LIC Housing Finance Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 1:30 pm

Market Cap	29,285 Cr.
Current Price	532
High / Low	827/484
Stock P/E	5.69
Book Value	611
Dividend Yield	1.69 %
ROCE	8.79 %
ROE	16.2 %
Face Value	2.00
PEG Ratio	0.49

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for LIC Housing Finance Ltd

Competitors of LIC Housing Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Ind Bank Housing Ltd	43.9 Cr.	43.9	87.9/38.6		121	0.00 %	7.86 %	%	10.0
Home First Finance Company India Ltd	8,873 Cr.	985	1,383/777	24.6	255	0.35 %	11.2 %	15.5 %	2.00
Aptus Value Housing Finance India Ltd	15,059 Cr.	301	402/268	21.3	80.3	1.50 %	14.7 %	17.2 %	2.00
Repco Home Finance Ltd	2,038 Cr.	326	595/308	4.71	494	0.92 %	10.5 %	14.6 %	10.0
PNB Housing Finance Ltd	21,265 Cr.	818	1,202/600	11.6	575	0.00 %	9.27 %	11.8 %	10.0
Industry Average	9,439.50 Cr	364.83		10.78	287.76	0.90%	11.06%	13.49%	5.64

All Competitor Stocks of LIC Housing Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	5,064	5,328	5,296	5,096	5,890	6,431	6,759	6,765	6,804	6,948	6,797	6,938	7,070
Interest	3,546	3,551	3,639	3,886	4,232	4,378	4,493	4,600	4,646	4,649	4,749	4,879	4,950
Expenses	552	456	504	811	1,069	582	602	670	686	799	392	372	297
Financing Profit	967	1,320	1,153	399	589	1,472	1,664	1,496	1,473	1,500	1,656	1,687	1,823
Financing Margin %	19%	25%	22%	8%	10%	23%	25%	22%	22%	22%	24%	24%	26%
Other Income	14	9	6	5	6	0	0	0	0	0	2	2	1
Depreciation	14	15	16	16	17	19	19	13	18	18	22	24	25
Profit before tax	968	1,314	1,143	388	577	1,453	1,645	1,483	1,454	1,482	1,635	1,665	1,798
Tax %	20%	15%	19%	20%	20%	18%	20%	20%	20%	27%	20%	20%	20%
Net Profit	771	1,114	926	313	462	1,191	1,319	1,192	1,169	1,082	1,306	1,328	1,435
EPS in Rs	14.02	20.25	16.84	5.69	8.40	21.65	23.98	21.67	21.25	19.67	23.75	24.14	26.09
Gross NPA %
Net NPA %

Last Updated: February 28, 2025, 6:43 pm

Below is a detailed analysis of the quarterly data for LIC Housing Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹4,950.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,879.00 Cr. (Sep 2024) to ₹4,950.00 Cr., marking an increase of ₹71.00 Cr..
For Expenses, as of Dec 2024, the value is ₹297.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 372.00 Cr. (Sep 2024) to ₹297.00 Cr., marking a decrease of 75.00 Cr..
For Other Income, as of Dec 2024, the value is ₹1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2.00 Cr. (Sep 2024) to ₹1.00 Cr., marking a decrease of 1.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹25.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 24.00 Cr. (Sep 2024) to ₹25.00 Cr., marking an increase of ₹1.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹1,798.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,665.00 Cr. (Sep 2024) to ₹1,798.00 Cr., marking an increase of ₹133.00 Cr..
For Tax %, as of Dec 2024, the value is 20.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 20.00%.
For Net Profit, as of Dec 2024, the value is ₹1,435.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,328.00 Cr. (Sep 2024) to ₹1,435.00 Cr., marking an increase of ₹107.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 26.09. The value appears strong and on an upward trend. It has increased from ₹24.14 (Sep 2024) to 26.09, marking an increase of ₹1.95.

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: March 6, 2025, 3:39 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	7,735	9,339	10,812	12,491	14,092	14,876	17,398	19,740	19,886	19,978	22,717	27,277	27,753
Interest	5,925	7,174	8,310	9,307	10,231	11,144	12,891	14,781	14,450	14,151	16,135	18,385	19,227
Expenses	396	357	390	611	887	940	1,104	1,592	2,012	3,012	2,964	2,759	1,860
Financing Profit	1,414	1,808	2,112	2,573	2,974	2,792	3,404	3,367	3,423	2,815	3,618	6,133	6,665
Financing Margin %	18%	19%	20%	21%	21%	19%	20%	17%	17%	14%	16%	22%	24%
Other Income	11	34	17	12	9	0	0	-33	-5	27	11	0	5
Depreciation	8	8	10	10	10	10	12	51	52	55	69	69	90
Profit before tax	1,418	1,834	2,119	2,575	2,973	2,782	3,392	3,282	3,365	2,787	3,561	6,064	6,581
Tax %	26%	28%	34%	35%	35%	28%	28%	27%	19%	18%	19%	22%
Net Profit	1,048	1,319	1,396	1,668	1,942	2,008	2,434	2,404	2,741	2,286	2,891	4,760	5,151
EPS in Rs	20.76	26.12	27.65	33.05	38.49	39.79	48.23	47.62	54.31	41.55	52.55	86.52	93.65
Dividend Payout %	18%	17%	18%	17%	16%	17%	16%	17%	16%	20%	16%	10%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	25.86%	5.84%	19.48%	16.43%	3.40%	21.22%	-1.23%	14.02%	-16.60%	26.47%	64.65%
Change in YoY Net Profit Growth (%)	0.00%	-20.02%	13.65%	-3.06%	-13.03%	17.82%	-22.45%	15.25%	-30.62%	43.07%	38.18%

LIC Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	11%
5 Years:	9%
3 Years:	11%
TTM:	4%

Compounded Profit Growth
10 Years:	14%
5 Years:	14%
3 Years:	20%
TTM:	6%

Stock Price CAGR
10 Years:	2%
5 Years:	14%
3 Years:	15%
1 Year:	-15%

Return on Equity
10 Years:	14%
5 Years:	13%
3 Years:	13%
Last Year:	16%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 8:37 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	101	101	101	101	101	101	101	101	101	110	110	110	110
Reserves	6,432	7,485	7,779	9,114	11,055	14,210	16,230	18,164	20,500	24,641	27,075	31,367	33,502
Borrowings	68,764	82,036	96,532	110,931	126,337	150,913	170,657	191,428	207,925	223,757	244,913	252,618	257,685
Other Liabilities	5,350	6,240	8,218	10,441	13,504	6,004	13,719	7,227	7,195	6,179	6,461	7,239	8,019
Total Liabilities	80,647	95,862	112,630	130,587	150,997	171,228	200,707	216,920	235,721	254,687	278,559	291,334	299,315
Fixed Assets	73	86	90	102	102	129	168	294	282	315	388	389	396
CWIP	0	0	0	0	5	3	2	3	6	4	1	0	0
Investments	195	194	241	280	537	2,008	3,617	5,485	4,644	6,279	7,050	6,337	6,276
Other Assets	80,379	95,581	112,298	130,204	150,352	169,088	196,920	211,138	230,789	248,088	271,120	284,607	292,643
Total Assets	80,647	95,862	112,630	130,587	150,997	171,228	200,707	216,920	235,721	254,687	278,559	291,334	299,315

Below is a detailed analysis of the balance sheet data for LIC Housing Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹110.00 Cr..
For Reserves, as of Sep 2024, the value is ₹33,502.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹31,367.00 Cr. (Mar 2024) to ₹33,502.00 Cr., marking an increase of 2,135.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹257,685.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹252,618.00 Cr. (Mar 2024) to ₹257,685.00 Cr., marking an increase of 5,067.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹8,019.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹7,239.00 Cr. (Mar 2024) to ₹8,019.00 Cr., marking an increase of 780.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹299,315.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹291,334.00 Cr. (Mar 2024) to ₹299,315.00 Cr., marking an increase of 7,981.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹396.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹389.00 Cr. (Mar 2024) to ₹396.00 Cr., marking an increase of 7.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹0.00 Cr..
For Investments, as of Sep 2024, the value is ₹6,276.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹6,337.00 Cr. (Mar 2024) to ₹6,276.00 Cr., marking a decrease of 61.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹292,643.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹284,607.00 Cr. (Mar 2024) to ₹292,643.00 Cr., marking an increase of 8,036.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹299,315.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹291,334.00 Cr. (Mar 2024) to ₹299,315.00 Cr., marking an increase of 7,981.00 Cr..

However, the Borrowings (257,685.00 Cr.) are higher than the Reserves (₹33,502.00 Cr.), which may signal higher financial risk.

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-12,578	-11,523	-14,345	-13,039	-14,273	-18,977	-21,538	-14,738	-17,140	-16,729	-19,632	-7,151
Cash from Investing Activity +	-27	-2	-58	-58	-278	1,368	-1,642	-1,851	858	-1,629	-800	587
Cash from Financing Activity +	12,467	13,048	14,232	14,098	15,072	18,074	24,068	15,156	16,245	17,850	20,249	7,346
Net Cash Flow	-138	1,524	-171	1,001	521	465	887	-1,434	-37	-508	-183	781

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	328.00	275.00	294.00	501.00	761.00	790.00	-169.00	-190.00	-205.00	-220.00	-242.00	-250.00

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	17%	19%	18%	20%	19%	16%	16%	14%	14%	10%	11%	16%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
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	23.03%	20.67%	20.97%	19.32%	17.66%	17.15%	21.21%	21.91%	22.59%	23.19%	21.95%	21.24%
DIIs	16.23%	19.22%	20.68%	22.74%	24.18%	25.03%	21.51%	21.76%	21.99%	21.22%	20.53%	21.44%
Public	15.50%	14.88%	13.10%	12.70%	12.92%	12.56%	12.03%	11.09%	10.18%	10.36%	12.29%	12.08%
No. of Shareholders	4,52,133	4,42,359	3,77,701	3,64,785	3,62,974	3,49,173	3,24,814	3,05,862	2,97,899	3,03,961	3,61,857	3,66,899

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
SBI Small Cap Fund	7,700,000	1.65	378.19	3,025,000	2025-03-11	154.55%
Mirae Asset Emerging Bluechip Fund	7,135,389	1.17	327.66	3,025,000	2025-03-11	135.88%
ICICI Prudential Value Discovery Fund	6,800,708	0.96	312.29	3,025,000	2025-03-11	124.82%
Mirae Asset Midcap Fund	4,252,924	1.66	195.29	3,025,000	2025-03-11	40.59%
Nippon India Banking & Financial Services Fund	3,025,000	3.07	148.57	3,025,000	2025-03-11	0%
ICICI Prudential Balanced Advantage Fund	3,168,574	0.29	145.5	3,025,000	2025-03-11	4.75%
HDFC Large and Mid Cap Fund - Regular Plan	3,008,001	1.16	138.13	3,025,000	2025-03-11	-0.56%
SBI Arbitrage Opportunities Fund	2,334,000	0.48	114.63	3,025,000	2025-03-11	-22.84%
ICICI Prudential Bluechip Fund	2,390,459	0.27	109.77	3,025,000	2025-03-11	-20.98%
Tata Large & Mid Cap Fund - Regular Plan	2,200,000	1.89	108.05	3,025,000	2025-03-11	-27.27%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	2.00	2.00	2.00	2.00	2.00
Basic EPS (Rs.)	86.53	52.56	43.12	54.32	47.63
Diluted EPS (Rs.)	86.53	52.56	43.12	54.32	47.63
Cash EPS (Rs.)	87.73	53.78	42.54	55.32	48.61
Book Value[Excl.RevalReserv]/Share (Rs.)	571.95	493.97	449.74	408.04	361.76
Book Value[Incl.RevalReserv]/Share (Rs.)	571.95	493.97	449.74	408.04	361.76
Revenue From Operations / Share (Rs.)	495.58	412.68	362.91	393.74	390.85
PBDIT / Share (Rs.)	445.47	359.09	308.75	353.86	358.74
PBIT / Share (Rs.)	444.21	357.84	307.75	352.82	357.73
PBT / Share (Rs.)	110.18	64.69	50.64	66.64	65.00
Net Profit / Share (Rs.)	86.47	52.53	41.53	54.28	47.60
NP After MI And SOA / Share (Rs.)	86.47	52.52	41.53	54.28	47.59
PBDIT Margin (%)	89.88	87.01	85.07	89.87	91.78
PBIT Margin (%)	89.63	86.71	84.80	89.60	91.52
PBT Margin (%)	22.23	15.67	13.95	16.92	16.63
Net Profit Margin (%)	17.44	12.72	11.44	13.78	12.17
NP After MI And SOA Margin (%)	17.44	12.72	11.44	13.78	12.17
Return on Networth / Equity (%)	15.12	10.63	9.23	13.30	13.15
Return on Capital Employeed (%)	75.74	70.44	9.82	10.68	10.96
Return On Assets (%)	1.63	1.03	0.89	1.16	1.10
Long Term Debt / Equity (X)	0.00	0.00	5.95	7.07	8.00
Total Debt / Equity (X)	8.02	9.00	9.03	10.09	10.47
Asset Turnover Ratio (%)	0.09	0.08	0.08	0.08	0.09
Current Ratio (X)	1.12	1.10	3.07	3.40	4.14
Quick Ratio (X)	1.12	1.10	3.07	3.40	4.14
Dividend Payout Ratio (NP) (%)	9.82	15.98	20.45	14.73	15.95
Dividend Payout Ratio (CP) (%)	9.68	15.61	19.97	14.45	15.62
Earning Retention Ratio (%)	90.18	84.02	79.55	85.27	84.05
Cash Earning Retention Ratio (%)	90.32	84.39	80.03	85.55	84.38
Interest Coverage Ratio (X)	1.33	1.22	1.20	1.24	1.23
Interest Coverage Ratio (Post Tax) (X)	1.26	1.18	1.16	1.19	1.16
Enterprise Value (Cr.)	284428.06	262002.07	242411.98	228032.23	201136.44
EV / Net Operating Revenue (X)	10.43	11.53	12.14	11.47	10.19
EV / EBITDA (X)	11.60	13.26	14.26	12.76	11.10
MarketCap / Net Operating Revenue (X)	1.23	0.79	0.99	1.09	0.60
Retention Ratios (%)	90.17	84.01	79.54	85.26	84.04
Price / BV (X)	1.07	0.66	0.79	1.05	0.65
Price / Net Operating Revenue (X)	1.23	0.79	0.99	1.09	0.60
EarningsYield	0.14	0.15	0.11	0.12	0.20

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 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
For Basic EPS (Rs.), as of Mar 24, the value is 86.53. This value is within the healthy range. It has increased from 52.56 (Mar 23) to 86.53, marking an increase of 33.97.
For Diluted EPS (Rs.), as of Mar 24, the value is 86.53. This value is within the healthy range. It has increased from 52.56 (Mar 23) to 86.53, marking an increase of 33.97.
For Cash EPS (Rs.), as of Mar 24, the value is 87.73. This value is within the healthy range. It has increased from 53.78 (Mar 23) to 87.73, marking an increase of 33.95.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 571.95. It has increased from 493.97 (Mar 23) to 571.95, marking an increase of 77.98.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 571.95. It has increased from 493.97 (Mar 23) to 571.95, marking an increase of 77.98.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 495.58. It has increased from 412.68 (Mar 23) to 495.58, marking an increase of 82.90.
For PBDIT / Share (Rs.), as of Mar 24, the value is 445.47. This value is within the healthy range. It has increased from 359.09 (Mar 23) to 445.47, marking an increase of 86.38.
For PBIT / Share (Rs.), as of Mar 24, the value is 444.21. This value is within the healthy range. It has increased from 357.84 (Mar 23) to 444.21, marking an increase of 86.37.
For PBT / Share (Rs.), as of Mar 24, the value is 110.18. This value is within the healthy range. It has increased from 64.69 (Mar 23) to 110.18, marking an increase of 45.49.
For Net Profit / Share (Rs.), as of Mar 24, the value is 86.47. This value is within the healthy range. It has increased from 52.53 (Mar 23) to 86.47, marking an increase of 33.94.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 86.47. This value is within the healthy range. It has increased from 52.52 (Mar 23) to 86.47, marking an increase of 33.95.
For PBDIT Margin (%), as of Mar 24, the value is 89.88. This value is within the healthy range. It has increased from 87.01 (Mar 23) to 89.88, marking an increase of 2.87.
For PBIT Margin (%), as of Mar 24, the value is 89.63. This value exceeds the healthy maximum of 20. It has increased from 86.71 (Mar 23) to 89.63, marking an increase of 2.92.
For PBT Margin (%), as of Mar 24, the value is 22.23. This value is within the healthy range. It has increased from 15.67 (Mar 23) to 22.23, marking an increase of 6.56.
For Net Profit Margin (%), as of Mar 24, the value is 17.44. This value exceeds the healthy maximum of 10. It has increased from 12.72 (Mar 23) to 17.44, marking an increase of 4.72.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 17.44. This value is within the healthy range. It has increased from 12.72 (Mar 23) to 17.44, marking an increase of 4.72.
For Return on Networth / Equity (%), as of Mar 24, the value is 15.12. This value is within the healthy range. It has increased from 10.63 (Mar 23) to 15.12, marking an increase of 4.49.
For Return on Capital Employeed (%), as of Mar 24, the value is 75.74. This value is within the healthy range. It has increased from 70.44 (Mar 23) to 75.74, marking an increase of 5.30.
For Return On Assets (%), as of Mar 24, the value is 1.63. This value is below the healthy minimum of 5. It has increased from 1.03 (Mar 23) to 1.63, marking an increase of 0.60.
For Long Term Debt / Equity (X), as of Mar 24, 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 23) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 24, the value is 8.02. This value exceeds the healthy maximum of 1. It has decreased from 9.00 (Mar 23) to 8.02, marking a decrease of 0.98.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.09. It has increased from 0.08 (Mar 23) to 0.09, marking an increase of 0.01.
For Current Ratio (X), as of Mar 24, the value is 1.12. This value is below the healthy minimum of 1.5. It has increased from 1.10 (Mar 23) to 1.12, marking an increase of 0.02.
For Quick Ratio (X), as of Mar 24, the value is 1.12. This value is within the healthy range. It has increased from 1.10 (Mar 23) to 1.12, marking an increase of 0.02.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 9.82. This value is below the healthy minimum of 20. It has decreased from 15.98 (Mar 23) to 9.82, marking a decrease of 6.16.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 9.68. This value is below the healthy minimum of 20. It has decreased from 15.61 (Mar 23) to 9.68, marking a decrease of 5.93.
For Earning Retention Ratio (%), as of Mar 24, the value is 90.18. This value exceeds the healthy maximum of 70. It has increased from 84.02 (Mar 23) to 90.18, marking an increase of 6.16.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 90.32. This value exceeds the healthy maximum of 70. It has increased from 84.39 (Mar 23) to 90.32, marking an increase of 5.93.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.33. This value is below the healthy minimum of 3. It has increased from 1.22 (Mar 23) to 1.33, marking an increase of 0.11.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.26. This value is below the healthy minimum of 3. It has increased from 1.18 (Mar 23) to 1.26, marking an increase of 0.08.
For Enterprise Value (Cr.), as of Mar 24, the value is 284,428.06. It has increased from 262,002.07 (Mar 23) to 284,428.06, marking an increase of 22,425.99.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 10.43. This value exceeds the healthy maximum of 3. It has decreased from 11.53 (Mar 23) to 10.43, marking a decrease of 1.10.
For EV / EBITDA (X), as of Mar 24, the value is 11.60. This value is within the healthy range. It has decreased from 13.26 (Mar 23) to 11.60, marking a decrease of 1.66.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.23. This value is within the healthy range. It has increased from 0.79 (Mar 23) to 1.23, marking an increase of 0.44.
For Retention Ratios (%), as of Mar 24, the value is 90.17. This value exceeds the healthy maximum of 70. It has increased from 84.01 (Mar 23) to 90.17, marking an increase of 6.16.
For Price / BV (X), as of Mar 24, the value is 1.07. This value is within the healthy range. It has increased from 0.66 (Mar 23) to 1.07, marking an increase of 0.41.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.23. This value is within the healthy range. It has increased from 0.79 (Mar 23) to 1.23, marking an increase of 0.44.
For EarningsYield, as of Mar 24, the value is 0.14. This value is below the healthy minimum of 5. It has decreased from 0.15 (Mar 23) to 0.14, marking a decrease of 0.01.

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 12, 2025 is: ₹458.18

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 12, 2025, LIC Housing Finance Ltd is Overvalued by 13.88% compared to the current share price 532.00

Intrinsic Value of LIC Housing Finance Ltd as of March 12, 2025 is: 510.93

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 12, 2025, LIC Housing Finance Ltd is Overvalued by 3.96% compared to the current share price 532.00

Last 5 Year EPS CAGR: 11.51%

*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: 17.44%
  - 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: 75.74% (Industry Average ROCE: 11.06%)
  - 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%: 15.12% (Industry Average ROE: 13.49%)
  - 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): 1.26
  - 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: 5.69 (Industry average Stock P/E: 10.78)
  - 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: 8.02
  - 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. 27228.22 Cr. and Equity Capital is Rs. 110.08 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Housing	Bombay Life Building, Mumbai Maharashtra 400001	lichousing@lichousing.com http://www.lichousing.com

Management
Name	Position Held
Mr. Siddhartha Mohanty	Chairperson
Mr. Tribhuwan Adhikari	Managing Director & CEO
Mr. P Koteswara Rao	Non Executive Director
Mr. Akshay Rout	Non Executive Director
Mr. Jagannath Mukkavilli	Non Exe. & Nominee Director
Dr. Dharmendra Bhandari	Independent Director
Mr. Ravi Krishan Takkar	Independent Director
Mr. Ameet Patel	Independent Director
Mr. Kashi Prasad Khandelwal	Independent Director
Mr. Sanjay Kumar Khemani	Independent Director
Mr. V K Kukreja	Independent Director
Mrs. Jagennath Jayanthi	Independent Director
Mr. Anil Kaul	Independent Director
Mr. Ramesh Lakshman Adige	Independent Director

FAQ

What is the latest intrinsic value of LIC Housing Finance Ltd?

The latest intrinsic value of LIC Housing Finance Ltd as on 08 March 2025 is ₹458.18, which is 13.88% lower than the current market price of 532.00, indicating the stock is overvalued by 13.88%. The intrinsic value of LIC Housing Finance Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹29,285 Cr. and recorded a high/low of ₹827/484 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹33,502 Cr and total liabilities of ₹299,315 Cr.

What is the Market Cap of LIC Housing Finance Ltd?

The Market Cap of LIC Housing Finance Ltd is 29,285 Cr..

What is the current Stock Price of LIC Housing Finance Ltd as on 08 March 2025?

The current stock price of LIC Housing Finance Ltd as on 08 March 2025 is ₹532.

What is the High / Low of LIC Housing Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of LIC Housing Finance Ltd stocks is ₹827/484.

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

The Stock P/E of LIC Housing Finance Ltd is 5.69.

What is the Book Value of LIC Housing Finance Ltd?

The Book Value of LIC Housing Finance Ltd is 611.

What is the Dividend Yield of LIC Housing Finance Ltd?

The Dividend Yield of LIC Housing Finance Ltd is 1.69 %.

What is the ROCE of LIC Housing Finance Ltd?

The ROCE of LIC Housing Finance Ltd is 8.79 %.

What is the ROE of LIC Housing Finance Ltd?

The ROE of LIC Housing Finance Ltd is 16.2 %.

What is the Face Value of LIC Housing Finance Ltd?

The Face Value of LIC Housing Finance Ltd is 2.00.