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INVESTMENT INSIGHTS

Check Before You Invest : Life Insurance Corporation of India

BSE: 543526 NSE: LICI ISIN: INE0J1Y01017
  |   Sector:  BFSI   |   Industry:  Insurance

Snapshot

Q.1 Which industry/sub-sector does Life Insurance Corporation of India belong to?
Life Insurance Corporation of India belongs to the BFSI sector, operating specifically within the Insurance segment.
Q.2 Is Life Insurance Corporation of India a good quality company?
Life Insurance Corporation of India is a good quality company, based on a consistently good multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

Q.3 Is Life Insurance Corporation of India undervalued or overvalued?
Life Insurance Corporation of India appears Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 0-year
Historic Median
Price to Earnings 8.82 16.16
Price to Book 3.31 2.09
Price to Sales 0.94 11.97
EV to EBITDA 8.3 17.28
Q.4 Is Life Insurance Corporation of India a good buy now?
Life Insurance Corporation of India is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

C: How much debt does the business have and is it at a sustainable level?

Q.1 Debt to Equity ratio of Life Insurance Corporation of India?
Life Insurance Corporation of India Debt-to-Equity ratio is 0.00, which is in line with the industry average of , indicating similar to debt levels in the industry.

Q.2 Debt to cash flow from operations of Life Insurance Corporation of India?
Life Insurance Corporation of India Debt to cash flow from operations is 0, which is at a healthy level.

Ownership & governance

D: Promoter shareholding and pledge status of Life Insurance Corporation of India?

Q.1 Promoter shareholding and pledge status of Life Insurance Corporation of India?
Promoters hold 96.50% of the Life Insurance Corporation of India, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Life Insurance Corporation of India performance compare with that of its Peers?

Q.1 Revenue growth of Life Insurance Corporation of India vs industry peers?
Life Insurance Corporation of India revenue CAGR is %, compared to the industry median CAGR of 13.25%, indicating slower growth and losing its market share.
Profit Metrics
Current Level 0-year
Industry Median
Revenue Growth (%) - 13.3
Gross Profit Growth (%) 0 -
Operating Profit Growth (%) 0 -
Net Profit Growth (%) 18.4 -
Operating Efficiency
Current Level 0-year
Industry Median
Asset Turnover (x) 0.09 -
ROE (%) - -
ROCE (%) - -
Cash Conversion Cycle (days) - -

Valuation & price assessment

Q.1 Stock return of Life Insurance Corporation of India over the last decade?
Over the last 3 year(s), the stock has delivered a CAGR of 12.39% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 - - 12.4% -3.1%
Q.2 Valuation ratios of Life Insurance Corporation of India vs historical?
The current P/E ratio of 8.82 is lower than its historical median of 16.16, indicating that the stock is trading below its historical average valuation.
Q.3 How do the current valuation ratios compare with 0-year historical median and industry numbers?
Valuation Ratios Current 0-year
Historic Median		 0-year
Industry Median
Price to Earnings 8.82 16.16 -
Price to Book 3.31 2.09 -
Price to Sales 0.94 11.97 -
EV to EBITDA 8.3 17.28 -

Check more companies

1. Life Insurance Corp
2. SBI Life Insuran
3. HDFC Life Insurance

Check trending companies

1. Gillette India Ltd.
2. Tata Communications Ltd.
3. Granules India Ltd.
4. Nestle India Ltd.
5. National Aluminium Company Ltd.
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