| Intrinsic Valuation of: LICI | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 84 | Market Cap | ₹5,055B | |||||
| 2021 | - | - (-) | P/E Ratio | 10 | Total Asset | ₹56,606B | |||||
| 2022 | ₹-45B | - (-) | Net Income | ₹483B | Total Debt | ₹0 | |||||
| 2023 | ₹536B | 1292.0% (1203.3%) | EBITDA | - | Total Liab | ₹55,331B | |||||
| 2024 | ₹258B | -51.9% (-55.5%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹-99B | -138.5% (-136.7%) | PreTax Margin | - | BV/Share | 201 | |||||
| 5Y Average FCF | ₹162B | 15.0% (337.0%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.48% | Historical US Bond Yield: | 4.40% | ||||||||
| Discount Rate (WACC): | 7.00% | Current US Bond Yield: | 3.48% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (15.0%) | ||||||||||
| 2026 | ₹457B | MBG Intrinsic Value | ₹749 | ||||||||
| 2027 | ₹514B | ||||||||||
| 2028 | ₹565B | ||||||||||
| 2029 | ₹607B | ||||||||||
| 2030 | ₹638B | ||||||||||
| 2031 | ₹653B | ||||||||||
| Terminal Value | ₹14,814B | Net Worth/Share | ₹202 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹12,561B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹545B | ₹2,072 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 1,950 | 2,116 | 2,323 | 2,590 | 2,944 | |||
| Equity Value | ₹13,106B | 7.1% | 1,740 | 1,866 | 2,020 | 2,210 | 2,453 | ||||
| Shares Outstanding | 6,324,997,701 | 7.8% | 1,569 | 1,668 | 1,785 | 1,926 | 2,101 | ||||
| 8.4% | 1,430 | 1,508 | 1,600 | 1,708 | 1,839 | ||||||
| DCF Intrinsic Value | ₹2,072 | 9.0% | 1,316 | 1,380 | 1,453 | 1,538 | 1,640 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||