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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Life Insurance Corporation of India is an India-based insurance company. The Company is engaged in the business of life insurance in and outside India. It offers a range of individual and group insurance solutions including participating, non-participating and unit linked…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, steadily growing business, trading cheap versus its own history.
LIC is scored on the insurance framework. It keeps a slim 4.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at -1%/yr and profit at 12%/yr. Return on equity is an elite 32.7%. In the latest quarter profit fell 42% versus the prior quarter.
At 10× earnings, the stock sits at the 8th percentile of its own 4.5-year range — the cheap end of where it has historically traded. Today's price asks for only ~-4%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 8.03 | 32.71 | better |
| P/B | 2.63 | 4.09 | better |
| EV/EBITDA | 8.14 | 26.58 | better |
| ROE | 32.73 | 12.32 | better |
| ROCE | 0.89 | — | — |
| ROA | 0.95 | 1.81 | worse |
| Quick Ratio | 5.95 | 1.14 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| SBI Life Insurance | 67.6 | 8.7 | 12.9% |
| HDFC Life Insurance | 59.9 | 6.3 | 10.5% |
| Icici Lombard General Insurance | 32.0 | 4.3 | 13.6% |
Not applicable for this sector.
Revenue declined 8% in the latest year — a break from prior trajectory. Negative CAGR — the top line has shrunk over this window. Growth is decelerating — latest year grew slower than the year before.
Profit is on a 2-year growth streak. Profit is growing faster than revenue (12% vs -1%) — margin expansion is at work. The latest year saw a -42% swing — check if it's a one-off or structural.
Operating margins have been stable around 5% — no major structural shift.
EPS has grown every year — each share earns more than the last, consistently. EPS outpaced profit growth — possible buybacks are concentrating earnings into fewer shares. 127% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 3 years had negative operating cash flow — profitability on paper may not translate to cash. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue fell 8% QoQ — could be seasonality or a genuine slowdown.
Profit fell 42% QoQ — one-quarter drops can be noise, but a pattern matters.
How today's P/E compares to the stock's own historical range. Dashed line = the 4.5y median.
Promoters hold 90.0% — heavily owner-operated with strong skin in the game. Promoters reduced 6.5pp over 4 quarters — watch whether this is planned divestment or pledge invocations. FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction. MF holding up 4.3pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.