Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:00 pm
| PEG Ratio | 0.27 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
LIC Housing Finance Ltd (LIC HFL) operates in the housing finance sector and reported a revenue of ₹22,717 Cr for the fiscal year ending March 2023. This figure represented a notable increase from ₹19,978 Cr in the previous year, marking a year-on-year growth of approximately 8.7%. The company’s revenue has consistently risen over the years, from ₹9,339 Cr in March 2014 to ₹28,111 Cr in March 2025. In the latest quarter ending September 2023, revenue stood at ₹6,765 Cr, reflecting a steady upward trajectory with a quarterly growth pattern evident in the reported figures. The financing profit margin has also shown improvement, recording 22% in September 2023, up from 10% in December 2022, indicating enhanced operational efficiency and profitability in its core lending activities. The company’s diversified revenue streams and consistent demand in the housing sector contribute positively to its growth outlook.
Profitability and Efficiency Metrics
LIC HFL’s profitability metrics indicate a robust financial performance, with a net profit of ₹5,522 Cr for the fiscal year ending March 2025, representing significant growth from ₹2,891 Cr in March 2023. The net profit margin also improved to 19.35% in March 2025, compared to 12.72% in March 2023, showcasing enhanced efficiency in converting revenue into actual profit. The return on equity (ROE) stood at 16.0%, reflecting a healthy return for shareholders and positioning the company favorably against industry norms. Additionally, the interest coverage ratio of 1.36x highlights the firm’s ability to meet its interest obligations comfortably. The financing margin has consistently remained above 20% in recent quarters, with the latest figure at 22% in September 2023. Such metrics underscore LIC HFL’s operational efficiency and its ability to generate substantial returns on equity and assets.
Balance Sheet Strength and Financial Ratios
The balance sheet of LIC HFL exhibits a strong foundation, with total assets reported at ₹319,156 Cr as of September 2025. The total liabilities also increased to ₹314,040 Cr during the same period, while reserves rose to ₹38,406 Cr, providing a solid buffer for the company. The debt-to-equity ratio stood at 7.44x, reflecting the company’s reliance on debt financing, which is common in the housing finance sector. However, this ratio is notably high compared to typical sector ranges, indicating a potential risk if interest rates rise or if the housing market experiences a downturn. The book value per share increased to ₹660.46 in March 2025, up from ₹493.97 in March 2023, indicating that the intrinsic value of the company is rising. Overall, the financial ratios suggest a well-capitalized entity, though the high leverage warrants careful monitoring.
Shareholding Pattern and Investor Confidence
The shareholding pattern of LIC HFL reveals a stable structure, with promoters holding 45.24% of the stake, indicating strong management control. Foreign Institutional Investors (FIIs) accounted for 20.17%, while Domestic Institutional Investors (DIIs) held 22.14%, reflecting a healthy institutional interest in the company. The public shareholding stood at 12.45%, with a total of 358,982 shareholders as of September 2025. This broad base of institutional and retail investors suggests a solid level of confidence in LIC HFL’s future prospects. Notably, FIIs increased their stake from 17.15% in June 2023 to 20.17% in September 2025, indicating growing foreign interest. However, the gradual decline in public shareholding from 12.70% in December 2022 to 12.45% in September 2025 may warrant attention as it reflects changing dynamics in retail investor sentiment.
Outlook, Risks, and Final Insight
Looking ahead, LIC HFL is positioned for continued growth, driven by a robust housing market and increasing demand for home loans. However, risks include a potential rise in interest rates, which could impact borrowing costs and affect loan demand. Additionally, the high debt-to-equity ratio presents a vulnerability in an economic downturn. The company’s ability to manage its leverage effectively will be crucial in maintaining investor confidence. On the upside, if LIC HFL can further enhance its operational efficiency and capitalize on the growing housing finance segment, it may see improved margins and profitability. Overall, while there are inherent risks, the company’s strong fundamentals and growth trajectory provide a favorable outlook for stakeholders.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 41.4 Cr. | 41.4 | 49.7/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,359 Cr. | 1,188 | 1,519/839 | 24.9 | 386 | 0.31 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 12,628 Cr. | 252 | 365/251 | 14.2 | 93.0 | 1.79 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,580 Cr. | 413 | 464/308 | 5.88 | 557 | 1.09 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,227 Cr. | 853 | 1,142/746 | 9.89 | 690 | 0.59 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 9,951.20 Cr | 411.02 | 10.60 | 331.84 | 1.06% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,890 | 6,431 | 6,759 | 6,765 | 6,804 | 6,948 | 6,797 | 6,938 | 7,070 | 7,306 | 7,250 | 7,179 | 7,209 |
| Interest | 4,232 | 4,378 | 4,493 | 4,600 | 4,646 | 4,649 | 4,749 | 4,879 | 4,950 | 4,950 | 5,046 | 4,994 | 4,941 |
| Expenses | 1,069 | 582 | 602 | 670 | 686 | 800 | 392 | 372 | 297 | 549 | 475 | 450 | 478 |
| Financing Profit | 589 | 1,472 | 1,664 | 1,496 | 1,473 | 1,500 | 1,656 | 1,687 | 1,823 | 1,806 | 1,729 | 1,735 | 1,790 |
| Financing Margin % | 10% | 23% | 25% | 22% | 22% | 22% | 24% | 24% | 26% | 25% | 24% | 24% | 25% |
| Other Income | 6 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 1 | 0 | 0 | 1 | 6 |
| Depreciation | 17 | 19 | 19 | 13 | 18 | 18 | 22 | 24 | 25 | 26 | 25 | 32 | 34 |
| Profit before tax | 577 | 1,453 | 1,645 | 1,483 | 1,454 | 1,482 | 1,635 | 1,665 | 1,798 | 1,780 | 1,705 | 1,703 | 1,762 |
| Tax % | 20% | 18% | 20% | 20% | 20% | 27% | 20% | 20% | 20% | 23% | 20% | 21% | 21% |
| Net Profit | 462 | 1,191 | 1,319 | 1,192 | 1,169 | 1,082 | 1,306 | 1,328 | 1,435 | 1,374 | 1,364 | 1,349 | 1,398 |
| EPS in Rs | 8.40 | 21.65 | 23.98 | 21.67 | 21.25 | 19.66 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 |
| 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.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:03 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9,339 | 10,812 | 12,491 | 14,092 | 14,876 | 17,398 | 19,740 | 19,886 | 19,978 | 22,717 | 27,277 | 28,111 | 28,805 |
| Interest | 7,174 | 8,310 | 9,307 | 10,231 | 11,144 | 12,891 | 14,781 | 14,450 | 14,151 | 16,135 | 18,388 | 19,528 | 19,941 |
| Expenses | 357 | 390 | 611 | 887 | 940 | 1,104 | 1,592 | 2,012 | 3,012 | 2,964 | 2,756 | 1,609 | 1,771 |
| Financing Profit | 1,808 | 2,112 | 2,573 | 2,974 | 2,792 | 3,404 | 3,367 | 3,423 | 2,815 | 3,618 | 6,133 | 6,974 | 7,093 |
| Financing Margin % | 19% | 20% | 21% | 21% | 19% | 20% | 17% | 17% | 14% | 16% | 22% | 25% | 25% |
| Other Income | 34 | 17 | 12 | 9 | 0 | 0 | -33 | -5 | 27 | 11 | 4 | 3 | 1 |
| Depreciation | 8 | 10 | 10 | 10 | 10 | 12 | 51 | 52 | 55 | 69 | 69 | 98 | 109 |
| Profit before tax | 1,834 | 2,119 | 2,575 | 2,973 | 2,782 | 3,392 | 3,282 | 3,365 | 2,787 | 3,561 | 6,068 | 6,879 | 6,986 |
| Tax % | 28% | 34% | 35% | 35% | 28% | 28% | 27% | 19% | 18% | 19% | 22% | 21% | |
| Net Profit | 1,319 | 1,396 | 1,668 | 1,942 | 2,008 | 2,434 | 2,404 | 2,741 | 2,286 | 2,891 | 4,763 | 5,443 | 5,522 |
| EPS in Rs | 26.12 | 27.65 | 33.05 | 38.49 | 39.79 | 48.23 | 47.62 | 54.31 | 41.55 | 52.55 | 86.59 | 98.94 | 100.39 |
| Dividend Payout % | 17% | 18% | 17% | 16% | 17% | 16% | 17% | 16% | 20% | 16% | 10% | 10% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 110 | 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 | 38,406 |
| 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 | 272,849 |
| Other Liabilities | 6,240 | 8,218 | 10,441 | 13,504 | 6,004 | 13,719 | 7,227 | 7,195 | 6,179 | 6,461 | 7,198 | 6,963 | 7,790 |
| Total Liabilities | 95,862 | 112,630 | 130,587 | 150,997 | 171,228 | 200,707 | 216,920 | 235,721 | 254,687 | 278,559 | 291,293 | 314,040 | 319,156 |
| Fixed Assets | 86 | 90 | 102 | 102 | 129 | 168 | 294 | 282 | 315 | 388 | 389 | 377 | 430 |
| CWIP | 0 | 0 | 0 | 5 | 3 | 2 | 3 | 6 | 4 | 1 | 0 | 52 | 0 |
| Investments | 194 | 241 | 280 | 537 | 2,008 | 3,617 | 5,485 | 4,644 | 6,279 | 7,050 | 6,337 | 7,201 | 5,180 |
| Other Assets | 95,581 | 112,298 | 130,204 | 150,352 | 169,088 | 196,920 | 211,138 | 230,789 | 248,088 | 271,120 | 284,567 | 306,411 | 313,545 |
| Total Assets | 95,862 | 112,630 | 130,587 | 150,997 | 171,228 | 200,707 | 216,920 | 235,721 | 254,687 | 278,559 | 291,293 | 314,040 | 319,156 |
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.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 275.00 | 294.00 | 501.00 | 761.00 | 790.00 | -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.
Financial Efficiency Indicators
| Month | 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% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| ICICI Prudential Value Fund | 11,445,164 | 1.01 | 617.52 | 9,368,070 | 2026-01-26 07:39:12 | 22.17% |
| ICICI Prudential Multi Asset Fund | 6,277,155 | 0.43 | 338.68 | 5,057,208 | 2026-01-25 02:43:17 | 24.12% |
| Mirae Asset Large & Midcap Fund | 5,743,125 | 0.71 | 309.87 | 6,099,883 | 2026-01-25 02:43:17 | -5.85% |
| HDFC Large and Mid Cap Fund | 4,515,018 | 0.84 | 243.61 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 4,002,710 | 1.94 | 215.97 | 3,967,276 | 2025-12-15 01:59:22 | 0.89% |
| Bandhan Large & Mid Cap Fund | 3,811,667 | 1.51 | 205.66 | 3,261,667 | 2026-01-25 02:43:17 | 16.86% |
| Kotak Multicap Fund | 3,500,000 | 0.82 | 188.84 | N/A | N/A | N/A |
| Mirae Asset Midcap Fund | 3,355,451 | 0.98 | 181.04 | 4,056,415 | 2026-01-25 01:13:53 | -17.28% |
| DSP Large & Mid Cap Fund | 3,023,066 | 0.93 | 163.11 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 2,978,787 | 0.59 | 160.72 | 3,254,787 | 2026-01-25 02:43:17 | -8.48% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 98.95 | 86.53 | 52.56 | 43.12 | 54.32 |
| Diluted EPS (Rs.) | 98.95 | 86.53 | 52.56 | 43.12 | 54.32 |
| Cash EPS (Rs.) | 100.61 | 87.73 | 53.78 | 42.54 | 55.32 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 660.46 | 571.95 | 493.97 | 449.74 | 408.04 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 660.46 | 571.95 | 493.97 | 449.74 | 408.04 |
| Revenue From Operations / Share (Rs.) | 510.72 | 495.58 | 412.68 | 362.91 | 393.74 |
| PBDIT / Share (Rs.) | 481.51 | 445.47 | 359.09 | 308.75 | 353.86 |
| PBIT / Share (Rs.) | 479.73 | 444.21 | 357.84 | 307.75 | 352.82 |
| PBT / Share (Rs.) | 124.93 | 110.18 | 64.69 | 50.64 | 66.64 |
| Net Profit / Share (Rs.) | 98.83 | 86.47 | 52.53 | 41.53 | 54.28 |
| NP After MI And SOA / Share (Rs.) | 98.88 | 86.47 | 52.52 | 41.53 | 54.28 |
| PBDIT Margin (%) | 94.27 | 89.88 | 87.01 | 85.07 | 89.87 |
| PBIT Margin (%) | 93.93 | 89.63 | 86.71 | 84.80 | 89.60 |
| PBT Margin (%) | 24.46 | 22.23 | 15.67 | 13.95 | 16.92 |
| Net Profit Margin (%) | 19.35 | 17.44 | 12.72 | 11.44 | 13.78 |
| NP After MI And SOA Margin (%) | 19.36 | 17.44 | 12.72 | 11.44 | 13.78 |
| Return on Networth / Equity (%) | 14.97 | 15.12 | 10.63 | 9.23 | 13.30 |
| Return on Capital Employeed (%) | 71.54 | 75.74 | 70.44 | 9.82 | 10.68 |
| Return On Assets (%) | 1.73 | 1.63 | 1.03 | 0.89 | 1.16 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 5.95 | 7.07 |
| Total Debt / Equity (X) | 7.44 | 8.02 | 9.00 | 9.03 | 10.09 |
| Asset Turnover Ratio (%) | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 |
| Current Ratio (X) | 1.12 | 1.12 | 1.10 | 3.07 | 3.40 |
| Quick Ratio (X) | 1.12 | 1.12 | 1.10 | 3.07 | 3.40 |
| Dividend Payout Ratio (NP) (%) | 9.09 | 9.82 | 15.98 | 20.45 | 14.73 |
| Dividend Payout Ratio (CP) (%) | 8.93 | 9.68 | 15.61 | 19.97 | 14.45 |
| Earning Retention Ratio (%) | 90.91 | 90.18 | 84.02 | 79.55 | 85.27 |
| Cash Earning Retention Ratio (%) | 91.07 | 90.32 | 84.39 | 80.03 | 85.55 |
| Interest Coverage Ratio (X) | 1.36 | 1.33 | 1.22 | 1.20 | 1.24 |
| Interest Coverage Ratio (Post Tax) (X) | 1.28 | 1.26 | 1.18 | 1.16 | 1.19 |
| Enterprise Value (Cr.) | 300096.90 | 284428.06 | 262002.07 | 242411.98 | 228032.23 |
| EV / Net Operating Revenue (X) | 10.68 | 10.43 | 11.53 | 12.14 | 11.47 |
| EV / EBITDA (X) | 11.32 | 11.60 | 13.26 | 14.26 | 12.76 |
| MarketCap / Net Operating Revenue (X) | 1.10 | 1.23 | 0.79 | 0.99 | 1.09 |
| Retention Ratios (%) | 90.90 | 90.17 | 84.01 | 79.54 | 85.26 |
| Price / BV (X) | 0.85 | 1.07 | 0.66 | 0.79 | 1.05 |
| Price / Net Operating Revenue (X) | 1.10 | 1.23 | 0.79 | 0.99 | 1.09 |
| EarningsYield | 0.17 | 0.14 | 0.15 | 0.11 | 0.12 |
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.
Strength and Weakness
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:
- 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.
- 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.
- 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.
- 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.
- 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.
- Stock P/E: 5.19 (Industry average Stock P/E: 10.6)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 19.35%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | Bombay Life Building, 2nd Floor, 45/47, Mumbai Maharashtra 400001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Tribhuwan Adhikari | Managing Director & CEO |
| Mr. Ratnakar Patnaik | Addnl. & Non Exe.Director |
| Mr. P Koteswara Rao | Non Independent Director |
| Mr. Akshay Rout | Non Independent Director |
| Mr. Anil Kaul | Independent Director |
| Mr. Ramesh Lakshman Adige | Independent Director |
| Mr. Ravi Krishan Takkar | Independent Director |
| Mr. Ameet N Patel | Independent Director |
| Mr. Kashi Prasad Khandelwal | Independent Director |
| Mr. Sanjay Kumar Khemani | Independent Director |
| Mr. T C Suseel Kumar | Addnl. & Ind.Director |
| Mrs. Jagennath Jayanthi | Independent Director |
FAQ
What is the intrinsic value of LIC Housing Finance Ltd?
LIC Housing Finance Ltd's intrinsic value (as of 12 February 2026) is ₹565.46 which is 9.37% higher the current market price of ₹517.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹28,441 Cr. market cap, FY2025-2026 high/low of ₹647/484, 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 28,441 Cr..
What is the current Stock Price of LIC Housing Finance Ltd as on 12 February 2026?
The current stock price of LIC Housing Finance Ltd as on 12 February 2026 is ₹517.
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 ₹647/484.
What is the Stock P/E of LIC Housing Finance Ltd?
The Stock P/E of LIC Housing Finance Ltd is 5.19.
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 1.93 %.
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.