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Last Updated: March 3, 2026, 12:56 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 500253 | NSE: LICHSGFIN

LIC Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: March 3, 2026, 12:56 pm

Market Cap 29,041 Cr.
Current Price 528
Intrinsic Value₹575.35
High / Low 647/486
Stock P/E5.29
Book Value 700
Dividend Yield1.89 %
ROCE8.93 %
ROE16.0 %
Face Value 2.00
PEG Ratio0.28

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for LIC Housing Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
LIC Housing Finance Ltd 29,041 Cr. 528 647/4865.29 7001.89 %8.93 %16.0 % 2.00
PNB Housing Finance Ltd 21,187 Cr. 813 1,142/7489.43 6900.61 %9.46 %12.3 % 10.0
Aptus Value Housing Finance India Ltd 11,932 Cr. 238 365/23313.4 93.01.89 %15.0 %18.6 % 2.00
Home First Finance Company India Ltd 11,434 Cr. 1,097 1,519/83923.1 3860.34 %11.4 %16.5 % 2.00
Can Fin Homes Ltd 10,937 Cr. 821 972/56911.2 4101.46 %9.34 %18.2 % 2.00
Industry Average10,675.33 Cr387.389.93331.841.12%48.21%13.33%5.64

All Competitor Stocks of LIC Housing Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue5,8906,4316,7596,7656,8046,9486,7976,9387,0707,3067,2507,1797,209
Interest 4,2324,3784,4934,6004,6464,6494,7494,8794,9504,9505,0464,9944,941
Expenses 1,069582602670686800392372297549475450478
Financing Profit5891,4721,6641,4961,4731,5001,6561,6871,8231,8061,7291,7351,790
Financing Margin %10%23%25%22%22%22%24%24%26%25%24%24%25%
Other Income 6000002210016
Depreciation 17191913181822242526253234
Profit before tax 5771,4531,6451,4831,4541,4821,6351,6651,7981,7801,7051,7031,762
Tax % 20%18%20%20%20%27%20%20%20%23%20%21%21%
Net Profit 4621,1911,3191,1921,1691,0821,3061,3281,4351,3741,3641,3491,398
EPS in Rs 8.4021.6523.9821.6721.2519.6623.7524.1426.0924.9724.8024.5325.42
Gross NPA %
Net NPA %

Last Updated: February 5, 2026, 5:04 am

Below is a detailed analysis of the quarterly data for LIC Housing Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:

  • For Interest, as of Dec 2025, the value is 4,941.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4,994.00 Cr. (Sep 2025) to 4,941.00 Cr., marking a decrease of 53.00 Cr..
  • For Expenses, as of Dec 2025, the value is 478.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 450.00 Cr. (Sep 2025) to 478.00 Cr., marking an increase of 28.00 Cr..
  • For Other Income, as of Dec 2025, the value is 6.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Sep 2025) to 6.00 Cr., marking an increase of 5.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 34.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 32.00 Cr. (Sep 2025) to 34.00 Cr., marking an increase of 2.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 1,762.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,703.00 Cr. (Sep 2025) to 1,762.00 Cr., marking an increase of 59.00 Cr..
  • For Tax %, as of Dec 2025, the value is 21.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 21.00%.
  • For Net Profit, as of Dec 2025, the value is 1,398.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,349.00 Cr. (Sep 2025) to 1,398.00 Cr., marking an increase of 49.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 25.42. The value appears strong and on an upward trend. It has increased from 24.53 (Sep 2025) to 25.42, marking an increase of 0.89.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 8:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue9,33910,81212,49114,09214,87617,39819,74019,88619,97822,71727,27728,11128,944
Interest 7,1748,3109,30710,23111,14412,89114,78114,45014,15116,13518,38819,52819,931
Expenses 3573906118879401,1041,5922,0123,0122,9642,7561,6091,953
Financing Profit1,8082,1122,5732,9742,7923,4043,3673,4232,8153,6186,1336,9747,060
Financing Margin %19%20%21%21%19%20%17%17%14%16%22%25%24%
Other Income 341712900-33-52711437
Depreciation 81010101012515255696998117
Profit before tax 1,8342,1192,5752,9732,7823,3923,2823,3652,7873,5616,0686,8796,950
Tax % 28%34%35%35%28%28%27%19%18%19%22%21%
Net Profit 1,3191,3961,6681,9422,0082,4342,4042,7412,2862,8914,7635,4435,485
EPS in Rs 26.1227.6533.0538.4939.7948.2347.6254.3141.5552.5586.5998.9499.72
Dividend Payout % 17%18%17%16%17%16%17%16%20%16%10%10%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)5.84%19.48%16.43%3.40%21.22%-1.23%14.02%-16.60%26.47%64.75%14.28%
Change in YoY Net Profit Growth (%)0.00%13.65%-3.06%-13.03%17.82%-22.45%15.25%-30.62%43.07%38.29%-50.48%

LIC Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:10%
5 Years:7%
3 Years:12%
TTM:5%
Compounded Profit Growth
10 Years:15%
5 Years:18%
3 Years:34%
TTM:16%
Stock Price CAGR
10 Years:3%
5 Years:13%
3 Years:9%
1 Year:-22%
Return on Equity
10 Years:15%
5 Years:14%
3 Years:15%
Last Year:16%

Last Updated: September 5, 2025, 9:45 am

Balance Sheet

Last Updated: December 4, 2025, 1:34 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 101101101101101101101101110110110110110
Reserves 7,4857,7799,11411,05514,21016,23018,16420,50024,64127,07531,36736,24238,406
Borrowing82,03696,532110,931126,337150,913170,657191,428207,925223,757244,913252,618270,726272,849
Other Liabilities 6,2408,21810,44113,5046,00413,7197,2277,1956,1796,4617,1986,9637,790
Total Liabilities 95,862112,630130,587150,997171,228200,707216,920235,721254,687278,559291,293314,040319,156
Fixed Assets 8690102102129168294282315388389377430
CWIP 00053236410520
Investments 1942412805372,0083,6175,4854,6446,2797,0506,3377,2015,180
Other Assets 95,581112,298130,204150,352169,088196,920211,138230,789248,088271,120284,567306,411313,545
Total Assets 95,862112,630130,587150,997171,228200,707216,920235,721254,687278,559291,293314,040319,156

Below is a detailed analysis of the balance sheet data for LIC Housing Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2025, the value is 110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 110.00 Cr..
  • For Reserves, as of Sep 2025, the value is 38,406.00 Cr.. The value appears strong and on an upward trend. It has increased from 36,242.00 Cr. (Mar 2025) to 38,406.00 Cr., marking an increase of 2,164.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 7,790.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,963.00 Cr. (Mar 2025) to 7,790.00 Cr., marking an increase of 827.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 319,156.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 314,040.00 Cr. (Mar 2025) to 319,156.00 Cr., marking an increase of 5,116.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 430.00 Cr.. The value appears strong and on an upward trend. It has increased from 377.00 Cr. (Mar 2025) to 430.00 Cr., marking an increase of 53.00 Cr..
  • For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 52.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 52.00 Cr..
  • For Investments, as of Sep 2025, the value is 5,180.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7,201.00 Cr. (Mar 2025) to 5,180.00 Cr., marking a decrease of 2,021.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 313,545.00 Cr.. The value appears strong and on an upward trend. It has increased from 306,411.00 Cr. (Mar 2025) to 313,545.00 Cr., marking an increase of 7,134.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 319,156.00 Cr.. The value appears strong and on an upward trend. It has increased from 314,040.00 Cr. (Mar 2025) to 319,156.00 Cr., marking an increase of 5,116.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -11,523-14,345-13,039-14,273-18,977-21,538-14,738-17,140-16,729-19,632-7,151-16,609
Cash from Investing Activity + -2-58-58-2781,368-1,642-1,851858-1,629-800587-939
Cash from Financing Activity + 13,04814,23214,09815,07218,07424,06815,15616,24517,85020,2497,34617,413
Net Cash Flow 1,524-1711,001521465887-1,434-37-508-183781-134

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow275.00294.00501.00761.00790.00-169.00-190.00-205.00-220.00-242.00-250.00-269.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 19%18%20%19%16%16%14%14%10%11%16%16%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%
FIIs 17.66%17.15%21.21%21.91%22.59%23.19%21.95%21.24%21.55%20.25%20.17%20.36%
DIIs 24.18%25.03%21.51%21.76%21.99%21.22%20.53%21.44%21.34%22.20%22.14%21.81%
Public 12.92%12.56%12.03%11.09%10.18%10.36%12.29%12.08%11.87%12.31%12.45%12.60%
No. of Shareholders 3,62,9743,49,1733,24,8143,05,8622,97,8993,03,9613,61,8573,66,8993,64,1823,64,3883,58,9823,52,873

Shareholding Pattern Chart

No. of Shareholders

LIC Housing Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
ICICI Prudential Value Fund 11,445,164 1 602.369,368,0702026-01-26 07:39:1222.17%
ICICI Prudential Multi Asset Fund 7,089,934 0.46 373.146,277,1552026-02-22 02:47:0212.95%
ICICI Prudential Banking and Financial Services 6,799,870 3.27 357.884,002,7102026-02-22 02:47:0269.88%
HDFC Large and Mid Cap Fund 4,515,018 0.84 237.63N/AN/AN/A
Bandhan Large & Mid Cap Fund 4,411,667 1.66 232.193,811,6672026-02-23 05:56:3115.74%
Mirae Asset Large & Midcap Fund 3,737,313 0.47 196.695,743,1252026-02-23 01:20:47-34.93%
ICICI Prudential Large & Mid Cap Fund 3,072,371 0.59 161.7N/AN/AN/A
DSP Large & Mid Cap Fund 3,023,066 0.91 159.1N/AN/AN/A
Kotak Multicap Fund 3,000,000 0.7 157.893,500,0002026-02-23 01:32:30-14.29%
Quant Multi Cap Fund 2,779,729 1.96 146.3N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 98.9586.5352.5643.1254.32
Diluted EPS (Rs.) 98.9586.5352.5643.1254.32
Cash EPS (Rs.) 100.6187.7353.7842.5455.32
Book Value[Excl.RevalReserv]/Share (Rs.) 660.46571.95493.97449.74408.04
Book Value[Incl.RevalReserv]/Share (Rs.) 660.46571.95493.97449.74408.04
Revenue From Operations / Share (Rs.) 510.72495.58412.68362.91393.74
PBDIT / Share (Rs.) 481.51445.47359.09308.75353.86
PBIT / Share (Rs.) 479.73444.21357.84307.75352.82
PBT / Share (Rs.) 124.93110.1864.6950.6466.64
Net Profit / Share (Rs.) 98.8386.4752.5341.5354.28
NP After MI And SOA / Share (Rs.) 98.8886.4752.5241.5354.28
PBDIT Margin (%) 94.2789.8887.0185.0789.87
PBIT Margin (%) 93.9389.6386.7184.8089.60
PBT Margin (%) 24.4622.2315.6713.9516.92
Net Profit Margin (%) 19.3517.4412.7211.4413.78
NP After MI And SOA Margin (%) 19.3617.4412.7211.4413.78
Return on Networth / Equity (%) 14.9715.1210.639.2313.30
Return on Capital Employeed (%) 71.5475.7470.449.8210.68
Return On Assets (%) 1.731.631.030.891.16
Long Term Debt / Equity (X) 0.000.000.005.957.07
Total Debt / Equity (X) 7.448.029.009.0310.09
Asset Turnover Ratio (%) 0.090.090.080.080.08
Current Ratio (X) 1.121.121.103.073.40
Quick Ratio (X) 1.121.121.103.073.40
Dividend Payout Ratio (NP) (%) 9.099.8215.9820.4514.73
Dividend Payout Ratio (CP) (%) 8.939.6815.6119.9714.45
Earning Retention Ratio (%) 90.9190.1884.0279.5585.27
Cash Earning Retention Ratio (%) 91.0790.3284.3980.0385.55
Interest Coverage Ratio (X) 1.361.331.221.201.24
Interest Coverage Ratio (Post Tax) (X) 1.281.261.181.161.19
Enterprise Value (Cr.) 300096.90284428.06262002.07242411.98228032.23
EV / Net Operating Revenue (X) 10.6810.4311.5312.1411.47
EV / EBITDA (X) 11.3211.6013.2614.2612.76
MarketCap / Net Operating Revenue (X) 1.101.230.790.991.09
Retention Ratios (%) 90.9090.1784.0179.5485.26
Price / BV (X) 0.851.070.660.791.05
Price / Net Operating Revenue (X) 1.101.230.790.991.09
EarningsYield 0.170.140.150.110.12

After reviewing the key financial ratios for LIC Housing Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

  • For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
  • For Basic EPS (Rs.), as of Mar 25, the value is 98.95. This value is within the healthy range. It has increased from 86.53 (Mar 24) to 98.95, marking an increase of 12.42.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 98.95. This value is within the healthy range. It has increased from 86.53 (Mar 24) to 98.95, marking an increase of 12.42.
  • For Cash EPS (Rs.), as of Mar 25, the value is 100.61. This value is within the healthy range. It has increased from 87.73 (Mar 24) to 100.61, marking an increase of 12.88.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 660.46. It has increased from 571.95 (Mar 24) to 660.46, marking an increase of 88.51.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 660.46. It has increased from 571.95 (Mar 24) to 660.46, marking an increase of 88.51.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 510.72. It has increased from 495.58 (Mar 24) to 510.72, marking an increase of 15.14.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 481.51. This value is within the healthy range. It has increased from 445.47 (Mar 24) to 481.51, marking an increase of 36.04.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 479.73. This value is within the healthy range. It has increased from 444.21 (Mar 24) to 479.73, marking an increase of 35.52.
  • For PBT / Share (Rs.), as of Mar 25, the value is 124.93. This value is within the healthy range. It has increased from 110.18 (Mar 24) to 124.93, marking an increase of 14.75.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 98.83. This value is within the healthy range. It has increased from 86.47 (Mar 24) to 98.83, marking an increase of 12.36.
  • For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 98.88. This value is within the healthy range. It has increased from 86.47 (Mar 24) to 98.88, marking an increase of 12.41.
  • For PBDIT Margin (%), as of Mar 25, the value is 94.27. This value is within the healthy range. It has increased from 89.88 (Mar 24) to 94.27, marking an increase of 4.39.
  • For PBIT Margin (%), as of Mar 25, the value is 93.93. This value exceeds the healthy maximum of 20. It has increased from 89.63 (Mar 24) to 93.93, marking an increase of 4.30.
  • For PBT Margin (%), as of Mar 25, the value is 24.46. This value is within the healthy range. It has increased from 22.23 (Mar 24) to 24.46, marking an increase of 2.23.
  • For Net Profit Margin (%), as of Mar 25, the value is 19.35. This value exceeds the healthy maximum of 10. It has increased from 17.44 (Mar 24) to 19.35, marking an increase of 1.91.
  • For NP After MI And SOA Margin (%), as of Mar 25, the value is 19.36. This value is within the healthy range. It has increased from 17.44 (Mar 24) to 19.36, marking an increase of 1.92.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 14.97. This value is below the healthy minimum of 15. It has decreased from 15.12 (Mar 24) to 14.97, marking a decrease of 0.15.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 71.54. This value is within the healthy range. It has decreased from 75.74 (Mar 24) to 71.54, marking a decrease of 4.20.
  • For Return On Assets (%), as of Mar 25, the value is 1.73. This value is below the healthy minimum of 5. It has increased from 1.63 (Mar 24) to 1.73, marking an increase of 0.10.
  • For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
  • For Total Debt / Equity (X), as of Mar 25, the value is 7.44. This value exceeds the healthy maximum of 1. It has decreased from 8.02 (Mar 24) to 7.44, marking a decrease of 0.58.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.09. There is no change compared to the previous period (Mar 24) which recorded 0.09.
  • For Current Ratio (X), as of Mar 25, the value is 1.12. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 24) which recorded 1.12.
  • For Quick Ratio (X), as of Mar 25, the value is 1.12. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.12.
  • For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 9.09. This value is below the healthy minimum of 20. It has decreased from 9.82 (Mar 24) to 9.09, marking a decrease of 0.73.
  • For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 8.93. This value is below the healthy minimum of 20. It has decreased from 9.68 (Mar 24) to 8.93, marking a decrease of 0.75.
  • For Earning Retention Ratio (%), as of Mar 25, the value is 90.91. This value exceeds the healthy maximum of 70. It has increased from 90.18 (Mar 24) to 90.91, marking an increase of 0.73.
  • For Cash Earning Retention Ratio (%), as of Mar 25, the value is 91.07. This value exceeds the healthy maximum of 70. It has increased from 90.32 (Mar 24) to 91.07, marking an increase of 0.75.
  • For Interest Coverage Ratio (X), as of Mar 25, the value is 1.36. This value is below the healthy minimum of 3. It has increased from 1.33 (Mar 24) to 1.36, marking an increase of 0.03.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.28. This value is below the healthy minimum of 3. It has increased from 1.26 (Mar 24) to 1.28, marking an increase of 0.02.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 300,096.90. It has increased from 284,428.06 (Mar 24) to 300,096.90, marking an increase of 15,668.84.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 10.68. This value exceeds the healthy maximum of 3. It has increased from 10.43 (Mar 24) to 10.68, marking an increase of 0.25.
  • For EV / EBITDA (X), as of Mar 25, the value is 11.32. This value is within the healthy range. It has decreased from 11.60 (Mar 24) to 11.32, marking a decrease of 0.28.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.10. This value is within the healthy range. It has decreased from 1.23 (Mar 24) to 1.10, marking a decrease of 0.13.
  • For Retention Ratios (%), as of Mar 25, the value is 90.90. This value exceeds the healthy maximum of 70. It has increased from 90.17 (Mar 24) to 90.90, marking an increase of 0.73.
  • For Price / BV (X), as of Mar 25, the value is 0.85. This value is below the healthy minimum of 1. It has decreased from 1.07 (Mar 24) to 0.85, marking a decrease of 0.22.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.10. This value is within the healthy range. It has decreased from 1.23 (Mar 24) to 1.10, marking a decrease of 0.13.
  • For EarningsYield, as of Mar 25, the value is 0.17. This value is below the healthy minimum of 5. It has increased from 0.14 (Mar 24) to 0.17, marking an increase of 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of LIC Housing Finance Ltd as of March 5, 2026 is: ₹482.94

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 5, 2026, LIC Housing Finance Ltd is Overvalued by 8.53% compared to the current share price ₹528.00

Intrinsic Value of LIC Housing Finance Ltd as of March 5, 2026 is: ₹575.35

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 5, 2026, LIC Housing Finance Ltd is Undervalued by 8.97% compared to the current share price ₹528.00

Last 5 Year EPS CAGR: 19.14%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in LIC Housing Finance Ltd:
    1. Net Profit Margin: 19.35%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 71.54% (Industry Average ROCE: 48.21%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 14.97% (Industry Average ROE: 13.33%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.28
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.12
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 5.29 (Industry average Stock P/E: 9.93)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 7.44
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

LIC Housing Finance Ltd. is a Public Limited Listed company incorporated on 19/06/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65922MH1989PLC052257 and registration number is 052257. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company's Total Operating Revenue is Rs. 28050.14 Cr. and Equity Capital is Rs. 110.08 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - HousingBombay Life Building, 2nd Floor, 45/47, Mumbai Maharashtra 400001Contact not found
Management
NamePosition Held
Mr. Tribhuwan AdhikariManaging Director & CEO
Mr. Ratnakar PatnaikAddnl. & Non Exe.Director
Mr. P Koteswara RaoNon Independent Director
Mr. Akshay RoutNon Independent Director
Mr. Anil KaulIndependent Director
Mr. Ramesh Lakshman AdigeIndependent Director
Mr. Ravi Krishan TakkarIndependent Director
Mr. Ameet N PatelIndependent Director
Mr. Kashi Prasad KhandelwalIndependent Director
Mr. Sanjay Kumar KhemaniIndependent Director
Mr. T C Suseel KumarAddnl. & Ind.Director
Mrs. Jagennath JayanthiIndependent Director

FAQ

What is the intrinsic value of LIC Housing Finance Ltd?

LIC Housing Finance Ltd's intrinsic value (as of 05 March 2026) is ₹575.35 which is 8.97% higher the current market price of ₹528.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹29,041 Cr. market cap, FY2025-2026 high/low of ₹647/486, reserves of ₹38,406 Cr, and liabilities of ₹319,156 Cr.

What is the Market Cap of LIC Housing Finance Ltd?

The Market Cap of LIC Housing Finance Ltd is 29,041 Cr..

What is the current Stock Price of LIC Housing Finance Ltd as on 05 March 2026?

The current stock price of LIC Housing Finance Ltd as on 05 March 2026 is ₹528.

What is the High / Low of LIC Housing Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of LIC Housing Finance Ltd stocks is ₹647/486.

What is the Stock P/E of LIC Housing Finance Ltd?

The Stock P/E of LIC Housing Finance Ltd is 5.29.

What is the Book Value of LIC Housing Finance Ltd?

The Book Value of LIC Housing Finance Ltd is 700.

What is the Dividend Yield of LIC Housing Finance Ltd?

The Dividend Yield of LIC Housing Finance Ltd is 1.89 %.

What is the ROCE of LIC Housing Finance Ltd?

The ROCE of LIC Housing Finance Ltd is 8.93 %.

What is the ROE of LIC Housing Finance Ltd?

The ROE of LIC Housing Finance Ltd is 16.0 %.

What is the Face Value of LIC Housing Finance Ltd?

The Face Value of LIC Housing Finance Ltd is 2.00.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in LIC Housing Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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