LIC Housing Finance Ltd
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)
- Market Cap ₹ 33,290 Cr.
- Current Price ₹ 605
- High / Low ₹ 827 / 484
- Stock P/E 6.11
- Book Value ₹ 661
- Dividend Yield 1.49 %
- ROCE 8.93 %
- ROE 16.0 %
- Face Value ₹ 2.00
Pros
- Stock is trading at 0.90 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 7.33% 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
Sector: Finance Industry: Finance - Housing
Part of BSE 500 BSE 200 Nifty 500 BSE MidCap Nifty Midcap 100
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
9,339 | 10,812 | 12,491 | 14,092 | 14,876 | 17,398 | 19,740 | 19,886 | 19,978 | 22,717 | 27,277 | 28,110 | |
Interest | 7,174 | 8,310 | 9,307 | 10,231 | 11,144 | 12,891 | 14,781 | 14,450 | 14,151 | 16,135 | 18,385 | 19,528 |
357 | 390 | 611 | 887 | 940 | 1,104 | 1,592 | 2,012 | 3,012 | 2,964 | 2,759 | 1,609 | |
Financing Profit | 1,808 | 2,112 | 2,573 | 2,974 | 2,792 | 3,404 | 3,367 | 3,423 | 2,815 | 3,618 | 6,133 | 6,973 |
Financing Margin % | 19% | 20% | 21% | 21% | 19% | 20% | 17% | 17% | 14% | 16% | 22% | 25% |
34 | 17 | 12 | 9 | 0 | 0 | -33 | -5 | 27 | 11 | 0 | 4 | |
Depreciation | 8 | 10 | 10 | 10 | 10 | 12 | 51 | 52 | 55 | 69 | 69 | 98 |
Profit before tax | 1,834 | 2,119 | 2,575 | 2,973 | 2,782 | 3,392 | 3,282 | 3,365 | 2,787 | 3,561 | 6,064 | 6,879 |
Tax % | 28% | 34% | 35% | 35% | 28% | 28% | 27% | 19% | 18% | 19% | 22% | 21% |
1,319 | 1,396 | 1,668 | 1,942 | 2,008 | 2,434 | 2,404 | 2,741 | 2,286 | 2,891 | 4,760 | 5,443 | |
EPS in Rs | 26.12 | 27.65 | 33.05 | 38.49 | 39.79 | 48.23 | 47.62 | 54.31 | 41.55 | 52.55 | 86.52 | 98.94 |
Dividend Payout % | 17% | 18% | 17% | 16% | 17% | 16% | 17% | 16% | 20% | 16% | 10% | 10% |
Compounded Sales Growth | |
---|---|
10 Years: | 10% |
5 Years: | 7% |
3 Years: | 12% |
TTM: | 3% |
Compounded Profit Growth | |
---|---|
10 Years: | 15% |
5 Years: | 18% |
3 Years: | 34% |
TTM: | 14% |
Stock Price CAGR | |
---|---|
10 Years: | 4% |
5 Years: | 20% |
3 Years: | 19% |
1 Year: | -4% |
Return on Equity | |
---|---|
10 Years: | 15% |
5 Years: | 14% |
3 Years: | 15% |
Last Year: | 16% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 110 | 110 | 110 | 110 |
Reserves | 7,485 | 7,779 | 9,114 | 11,055 | 14,210 | 16,230 | 18,164 | 20,500 | 24,641 | 27,075 | 31,367 | 36,242 |
Borrowing | 82,036 | 96,532 | 110,931 | 126,337 | 150,913 | 170,657 | 191,428 | 207,925 | 223,757 | 244,913 | 252,618 | 270,726 |
6,240 | 8,218 | 10,441 | 13,504 | 6,004 | 13,719 | 7,227 | 7,195 | 6,179 | 6,461 | 7,239 | 6,963 | |
Total Liabilities | 95,862 | 112,630 | 130,587 | 150,997 | 171,228 | 200,707 | 216,920 | 235,721 | 254,687 | 278,559 | 291,334 | 314,040 |
86 | 90 | 102 | 102 | 129 | 168 | 294 | 282 | 315 | 388 | 389 | 429 | |
CWIP | 0 | 0 | 0 | 5 | 3 | 2 | 3 | 6 | 4 | 1 | 0 | 0 |
Investments | 194 | 241 | 280 | 537 | 2,008 | 3,617 | 5,485 | 4,644 | 6,279 | 7,050 | 6,337 | 7,201 |
95,581 | 112,298 | 130,204 | 150,352 | 169,088 | 196,920 | 211,138 | 230,789 | 248,088 | 271,120 | 284,607 | 306,411 | |
Total Assets | 95,862 | 112,630 | 130,587 | 150,997 | 171,228 | 200,707 | 216,920 | 235,721 | 254,687 | 278,559 | 291,334 | 314,040 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-11,523 | -14,345 | -13,039 | -14,273 | -18,977 | -21,538 | -14,738 | -17,140 | -16,729 | -19,632 | -7,151 | -16,609 | |
-2 | -58 | -58 | -278 | 1,368 | -1,642 | -1,851 | 858 | -1,629 | -800 | 587 | -939 | |
13,048 | 14,232 | 14,098 | 15,072 | 18,074 | 24,068 | 15,156 | 16,245 | 17,850 | 20,249 | 7,346 | 17,413 | |
Net Cash Flow | 1,524 | -171 | 1,001 | 521 | 465 | 887 | -1,434 | -37 | -508 | -183 | 781 | -134 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 19% | 18% | 20% | 19% | 16% | 16% | 14% | 14% | 10% | 11% | 16% | 16% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
2d - Q4 FY2024-25 earnings call audio uploaded on LIC Housing Finance website.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
15 May - LIC Housing Finance Q4 FY25 PAT Rs1368cr up 25%, FY25 PAT Rs5429cr up 14%, dividend proposed 500%.
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Announcement under Regulation 30 (LODR)-Investor Presentation
15 May - Investor Presentation for Fourth quarter and Year ended March 31, 2025
- Audited Financial Result For March 31, 2025 15 May
- Board Meeting Outcome for Outcome Of Board Meeting Dated 15Th May 2025 15 May
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Concalls
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May 2025TranscriptNotesPPT
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Feb 2025Transcript PPT REC
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Oct 2024Transcript PPT
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Aug 2024Transcript PPT
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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Jun 2022TranscriptNotesPPT
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Jul 2021TranscriptPPT
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Jun 2021TranscriptPPT
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Mar 2018TranscriptPPT
Largest HFC
The company is the largest housing finance company in India with a total loan portfolio of Rs. ~2,87,000 Cr in FY24 vs Rs. ~2,10,000 Cr in FY20. [1] [2]