LIC Q4 FY25 Results Preview: Life Insurance Corporation (LIC), the country’s largest insurer, is set to report its financial results for the quarter as well as the year ended March 31, 2025, on Tuesday, May 27. Analysts expect the life insurance PSU to stage a largely positive quarterly performance with a significant rise in its profitability owing to an improving product mix.
LIC Q4 Results Preview | What to expect in top-line and bottom-line?
According to Zee Business research, LIC is estimated to register a standalone net profit of Rs 14,800 crore for the quarter ended March 31, translating to a jump of 7.5 per cent compared to the corresponding period a year ago.
Its net premium income is estimated to decline 2.6 per cent on a year-on-year basis to Rs 1,48,300 crore, according to the research. Net premium income is a key measure of an insurance business’s revenue stream.
The analysts estimate the insurance behemoth’s new business annualised premium equivalent (APE) to drop 17 per cent to Rs 17,500 crore. New business APE is a key metric that determines an insurance player’s income from its new business sales. It combines the income streams from single-premium and annual (regular) insurance plans into a common figure.
According to Zee Business research, changes in the company’s commission structure are estimated to have dented its annualised premium equivalent. In October, LIC made significant changes to the overall commission structure for its agents.
LIC Q4 Earnings Preview | How will the life insurance PSU perform operationally?
LIC is seen registering a 290-basis-point (bps) rise in its value of new business (VNB) margin for the March quarter to 20.1 per cent, owing to an improvement in its product mix, according to Zee Business research.
Upcoming LIC Results | Key thing to watch out for
Investors will keenly look out for the insurance giant’s outlook on its health insurance acquisition and its overall growth outlook.
LIC has been actively pursuing potential investment opportunities in health insurance as part of its strategy to diversify its business.
LIC share price news
As of May 26, 2025, the LIC stock has declined about 3.0 per cent for the year so far, underperforming a 5.3 per cent rise in the headline Nifty 50 index.
It has lost 16 per cent of its value in a year, again sharply lower than a 9.0 per cent rise in the benchmark gauge.
ALSO READ: LIC sets Guinness World Record for most life insurance policies sold in a day
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