NSE: LICI - Life Insurance Corporation of India

Yield per half year: -27.98%
Dividend yield: +1.09%
Sector: Financials

Reporting Life Insurance Corporation of India

Capitalization

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹				4 287.17	3 997.73		4 120	4142.45	-3.43
Выручка, млрд ₹	5 644.92	6 248.16	6 864.26	7 318.82	7 968.75	8 607.37	8 607.37	7401.47	6.62
Чистая прибыль, млрд ₹	32.85	31.71	41.32	41.25	359.97	409.16	409.16	176.68	66.78
EV, млрд ₹	125.42	56.62	-292.23	-447.23	2 940.27	5 314.72	5 314.72	1514.43	148.03
EBIT, млрд ₹	67.57	68.68	130.51	181.72	481.38	371.13	371.13	246.68	40.13
EBITDA, млрд ₹	71.86	76.47	137.7	181.72	481.38	375.79	375.79	250.61	37.50
Баланс стоимость, млрд ₹	8.1	10.02	68.84	113.38	462.33	827.47	827.47	296.41	141.76
FCF, млрд ₹	107.28	532.47	795.26	-44.99	536.32	253.54	253.54	414.52	-13.79
Операционный денежный поток, млрд ₹	132.74	543.67	806.02	-37.83	545.19	261.22	261.22	423.65	-13.64
Операционная прибыль, млрд ₹	67.57	68.68	130.51	181.72	481.38	-40.71	-40.71	164.32	-190.07
Операционные расходы, млрд ₹	-5 577.35	6 278.64	6 834.55	7 095.1	7 448.12	8 479.25	8 479.25	7227.13	6.19
CAPEX, млрд ₹	25.46	11.2	10.76	7.17	8.86	7.68	7.68	9.13	-7.27

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹					4 073.76				4 274.9				4174.33	2.44
Выручка, млрд ₹			1 658	2 189.21	2 010.86	2 111.19	1 925.28	2 031.66	2 138.76	2 528.78	2 108.73	2 316.98	2224.98	2.66
Чистая прибыль, млрд ₹			6.03	158.54	63.49	131.91	96.35	80.3	94.69	137.82	105.44	77.29	99.11	-0.76
EV, млрд ₹		-447.23		3 622.45		2 940.27		3 707.43		5 258.12		6 209.07	4347.47	11.38
EBIT, млрд ₹		54.57	49.98	371.18	190.56	112.29	175.69	175.67	204.88	193.54	106.11		171.18	-9.59
EBITDA, млрд ₹		2.6	6.31	158.82	83.77	131.91	92.76	81.28	95.31	12.52	13.65		59.10	-31.84
Баланс стоимость, млрд ₹			114.59	268.51	269.61	462.33	463.5	620.53	621.69	827.47	829	976.37	775.01	9.49
FCF, млрд ₹	11.8	56.69											34.24	119.19
Операционный денежный поток, млрд ₹	13.5	59.82											36.66	110.50
Операционная прибыль, млрд ₹		2.6	6.31	158.82	83.77	131.91	92.76	81.28	95.31	12.52	106.11		77.60	2.73
Операционные расходы, млрд ₹			-1 651.69	-2 030.39	-1 927.1	-1 979.28	1 833.67	-1 950.39	-2 043.45	265.92	2 119.26	2 316.98	141.66	-203.50
CAPEX, млрд ₹	1.7	3.12											2.41	35.47

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	471.1	523.38	292.27	447.24	454.99	361.65	361.65	415.91	-7.13
Short Term Investments ₹	143.4	117.97	305.4	1 026.39	1 251.5	169.95	169.95	574.24	7.57
Long term investments ₹		29 439.3	34 844.7	39 166.52	42 336.5			36446.75	9.51
Total Receivables ₹	-2 187.82	-2 289.15	-2 393.77	-2 764.14	-3 002.9	-418.82	-418.82	-2173.7560	-28.80
Total Current Assets ₹	615.22	631.53	360.78	447.24	454.99	418.24	418.24	462.56	-7.91
Чистые активы, млрд ₹	8.1	107.17	34.47	35.49			447.24	46.31	44.68
Активы, млрд ₹	34 272.49	34 998.34	38 295.24	42 540.59	45 784.91	53 160.47	53 160.47	42955.91	8.72
Short Term Debt ₹	2.78	3.87	3.14					3.26	4.14
Long Term Debt ₹		580.01	0.0367	0.0129				193.35	-97.19
Задолженность, млрд ₹	34 263.52	34 987.36	38 225.41	42 426	45 321.41	52 331.48	52 331.48	42658.33	8.39
Чистый долг, млрд ₹	125.42	56.62	-292.23	-447.23	-454.99	-361.65	-361.65	-299.8960	-244.90
Долг, млрд ₹	596.51	583.88	3.18	0.0129			0.0129	295.90	-93.18
Interest income ₹		2 220.5	2 395.65	2 538.38	2 761.18			2478.93	5.60
Расходы на обслуживание долга ₹	34.73	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 ₹	33.52	33.28						33.40	-0.36
Амортизация, млрд ₹	4.29	7.79	7.19	4.36	4.66	4.66	4.66	5.73	-9.77
Товарно материальные запасы ₹	0.7169	0.684	0.7338	0.7253	0.634	0.5755	0.5755	0.6705	-3.40

	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹	360.78	260.5	174.13	447.24		285.5		454.99		371.87		418.24		293.9	364.90	0.58
Short Term Investments ₹			208.2					1 251.5				1 676.55			1045.42	100.44
Long term investments ₹				39 166.52		41 253.83		42 336.5		45 763					42129.96	3.97
Total Receivables ₹								-3 002.9				-418.82			-1710.8600	-62.65
Total Current Assets ₹	360.78	260.5	382.9	447.24		285.5		454.99		371.87		418.24			395.57	-1.33
Чистые активы, млрд ₹			89.64	113.38		36.72									79.91	-25.73
Активы, млрд ₹	38 295.24	41 098.18	41 588.49	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 ₹	38 225.41	41 009.64	41 497.83	42 426		44 089.61		45 321.41		48 623.27		52 331.48	-829	56 213.05	40332.04	4.40
Чистый долг, млрд ₹	-360.75	-260.46	-174.09	-447.23		-285.5		-454.99		-371.87		-418.24		-293.9	-364.9000	0.58
Долг, млрд ₹			0.0367	0.0129											0.0248	-40.71
Расходы на обслуживание долга ₹				0.3687											0.3687	0.00
Амортизация, млрд ₹				-51.97	-43.66	-212.36	-106.79	19.62	-82.93	-94.39	-109.57	-181.02	-92.46		-112.0740	2.20
Товарно материальные запасы ₹			0.5737					0.634				0.5755			0.5944	0.10

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	5.19	5.01	6.53	6.52	56.91	64.69		64.69	27.93	66.80
Цена акции ао				684.6	832.5	892	740.5	740.5	787.40	1.98
Число акций ао, млн	6325	6324	7043.29	6325	6325	6325		6325	6468.46	0.00
FCF/акцию	16.96	84.18	112.91	-7.11	84.79	40.09		40.09	62.97	-13.79

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS			0.95	25.22	0.95	0.95	15.23	12.7	14.97	21.79	16.67	12.22	15.67	-0.77
Цена акции ао			746.56	675.01	644.07	626.46	579.56	645.11	675.87				634.21	0.97
Число акций ао, млн	7043.29				6325				6325				6564.43	-3.52
FCF/акцию	1.68	8.94											5.31	130.68

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	405.68	316.51	60.03	45.27	125.05	63.45		63.45	16.86	122.06	-27.49
ROA, %	0.0958	0.0906	0.1079	0.1021	0.8151	0.827		0.827	4.25	0.3885	55.62
ROIC, %		9.85	95.08	44.74					9.45	49.89	65.61
ROS, %	0.5819	0.5075	0.602	0.5636	4.52	4.75	4.75	4.75	54.68	3.04	51.15
ROCE, %	752.95	625.46	186.89	0.4329	1.06	0.7055	44.77	44.77	24.78	46.77	-24.86
Ebit margin, %		1.1	0.4511	2.48	6.04	4.31	4.31	4.31		3.52	57.05
Рентаб EBITDA, %	1.27	1.22	2.01	2.48	6.04	4.37	4.37	4.37	61.11	3.85	16.80
Чистая рентаб, %	0.5819	0.5075	0.602	0.5636	4.52	4.75		4.75	54.68	2.19	56.41
Operation Margin, %	1.2	1.1	1.9	2.48	6.04	-0.473	-0.473	-0.473	57.48	1.89	-175.72
Доходность FCF, %				-1.05	13.42					6.18	-457.50

	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %					5.26	59.05	23.55	28.53	20.79	19.59	19.01	23.45	15.53	10.05	16.86	17.53	-12.50
ROA, %	0.0807	0.036	0.0051	0.0061		0.3574		0.2881		0.3261		0.5185		0.2703	4.25	0.3521	-5.43
ROS, %					0.3636	7.24	3.16	6.25	5	3.95	4.43	5.45	5	3.34	54.68	4.43	-3.30
ROCE, %	59.08	119.71	3.27	47.62		137.68		24.23		0.3732		0.3815			24.78	42.06	-61.92
Ebit margin, %										8.65	9.58	7.65	5.03			7.73	-12.68
Рентаб EBITDA, %				0.1187	0.3807	7.25	4.17	6.25	4.82	4	4.46	0.4953	0.6474		61.11	2.88	-33.07
Чистая рентаб, %					0.3636	7.24	3.16	6.25	5	3.95	4.43	5.45	5	3.34	54.68	4.43	-3.30
Operation Margin, %				0.1187	0.3807	7.25	4.17	6.25	4.82	4	4.46	0.4953	5.03		57.48	3.76	0.86

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				103.94	9.43	13.87		13.87	36.52	42.41	-48.90
P/BV				37.81	7.33	6.85		6.85	3.48	17.33	-43.42
P/S				0.5858	0.4261	0.6595		0.6595	11.05	0.5571	4.03
P/FCF				-95.28	7.45	16.25	16.25	16.25	9.19	-13.8325	-164.26
E/P				0.0096	0.09	0.0993	0.0993	0.0993	0.25	0.0746	79.34
EV/EBITDA	1.75	0.3274	-2.11	-2.46	6.11	14.14		14.14	160.68	3.20	112.36
EV/EBIT		0.8244	-9.44	-2.46	6.11	14.32	14.32	14.32		4.57	-208.69
EV/S		0.0091	-0.0426	-0.0611	0.369	0.6175	0.6175	0.6175	13.57	0.3001	-270.70
EV/FCF		0.1063	-0.3675	9.94	5.48	20.96	20.96	20.96	11.99	11.39	-324.51
Debt/EBITDA	8.3	7.64	0.0231	7.1E-5	2.7E-5	3.4E-5	3.4E-5	3.4E-5	139.52	0.0047	-72.86
Netdebt/Ebitda	1.75	0.7405	-2.12	-2.46	-0.9452	-0.9624	-0.9624	-0.9624	-122.79	-1.4900	-14.61
Debt/Ratio		0.0167	8.3E-5	0	0	0	0	0	0.30	0.0084	-92.95
Debt/Equity		58.28	0.0461	0.000114	2.9E-5	2.9E-5	2.9E-5	2.9E-5	271.17	0.0093	-77.11
Debt/Net Income		18.41	0.0769	0.000312	3.6E-5	3.2E-5	3.2E-5	3.2E-5	13.96	0.0155	-78.92
Бета				0	1.91	2.75	2.29	2.29	1.86	2.32	6.23
Индекс Альтмана				0.2608	-0.2916	-0.4718	-0.4716	-0.4716	0.99	-0.2436	-215.96

	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E					481.56	23.39	64.17	9.41	8.65	10.96	12.25	13.87	15.24	15.66		36.52	13.60	7.40
P/BV						14.5	15.11	7.33		6.56	6.88	6.85		6.65		3.48	6.85	-1.93
P/S					0.783	0.6513	2.03	0.4256	0.4729	0.5049	0.6021	0.6582	0.7236	0.7152		11.05	0.6408	7.21
E/P							0.0156				0.0222					0.25	0.0189	19.29
EV/EBITDA				-155.91		21.56		7.72		9.53		18.65				160.68	-19.6900	-165.40
EV/EBIT										21.1		27.17					24.14	13.48
EV/S										1.82		2.08		2.68		13.57	2.19	13.77
Debt/EBITDA				0.005												139.52	0.0050	0.00
Netdebt/Ebitda	-143.54	-17.36	-71.94	-172.16		-1.8		-3.45		-4.58		-33.39				-122.79	-43.0760	-27.97
Бета															2.29	1.86	2.29	0.00
Индекс Альтмана															-0.4716	0.99	-0.4716	0.00

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	4.43		4.43		18.92	-30.22
Дивиденд				1.5	7	6	6		4.83	58.74
Див доход, ао, %				0.2298	0.6814	1.09	1.09	1.40	0.6671	68.02
Дивиденды / прибыль, %		84.42	65.72	23	2.64	1.08	1.08	18.33	35.37	-58.18

	2022Q3	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	1.5	3		2.25	41.42
Див доход, ао, %	0.2222	0.465	1.40	0.3436	44.66

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2022	2023	2024	CAGR 5
Персонал, чел	104036	104036	98463	-1.82

	CAGR 5

	CAGR 5