LIC Housing Finance Ltd.

LICHSGFIN

₹601.2

-0.36% (-2.15)

Market Cap

₹33,177 Cr.

P/E

6.10

About

LIC Housing Finance Limited is a prominent Housing Finance Company in India, specializing in long-term financing for residential properties. Besides offering loans for house/flat purchases and constru… Read more

LIC Housing Finance Limited is a prominent Housing Finance Company in India, specializing in l… Read more

Low

484

52W Range

High

827

Timeline

Key company specific updates

Company Timeline

Custom financial statementNew

Edit rows

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Balance sheet
Net Block	102	102	129	168	294	282	315	388	360	179
Shareholders Funds	9,215	11,156	14,311	16,331	18,265	20,601	24,751	27,185	31,477	36,352
Profit & Loss
Operating Profit	11,757	13,048	13,934	16,292	18,110	17,864	16,963	19,750	24,518	26,501
Net Sales	12,475	14,072	14,875	17,395	19,737	19,882	19,974	22,714	27,277	28,110
Cash flow
Cash from Operating Activity	-13,039	-14,273	-18,977	-21,538	-14,738	-17,140	-16,729	-19,632	-7,151	-16,609
Net Capex (est)	22.18	14.43	34.91	49.91	14.55	10.82	35.29	40.54	36.65	73.25
Ratios
ROCE (%)	11.61	11.19	9.47	9.91	10.42	8.87	7.70	8.35	9.59	—
ROE (%)	18.10	17.41	14.07	14.90	13.12	13.30	9.24	10.63	15.13	—

Forensics

7 Yes

Positive for this company

2 Neutral

Neutral for this company

6 No

Negative for this company

0 No Data

Insufficient data to analyse

Accounting & Shareholding

Contingent Liabilities

Company does not have significant contingent liabilities
Other Income

Other income is not affecting ratios of the company
Pledge

Promoters have not pledged a significant portion of their holding
Promoter Holding

Promoter has not sold any shares in the last 90 days
Retail Holding

Retail has been buying the stock which is usually a sign of exuberance

Price & Performance

Share price

Share price has increased over last 10 years due to earnings
Current vs Historic Valuation

Company is trading at a discount to 3yr historic valuations
ROE Stregth

Roe of the company is consistently strong
Balance Sheet - Strength

Latest bs is strong. the strength was visible historically as well.
ROE

Financial leverage has increased roe over 10 years
Cost Of Borrowing

Cost of borrowing of the company seems to be trending up
Net Interest Margin

Net interest margin of the company is trending down
Net NPA

Npa's of the company is currently high
Sales Growth

Sales of the company has grown at a slow pace
Margin Stability

Margins of the company are volatile

Market Share

6.93 %

(as of Dec 24)

Historic

Housing Loan - Market Share

Revenue mix

Product Wise Break-Up

Location Wise Break-Up

Borrowing Break-Up - NBFC

AUM Break-Up - NBFC

Operational Metrics

Net Interest Margin (%)

LIC Housing Finance Ltd.

Net Interest Margin (%)
Source
Cost To Income Ratio (%)
Source
Cost of Borrowing (%)
Source
Gross NPA (%)
Source
Net NPA (%)
Source
Capital to Risks Assets Ratio (CRAR) (%)
Source
Tier I Capital (%)
Source

Peer Comparison

Peer Name	Latest Price	PE	Market cap(Cr)	Prom Holding(%)	YoY Qtly Sales(%)	ROCE (%)	ROE (%)
LIC Housing Finance	604.75	6.14	33,416	45.24	5.14	9.59	15.13
PNB Housing Finance	1,054	14.1	27,296	28.1	11.71	10.09	10.07
Aptus Value Housing	311	20.42	15,342	52.98	29.23	13.26	16.24
Housing & Urban Dev.	248.24	18.25	49,437	75	37.76	11.86	12.74
Aavas Financiers	1,804.1	29.09	14,274	26.47	16.52	11.49	13
Home First Finance	1,251.1	34.64	13,236	14.25	32.58	9.58	14.41
Can Fin Homes	785.15	12.18	10,439	29.99	7.74	11.13	17.26
Sammaan Capital	123.9	0.00	10,297	—	-4.41	13.81	6.14

Corporate Actions

Consolidated Dividend

DATE

DETAILS

2024, Aug 23

Dividend Dividend of Rs.9 per share

2023, Aug 18

Dividend Dividend of Rs.8.5 per share

2022, Sep 19

Dividend Dividend of Rs.8.5 per share

2021, Sep 16

Dividend Dividend of Rs.8.5 per share

2020, Sep 17

Dividend Dividend of Rs.8 per share

FAQs on LIC Housing Finance Ltd. Business

What does LIC Housing Finance do?

LIC Housing Finance is a prominent company in India specializing in long-term financing solutions for housing, personal, and business requirements. It provides various types of loans for property purchase, construction, and professional facilities.

Who are the competitors of LIC Housing Finance?

LIC Housing Finance major competitors are PNB Housing Finance, Housing & Urban Dev., Aptus Value Housing, Aavas Financiers, Home First Finance, Can Fin Homes, Sammaan Capital.
Market Cap of LIC Housing Finance is ₹33,177 Crs.
While the median market cap of its peers are ₹14,252 Crs.

Is LIC Housing Finance financially stable compared to its competitors?

LIC Housing Finance seems to be less financially stable compared to its competitors.
Altman Z score of LIC Housing Finance is 0.47 and is ranked 8 out of its 8 competitors.

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Discussions & Analysis

LIC Housing Finance Ltd.

View the discussion on ValuePickr

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LIC Housing Finance Ltd.