LIC Housing Finance Ltd

LIC Housing Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

LIC Housing Finance Ltd

₹ 551 -0.28%
10 Jun 9:25 a.m.
lichousing.com BSE: 500253 NSE: LICHSGFIN
About

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)

Key Points

Largest HFC:[1]
The company is the largest housing finance company in India with a total loan portfolio of
~Rs. 3,21,000 Cr in FY26 vs ~Rs. 2,87,000 Cr in FY24

Website BSE NSE
  • Market Cap ₹ 30,359 Cr.
  • Current Price ₹ 551
  • High / Low ₹ 647 / 459
  • Stock P/E 5.41
  • Book Value ₹ 751
  • Dividend Yield 1.82 %
  • ROCE 8.58 %
  • ROE 14.4 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.74 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.70% over past five years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE 500 Nifty 500 Nifty Midcap 100 Nifty 200 Nifty Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
6,415 6,747 6,753 6,792 6,936 6,784 6,926 7,057 7,281 7,233 7,163 7,184 7,194
Interest 4,388 4,494 4,600 4,646 4,650 4,750 4,880 4,951 4,952 5,047 4,995 4,943 4,787
564 585 666 680 793 384 365 288 534 463 439 466 443
Financing Profit 1,463 1,667 1,486 1,466 1,493 1,650 1,681 1,817 1,795 1,723 1,730 1,775 1,964
Financing Margin % 23% 25% 22% 22% 22% 24% 24% 26% 25% 24% 24% 25% 27%
0 0 6 0 0 0 6 0 0 0 6 0 0
Depreciation 19 18 12 17 17 22 23 24 25 24 31 33 30
Profit before tax 1,445 1,649 1,480 1,449 1,476 1,628 1,664 1,793 1,770 1,699 1,705 1,743 1,934
Tax % 18% 20% 20% 20% 26% 20% 20% 20% 23% 20% 21% 21% 23%
1,180 1,324 1,188 1,163 1,091 1,300 1,329 1,432 1,368 1,360 1,354 1,384 1,497
EPS in Rs 21.46 24.06 21.60 21.14 19.83 23.64 24.16 26.03 24.87 24.72 24.61 25.16 27.22
Gross NPA % 4.49% 4.98% 4.33% 4.26% 3.31% 3.29% 3.05% 2.74% 2.47% 2.62% 2.51% 2.45% 2.15%
Net NPA % 2.70% 2.99% 2.59% 2.24% 1.63% 1.68% 1.57% 1.46% 1.22% 1.30% 1.19% 1.13% 1.08%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
10,782 12,474 14,072 14,841 17,364 19,703 19,853 19,926 22,663 27,234 28,056 28,765
Interest 8,310 9,307 10,231 11,144 12,892 14,784 14,453 14,177 16,186 18,391 19,532 19,775
377 605 884 921 1,082 1,569 1,997 2,945 2,866 2,725 1,575 1,798
Financing Profit 2,095 2,561 2,957 2,775 3,391 3,350 3,403 2,803 3,611 6,119 6,950 7,191
Financing Margin % 19% 21% 21% 19% 20% 17% 17% 14% 16% 22% 25% 25%
16 12 8 0 0 -33 -5 28 12 1 0 7
Depreciation 9 10 9 10 12 48 49 52 66 65 94 118
Profit before tax 2,102 2,564 2,956 2,766 3,380 3,269 3,349 2,778 3,557 6,054 6,856 7,081
Tax % 34% 35% 35% 28% 28% 27% 18% 18% 19% 21% 21% 21%
1,386 1,661 1,931 2,002 2,431 2,402 2,734 2,287 2,891 4,765 5,429 5,595
EPS in Rs 27.47 32.91 38.26 39.68 48.17 47.59 54.18 41.58 52.56 86.63 98.70 101.72
Dividend Payout % 18% 17% 16% 17% 16% 17% 16% 20% 16% 10% 10% -0%
Compounded Sales Growth
10 Years: 9%
5 Years: 8%
3 Years: 8%
TTM: 3%
Compounded Profit Growth
10 Years: 13%
5 Years: 15%
3 Years: 25%
TTM: 3%
Stock Price CAGR
10 Years: 2%
5 Years: 1%
3 Years: 15%
1 Year: -11%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 16%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 101 101 101 101 101 101 101 110 110 110 110 110
Reserves 7,717 9,045 10,976 14,140 16,158 18,092 20,420 24,562 26,990 31,285 36,147 41,215
Borrowing 96,532 110,931 126,337 150,914 170,667 191,458 207,983 223,801 244,950 252,662 270,775 277,597
8,195 10,421 13,486 5,934 13,657 7,155 7,129 6,094 6,362 7,111 6,895 6,183
Total Liabilities 112,545 130,498 150,900 171,090 200,583 216,806 235,633 254,567 278,412 291,168 313,927 325,106
80 92 97 97 136 254 243 286 356 361 351 384
CWIP -0 -0 -0 -0 -0 0 4 1 1 0 52 -0
Investments 237 277 527 1,972 3,595 5,496 4,636 6,199 6,976 6,277 7,142 5,050
112,228 130,129 150,277 169,021 196,853 211,055 230,751 248,081 271,079 284,530 306,382 319,671
Total Assets 112,545 130,498 150,900 171,090 200,583 216,806 235,633 254,567 278,412 291,168 313,927 325,106

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-14,354 -13,036 -14,279 -19,005 -21,529 -14,715 -17,195 -16,740 -19,612 -7,061 -16,689 -8,539
-51 -61 -283 1,380 -1,656 -1,879 884 -1,601 -830 579 -884 1,776
14,231 14,098 15,073 18,085 24,078 15,158 16,274 17,835 20,239 7,300 17,413 6,210
Net Cash Flow -174 1,001 511 460 893 -1,436 -37 -507 -203 818 -159 -553
Free Cash Flow -14,372 -13,058 -14,293 -19,015 -21,579 -14,729 -17,205 -16,775 -19,669 -7,098 -16,709 -8,591
CFO/OP -132% -104% -101% -130% -126% -76% -93% -92% -94% -23% -58% -27%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Insights

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Mar 2008 Mar 2013 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Number of Employees
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Number of Marketing Offices
Numbers
Outstanding Loan Portfolio
Rs. Cr
Stage 3 Exposure at Default (Gross NPA)
%
Total Disbursements
Rs. Cr
Net Interest Margin (NIM)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24%
17.15% 21.21% 21.91% 22.59% 23.19% 21.95% 21.24% 21.55% 20.25% 20.17% 20.36% 21.39%
25.03% 21.51% 21.76% 21.99% 21.22% 20.53% 21.44% 21.34% 22.20% 22.14% 21.81% 20.89%
12.56% 12.03% 11.09% 10.18% 10.36% 12.29% 12.08% 11.87% 12.31% 12.45% 12.60% 12.49%
No. of Shareholders 3,49,1733,24,8143,05,8622,97,8993,03,9613,61,8573,66,8993,64,1823,64,3883,58,9823,52,8733,47,941

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

Concalls