LIC Share Price Spikes 8% On Impressive Q4 Earnings & Dividend: Analysts Predict More Upside; Time to Invest?

Shares of Life Insurance Corporation of India (LIC) surged sharply on Wednesday, May 28, after the company announced its Q4 results post-market hours the previous day. LIC shares today opened at Rs. 892 apiece, with a 2.3% jump from the previous close of Rs. 871.25 on the BSE.

LIC Q4 Results FY25 Highlights

Life Insurance Corporation of India has posted a strong performance in its Q4 results for FY2024-25, with a 38% year-on-year rise in net profit. For the quarter ending March 2025, LIC's net profit surged to Rs 19,013 crore, compared to 13,763 crore in the same period last year. On a full-year basis, LIC's profit after tax, or PAT, rose 18.38% YoY, reaching Rs. 48,151 crore for the financial year that ended March 31, 2025.

However, on the premium side, the company reported a slight decline. Net premium income fell by 3.2%, coming in at Rs 1,47,917 crore, down from Rs 1,52,767 crore in Q4 FY24. Another highlight from the annual performance is the new business premium, which climbed to Rs. 62,495 crore with an 8.28% growth over the previous year.

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Analyst View on LIC Share Performance Q4 Results

India's largest insurance company, LIC, has received mixed ratings from two major broking firms, Motilal Oswal Financial Services (MOSL) and Goldman Sachs (GS). MOSL has maintained a "Buy" call on LIC, citing expanding VNB (Value of New Business) margins and improved contribution from non-participating (Non-Par) products. They also expect premium growth to recover soon and have set a target price of ₹1,050, up from the current market price of ₹871.25.
On the other hand, Goldman Sachs has retained a "Neutral" stance with a target price of ₹880. GS noted that Q4 APE (Annualised Premium Equivalent) was 4% below estimates, but VNB margins remained in line at 18.7%. Despite margin improvements due to a better product mix and a focus on high-ticket non-par products, GS expressed concerns about agency disruptions from new product introductions andsed top-line expectations.

LIC Share Price Movement

LIC shares ended slightly higher on Tuesday, closing at ₹870.70, even though the trading session remained mostly flat. In the last five trading sessions, LIC stock has seen a modest gain of 2.23%. In the last 6 months, LIC shares have declined by 7.23%. Over a 1-year period, the stock has lost around 14% of its value, disappointing long-term investors.

LIC Final Dividend for FY2024-25

LIC, along with its Q4 results, has declared a final dividend of Rs. 12 per equity share for the financial year ending March 31, 2025. The decision was made during a recent board meeting and was disclosed through a regulatory filing on the stock exchanges.
According to the filing, the dividend is subject to approval by shareholders at the upcoming Annual General Meeting (AGM). If approved, eligible shareholders will receive ₹12 for every share they hold in the company.

LIC has also announced July 25, 2025, as the record date for determining shareholder eligibility. This means investors must hold LIC shares in their demat accounts on or before July

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