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)

  • Market Cap: 13,651 Cr.
  • Current Price: 270.50
  • 52 weeks High / Low 486.75 / 185.25
  • Book Value: 361.92
  • Stock P/E: 5.21
  • Dividend Yield: 2.96 %
  • ROCE: 9.11 %
  • ROE: 13.90 %
  • Sales Growth (3Yrs): 11.89 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 2.00
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Pros:
Stock is trading at 0.75 times its book value
Cons:
Company has low interest coverage ratio.

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

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
Revenue 4,069 4,205 4,465 4,666 4,816 4,980 5,005 4,935 5,012
Interest 3,025 3,138 3,330 3,398 3,602 3,702 3,714 3,764 3,764
249 327 261 276 359 413 528 292 187
Financing Profit 795 739 874 993 854 865 764 880 1,060
Financing Margin % 20% 18% 20% 21% 18% 17% 15% 18% 21%
Other Income 1 0 0 2 1 1 1 -32 -25
Depreciation 3 3 3 3 10 12 13 15 13
Profit before tax 793 737 872 991 845 853 751 833 1,022
Tax % 28% 24% 30% 30% 28% 10% 20% 49% 19%
Net Profit 567 563 606 697 609 768 602 424 824
EPS in Rs 11.28 11.16 12.03 13.81 12.02 15.22 11.93 8.41 18.35
Gross NPA %
Net NPA %
Notes Notes Notes Notes Notes Notes Notes Notes Notes

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

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
Revenue 2,883 3,465 4,863 6,232 7,735 9,339 10,812 12,491 14,092 14,876 17,398 19,740 19,932
Interest 2,017 2,396 3,098 4,591 5,925 7,174 8,310 9,307 10,231 11,144 12,891 14,781 14,943
166 164 480 411 396 357 390 611 887 940 1,104 1,592 1,420
Financing Profit 700 906 1,285 1,230 1,414 1,808 2,112 2,573 2,974 2,792 3,404 3,367 3,569
Financing Margin % 24% 26% 26% 20% 18% 19% 20% 21% 21% 19% 20% 17% 18%
Other Income 30 10 11 12 11 34 17 12 8 0 0 -33 -56
Depreciation 5 7 6 8 8 8 10 10 10 10 12 51 54
Profit before tax 724 910 1,290 1,235 1,418 1,834 2,119 2,575 2,973 2,782 3,392 3,282 3,459
Tax % 27% 27% 25% 26% 26% 28% 34% 35% 35% 28% 28% 27%
Net Profit 537 689 952 920 1,048 1,318 1,396 1,668 1,942 2,008 2,434 2,403 2,618
EPS in Rs 13.99 3.89 17.63 20.10 25.34 26.64 33.02 38.46 39.76 48.20 47.59 53.91
Dividend Payout % 21% 21% 17% 20% 18% 17% 18% 17% 16% 17% 16% 17%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:19.00%
5 Years:12.79%
3 Years:11.89%
TTM:9.80%
Compounded Profit Growth
10 Years:13.31%
5 Years:11.48%
3 Years:7.36%
TTM:5.77%
Stock Price CAGR
10 Years:-0.72%
5 Years:-8.56%
3 Years:-23.59%
1 Year:-31.37%
Return on Equity
10 Years:17.16%
5 Years:16.32%
3 Years:15.10%
Last Year:13.90%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Corp Actions
Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
85 95 95 101 101 101 101 101 101 101 101 101
Reserves 2,178 3,348 4,097 5,609 6,432 7,485 7,779 9,114 11,055 14,210 16,230 18,164
Borrowings 25,422 34,758 45,163 56,087 68,764 82,036 96,532 110,931 126,337 150,913 170,657 191,428
1,735 2,104 3,215 4,047 5,350 6,240 8,218 10,441 13,504 6,004 13,719 7,227
Total Liabilities 29,419 40,305 52,570 65,844 80,647 95,862 112,630 130,587 150,997 171,228 200,707 216,920
44 45 45 74 73 86 90 102 102 129 168 294
CWIP 4 4 3 1 0 0 0 0 5 3 2 3
Investments 1,149 1,433 174 172 195 194 241 280 537 2,008 3,617 5,485
28,222 38,822 52,348 65,598 80,379 95,581 112,298 130,204 150,352 169,088 196,920 211,138
Total Assets 29,419 40,305 52,570 65,844 80,647 95,862 112,630 130,587 150,997 171,228 200,707 216,920

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-4,904 -9,477 -10,478 -11,621 -12,578 -11,523 -14,345 -13,039 -14,273 -18,977 -21,538 -14,738
-303 -248 129 -21 -27 -2 -58 -58 -278 1,368 -1,642 -1,851
4,978 9,856 10,238 11,542 12,467 13,048 14,232 14,098 15,072 18,074 24,068 15,156
Net Cash Flow -228 132 -111 -100 -138 1,524 -171 1,001 521 465 887 -1,434

Ratios Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROE % 26% 24% 25% 19% 17% 19% 18% 20% 19% 16% 16% 14%

Shareholding pattern in percentages

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
40.31 40.31 40.31 40.31 40.31 40.31 40.31 40.31 40.31 40.31 40.31 40.31
33.71 34.07 32.93 31.72 30.76 28.83 31.42 32.46 32.90 32.70 32.32 34.27
13.69 13.54 8.26 8.44 9.47 10.97 9.00 9.12 14.56 15.05 14.00 10.62
0.00 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12.29 11.93 18.50 19.53 19.46 19.89 19.27 18.11 12.22 11.93 13.37 14.80