LIC Housing Finance Ltd

LIC Housing Finance is engaged in the business of providing finance for purchase, construction, repairs, renovation of house/buildings.(Source : 201903 Annual Report Page No: 151)

Pros:
Cons:
Company has low interest coverage ratio.

Peer Comparison Sector: Finance // Industry: Finance - Housing

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Quarterly Results Standalone Figures in Rs. Crores / View Consolidated

Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Revenue 3,456 3,528 3,643 3,627 3,751 3,626 3,888 4,059 4,202 4,439 4,658 4,807
Interest 2,563 2,597 2,570 2,698 2,780 2,823 2,849 3,025 3,138 3,330 3,398 3,603
164 184 283 293 337 82 222 243 322 247 270 354
Financing Profit 729 747 790 636 634 720 816 791 742 862 989 851
Financing Margin % 21% 21% 22% 18% 17% 20% 21% 19% 18% 19% 21% 18%
Other Income 33 21 19 21 8 0 0 0 6 0 0 0
Depreciation 2 2 2 2 2 2 3 3 3 3 3 10
Profit before tax 761 766 806 655 640 718 814 788 745 860 986 841
Tax % 35% 35% 34% 27% 20% 34% 27% 28% 23% 31% 30% 27%
Net Profit 495 499 529 480 514 475 594 568 573 596 694 611
EPS in Rs 9.80 9.89 10.49 9.50 10.18 9.41 11.78 11.25 11.36 11.82 13.74 12.10
Gross NPA % 0.57% 0.56% 0.43% 0.72% 0.80% 0.87% 0.78% 1.21% 1.20% 1.26% 1.53% 0.00%
Net NPA % 0.28% 0.27% 0.14% 0.38% 0.43% 0.49% 0.43% 0.00% 0.81% 0.85% 1.07% 0.00%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
Revenue 2,169 2,883 3,467 4,857 6,203 7,647 9,301 10,782 12,474 14,072 14,841 17,362 18,106
Interest 1,494 2,017 2,396 3,098 4,591 5,925 7,174 8,310 9,307 10,231 11,144 12,892 13,469
170 164 157 471 386 353 327 377 605 884 921 1,079 1,192
Financing Profit 505 702 915 1,289 1,226 1,370 1,800 2,095 2,561 2,957 2,775 3,391 3,445
Financing Margin % 23% 24% 26% 27% 20% 18% 19% 19% 21% 21% 19% 20% 19%
Other Income 31 30 3 12 12 11 34 16 12 8 0 0 7
Depreciation 4 5 6 6 7 8 8 9 10 9 10 12 19
Profit before tax 532 726 911 1,294 1,231 1,374 1,826 2,102 2,564 2,956 2,766 3,380 3,432
Tax % 27% 27% 27% 25% 26% 26% 28% 34% 35% 35% 28% 28%
Net Profit 387 532 662 974 914 1,023 1,317 1,386 1,661 1,931 2,002 2,431 2,474
EPS in Rs 8.77 12.07 13.43 19.95 17.52 19.62 25.32 26.46 31.79 38.24 39.66 48.14 49.02
Dividend Payout % 22% 21% 22% 17% 20% 19% 17% 18% 17% 16% 17% 16%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:19.67%
5 Years:13.30%
3 Years:11.65%
TTM:18.15%
Compounded Profit Growth
10 Years:16.42%
5 Years:13.04%
3 Years:13.54%
TTM:14.99%
Return on Equity
10 Years:18.15%
5 Years:17.37%
3 Years:16.74%
Last Year:15.94%

Balance Sheet Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
85 85 95 95 101 101 101 101 101 101 101 101
Reserves 1,747 2,149 3,293 4,074 5,581 6,380 7,432 7,717 9,045 10,976 14,140 16,158
Borrowings 20,344 25,422 34,758 45,163 56,087 68,764 82,036 96,532 110,931 126,337 150,914 176,338
1,183 1,730 2,099 3,208 4,000 5,318 6,211 8,453 10,726 13,874 7,447 9,516
Total Liabilities 23,359 29,385 40,245 52,540 65,770 80,563 95,780 112,804 130,803 151,288 172,603 202,113
23 32 34 34 62 62 76 80 92 97 97 136
CWIP 7 2 2 0 0 0 0 0 0 0 0 0
Investments 775 1,129 1,389 165 164 185 199 237 277 527 1,972 3,595
22,555 28,221 38,821 52,341 65,543 80,316 95,505 112,487 130,434 150,665 170,533 198,382
Total Assets 23,359 29,385 40,245 52,540 65,770 80,563 95,780 112,804 130,803 151,288 172,603 202,113

Cash Flows Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
-3,877 -4,909 -9,502 -10,454 -11,608 -12,586 -11,503 -14,354 -13,036 -14,279 -19,005 -21,529
-521 -298 -222 103 -35 -27 -21 -51 -61 -283 1,380 -1,656
3,982 4,978 9,856 10,238 11,542 12,466 13,048 14,231 14,098 15,073 18,085 24,078
Net Cash Flow -416 -229 132 -113 -101 -146 1,525 -174 1,001 511 460 893

Ratios Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 23% 26% 24% 26% 19% 17% 19% 18% 20% 19% 16% 16%

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