BSE: LICI - Life Insurance Corporation of India

Yield per half year: -28.02%
Dividend yield: +1.09%
Sector: Financials

Reporting Life Insurance Corporation of India

Capitalization

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Выручка, млрд ₹	6 248.16	6 864.26	7 318.82	7 968.75	8 479.25	8 479.25	7375.85	6.30
Чистая прибыль, млрд ₹	31.71	41.32	41.25	359.97	409.16	409.16	176.68	66.78
EV, млрд ₹	56.62						56.62	0.00
EBIT, млрд ₹	160.49	50.75	0.2084	368.3		368.3	144.94	23.08
Баланс стоимость, млрд ₹	10.02	68.84	113.38	462.33	827.47	827.47	296.41	141.76
FCF, млрд ₹	532.47	795.26	-44.99	536.32	253.54	253.54	414.52	-13.79
Операционный денежный поток, млрд ₹	543.67	806.02	-37.83				437.29	-141.13
Операционные расходы, млрд ₹	6 343.9	6 814.01	7 277.11	7 608.75	4 657.34	4 657.34	6540.22	-5.99
CAPEX, млрд ₹	11.2	10.76	7.17	8.86	7.68	7.68	9.13	-7.27

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹		1 658	2 189.21	2 010.86	2 111.19	1 925.28	2 029.88	2 138.76	2 385.39	2 119.26	2 316.98	2198.05	2.68
Чистая прибыль, млрд ₹		6.03	158.54	83.49	131.91	96.35	80.3	94.69	137.82	105.44	77.29	99.11	-0.76
EBIT, млрд ₹			212.36	106.79		82.93						134.03	-26.91
Баланс стоимость, млрд ₹	113.38		268.51		462.33		620.53		827.47		976.37	631.04	29.46
FCF, млрд ₹	56.69											56.69	0.00
Операционные расходы, млрд ₹		1 651.75	2 031.74	1 967.04	1 979.69	1 827.74	1 948.61	2 042.44	-1 217.1	2 008.85	2 239.63	1404.49	2.82
CAPEX, млрд ₹	3.12											3.12	0.00

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	523.38	292.27	447.24	454.99	418.24	418.24	427.22	-4.39
Short Term Investments ₹	117.97	305.4	287.62	209.27	434.75	434.75	271.00	29.81
Long term investments ₹	29 439.3	34 844.7	39 166.52	42 336.5			36446.75	9.51
Total Receivables ₹	143.81	98.21	106.06	152.75	150.61	150.61	130.29	0.93
Total Current Assets ₹	2 573.49	1 853.2	2 001.25				2142.65	-8.04
Чистые активы, млрд ₹	107.17	34.47	35.49				59.04	-30.82
Активы, млрд ₹	34 998.34	38 295.24	42 540.59	45 784.91	53 160.47	53 160.47	42955.91	8.72
Long Term Debt ₹	580.01	0.0367	0.0129				193.35	-97.19
Задолженность, млрд ₹	34 987.36	38 225.41	42 426	45 321.41	52 331.48	52 331.48	42658.33	8.39
Чистый долг, млрд ₹	56.62						56.62	0.00
Interest income ₹	2 220.5	2 395.65	2 538.38	2 761.18			2478.93	5.60
Расходы на обслуживание долга ₹	133.46	89.81	0.867	0.7743	1.28	1.28	45.24	-60.52
Чист. проц. доходы, млрд ₹	17.2	12.19	-0.867	-0.7743	3 012.73	2 761.18	608.10	180.99
Goodwill ₹	33.28						33.28	0.00
Товарно материальные запасы ₹	0.684	0.7338	0.7253	0.634	0.5755	0.5755	0.6705	-3.40

	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹	447.24	285.5	309.02	371.87	361.65	293.9	324.39	0.58
Short Term Investments ₹			209.27		434.75		322.01	44.13
Long term investments ₹	39 166.52	41 253.83	42 166.82	45 763			42087.54	3.97
Total Receivables ₹			152.75		150.61		151.68	-0.70
Total Current Assets ₹		1 681.42					1681.42	0.00
Чистые активы, млрд ₹		36.72					36.72	0.00
Активы, млрд ₹	42 540.59	44 359.21	45 784.91	49 244.96	53 160.47	57 191.21	49948.15	5.21
Long Term Debt ₹	0.0129						0.0129	0.00
Задолженность, млрд ₹	42 426	44 089.61	45 321.41	48 623.27	52 331.48	56 213.05	49315.76	4.98
Товарно материальные запасы ₹			0.634		0.5755		0.6048	-4.73

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	5.01	6.53	6.52	56.91	64.69		64.69	27.93	66.80
Цена акции ао			684.6	833.3	891.8	739.8	739.8	787.38	1.96
Число акций ао, млн	6325	6325	6325	6325	6325		6325	6325.00	0.00
FCF/акцию	84.18	125.73	-7.11	84.79	40.09		40.09	65.54	-13.79

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	5 quarters average	CAGR 5
EPS	0.4107	0.953	25.07	13.2	20.86	15.23	12.7	14.97	21.79	12.22	15.38	-4.31
Цена акции ао		746.59	675.02	644.83	626.49	579.56	645.06	676.96			634.58	0.98
FCF/акцию	8.96										8.96	0.00

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	316.51	60.03	45.27	125.05	63.45		63.45	13.90	122.06	-27.49
ROA, %	0.0906	0.1079	0.1021	0.8151	0.827		0.827	2.81	0.3885	55.62
ROS, %	0.5075	0.602	0.5636	4.52	4.83	4.83	4.83	59.51	3.07	51.66
ROCE, %	1461.55	72.67	0.000498	0.8044		44.43	44.43	2.58	315.89	-50.28
Ebit margin, %	2.57	0.7393	0.0028	4.62		4.34	4.34		2.45	11.05
Рентаб EBITDA, %						0	0	10.51
Чистая рентаб, %	0.5075	0.602	0.5636	4.52	4.83		4.83	59.51	2.20	56.93
Operation Margin, %				0	0	0	0	13.65

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	2.29		59.05		73.9		29.66		32.67		11.98	13.90	41.45	-27.31
ROA, %	0.0061		0.3574		0.5762		0.3261		0.2692		0.1401	2.81	0.3338	-17.08
ROS, %		0.3636	7.24	4.15	6.25	5	3.96	4.43	5.78	4.98	3.34	59.51	4.50	-3.35
ROCE, %			78.77									2.58	78.77	0.00
Ebit margin, %						4.31							4.31	0.00
Чистая рентаб, %		0.3636	7.24	4.15	6.25	5	3.96	4.43	5.78	4.98	3.34	59.51	4.50	-3.35

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2020	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		9.43	13.87		13.87	29.43	11.65	21.28
P/BV		7.33	6.85		6.85	3.11	7.09	-3.33
P/S		0.4262	0.6694		0.6694	12.16	0.5478	25.32
P/FCF		0	0	0	0	5.80
E/P		0	0	0	0	0.10
EV/EBIT	0.3528		0	0	0		0.3528	0.00
EV/S	0.0091	0	0	0	0	8.38	0.0091	0.00
EV/FCF	0.1063		0	0	0	-6.20	0.1063	0.00
Debt/EBITDA		0	0	0	0	1.02
Netdebt/Ebitda		0	0	0	0	0.86
Debt/Ratio		0	0	0	0	0.24
Debt/Equity		0	0	0	0	238.79
Debt/Net Income		0	0	0	0	12.31
Бета		1.93	2.82	3.66	3.66	0.91	2.80	23.78
Индекс Альтмана		0.1851	0.1703	0.1703	0.1703	1.07	0.1752	-2.74

	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	24.69	11.69	19.22	16.22	22.01		29.43	18.77	-2.27
P/BV	14.76	7.33	6.56	6.85	6.65		3.11	8.43	-14.74
P/S	0.9088	0.7897	0.9852	0.8696	0.9656		12.16	0.9038	1.22
Бета						3.66	0.91	3.66	0.00
Индекс Альтмана						0.1703	1.07	0.1703	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	26.77	26.77	27.16	9.49	9.49				19.94	-18.73
Дивиденд				1.5	7	6	6		4.83	58.74
Див доход, ао, %				0.2298	0.6818	1.09	1.09	1.40	0.6672	68.02
Дивиденды / прибыль, %		84.42	65.72	23	2.64		2.64	17.81	43.94	-57.95

	2022Q3	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	1.5	3		2.25	41.42
Див доход, ао, %	0.2222	0.4651	1.40	0.3437	44.68

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	98463	98463	0.00

	CAGR 5

	CAGR 5