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LIC Housing Finance Limited LICHSGFIN NIFTY_MIDNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.lichousing.com
Company Profile ↓
₹552.45
-7.15% 1Y
Mkt Cap₹30,388.23 Cr
P/E5.42
P/B0.73
Div. Yield1.82%
52W High₹627.20
52W Low₹460.70
Book Value₹753.17
EPS (TTM)₹101.87

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 24.7% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 11.8% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 5.4, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 62.9%.

Recent Developments

  • Mar 2026 Revenue of ₹8,913.63 Cr (+5.7% YoY); net profit ₹5,603.67 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +5.7%, earnings +3.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 11.8%, profit CAGR 24.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:11.79%
1 Year:5.73%

Compounded Profit Growth

5 Years:24.69%
1 Year:2.97%

Stock Price Performance

1 Year:-7.15%
6 Months:+4.65%
3 Months:+3.29%
1 Month:-0.25%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 55% of range
₹460.70 ₹627.20
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)52.47 · Neutral
Price Performance
1M-0.25%
3M+3.29%
6M+4.65%
1Y-7.15%
Valuation vs Sector

P/E of 5.42 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 62.9%.
  • Compounding revenue at 11.8% over 5 years.
  • Profit CAGR of 24.7% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
5.42
Industry PE
19.81
Forward P/E
4.91
PEG Ratio
-
Book Value
₹753.17
Price to Book
0.73
P/S
3.56
EV/EBITDA
-
Dividend Yield
1.82%

Growth (CAGR)

Revenue 5Y
11.79%
Profit 5Y
24.69%
Revenue (YoY)
5.73%
Earnings (YoY)
2.97%

Profitability & Returns

ROCE
-
ROE
13.53%
ROA
1.72%
Profit Margin
62.87%
Op Margin
81.48%
Gross Margin
98.50%
EPS (Latest Qtr)
₹27.13
EPS (TTM)
₹101.87

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
74.31%
Chg in FII Hold
0.11%

Financial Snapshot

Enterprise Value
₹30,388.23 Cr
Total Revenue (TTM)
₹8,913.63 Cr
EBITDA
-
Free Cash Flow
₹-8,555.86 Cr
Operating Cash Flow
₹-8,503.83 Cr
Shares Outstanding
₹55.01 Cr
Gross Margin
98.50%
Payout Ratio
9.82%

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 552.45 5.42 ₹30,388.23 Cr 1.82% - 13.53% 11.79% 24.69%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 6,431.00 Cr6,759.00 Cr6,765.00 Cr6,804.00 Cr6,948.00 Cr6,797.00 Cr6,938.00 Cr2,096.08 Cr2,295.28 Cr2,189.40 Cr7,179.00 Cr2,249.93 Cr2,362.18 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 582.00 Cr602.00 Cr670.00 Cr686.00 Cr800.00 Cr392.00 Cr372.00 Cr342.27 Cr411.14 Cr292.21 Cr450.00 Cr334.81 Cr356.75 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 4,378.00 Cr4,493.00 Cr4,600.00 Cr4,646.00 Cr4,649.00 Cr4,749.00 Cr4,879.00 Cr4,950.41 Cr4,951.12 Cr5,046.01 Cr4,994.00 Cr4,940.87 Cr4,786.36 Cr
Pretax Income 1,453.00 Cr1,645.00 Cr1,483.00 Cr1,454.00 Cr1,482.00 Cr1,635.00 Cr1,665.00 Cr1,798.31 Cr1,780.06 Cr1,704.60 Cr1,703.00 Cr1,762.42 Cr1,933.47 Cr
Tax Provision 261.54 Cr329.00 Cr296.60 Cr290.80 Cr400.14 Cr327.00 Cr333.00 Cr363.42 Cr406.43 Cr340.60 Cr357.63 Cr364.15 Cr440.84 Cr
Net Income 1,191.00 Cr1,319.00 Cr1,192.00 Cr1,169.00 Cr1,082.00 Cr1,306.00 Cr1,328.00 Cr1,434.84 Cr1,373.39 Cr1,363.89 Cr1,349.00 Cr1,398.02 Cr1,492.54 Cr
Diluted EPS 21.6523.9821.6721.2519.6623.7524.1426.0924.9724.8024.5325.4227.13

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 10,812.00 Cr12,491.00 Cr14,092.00 Cr14,876.00 Cr17,398.00 Cr19,740.00 Cr19,886.00 Cr-6,379.66 Cr8,676.74 Cr8,430.37 Cr8,913.63 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 390.00 Cr611.00 Cr887.00 Cr940.00 Cr1,104.00 Cr1,592.00 Cr2,012.00 Cr-883.21 Cr1,030.19 Cr1,293.35 Cr1,259.45 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 8,310.00 Cr9,307.00 Cr10,231.00 Cr11,144.00 Cr12,891.00 Cr14,781.00 Cr14,450.00 Cr-16,134.76 Cr18,387.87 Cr19,532.23 Cr19,770.55 Cr
Pretax Income 2,119.00 Cr2,575.00 Cr2,973.00 Cr2,782.00 Cr3,392.00 Cr3,282.00 Cr3,365.00 Cr-3,560.77 Cr6,068.13 Cr6,878.86 Cr7,103.47 Cr
Tax Provision 720.46 Cr901.25 Cr1,040.55 Cr778.96 Cr949.76 Cr886.14 Cr639.35 Cr-669.60 Cr1,304.81 Cr1,436.16 Cr1,499.23 Cr
Net Income 1,396.00 Cr1,668.00 Cr1,942.00 Cr2,008.00 Cr2,434.00 Cr2,404.00 Cr2,741.00 Cr-2,890.77 Cr4,762.97 Cr5,442.23 Cr5,603.67 Cr
Diluted EPS 27.6533.0538.4939.7948.2347.6254.31-52.5586.5398.95101.87

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1.13 L Cr1.31 L Cr1.51 L Cr1.71 L Cr2.01 L Cr2.17 L Cr2.36 L Cr-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 7,880.00 Cr9,215.00 Cr11,156.00 Cr14,311.00 Cr16,331.00 Cr18,265.00 Cr20,601.00 Cr-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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -14,345.00 Cr-13,039.00 Cr-14,273.00 Cr-18,977.00 Cr-21,538.00 Cr-14,738.00 Cr-17,140.00 Cr--19,632.00 Cr-7,151.41 Cr-16,977.97 Cr-8,503.83 Cr
Investing Cash Flow -58.00 Cr-58.00 Cr-278.00 Cr1,368.00 Cr-1,642.00 Cr-1,851.00 Cr858.00 Cr--799.67 Cr587.29 Cr-678.97 Cr1,752.04 Cr
Financing Cash Flow 14,232.00 Cr14,098.00 Cr15,072.00 Cr18,074.00 Cr24,068.00 Cr15,156.00 Cr16,245.00 Cr-20,248.69 Cr7,345.57 Cr17,533.93 Cr6,191.79 Cr
Capital Expenditure -19.00 Cr-23.00 Cr-15.00 Cr-35.00 Cr-50.00 Cr-14.00 Cr-11.00 Cr--64.10 Cr-37.45 Cr-73.36 Cr-52.03 Cr
Free Cash Flow -14,364.00 Cr-13,062.00 Cr-14,288.00 Cr-19,012.00 Cr-21,588.00 Cr-14,752.00 Cr-17,151.00 Cr--19,696.10 Cr-7,188.86 Cr-17,051.33 Cr-8,555.86 Cr
Net Change in Cash -171.00 Cr1,001.00 Cr521.00 Cr465.00 Cr887.00 Cr-1,434.00 Cr-37.00 Cr--182.98 Cr781.45 Cr-123.01 Cr-560.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 12.9%13.4%13.8%13.5%14.0%12.2%13.8%-45.3%54.9%64.6%62.9%
ROE % 17.7%18.1%17.4%14.0%14.9%13.2%13.3%-10.6%15.1%15.0%13.5%
ROCE % ------------

Shareholding Pattern

Insiders
2.34%
Institutions
74.31%
Public Float
76.10%

Analyst View

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Latest News

Recent headlines for LICHSGFIN

Google News Mon, 09 Feb 2026

Those who invested in LIC Housing Finance (NSE:LICHSGFIN) three years ago are up 44% - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi8wFBVV95cUxPRG9tZm1FOVBNOS1DZ05MbUJFNlN1M0tjdWRJZ3VHcHJYc1hNaFYxZEc1eWxIT3NQXzJPMnZfUW4zTmxIbVhSQXRPc3B0YWlNdl9EU1FwdUtFdDR3VW1LZ3djbHlVa3hPdUhLSXZTMHBOWVhzcUVlX0c0azNJanRYODVxSnVtLTlGUk1xTj…

Google News Fri, 10 Jul 2026

LICHSGFIN Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

<a href="https://news.google.com/rss/articles/CBMibEFVX3lxTE9sbTJ0M25PRUo5ODk0ZnAybTczMXlXZEVhWGMxUXZDT2JRQWxvSS1sNFBtVlZfTVZac1plbzV0WmFLMWR5amJRcmQ0Z2VjZHJaLWwzNzMzTnVtN3VocjRmWkZFamdTTzE1SnRCTw?oc=5" target="_blank">LICHSGFIN Outlook for…

Google News Mon, 06 Jul 2026

LIC Housing Finance Limited announces Annual dividend, payable on September 27, 2026 - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi0AFBVV95cUxNQVhPYm12MGQ4eUV4SkNjZjNJenFESnkyX3lfLWxjeGt6cjRUenlwMHFGWTFza3YteWNoeDF5dGx2LTJMak1lV2VQVHZQT0MycGl2UUNQd2Z2VUk5X08taW91eG5sZlZKU1VWS2hiVi1jS2xSM21tWE5UZ19QckR1elZTdHZ4RW1ZR0xFQn…

Google News Mon, 12 Jan 2026

Lacklustre Performance Is Driving LIC Housing Finance Limited's (NSE:LICHSGFIN) Low P/E - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi8wFBVV95cUxQNHNlNDNON0t2TU9BQ21jN2FrUTRFOGo3VW55Q0t5ZXc2ZUoyN1FkemFrOUZlQktCTmFoOTJVclEtU2g2NUk0SnBpRjlyUmNISmJVa0FaNHRLZmpKd0cwSzRYWHoybjBJWDc5YUhGV20zYm9VVEFvTV9tdlQ5Zk5EUXRuRHlobjJBbkFBeH…

Google News Wed, 16 Apr 2025

LICHSGFIN Stock Price and Chart — NSE:LICHSGFIN - TradingView

<a href="https://news.google.com/rss/articles/CBMiX0FVX3lxTE1HTDl5NjZqZ3Z5NmtHcVFuTWRLTFR5eFlRY3YzWXpDR3NSWU1ET2xWN2xfMEkzNWZjMVNBbmpSMjhuSDlIMG1LYndiWnZjMEduQ2tBcXd5UnlJV19BNmFv?oc=5" target="_blank">LICHSGFIN Stock Price and Chart — NSE:L…

Google News ue, 16 Dec 2025

LIC Housing Finance Limited's (NSE:LICHSGFIN) top owners are public companies with 45% stake, while 37% is held by institutions - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi9gFBVV95cUxPcVdLempRV0kwZVNqRmV0SVJpcHFVUTdwOWlzNnp4a2JwNW1HUnZZaDJDU3Y5cDNyT0FqSl9GYVV0ZzVwSGVnMkhQLXltbUU3ZDc5ZkRHOUN5TFo5UVRZVnM1RzgxV2p3dzNzMVpJRlVsUF9pVm9OdHdwU2ZLc0FDSWxiOXZSTEhwTWZZTW…

LICHSGFIN — Frequently Asked Questions

What is the current share price of LIC Housing Finance Limited (LICHSGFIN)?

As of 2026-07-15 09:52 IST, LIC Housing Finance Limited (LICHSGFIN) trades at ₹552.45 on NSE. Its 52-week range is ₹460.70 to ₹627.20.

What is the market capitalisation of LICHSGFIN?

LIC Housing Finance Limited (LICHSGFIN) has a market capitalisation of ₹30,388.23 Cr on NSE.

What is the P/E ratio of LICHSGFIN?

LICHSGFIN trades at a trailing price-to-earnings (P/E) ratio of 5.42. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.73.

Does LICHSGFIN pay a dividend?

LIC Housing Finance Limited (LICHSGFIN) currently offers a dividend yield of 1.82%.

What is the return on equity (ROE) of LICHSGFIN?

LICHSGFIN has a return on equity (ROE) of 13.53%.

Is LICHSGFIN a good stock to buy?

This page provides a data-driven analysis of LIC Housing Finance Limited (LICHSGFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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