Life Insurance of IndiaNSE:LICI -3.03%72 Net Margin % is 8.48% as of Mar. 2026, which is 229% above its 10-year median of 2.58. GuruFocus rates NSE:LICI with a GF Score™ of 72/100 and a GF Value™ of ₹482.89 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, Life Insurance of India ranks worse than 64.82% on this metric.
The historical rank and industry rank for Life Insurance of India's Net Margin % or its related term are showing as below:
NSE:LICI'
s Net Margin % Range Over the Past 10 Years
Min: -0.51 Med: 2.58 Max: 5.87
Current: 5.86
NSE:LICI's Net Margin % is ranked worse than 64.82% of 506
companies
in the Insurance industry
Industry Median: 9.275
vs NSE:LICI: 5.86
Life Insurance of India (NSE:LICI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Life Insurance of India Net Margin % Related Terms
Life Insurance of India Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Life Insurance of India's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Life Insurance of India Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Life Insurance of India's Net Margin % distribution charts can be found below:
* The bar in red indicates where Life Insurance of India's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Life Insurance of India (NSE:LICI) has a Net Margin % of 8.48% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Life Insurance of India and its competitors. This is 229% above median its historical median of 2.58. According to the industry distribution chart, Life Insurance of India ranks #328 out of 506 companies in the Insurance industry, placing it in the top 64.8%.
Is Life Insurance of India's Net Margin % too high?
Life Insurance of India's current Net Margin % of 8.48% is 229% above median its 10-year median of 2.58. The Insurance industry median Net Margin % is 9.28. Life Insurance of India's value of 8.48% is 8.6% below this industry median. Based on the distribution chart, Life Insurance of India ranks #328 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Life Insurance of India has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Life Insurance of India's Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Life Insurance of India ranks #328 out of 506 companies for Net Margin %. This places Life Insurance of India in the lower half of its industry. The industry median Net Margin % is 9.28. Life Insurance of India's value of 8.48% is 8.6% below this benchmark. While the company's 10-year median is 2.58 vs. the industry median of 9.28, Life Insurance of India has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.28, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Life Insurance of India's current Net Margin % of 8.48% is 8.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Life Insurance of India and its competitors. For the Insurance industry, the median Net Margin % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Life Insurance of India's current Net Margin % is 8.48%, which is 229% above median its own 10-year median of 2.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Life Insurance of India stock overvalued right now?
Based on GuruFocus' analysis, Life Insurance of India (NSE:LICI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹482.89, compared to a current price of ₹423.35 — trading 12.3% below its estimated fair value. The current Net Margin % is 8.48%, which is 229% above median its 10-year median of 2.58 and 8.6% below the Insurance industry median of 9.28. Life Insurance of India's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Life Insurance of India (NSE:LICI), the current Net Margin % is 8.48% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Life Insurance of India (NSE:LICI) Overvalued in 2026?
Based on GuruFocus' analysis, Life Insurance of India stock appears to be undervalued.
The current stock price of ₹423.35 is trading 12.3% below its estimated GF Value™ of ₹482.89.
GuruFocus considers Life Insurance of India to be Modestly Undervalued.
Key valuation signals for NSE:LICI:
Net Margin %: 8.48% (229% above median its 10-year median of 2.58)
GF Value™: ₹482.89 vs. price of ₹423.35 (12.3% below fair value)
Industry Position: 8.6% below the Insurance median (#328 of 506)
No single metric tells the full story. See the NSE:LICI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Life Insurance Corporation of India is engaged in providing life insurance in India. The company offers diversified product portfolio covering various segments across individual products and group products.
72GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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