| Intrinsic Valuation of: LICI | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 76 | Market Cap | ₹6,154B | |||||
| 2021 | - | - (-) | P/E Ratio | 13 | Total Asset | ₹56,606B | |||||
| 2022 | ₹-45B | - (-) | Net Income | ₹482B | Total Debt | ₹0 | |||||
| 2023 | ₹536B | 1292.0% (1203.3%) | EBITDA | - | Total Liab | ₹55,331B | |||||
| 2024 | ₹258B | -51.9% (-53.9%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹-99B | -138.5% (-136.5%) | PreTax Margin | - | BV/Share | 201 | |||||
| 5Y Average FCF | ₹162B | 367.2% (337.6%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.5% | Historical US Bond Yield: | 4.4% | ||||||||
| Discount Rate (WACC): | 7.4% | Current US Bond Yield: | 3.5% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (25.0%) | ||||||||||
| 2026 | ₹203B | MBG Intrinsic Value | ₹681 | ||||||||
| 2027 | ₹254B | ||||||||||
| 2028 | ₹317B | ||||||||||
| 2029 | ₹397B | ||||||||||
| 2030 | ₹496B | ||||||||||
| 2031 | ₹620B | ||||||||||
| Terminal Value | ₹12,886B | Net Worth/Share | ₹202 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹10,095B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹699B | ₹1,707 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 1,498 | 1,609 | 1,743 | 1,907 | 2,114 | |||
| Equity Value | ₹10,794B | 7.4% | 1,485 | 1,594 | 1,724 | 1,885 | 2,087 | ||||
| Shares Outstanding | 6,325,000,192 | 7.4% | 1,472 | 1,579 | 1,707 | 1,863 | 2,060 | ||||
| 7.9% | 1,355 | 1,443 | 1,547 | 1,672 | 1,825 | ||||||
| DCF Intrinsic Value | ₹1,707 | 8.4% | 1,255 | 1,328 | 1,414 | 1,515 | 1,637 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||