Share Price and Basic Stock Data
Last Updated: December 24, 2025, 9:21 pm
| PEG Ratio | 0.28 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
LIC Housing Finance Ltd operates in the housing finance sector and reported a share price of ₹541, with a market capitalization of ₹29,722 Cr. For the fiscal year ending March 2025, the company recorded a total revenue of ₹28,111 Cr, an increase from ₹22,717 Cr in March 2023. Quarterly revenues have shown a consistent upward trend, with the latest reported quarterly revenue for June 2025 standing at ₹7,250 Cr, compared to ₹6,431 Cr in March 2023. This growth reflects a strong demand for housing finance, which is supported by various government initiatives aimed at promoting home ownership. The financing profit margin for the same period rose to 25%, highlighting the company’s ability to maintain profitability amidst competitive pressures. This trend suggests a robust business model that is effectively capturing market share in the housing finance sector.
Profitability and Efficiency Metrics
LIC Housing Finance Ltd reported a net profit of ₹5,522 Cr for the fiscal year ending March 2025, up from ₹2,891 Cr in March 2023. The company’s earnings per share (EPS) also increased significantly, from ₹52.56 in March 2023 to ₹98.95 in March 2025. The return on equity (ROE) stood at 16%, indicating effective utilization of shareholder funds to generate profits. The interest coverage ratio (ICR) was reported at 1.36x, reflecting the company’s ability to meet its interest obligations comfortably. However, the operating profit margin (OPM) remains unavailable, which could be a concern when assessing operational efficiency. Nevertheless, the financing margin percentage of 25% illustrates strong profitability relative to total revenues, positioning LIC Housing Finance favorably against industry benchmarks.
Balance Sheet Strength and Financial Ratios
The balance sheet of LIC Housing Finance Ltd exhibits solid financial health, with total assets recorded at ₹314,040 Cr as of March 2025. The company maintained reserves of ₹38,406 Cr, reflecting a strong cushion for future growth and potential challenges. The debt-to-equity ratio stood at 7.44, indicating a high level of leverage which may pose risks, particularly in a rising interest rate environment. The price-to-book value ratio was reported at 0.85x, suggesting that the stock is undervalued relative to its book value, a potential attraction for value investors. Furthermore, the cash earning retention ratio of 91.07% indicates a strong ability to reinvest earnings into the business, supporting future growth initiatives while retaining shareholder value.
Shareholding Pattern and Investor Confidence
The shareholding pattern of LIC Housing Finance reflects a diversified investor base. Promoters held 45.24% of the shares, providing stability and confidence in the company’s leadership. Foreign Institutional Investors (FIIs) accounted for 20.17% of the shareholding, while Domestic Institutional Investors (DIIs) held 22.14%. This mix indicates a healthy interest from both domestic and international investors, which is vital for liquidity and market perception. The number of shareholders recorded at 358,982 as of September 2025 further illustrates a broad base of retail participation. Such a diverse shareholding structure is generally seen as a positive sign, enhancing investor confidence and potentially leading to more stable stock performance.
Outlook, Risks, and Final Insight
Looking ahead, LIC Housing Finance Ltd is well-positioned to capitalize on the growing demand for housing finance, supported by government policies and favorable demographics. However, the high debt-to-equity ratio poses a risk, especially if interest rates rise, potentially affecting profitability and cash flows. Additionally, the absence of operating profit margin data could hinder a comprehensive assessment of operational efficiency. On the positive side, the company’s strong earnings growth and solid return metrics provide a foundation for sustained performance. Investors should remain vigilant about macroeconomic factors that could impact housing demand and interest rates, while recognizing the company’s strengths in revenue growth and profitability. Overall, LIC Housing Finance presents a compelling investment opportunity, contingent on navigating potential market risks effectively.
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 | 41.3 Cr. | 41.3 | 55.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,664 Cr. | 1,125 | 1,519/839 | 25.8 | 388 | 0.33 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,145 Cr. | 282 | 365/268 | 16.8 | 93.0 | 1.59 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,498 Cr. | 399 | 464/308 | 5.72 | 557 | 1.00 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 25,173 Cr. | 966 | 1,142/746 | 11.5 | 690 | 0.52 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,529.20 Cr | 426.39 | 11.64 | 332.03 | 0.98% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,296 | 5,096 | 5,890 | 6,431 | 6,759 | 6,765 | 6,804 | 6,948 | 6,797 | 6,938 | 7,070 | 7,306 | 7,250 |
| Interest | 3,639 | 3,886 | 4,232 | 4,378 | 4,493 | 4,600 | 4,646 | 4,649 | 4,749 | 4,879 | 4,950 | 4,950 | 5,046 |
| Expenses | 504 | 811 | 1,069 | 582 | 602 | 670 | 686 | 800 | 392 | 372 | 297 | 549 | 475 |
| Financing Profit | 1,153 | 399 | 589 | 1,472 | 1,664 | 1,496 | 1,473 | 1,500 | 1,656 | 1,687 | 1,823 | 1,806 | 1,729 |
| Financing Margin % | 22% | 8% | 10% | 23% | 25% | 22% | 22% | 22% | 24% | 24% | 26% | 25% | 24% |
| Other Income | 6 | 5 | 6 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 1 | 0 | 0 |
| Depreciation | 16 | 16 | 17 | 19 | 19 | 13 | 18 | 18 | 22 | 24 | 25 | 26 | 25 |
| Profit before tax | 1,143 | 388 | 577 | 1,453 | 1,645 | 1,483 | 1,454 | 1,482 | 1,635 | 1,665 | 1,798 | 1,780 | 1,705 |
| Tax % | 19% | 20% | 20% | 18% | 20% | 20% | 20% | 27% | 20% | 20% | 20% | 23% | 20% |
| Net Profit | 926 | 313 | 462 | 1,191 | 1,319 | 1,192 | 1,169 | 1,082 | 1,306 | 1,328 | 1,435 | 1,374 | 1,364 |
| EPS in Rs | 16.84 | 5.69 | 8.40 | 21.65 | 23.98 | 21.67 | 21.25 | 19.66 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 20, 2025, 7:45 am
Below is a detailed analysis of the quarterly data for LIC Housing Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 5,046.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,950.00 Cr. (Mar 2025) to 5,046.00 Cr., marking an increase of 96.00 Cr..
- For Expenses, as of Jun 2025, the value is 475.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 549.00 Cr. (Mar 2025) to 475.00 Cr., marking a decrease of 74.00 Cr..
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 25.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 26.00 Cr. (Mar 2025) to 25.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 1,705.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,780.00 Cr. (Mar 2025) to 1,705.00 Cr., marking a decrease of 75.00 Cr..
- For Tax %, as of Jun 2025, the value is 20.00%. The value appears to be improving (decreasing) as expected. It has decreased from 23.00% (Mar 2025) to 20.00%, marking a decrease of 3.00%.
- For Net Profit, as of Jun 2025, the value is 1,364.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,374.00 Cr. (Mar 2025) to 1,364.00 Cr., marking a decrease of 10.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 24.80. The value appears to be declining and may need further review. It has decreased from 24.97 (Mar 2025) to 24.80, marking a decrease of 0.17.
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 | 9,368,070 | 0.85 | 514.4 | 9,074,607 | 2025-12-15 01:59:22 | 3.23% |
| Mirae Asset Large & Midcap Fund | 6,099,883 | 0.77 | 334.94 | 7,034,326 | 2025-12-15 01:59:22 | -13.28% |
| ICICI Prudential Multi Asset Fund | 5,057,208 | 0.37 | 277.69 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 4,515,018 | 0.86 | 247.92 | N/A | N/A | N/A |
| Mirae Asset Midcap Fund | 4,056,415 | 1.21 | 222.74 | 4,545,736 | 2025-12-15 01:59:22 | -10.76% |
| ICICI Prudential Banking and Financial Services | 4,002,710 | 1.98 | 219.79 | 3,967,276 | 2025-12-15 01:59:22 | 0.89% |
| Kotak Multicap Fund | 3,500,000 | 0.86 | 192.19 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 3,261,667 | 1.4 | 179.1 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 3,254,787 | 0.66 | 178.72 | 3,711,205 | 2025-12-15 00:57:48 | -12.3% |
| DSP Large & Mid Cap Fund | 3,023,066 | 0.96 | 166 | N/A | N/A | N/A |
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: 5.37 (Industry average Stock P/E: 11.64)
- 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 24 December 2025) is 490.05 which is 9.08% lower the current market price of 539.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 29,654 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 29,654 Cr..
What is the current Stock Price of LIC Housing Finance Ltd as on 24 December 2025?
The current stock price of LIC Housing Finance Ltd as on 24 December 2025 is 539.
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 5.37.
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 1.85 %.
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.