LIC Housing Finance Ltd logo

LIC Housing Finance Ltd

LICHSGFIN NSE

Key Fundamentals

SmallcapHousing FinanceFinancial Services
Market Cap
₹28,741 Cr
Volatility
Moderate
P/E Ratio
5.03
EBITDA
₹26,992 Cr
Return on Equity
13.53%
Debt to Equity
7.05
Book Value
₹753.17
EPS
₹86.33
52W High
₹598.2
52W Low
₹458.9

Insights

Beta

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

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19 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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

Technical Indicators

Key Insights

Strengths

1
  • Stock is trading at 0.67 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% ↗
Net Income Growth
2.97% ↗
Cash Flow Change
49.91% ↗
ROE
-9.62% ↘
ROCE
-3.01% ↘
EBITDA Margin (Avg.)
-0.80% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 6d ago
AI opinion · based on fundamentals
Risk medium

LIC Housing Finance trades at a P/E of 4.8x and P/B of 0.66x with a market cap of ₹27,484 crore, reflecting deep value metrics but also muted loan book growth of ~7% and NIM compression from 3.08% in FY24 to 2.73% in FY25. The company reported a 25% PAT increase in Q4 FY25 aided by sharply lower provisions, while GNPA improved to 2.46%.

Bull Case 8
  • Stock trades at 0.66x book value, well below the 1x P/B typically assigned to housing finance companies with 14-15% ROE
  • P/E of 4.8x is significantly below the NBFC/HFC sector average of 15-20x, indicating potential undervaluation
  • Q4 FY25 PAT grew 25% YoY driven by lower credit cost — provisions fell to ₹109 crore from ₹428 crore a year earlier
  • GNPA improved to 2.46% in Q4 FY25 from 3.31% in FY24, showing consistent asset quality improvement
  • Aggregate ECL provisions of ₹4,899 crore provide a substantial buffer against future credit losses
  • Compounded profit CAGR of 25% over 3 years and 15% over 5 years demonstrates earnings recovery trajectory
  • Dividend yield of 2.01% provides income support while the stock underperforms — 10-year stock CAGR is -1%
  • Loan portfolio reached ₹3,07,732 crore as of March 2025, growing 7.38% YoY, with management guiding for double-digit growth ahead
Bear Case 8
  • NIM compressed sharply from 3.08% in FY24 to 2.73% in FY25, squeezing core profitability
  • Revenue growth is stagnant at 0% TTM and only 8% CAGR over 5 years, lagging faster-growing HFC peers
  • Low interest coverage ratio indicates vulnerability to rising borrowing costs or further spread compression
  • Stock has delivered -14% return over 1 year and -1% CAGR over 10 years, reflecting persistent market skepticism
  • Disbursement growth was modest at 5% YoY in Q4 FY25 (₹19,156 crore vs ₹18,232 crore), suggesting competitive pressure
  • Company may be capitalizing interest costs, which could overstate reported profitability and asset values
  • Intense competition from banks and larger HFCs is pressuring margins — Q2 FY25 NIM fell to 2.71% with NII declining 6% YoY
  • Sales growth of 7.72% over 5 years is well below the 15-18% loan growth delivered by leading private HFCs

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

AI News Digest

Anthropic anthropic claude-opus-4.6 5h ago
Positives 3
  • Q1FY27 PAT up 9.4% Jul 30

    Net profit rose 9.4% YoY to ₹1,488.32 crore in Q1FY27. Total disbursements grew 14.5% to ₹15,014 crore, driven by project loans.

  • FY26 PAT up, loan book ₹3.20L Cr Aug 4

    FY26 PAT of ₹5,595 crore, up 3% YoY. Loan portfolio crossed ₹3.20 lakh crore with board recommending 500% dividend (₹10/share).

  • ₹55,000 Cr NCD issuance approved Aug 4

    37th AGM on August 28, 2026 to approve ₹55,000 crore NCD issuance limit, strengthening the company's borrowing capacity for growth.

Neutral 3
  • Q1FY27 call transcript uploaded Aug 5

    Transcript of Q1FY27 earnings conference call uploaded to website per SEBI LODR regulations, covering results for quarter ended June 30, 2026.

  • New CS appointed at subsidiary Aug 1

    Varsha Hardasani appointed Company Secretary of LICHFL Care Homes Limited effective August 1, 2026, held as additional charge.

  • Q1FY27 earnings call scheduled Jul 28

    Earnings call hosted on July 31, 2026 at 11:30 AM IST to discuss unaudited Q1FY27 financial results.

TL;DR: LIC Housing Finance is delivering steady growth with Q1FY27 profit up 9.4% and strong 14.5% disbursement growth. The loan book crossing ₹3.20 lakh crore and a generous 500% dividend signal confidence. No material headwinds are visible in recent news flow. The ₹55,000 crore NCD authority suggests management is positioning for continued loan book expansion in FY27.

Quarterly Results

  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

  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

  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

  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

  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%

Shareholding Pattern

As of Jun 2026
Promoters 45.24%
FIIs 21.47%
DIIs 21.02%
Public 9.74%
Others 2.53%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
40.31%
40.31%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
45.24%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
22.59%
23.19%
21.95%
21.23%
21.55%
20.26%
20.17%
20.36%
21.39%
21.47%
DIIs
16.56%
15.25%
14.80%
14.74%
16.16%
19.09%
20.61%
22.74%
24.18%
24.83%
21.36%
21.66%
21.99%
21.22%
20.52%
21.45%
21.34%
22.20%
22.14%
21.81%
20.89%
21.02%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
10.06%
10.54%
11.10%
12.01%
12.64%
12.37%
10.30%
10.29%
10.60%
10.19%
9.64%
8.78%
8.13%
8.29%
9.93%
9.77%
9.60%
9.94%
9.86%
10.09%
9.98%
9.74%
Others
33.07%
33.90%
28.86%
28.01%
25.96%
23.30%
23.85%
21.73%
19.98%
19.74%
23.76%
24.32%
2.05%
2.06%
2.36%
2.31%
2.27%
2.36%
2.59%
2.51%
2.50%
2.53%
No. of Shareholders
0
2,96,570
3,23,148
3,84,414
4,16,146
4,52,133
4,42,359
3,77,701
3,62,974
3,49,173
3,24,814
3,05,862
2,97,899
3,03,961
3,61,857
3,66,899
3,64,182
3,64,388
3,58,982
3,52,873
3,47,941
3,37,873

Documents

Frequently Asked Questions about LIC Housing Finance Ltd

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 is listed on the Indian stock exchanges. It is listed on NSE: LICHSGFIN and BSE: 500253. You can view its live share price, financials, and ratios on Tapetide.
Which sector does LIC Housing Finance Ltd belong to?
LIC Housing Finance Ltd operates in the Financial Services sector within the Housing Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of LIC Housing Finance Ltd?
LIC Housing Finance Ltd has a market capitalisation of approximately ₹28740.79 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of LIC Housing Finance Ltd?
The Price-to-Earnings (PE) ratio of LIC Housing Finance Ltd is 5.03. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of LIC Housing Finance Ltd?
Over the past 52 weeks, LIC Housing Finance Ltd has traded between a low of ₹458.9 and a high of ₹598.2. This range helps investors understand the stock's price volatility and recent trading levels.
Does LIC Housing Finance Ltd pay dividends?
Yes, LIC Housing Finance Ltd has a dividend yield of 1.98%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of LIC Housing Finance Ltd?
LIC Housing Finance Ltd has a Return on Equity (ROE) of 13.53%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research LIC Housing Finance Ltd on Tapetide?
On Tapetide, you can view LIC Housing Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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
Issued Size 55,00,63,000

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