Life Insurance Corporation Of India
Ticker: LICI
Decent
68/100
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Investing Reference
Price
898.95
Market Cap
568585.67
Debt/Equity
0.0000
ROE %
45.931
PB
4.4594
Promoter %
96.500
Pledge %
0.000
1Y Rev Growth %
3.795
5Y Rev Growth %
6.605
NP Margin %
5.408
NP Margin 5Y Avg %
3.138
Trading Reference
1M Return %
2.856
6M Return %
14.618
1Y Return %
-5.159
% Away 52W High
12.109
% Away 52W Low
25.675
Daily Volume
574962
Investment Verdict
Hold
Score 62/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 47/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Life Insurance Corporation Of India is currently trading near its support level, with a bullish trend indicated by the 50-day EMA crossing above the 200-day EMA. If the stock breaks above the resistance level, it could see a significant upside. However, if it falls below the support, there could be a downside risk.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Life Insurance Corporation of India (LIC) is a premier life insurance provider, catering to the financial security needs of millions of Indians. Established in 1956, LIC has built a legacy of trust and reliability, offering a range of insurance products tailored for individuals and families. Its commitment to customer satisfaction and extensive network ensures that policyholders receive unparalleled support. With a strong financial foundation, LIC plays a crucial role in safeguarding the future of its clients, making it a vital choice for anyone seeking peace of mind through life insurance.
- Established in 1956, LIC is India's largest life insurer.
- Offers a diverse range of insurance products for all ages.
- Strong financial stability and government backing.
- Extensive network of agents and branches across India.
- Commitment to customer service and satisfaction.
Investment Thesis
Life Insurance Corporation of India (LIC) stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. These factors position LIC as a compelling investment opportunity in the expanding insurance sector.
- Strong backing from the Government of India enhances credibility and trust.
- Significant growth potential in digital services catering to tech-savvy customers.
- Attractive valuation metrics compared to other players in the insurance sector.
- Established market leader with a vast distribution network and customer base.
- Focus on innovation and customer-centric products to drive future growth.
Opportunity vs Risk
Opportunities
- Growing middle-class demand for insurance
- Government support for insurance sector
- Expansion into rural markets
- Digital transformation enhancing services
Risks ⚠️
- Regulatory changes affecting profitability
- Intense competition in the industry
- Economic downturn impacting sales
- High claims ratio affecting margins
Peer Perspective
Life Insurance Corporation of India trades at a discount to peers like HDFC Life and SBI Life, necessitating improved margin stability and growth acceleration for potential rerating in the competitive insurance sector.
Future Outlook
Life Insurance Corporation of India is well-positioned for growth, driven by increasing demand for insurance products. However, successful execution of its strategic initiatives and effective cost control will be crucial for realizing its full potential.
AI FAQs for Retail Users
- Q: What does Life Insurance Corporation Of India do?A: It provides life insurance products and services to individuals and businesses in India.
- Q: Is LIC a government-owned company?A: Yes, LIC is a public sector insurance company owned by the Government of India.
- Q: How can I invest in LIC shares?A: You can invest in LIC shares through a stockbroker or an online trading platform.
- Q: What are the risks of investing in LIC?A: Like all stocks, LIC shares can be volatile and subject to market risks.
- Q: What is the dividend policy of LIC?A: LIC has a history of paying dividends, but future payments depend on company performance.
📊 Stock Investment Checklist (100 Points)
Life Insurance Corporation Of India • Updated: 2025-09-17 03:21:39
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10BusinessHighThe life insurance sector is growing, but LIC faces competition and regulatory challenges.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, with cash flow being stable but not exceptional.
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8ValuationHighP/E ratio is higher than peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is strong, but there are concerns about transparency.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity affecting price action.
Final Score & Verdict
Score 68 / 100
• Decent
LIC has potential due to its market position, but faces challenges in growth consistency and valuation.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 68/100