LIC Housing Finance logo

LIC Housing Finance

LICHSGFIN NSE

Key Fundamentals

SmallcapHousing FinanceFinancial Services
Market Cap
₹30,344 Cr
P/E (TTM)
5.29
EBITDA
₹26,992 Cr
Return on Equity
13.53%
Debt to Equity
7.05
Book Value
₹753.17
EPS (TTM)
₹104.33
52W High
₹598.20
52W Low
₹458.90

Price-based figures as of 9 Oct 2026, 3:54 pm IST · EPS basis: Consolidated · TTM

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

1
  • Stock is trading at 0.71 times its book value

Weaknesses

3
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.72% over past five years.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
2.64% lower than 3Y
Net Income Growth
2.97% lower than 3Y
Cash Flow Change
49.91% higher than 3Y
EBITDA Margin (Avg.)
-0.8% lower than 3Y

AI Analysis — Bull vs Bear

Figures as of 8 Oct 2026
AI opinion · based on fundamentals
Risk medium

As of the 2026-10-08 close, LIC Housing Finance traded at ₹537, giving a market capitalisation of ₹29,538.38 crore, a trailing P/E of 5.15 and a price-to-book of 0.71. That valuation sits alongside a TTM ROE of 13.53% and 3-year compounded profit growth of 25%. However, TTM sales growth is 0%, TTM profit growth has slowed to 4%, and the stock has returned -12% over 1 year and -2% CAGR over 10 years.

Bull Case 7
  • The trailing P/E is 5.15 on TTM EPS of ₹104.33, which works out to an earnings yield of about 19.4% at the ₹537 price as of 2026-10-08.
  • The price-to-book ratio is 0.71, so the stock trades below book value. That implies a book value of roughly ₹756 per share against a ₹537 price as of 2026-10-08.
  • Profit has compounded at 25% over 3 years, 15% over 5 years and 13% over 10 years. That is well above the 8-9% sales CAGR over the same periods, which points to better profitability over time.
  • ROE has stayed in a narrow 14-15% range: 15% over 3 years, 14% over 5 and 10 years, and 13.53% TTM. That suggests returns have held up across credit cycles.
  • The dividend yield is 1.94% as of 2026-10-08. Against EPS of ₹104.33, that implies a payout of only about 10%, leaving most earnings available to fund loan book growth.
  • A sustained ROE of 13.53% paired with a P/B of 0.71 means the market values the company's equity below book even though it earns double-digit returns on it.
  • As of 2026-10-08, the price of ₹537 is about 10.2% below the 52-week high of ₹598.2 and about 17.0% above the 52-week low of ₹458.9. That puts the stock in the middle of its 1-year range rather than at a peak.
Bear Case 7
  • TTM sales growth is 0% and 5-year sales CAGR is only 7.72%, which points to a slowing loan book or yield compression in a competitive home-loan market.
  • Profit growth has slowed sharply, from a 25% 3-year CAGR to 4% TTM. That suggests the earlier strong earnings growth may not be repeating.
  • The stock has created little long-term value. Its CAGR is -2% over 10 years, 3% over 5 years and 3% over 3 years, and it returned -12% over the last year. The low valuation has persisted rather than closed.
  • The company has a low interest coverage ratio, and ROCE is only 9.36% against ROE of 13.53%. That gap reflects heavy reliance on borrowed funds and high sensitivity to funding costs.
  • The data flags that the company might be capitalising interest cost, which could make reported earnings look better. This is relevant when weighing the 5.15 P/E and TTM EPS of ₹104.33.
  • ROE has drifted down from 15% over 3 years to 14% last year and 13.53% TTM. That is a modest but visible decline in return on equity.
  • A debt-to-equity figure is not available in the data, so leverage can't be assessed directly. That limits visibility into the balance-sheet risk behind the 13.53% ROE.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

1d ago
Neutral 2
  • ₹76 crore large trade on BSE Oct 8

    About 1,417,103 shares worth ₹76.03 crore changed hands on BSE at ₹536.50 in a real-time large-trade signal. The exchange has not confirmed it as a block or bulk deal, and buyer and seller identities are still undisclosed.

  • Sandeep Kumar MD & CEO vote Sep 22

    LIC Housing Finance issued a postal ballot notice asking shareholders to approve Sandeep Kumar as Managing Director and CEO. Voting runs until October 22, 2026.

TL;DR: The recent news on LIC Housing Finance is limited and neutral, with no clear operating catalysts in either direction. The ₹76.03 crore trade at ₹536.50 shows institutional interest, but the direction can't be read until the exchange names the counterparties. The shareholder vote on Sandeep Kumar as MD & CEO is a routine governance step that should keep leadership continuity. Over the next few weeks, the things to watch are the October 22 ballot result, any block or bulk deal disclosure, and upcoming quarterly numbers on loan growth, margins and asset quality.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
6,759
6,765
6,804
6,948
6,797
6,938
7,070
7,303
7,186
7,179
7,206
7,094
7,083
Expenses
602
670
686
800
392
372
297
546
410
450
474
346
210
Financing Profit
1,664
1,496
1,473
1,500
1,656
1,687
1,823
1,806
1,729
1,735
1,790
1,962
1,926
Fin. Margin %
25%
22%
22%
22%
24%
24%
26%
25%
24%
24%
25%
28%
27%
Other Income
0
0
0
0
2
2
1
0
0
1
6
2
5
Interest
4,493
4,600
4,646
4,649
4,749
4,879
4,950
4,951
5,047
4,994
4,942
4,786
4,946
Depreciation
19
13
18
18
22
24
25
26
25
32
34
31
30
PBT
1,645
1,483
1,454
1,482
1,635
1,665
1,798
1,780
1,705
1,703
1,762
1,933
1,901
Tax %
20%
20%
20%
27%
20%
20%
20%
23%
20%
21%
21%
23%
21%
Net Profit
1,319
1,192
1,169
1,082
1,306
1,328
1,435
1,374
1,364
1,349
1,398
1,493
1,499
EPS in Rs
23.98
21.67
21.25
19.66
23.75
24.14
26.09
24.97
24.8
24.53
25.42
27.13
27.25
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
10,812
12,491
14,092
14,876
17,398
19,740
19,886
19,978
22,717
27,277
28,098
28,838
28,562
Expenses
390
611
887
940
1,104
1,592
2,012
3,012
2,964
2,756
1,595
1,851
1,481
Financing Profit
2,112
2,573
2,974
2,792
3,404
3,367
3,423
2,815
3,618
6,133
6,971
7,216
7,413
Fin. Margin %
20%
21%
21%
19%
20%
17%
17%
14%
16%
22%
25%
25%
26%
Other Income
17
12
9
0
0
-33
-5
27
11
4
6
9
14
Interest
8,310
9,307
10,231
11,144
12,891
14,781
14,450
14,151
16,135
18,388
19,532
19,771
19,669
Depreciation
10
10
10
10
12
51
52
55
69
69
98
122
127
PBT
2,119
2,575
2,973
2,782
3,392
3,282
3,365
2,787
3,561
6,068
6,879
7,103
7,300
Tax %
34%
35%
35%
28%
28%
27%
19%
18%
19%
22%
21%
21%
—
Net Profit
1,396
1,668
1,942
2,008
2,434
2,404
2,741
2,286
2,891
4,763
5,443
5,604
5,739
EPS in Rs
27.65
33.05
38.49
39.79
48.23
47.62
54.31
41.55
52.55
86.59
98.94
102
104
Div. Payout %
18%
17%
16%
17%
16%
17%
16%
20%
16%
10%
10%
10%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
101
101
101
101
101
101
101
110
110
110
110
110
Reserves
7,779
9,114
11,055
14,210
16,230
18,164
20,500
24,641
27,075
31,367
36,242
41,319
Borrowing
96,532
1,10,931
1,26,337
1,50,913
1,70,657
1,91,428
2,07,925
2,23,757
2,44,913
2,52,618
2,70,726
2,77,539
Other Liabilities
8,218
10,441
13,504
6,004
13,719
7,227
7,195
6,179
6,461
7,198
6,940
6,245
Total Liabilities
1,12,630
1,30,587
1,50,997
1,71,228
2,00,707
2,16,920
2,35,721
2,54,687
2,78,559
2,91,293
3,14,018
3,25,213
Fixed Assets
90
102
102
129
168
294
282
315
388
389
377
416
CWIP
0
0
5
3
2
3
6
4
1
0
52
0
Investments
241
280
537
2,008
3,617
5,485
4,644
6,279
7,050
6,337
6,941
5,132
Other Assets
1,12,298
1,30,204
1,50,352
1,69,088
1,96,920
2,11,138
2,30,789
2,48,088
2,71,120
2,84,567
3,06,647
3,19,664
Total Assets
1,12,630
1,30,587
1,50,997
1,71,228
2,00,707
2,16,920
2,35,721
2,54,687
2,78,559
2,91,293
3,14,018
3,25,213
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-14,345
-13,039
-14,273
-18,977
-21,538
-14,738
-11,324
-16,729
-19,632
-7,151
-16,978
-8,504
Investing
-58
-58
-278
1,368
-1,642
-1,851
858
-1,629
-800
587
-679
1,752
Financing
14,232
14,098
15,072
18,074
24,068
15,156
10,428
17,850
20,249
7,346
17,534
6,192
Net Cash Flow
-171
1,001
521
465
887
-1,434
-37
-508
-183
781
-123
-560
Free Cash Flow
-14,364
-13,062
-14,288
-19,012
-21,588
-14,752
-11,334
-16,765
-19,673
-7,188
-17,051
-8,556
CFO/OP
-132
-104
-100
-129
-126
-76
-60
-92
-94
-23
-60
-27
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
18%
20%
19%
16%
16%
14%
14%
10%
11%
16%
16%
14%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

Others2.53%Promot.45.24%Public9.74%DIIs21.02%FIIs21.47%As ofJun 2026

Documents

Frequently Asked Questions about LIC Housing Finance

What does LIC Housing Finance Ltd do?
LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residential flats / houses to individuals and project finance to developers, Loan against Property (LAP), Lease Rental Discounting (L...
Where is LIC Housing Finance Ltd (LICHSGFIN) listed?
LIC Housing Finance Ltd trades as LICHSGFIN on the NSE and under code 500253 on the BSE.
Which sector does LIC Housing Finance Ltd belong to?
LIC Housing Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of LIC Housing Finance Ltd?
LIC Housing Finance Ltd has a market capitalisation of ₹30,344 Cr as of 9 Oct 2026, which places it in the Large Cap band.
What is the PE ratio of LIC Housing Finance Ltd?
LIC Housing Finance Ltd trades at a PE ratio of 5.29 as of 9 Oct 2026, on earnings per share of ₹104.33, against a book value of ₹753.17 per share.
What is the 52-week high and low of LIC Housing Finance Ltd?
Over the last 52 weeks LIC Housing Finance Ltd has traded between ₹458.9 and ₹598.2 as of 9 Oct 2026.
Does LIC Housing Finance Ltd pay dividends?
LIC Housing Finance Ltd has a dividend yield of 1.86%.
What is the Return on Equity (ROE) of LIC Housing Finance Ltd?
LIC Housing Finance Ltd reported a return on equity of 13.53%. Its debt-to-equity ratio is 7.05.

Company Information

LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residential flats / houses to individuals and project finance to developers, Loan against Property (LAP), Lease Rental Discounting (LRD)for commercial properties as well as purchase of commercial shops/showrooms. etc.(Source : 201903 Annual Report Page No: 36 and 50)

Website lichousing.com
CEO Mr. Tribhuwan Adhikari
Employees 2,352
Listed 1998-07-29
Face Value ₹ 2
Shares Outstanding 55,00,63,000

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