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LIC Housing Finance Limited LICHSGFIN NIFTY_MIDNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.lichousing.com

LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. The company offers public, green, and corporate deposits; home loans to residents and non-residents Indians, as well as to pensioners; plot loans, home improvement and renovation, construction, and home extension loans; refinance; construction finance and term loans for builders and developers; and loans for staff quarters and other lines of credit for corporates. It also provides loans against properties for companies and individuals; loans against rental securitization; and loans to professionals. In addition, the company develops, establishes, and operates assisted living community centers for elderly citizens; manages, advises, and administers private equity funds, including venture capital and alternate investment funds; offers asset management and trusteeship services; and markets housing loan, life and general insurance products, mutual funds, fixed deposits, and credit cards. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

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₹533.15
-8.98% 1Y

Market & Price

Market Cap
₹29,326.61 Cr
Current Price
₹533.15
High / Low (52W)
₹627.20 / ₹460.70
Beta
0.32

Valuation

Stock P/E
5.23
Industry PE
19.12
Forward P/E
4.75
PEG Ratio
-
Book Value
₹753.06
Price to Book
0.71
P/S
3.44
EV/EBITDA
-
Dividend Yield
1.88%

Profitability & Returns

ROCE
-
ROE
14.41%
ROA
1.75%
Profit Margin
65.78%
Op Margin
81.48%
EPS (Latest Qtr)
₹27.13
EPS (TTM)
₹101.88

Balance Sheet & Liquidity

Debt/Equity
6.43
Quick Ratio
27.00
Current Ratio
27.06
Debt
₹2.66 L Cr
Total Assets
₹3.25 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.34%
Chg in Prom Hold
-
FII / Inst Holding
77.25%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹2.94 L Cr
Total Revenue (TTM)
₹8,518.91 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-8,503.83 Cr
Shares Outstanding
₹55.01 Cr
Gross Margin
98.50%
Payout Ratio
9.82%

Growth (CAGR)

Revenue 5Y
11.79%
Profit 5Y
24.69%
Revenue (YoY)
4.40%
Earnings (YoY)
8.60%

PROS

  • Excellent profit margin of 65.8%.
  • Compounding revenue at 11.8% over 5 years.
  • Profit CAGR of 24.7% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 LICHSGFIN LIC Housing Finance Limited NIFTY_MIDNSEFINANCIAL 533.15 5.23 ₹29,326.61 Cr 1.88% - 14.41% 11.79% 24.69%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 2,096.08 Cr2,295.28 Cr2,189.40 Cr2,249.93 Cr2,362.18 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 342.27 Cr411.14 Cr292.21 Cr334.81 Cr356.75 Cr
Operating Income -----
EBITDA -----
Interest Expense 4,950.41 Cr4,951.12 Cr5,046.01 Cr4,940.87 Cr4,786.36 Cr
Pretax Income 1,798.31 Cr1,780.06 Cr1,704.60 Cr1,762.42 Cr1,933.47 Cr
Tax Provision 363.42 Cr406.43 Cr340.60 Cr364.15 Cr440.84 Cr
Net Income 1,434.84 Cr1,373.39 Cr1,363.89 Cr1,398.02 Cr1,492.54 Cr
Diluted EPS 26.0924.9724.8025.4227.13

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -6,379.66 Cr8,676.74 Cr8,430.37 Cr8,913.63 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -883.21 Cr1,030.19 Cr1,293.35 Cr1,259.45 Cr
Operating Income -----
EBITDA -----
Interest Expense -16,134.76 Cr18,387.87 Cr19,532.23 Cr19,770.55 Cr
Pretax Income -3,560.77 Cr6,068.13 Cr6,878.86 Cr7,103.47 Cr
Tax Provision -669.60 Cr1,304.81 Cr1,436.16 Cr1,499.23 Cr
Net Income -2,890.77 Cr4,762.97 Cr5,442.23 Cr5,603.67 Cr
Diluted EPS -52.5586.5398.95101.87

Compounded Sales Growth

5 Years:11.79%
1 Year:4.40%

Compounded Profit Growth

5 Years:24.69%
1 Year:8.60%

Stock Price Performance

1 Year:-8.98%
6 Months:-2.73%
3 Months:+0.21%
1 Month:-3.88%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -2.79 L Cr2.91 L Cr3.14 L Cr3.25 L Cr
Current Assets -----
Cash & Equivalents -843.77 Cr1,508.86 Cr1,438.01 Cr1,348.40 Cr
Inventory -----
Receivables -5.72 Cr13.79 Cr17.66 Cr7.71 Cr
Total Liabilities -2.51 L Cr2.60 L Cr2.78 L Cr2.84 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -2.33 L Cr2.43 L Cr2.63 L Cr2.66 L Cr
Total Equity -27,184.67 Cr31,476.66 Cr36,351.80 Cr41,428.93 Cr
Shares Outstanding -55.01 Cr55.01 Cr55.01 Cr55.01 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --19,632.00 Cr-7,151.41 Cr-16,977.97 Cr-8,503.83 Cr
Investing Cash Flow --799.67 Cr587.29 Cr-678.97 Cr1,752.04 Cr
Financing Cash Flow -20,248.69 Cr7,345.57 Cr17,533.93 Cr6,191.79 Cr
Capital Expenditure --64.10 Cr-37.45 Cr-73.36 Cr-52.03 Cr
Free Cash Flow --19,696.10 Cr-7,188.86 Cr-17,051.33 Cr-8,555.86 Cr
Net Change in Cash --182.98 Cr781.45 Cr-123.01 Cr-560.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -45.3%54.9%64.6%62.9%
ROE % -10.6%15.1%15.0%13.5%
ROCE % -----

Shareholding Pattern

Insiders
2.34%
Institutions
77.25%
Public Float
79.11%

Analyst View

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