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

₹ 523 -3.29%
31 Jul - close price
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 ₹ 28,774 Cr.
  • Current Price ₹ 523
  • High / Low ₹ 598 / 459
  • Stock P/E 5.01
  • Book Value ₹ 753
  • Dividend Yield 1.91 %
  • ROCE 8.59 %
  • ROE 14.4 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.69 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.46% 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
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
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
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
Financing Margin % 25% 22% 22% 22% 24% 24% 26% 25% 24% 24% 25% 28% 27%
0 0 0 0 2 2 1 0 0 1 6 2 5
Depreciation 19 13 18 18 22 24 25 26 25 32 34 31 30
Profit before tax 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%
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 24.80 24.53 25.42 27.13 27.25
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
10,812 12,491 14,092 14,876 17,398 19,740 19,886 19,978 22,717 27,277 28,111 28,495 28,562
Interest 8,310 9,307 10,231 11,144 12,891 14,781 14,450 14,151 16,135 18,388 19,528 19,771 19,669
390 611 887 940 1,104 1,592 2,012 3,012 2,964 2,756 1,609 1,509 1,481
Financing Profit 2,112 2,573 2,974 2,792 3,404 3,367 3,423 2,815 3,618 6,133 6,974 7,215 7,413
Financing Margin % 20% 21% 21% 19% 20% 17% 17% 14% 16% 22% 25% 25% 26%
17 12 9 0 0 -33 -5 27 11 4 3 10 14
Depreciation 10 10 10 10 12 51 52 55 69 69 98 122 127
Profit before tax 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%
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 98.94 101.87 104.33
Dividend Payout % 18% 17% 16% 17% 16% 17% 16% 20% 16% 10% 10% 10%
Compounded Sales Growth
10 Years: 9%
5 Years: 7%
3 Years: 8%
TTM: 0%
Compounded Profit Growth
10 Years: 13%
5 Years: 15%
3 Years: 25%
TTM: 4%
Stock Price CAGR
10 Years: 0%
5 Years: 5%
3 Years: 10%
1 Year: -8%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 15%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 7,779 9,114 11,055 14,210 16,230 18,164 20,500 24,641 27,075 31,367 36,242 41,319
Borrowing 96,532 110,931 126,337 150,913 170,657 191,428 207,925 223,757 244,913 252,618 270,726 277,539
8,218 10,441 13,504 6,004 13,719 7,227 7,195 6,179 6,461 7,198 6,963 6,245
Total Liabilities 112,630 130,587 150,997 171,228 200,707 216,920 235,721 254,687 278,559 291,293 314,040 325,213
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 7,201 5,132
112,298 130,204 150,352 169,088 196,920 211,138 230,789 248,088 271,120 284,567 306,411 319,664
Total Assets 112,630 130,587 150,997 171,228 200,707 216,920 235,721 254,687 278,559 291,293 314,040 325,213

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-14,345 -13,039 -14,273 -18,977 -21,538 -14,738 -11,324 -16,729 -19,632 -7,151 -16,609 -8,504
-58 -58 -278 1,368 -1,642 -1,851 858 -1,629 -800 587 -939 1,752
14,232 14,098 15,072 18,074 24,068 15,156 10,428 17,850 20,249 7,346 17,413 6,192
Net Cash Flow -171 1,001 521 465 887 -1,434 -37 -508 -183 781 -134 -560
Free Cash Flow -14,364 -13,062 -14,288 -19,012 -21,588 -14,752 -11,334 -16,765 -19,673 -7,188 -16,682 -8,556
CFO/OP -132% -104% -100% -129% -126% -76% -60% -92% -94% -23% -58% -27%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Outstanding Loan Portfolio
INR Crore

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Stage 3 EAD / Gross NPA
% of Loan Portfolio
Total Loan Disbursements
INR Crore
Number of Area / Marketing Offices
count
Number of Employees
count
Individual Home Loan (IHL) Disbursements
INR Crore
Non-Housing Individual (LAP/LRD) Disbursements
INR Crore
Project Finance Disbursements
INR Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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%
21.21% 21.91% 22.59% 23.19% 21.95% 21.24% 21.55% 20.25% 20.17% 20.36% 21.39% 21.47%
21.51% 21.76% 21.99% 21.22% 20.53% 21.44% 21.34% 22.20% 22.14% 21.81% 20.89% 21.02%
12.03% 11.09% 10.18% 10.36% 12.29% 12.08% 11.87% 12.31% 12.45% 12.60% 12.49% 12.27%
No. of Shareholders 3,24,8143,05,8622,97,8993,03,9613,61,8573,66,8993,64,1823,64,3883,58,9823,52,8733,47,9413,37,873

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls