Gujarat State Financial Corporation vs Life Insurance Corporation of India

A side-by-side comparison of Gujarat State Financial Corporation (GUJSTATFIN) and Life Insurance Corporation of India (LICI) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, Life Insurance Corporation of India leads GUJSTATFIN vs LICI on 9 of 14 metrics (3 tied). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

Valuation

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

-0.70
P/E ratio
9.46
-0.03
P/B ratio
3.09
0.00%
Dividend yield
2.28%
₹-14.28
EPS
₹45.42

Profitability

How efficiently each company turns capital and sales into profit. Higher is better.

3.99%
Return on equity
37.80%
-0.55%
Return on capital
35.00%
0.00%
EBITDA margin
5.00%
0.00%
Net margin
5.88%

Growth

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

Revenue CAGR (3Y)
7.61%
Profit CAGR (3Y)
16.86%

Size & financial health

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹93 Cr
Market cap
₹5.59L Cr
₹16 Cr
Revenue
₹9.78L Cr
₹-127 Cr
Net profit
₹57,453 Cr
0.00
Debt / equity
0.00
Gujarat State Financial Corporation
  • ["Company has low interest coverage ratio.", "Company's cost of borrowing seems high"]
Life Insurance Corporation of India
  • + ["Company is almost debt free.", "Company has a good return on equity (ROE) track record: 3 Years ROE 45.6%"]
  • ["The company has delivered a poor sales growth of 7.19% over past five years.", "Tax rate seems low"]
Gujarat State Financial Corporation full analysis Life Insurance Corporation of India full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.