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

₹ 605 -2.58%
19 May 12:54 p.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
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]

Website BSE NSE
  • 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
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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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
5,328 5,296 5,096 5,890 6,431 6,759 6,765 6,804 6,948 6,797 6,938 7,070 7,306
Interest 3,551 3,639 3,886 4,232 4,378 4,493 4,600 4,646 4,649 4,749 4,879 4,950 4,950
456 504 811 1,069 582 602 670 686 800 392 372 297 549
Financing Profit 1,320 1,153 399 589 1,472 1,664 1,496 1,473 1,500 1,656 1,687 1,823 1,806
Financing Margin % 25% 22% 8% 10% 23% 25% 22% 22% 22% 24% 24% 26% 25%
9 6 5 6 0 0 0 0 0 2 2 1 0
Depreciation 15 16 16 17 19 19 13 18 18 22 24 25 26
Profit before tax 1,314 1,143 388 577 1,453 1,645 1,483 1,454 1,482 1,635 1,665 1,798 1,780
Tax % 15% 19% 20% 20% 18% 20% 20% 20% 27% 20% 20% 20% 23%
1,114 926 313 462 1,191 1,319 1,192 1,169 1,082 1,306 1,328 1,435 1,374
EPS in Rs 20.25 16.84 5.69 8.40 21.65 23.98 21.67 21.25 19.66 23.75 24.14 26.09 24.97
Gross NPA %
Net NPA %
Raw PDF

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%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24%
20.67% 20.97% 19.32% 17.66% 17.15% 21.21% 21.91% 22.59% 23.19% 21.95% 21.24% 21.55%
19.22% 20.68% 22.74% 24.18% 25.03% 21.51% 21.76% 21.99% 21.22% 20.53% 21.44% 21.34%
14.88% 13.10% 12.70% 12.92% 12.56% 12.03% 11.09% 10.18% 10.36% 12.29% 12.08% 11.87%
No. of Shareholders 4,42,3593,77,7013,64,7853,62,9743,49,1733,24,8143,05,8622,97,8993,03,9613,61,8573,66,8993,64,182

* 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