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Life Corporation (LIFCF) Fair Value & Analysis

Consumer Defensive · US · Market cap $953M

LC Life Corporation logo Life Corporation LIFCF · US
Price$11.02
Fair Value$26.54
Upside+140.9%
Quality57/100
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Healthy Growth
Thin margins · 2.1% net margin
Low debt · generates free cash flow
3.03% dividend yield
Ranks above peers (7/11)
Narrow moat 42/100
Evidence: High Range $19.91 – $33.18 Share as image

Fair value as of: Jul 24, 2026

From 23 valuation models · updated 17 days ago

Fair value updated Jul 24, 2026, revised from $26.98 to $26.54 (−1.6%) since Jun 25, 2026.

A solid business, screening 141% undervalued on our models.

What matters now

  • The price is below even our cautious bear case ($19.91). The market is more pessimistic than our downside scenario.
  • Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (19 months)

$11.02 $9.92 Fair Value $26.54 Jan 2025 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 24, 2026.

How to read this chart

19‑month range $9.92 – $11.02 · fair‑value band $19.91 – $33.18 · the $11.02 price screens below the $26.54 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 24, 2026.

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Analysis

Life Corporation (LIFCF) currently trades at $11.02, while our model-based Fair Value estimate is $26.54, implying the stock looks roughly 140.9% undervalued today. The Quality Score stands at 57/100 (solid quality), in the Consumer Defensive sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Life Corporation generated revenue of $881B at a net margin of 2.1%. Revenue grew 2.0% year over year. It earns a return on equity of 12.8%. Net debt stands at $18.9B. Fundamentals as of Jul 24, 2026

Our scenario range runs from $19.91 (bear case) to $33.18 (bull case); at $11.02, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 6% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at -31% fair-value upside, at 141%, LIFCF screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Growth DCF $38.52 $50.45 $64.50 80
Rev-Margin DCF $24.52 $33.56 $43.46 74
ROIC Compounder $11.02 $12.99 $15.06 72
All 23 models by family
DCF Models
FCF DCF $37.83 $50.89 $66.95 38
Owner Earnings $13.72 $18.59 $24.57 31
5Y Revenue Exit $24.52 $32.82 $42.59 39
5Y EBITDA Exit $30.40 $43.21 $57.20 41
5Y P/E Exit $25.55 $34.63 $43.43 38
10Y Revenue Exit $29.47 $37.47 $46.68 36
10Y EBITDA Exit $33.22 $43.88 $56.36 37
10Y P/E Exit $30.45 $38.59 $47.24 35
Earnings-Based
Graham-Dodd $9.02 $20.60 $26.41 54
PEG = 1.0 $3.43 $4.90 $6.37 46
EPV $11.01 $12.59 $13.91 59
Multiples
P/E Multiple $19.91 $26.54 $33.18 63
P/S Multiple $16.92 $22.56 $28.20 58
P/B Multiple $16.92 $22.56 $28.20 55
EV/EBIT $24.18 $32.43 $40.68 53
EV/EBITDA $28.86 $38.68 $48.50 54
EV/Revenue $16.11 $23.26 $30.41 43
Asset-Based
NCAV (Graham) $5.48 $7.35 $10.97 50
Growth DCF
Growth DCF $38.52 $50.45 $64.50 80
Rev-Margin DCF $24.52 $33.56 $43.46 74
Economic Profit
Residual Income $9.57 $10.78 $17.05 61
ROIC Compounder $11.02 $12.99 $15.06 72
Growth Earnings
Growth-Adj P/E $14.99 $21.42 $27.84 68

Widest divergence: DCF Models ($37.47) versus Asset-Based ($7.35). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) $881B
Revenue growth (YoY) +2.0%
Net margin 2.1%
Return on equity 12.8%
Free cash flow $61.9B FY2026
P/E ratio 9.4
More key figures
Operating margin 3.1%
EPS (TTM) $1.17
Dividend yield 3.0%
EPS growth (YoY) +15.2%
Net debt $18.9B FY2026

Figures from reported company fundamentals · as of Jul 24, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 57/100

Of which business quality 59 · Market factors (momentum, volatility) 67

Profitability 63
Margins and returns on capital today
Quality Growth 32
Are margins and returns improving?
Cashflow 65
Earnings quality: real cash, not paper profit
Fin. Strength 73
Balance sheet, leverage, solvency risk
Investment 76
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 70
Distance to the 52-week high (market factor)
Net Issuance 40
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Life Corporation engages in the supermarket chain in Japan. The company sells food products, daily necessities, and clothing. It is also involved in the credit card business. The company was formerly known as Lifestore Co., Ltd. and changed its name to Life Corporation in May 1991. Life Corporation was founded in 1910 and is headquartered in Osaka, Japan.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Life Corporation reported revenue of $881B in FY2026 versus $768B in FY2022, a compound +3.5%/yr. Reported net income was $18.8B in FY2026, compounding +5.5%/yr from FY2022.

Growth Quality 64/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
$881B
Latest YoY
+3.6%
Avg. growth/yr (3Y)
+4.8%
Avg. growth/yr (5Y)
+3.0%
Revenue +3.5%/yr
FY22 $768B
FY23 $765B
FY24 $810B
FY25 $850B
FY26 $881B
Net income +5.5%/yr
FY22 $15.2B
FY23 $13.3B
FY24 $16.9B
FY25 $17.9B
FY26 $18.8B

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Cite: Fair Value Calculator (2026). "Life Corporation Fair Value". https://www.fairvalue-calculator.com/stock/LIFCF

Peer Group

Grocery Stores · 83 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 57 · Below median
Fair Value upside +141% · Top 25%
Return on equity (TTM) 13% · Above median
Return on assets 5% · Above median
Net margin (TTM) 2% · Below median
Operating margin (TTM) 3% · Below median
Revenue growth 2% · Below median
Dividend yield (TTM) 3.0% · Above median
Debt / equity 0.12× · Lower than median

Valuation Multiples vs Grocery Stores median · lower = cheaper

P/E (TTM) 9.4× · Cheaper than 75% of peers
P/FCF 0.0× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 36
FUTURE 10 · sector 17
PAST 51 · sector 51
HEALTH 94 · sector 92
DIVIDEND 61 · sector 48

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Grocery Stores stocks, each showing price versus our Fair Value estimate (as of Jul 24, 2026).

Stock Price Fair Value vs Fair Value
Loblaw Companies Limited L C$65.49 C$44.44 -32%
Koninklijke Ahold Delhaize N.V AD €36.30 €53.50 +47%
The Kroger Co KR $58.82 $28.19 -52%
Woolworths Group WOW A$39.20 A$13.40 -66%
George Weston Limited WN C$100.98 C$63.61 -37%
Coles Group COL A$23.56 A$15.86 -33%
Metro Inc MRU C$93.64 C$94.01 +0%
Carrefour SA CA €16.40 €11.51 -30%
CP ALL Public Company TCPD 1.89 SGD 2.36 SGD +25%
BIM Birlesik Magazalar A.S., BIMAS 385.75 TRY 267.12 TRY -31%

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Frequently asked questions

Is Life Corporation (LIFCF) overvalued or undervalued?
As of Jul 24, 2026, our model estimates a fair value of $26.54 versus a price of $11.02, about +141% (undervalued).
What is the fair value of LIFCF?
Our model-based fair value for Life Corporation is $26.54 (as of Jul 24, 2026), built from audited fundamentals. The current price is $11.02.
What is the quality score of LIFCF?
Life Corporation has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Life Corporation (LIFCF)?
Life Corporation reported trailing-twelve-month revenue of about $881B (latest available figure, as of Jul 24, 2026).
What is the net profit margin of LIFCF?
The net profit margin of Life Corporation is about 2.1%, meaning it keeps roughly 2.1% of revenue as net income. Based on the latest reported figures.
Does Life Corporation pay a dividend?
Life Corporation currently shows a dividend yield of about 3.03% relative to its recent price (as of Jul 24, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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