ScoreWhy is Life Insurance Corporation of India ?
1
Company has a low Debt to Equity ratio (avg) at 0 times
2
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 10,579.30 cr has Fallen at -20.7% (vs previous 4Q average)
- PAT(Q) At Rs 10,098.48 cr has Fallen at -17.1% (vs previous 4Q average)
3
With ROE of 36, it has a Very Attractive valuation with a 3.9 Price to Book Value
- Over the past year, while the stock has generated a return of -11.04%, its profits have risen by 22.9% ; the PEG ratio of the company is 0.5
4
Majority shareholders : Promoters
5
Below par performance in long term as well as near term
- Along with generating -11.04% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
6
With its market cap of Rs 5,54,544 cr, it is the second biggest company in the sector (behind Bajaj Finance)and constitutes 9.89% of the entire sector
- Its annual Sales of Rs 913,081.59 are 39.30% of the industry
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Life Insurance should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Life Insurance for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Life Insurance
-11.04%
-0.48
22.88%
Sensex
4.83%
0.41
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.72%
EBIT Growth (5y)
38.54%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Net Debt is too low
Net Debt to Equity (avg)
-0.40
Sales to Capital Employed (avg)
20.30
Tax Ratio
12.93%
Dividend Payout Ratio
15.46%
Pledged Shares
0
Institutional Holding
1.48%
ROCE (avg)
441.94%
ROE (avg)
53.21%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
23
Price to Book Value
3.88
EV to EBIT
8.84
EV to EBITDA
8.84
EV to Capital Employed
5.77
EV to Sales
0.54
PEG Ratio
0.47
Dividend Yield
NA
ROCE (Latest)
65.29%
ROE (Latest)
36.00%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
PAT(9M)
At Rs 40,094.20 cr has Grown at 24.85%
-5What is not working for the Company
PBT LESS OI(Q)
At Rs 10,579.30 cr has Fallen at -20.7% (vs previous 4Q average
PAT(Q)
At Rs 10,098.48 cr has Fallen at -17.1% (vs previous 4Q average
Loading Valuation Snapshot...
Here's what is not working for Life Insurance
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 10,579.30 cr has Fallen at -20.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 13,337.45 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 10,098.48 cr has Fallen at -17.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 12,183.26 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
Highest at Rs 1,044.31 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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