362.8352W high ₹462.08

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Life Insura Corp Of India closed at ₹405.60, 54.0% below the consensus fair value of ₹881.18 drawn from 10 valuation models.

Financial DNA score 65/100 — Strong. P/E of 8.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹901.54
+122.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹387.53
-4.5%
√(22.5 × EPS × BVPS)
EPS=45.42, BVPS=146.96 · outside Graham range (P/E 8.5, P/B 2.8) — asset-light, treat as a rough floor
Graham Formula
₹1,784.03
+339.9%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=16.9%, FD=7%
P/E Fair Value
₹2,800.14
+590.4%
EPS × 61.65x (sector P/E)
EPS=45.42, Sector P/E=61.65x
Peter Lynch (PEG)
₹767.60
+89.2%
EPS × Growth% (PEG = 1 is fair)
EPS=45.42, g=16.9%
EV/EBITDA
₹706.51
+74.2%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=494.68B
Dividend Discount (DDM)
₹540.99
+33.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=10.02, r=10%, g=8%
Book Value (P/B)
₹1,168.30
+188.0%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=146.96, ROE=37.8%, g=6%, r=10%
Reverse DCF
₹405.60
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -3.9% | Historical: 16.9%
Margin of Safety
₹1,101.23
+171.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=1468.31, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.