{"id":339923,"date":"2026-11-05T11:23:06","date_gmt":"2026-11-05T05:53:06","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=339923"},"modified":"2026-11-05T11:23:06","modified_gmt":"2026-11-05T05:53:06","slug":"lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/","title":{"rendered":"LIC Share Price: 10.3% CAGR in 3 Years as the Newly Listed Life Insurance Giant Edges Past SBI Life"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#LIC_Share_Price_103_CAGR_in_3_Years_as_the_Newly_Listed_Life_Insurance_Giant_Edges_Past_SBI_Life\" title=\"LIC Share Price: 10.3% CAGR in 3 Years as the Newly Listed Life Insurance Giant Edges Past SBI Life\">LIC Share Price: 10.3% CAGR in 3 Years as the Newly Listed Life Insurance Giant Edges Past SBI Life<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#How_Much_Has_the_LIC_Share_Price_Returned_in_3_Years\" title=\"How Much Has the LIC Share Price Returned in 3 Years?\">How Much Has the LIC Share Price Returned in 3 Years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#LIC_vs_SBI_Life_Insurance_3-Year_CAGR_Compared\" title=\"LIC vs SBI Life Insurance: 3-Year CAGR Compared\">LIC vs SBI Life Insurance: 3-Year CAGR Compared<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#Valuation_and_Quality_Compared\" title=\"Valuation and Quality Compared\">Valuation and Quality Compared<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#What_Is_Driving_the_LIC_Stock\" title=\"What Is Driving the LIC Stock?\">What Is Driving the LIC Stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#How_the_Established_Players_Stack_Up\" title=\"How the Established Players Stack Up\">How the Established Players Stack Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#What_Should_Investors_Track_Next\" title=\"What Should Investors Track Next?\">What Should Investors Track Next?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#How_to_Compare_Insurance_Stocks_Yourself\" title=\"How to Compare Insurance Stocks Yourself\">How to Compare Insurance Stocks Yourself<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#A_Large_Insurer_at_a_Modest_Multiple\" title=\"A Large Insurer at a Modest Multiple\">A Large Insurer at a Modest Multiple<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#What_is_the_LIC_share_price_today\" title=\"What is the LIC share price today?\">What is the LIC share price today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#What_is_the_3-year_CAGR_of_the_LIC_stock\" title=\"What is the 3-year CAGR of the LIC stock?\">What is the 3-year CAGR of the LIC stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#Is_LIC_better_than_SBI_Life\" title=\"Is LIC better than SBI Life?\">Is LIC better than SBI Life?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#What_does_Life_Insurance_Corporation_of_India_do\" title=\"What does Life Insurance Corporation of India do?\">What does Life Insurance Corporation of India do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#Is_the_LIC_stock_debt_free\" title=\"Is the LIC stock debt free?\">Is the LIC stock debt free?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#Is_LIC_expensive_compared_with_the_industry\" title=\"Is LIC expensive compared with the industry?\">Is LIC expensive compared with the industry?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#Which_insurance_stock_gave_the_highest_return_in_3_years\" title=\"Which insurance stock gave the highest return in 3 years?\">Which insurance stock gave the highest return in 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/lic-share-price-3-year-cagr-vs-private-life-insurer-sbi-life\/#How_do_I_calculate_CAGR_for_a_stock\" title=\"How do I calculate CAGR for a stock?\">How do I calculate CAGR for a stock?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"LIC_Share_Price_103_CAGR_in_3_Years_as_the_Newly_Listed_Life_Insurance_Giant_Edges_Past_SBI_Life\"><\/span><strong>LIC Share Price: 10.3% CAGR in 3 Years as the Newly Listed Life Insurance Giant Edges Past SBI Life<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>LIC previous close Rs 408. 3-year CAGR 10.3%. Up 1.3x since 3 Nov 2023. P\/E 8.63 vs industry 10.03. ROE 32.53%.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">The <strong>LIC share price<\/strong> closed at Rs 408 on 4 November 2026, a compounded annual return of 10.3% over three years. That compares with SBI Life Insurance at 8.8%. The company has a market cap of Rs 5,18,017 crore and a P\/E of 8.63 against an industry P\/E of 10.03.<\/p>\n<\/p><\/div>\n<p>The <strong>LIC share price<\/strong> tracks one of the more closely watched large caps to list in recent years. Life Insurance Corporation of India (LIC) came to the market in May 2022 and, over the last three years, its stock has compounded slightly faster than SBI Life Insurance, the leading private sector life insurer.<\/p>\n<p>This article calculates the three-year CAGR for both, then compares market cap, valuation, return on equity and debt. All prices are adjusted for corporate actions so the comparison is on equal terms.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=lic-share-price\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Has_the_LIC_Share_Price_Returned_in_3_Years\"><\/span><strong>How Much Has the LIC Share Price Returned in 3 Years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The LIC stock closed at Rs 304.02 on 3 November 2023 and at Rs 408.00 on 4 November 2026. Rs 1 lakh invested three years ago would have grown to about Rs 1.34 lakh, which is a CAGR of 10.3%. This is a price return and leaves out dividends.<\/p>\n<p>CAGR condenses a bumpy three-year ride into one yearly number, which is why it is the fairest way to compare companies of different sizes. A stock such as LIC can look spectacular on a chart and still have earned a modest yearly return, so the compounded figure keeps the comparison honest.<\/p>\n<p>The <strong>LIC share price<\/strong> is shaped by the size of the franchise, the pace of new business premium and the value investors place on the large pool of policy assets that LIC manages.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"LIC_vs_SBI_Life_Insurance_3-Year_CAGR_Compared\"><\/span><strong>LIC vs SBI Life Insurance: 3-Year CAGR Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table ranks the companies by three-year CAGR. Prices on 3 November 2023 are adjusted for splits and bonuses, and the latest figures are the previous close on 4 November 2026.<\/p>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Close on 3 Nov 2023<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Previous close (4 Nov 2026)<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Price multiple<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">3-year CAGR<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Life Insurance Corporation of India<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 304.02<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 408.00<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.3x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">10.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">SBI Life Insurance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,329.35<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,710.20<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.3x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">8.8%<\/td>\n<\/tr>\n<\/table>\n<p>The LIC stock leads the pair at 10.3%, ahead of SBI Life Insurance at 8.8%. LIC edged ahead of SBI Life on three-year CAGR. The two are very different in scale, since LIC is far larger by market cap and its P\/E is a fraction of the private insurer&#8217;s.<\/p>\n<p>Look at the <strong>LIC share price<\/strong> alongside the peers as a snapshot of the last three years. It describes what happened, and valuation and earnings will decide what happens next.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valuation_and_Quality_Compared\"><\/span><strong>Valuation and Quality Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Market cap<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">ROE<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Debt to equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/lici\/life-insurance-corporation-of-india-share-price-today\">Life Insurance Corporation of India<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 5,18,017 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">8.63<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">10.03<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">32.53%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">0.00<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/sbilife\/sbi-life-insurance-company-ltd-share-price-today\">SBI Life Insurance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,70,780 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">64.30<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.39<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">12.93%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">0.00<\/td>\n<\/tr>\n<\/table>\n<p>By market cap, Life Insurance Corporation of India is the largest of the group at Rs 5,18,017 crore, which gives it the scale advantage over SBI Life Insurance. On earnings, LIC shares trade at a P\/E of 8.63 against an industry P\/E of 10.03, a discount of about 14% to the sector, which leaves room if earnings keep growing. Peer multiples are SBI Life Insurance at 64.30.<\/p>\n<p>Return on equity is 32.53% for the LIC stock, which ranks first among the two, and debt to equity stands at 0.00. Trailing EPS is Rs 47.47. Insurers are valued on earnings, embedded value and new business margins, so a low P\/E alone does not describe the full picture.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Driving_the_LIC_Stock\"><\/span><strong>What Is Driving the LIC Stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC is India&#8217;s largest life insurer, with a distribution network of agents that reaches households across the country. It sells traditional savings and protection plans, pension products and group business, and manages a very large investment portfolio.<\/p>\n<p>A large book of policies gives the company a steady stream of renewal premium and investment income. Growth in new business, especially in higher margin non-participating and protection products, is the lever that investors follow.<\/p>\n<p>Followers of the <strong>LIC share price<\/strong> generally track new business premium, the value of new business margin, persistency and the investment yield on the portfolio.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_Established_Players_Stack_Up\"><\/span><strong>How the Established Players Stack Up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI Life Insurance is the private sector life insurer promoted by State Bank of India, with a strong bancassurance channel. It compounded at 8.8% a year on a market cap of Rs 1,70,780 crore, with an ROE of 12.93%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Should_Investors_Track_Next\"><\/span><strong>What Should Investors Track Next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Three things are worth watching on the <strong>LIC share price<\/strong>. First, growth in new business premium and the share of higher margin products. Second, persistency, which shows how many policies stay in force. Third, investment returns on its large portfolio.<\/p>\n<p>LIC trades at a P\/E of 8.63 against an industry P\/E of 10.03. A three-year CAGR describes the past, and insurers are sensitive to markets and regulation.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live fundamentals of insurance stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Compare_Insurance_Stocks_Yourself\"><\/span><strong>How to Compare Insurance Stocks Yourself<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can repeat this exercise for any pair of stocks, including the LIC stock against its peers. Note the adjusted closing price on the base date, take the latest close, divide one by the other, raise the result to the power of one third and subtract one. Then place the CAGR next to market cap, P\/E against the industry P\/E, ROE and debt to equity. Benchmark the result against the <a href=\"https:\/\/univest.in\/indices\/nifty-50\/nifty-50-share-price-today\">Nifty 50<\/a> as well, so you know whether the stock beat the broader market.<\/p>\n<p>A stock that scores well on growth but weakly on quality, or the reverse, deserves closer study before it enters a portfolio. When tracking the <strong>LIC share price<\/strong>, the same four checks give a more complete picture than price alone.<\/p>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track the <strong>LIC share price<\/strong> and compare insurance stocks live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"A_Large_Insurer_at_a_Modest_Multiple\"><\/span><strong>A Large Insurer at a Modest Multiple<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>LIC share price<\/strong> compounded at 10.3% a year over three years, ahead of SBI Life at 8.8%. LIC also earns an ROE of 32.53% and trades at a P\/E of 8.63.<\/p>\n<p>SBI Life offers a private sector growth profile with a higher multiple, while LIC offers scale and a lower valuation. Weigh each against your own view of the sector.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_LIC_share_price_today\"><\/span><strong>What is the LIC share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Life Insurance Corporation of India closed at Rs 408 on 4 November 2026, according to NSE data. It has a market cap of Rs 5,18,017 crore and a P\/E of 8.63. Check live quotes before acting, as prices change every trading day.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_3-year_CAGR_of_the_LIC_stock\"><\/span><strong>What is the 3-year CAGR of the LIC stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Life Insurance Corporation of India delivered a price CAGR of 10.3% over three years, moving from Rs 304.02 on 3 November 2023 to Rs 408.00 on 4 November 2026. The figure excludes dividends and uses adjusted closing prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_LIC_better_than_SBI_Life\"><\/span><strong>Is LIC better than SBI Life?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The LIC stock delivered a three-year CAGR of 10.3% against 8.8% for SBI Life. LIC trades at a lower P\/E of 8.63 against 64.30 and earns a higher ROE of 32.53% against 12.93%. Insurers should be compared on embedded value and margins as well.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_Life_Insurance_Corporation_of_India_do\"><\/span><strong>What does Life Insurance Corporation of India do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Life Insurance Corporation of India (LIC) is the country&#8217;s largest life insurer. It sells savings, protection and pension plans through a large agent network and manages one of the biggest investment portfolios in India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_LIC_stock_debt_free\"><\/span><strong>Is the LIC stock debt free?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The debt to equity ratio of the LIC stock is 0.00 and its return on equity is 32.53%. Always check the latest balance sheet for current figures, as debt levels change with expansion plans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_LIC_expensive_compared_with_the_industry\"><\/span><strong>Is LIC expensive compared with the industry?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC trades at a P\/E of 8.63 against an industry P\/E of 10.03. A higher multiple reflects expectations of faster growth, which the company must deliver through earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_insurance_stock_gave_the_highest_return_in_3_years\"><\/span><strong>Which insurance stock gave the highest return in 3 years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Among the companies compared here, Life Insurance Corporation of India delivered the highest three-year CAGR at 10.3%, followed by SBI Life Insurance at 8.8%. Past returns do not guarantee future performance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_calculate_CAGR_for_a_stock\"><\/span><strong>How do I calculate CAGR for a stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Divide the latest price by the starting price, raise the result to the power of one divided by the number of years, and subtract one. Multiply by 100 for a percentage. Use split and bonus adjusted prices for accurate results.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the LIC share price today?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Life Insurance Corporation of India closed at Rs 408 on 4 November 2026, according to NSE data. It has a market cap of Rs 5,18,017 crore and a P\/E of 8.63. 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See how Life Insurance Corporation compares with SBI Life on returns, P\/E and ROE.<\/p>\n","protected":false},"author":34,"featured_media":339922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[20154,4847,20153,6459],"class_list":["post-339923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-insurance-stocks-3-year-return","tag-lic-share-price","tag-lic-vs-sbi-life","tag-life-insurance-stocks-india"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["339922"],"rank_math_title":["LIC Share Price: 10.3% CAGR vs SBI Life Insurance"],"rank_math_description":["LIC share price compounded at 10.3% a year over 3 years. See how Life Insurance Corporation compares with SBI Life on returns, P\/E and ROE."],"rank_math_focus_keyword":["LIC share price | Density Target: 1.2-1.5%"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/11\/lic-share-price-10-3-cagr-in-3-years-as-the-newly-listed-life-insurance-giant.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/339923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=339923"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/339923\/revisions"}],"predecessor-version":[{"id":339924,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/339923\/revisions\/339924"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/339922"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=339923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=339923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=339923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}