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Last Updated: April 2, 2026, 3:15 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 500253 | NSE: LICHSGFIN

LIC Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹472.22Fairly Valued by 8.48%vs CMP ₹516.00

P/E (5.2) × ROE (16.0%) × BV (₹700.00) × DY (1.94%)

₹912.06Undervalued by 76.76%vs CMP ₹516.00
MoS: +43.4% (Strong)Confidence: 54/100 (Moderate)Models: 6 Under, 1 Fair, 1 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹562.5825%Fair (+9%)
Graham NumberEarnings₹1,253.2318%Under (+142.9%)
Earnings PowerEarnings₹692.1012%Under (+34.1%)
DCFCash Flow₹2,369.8212%Under (+359.3%)
Net Asset ValueAssets₹700.838%Under (+35.8%)
EV/EBITDAEnterprise₹17.8310%Over (-96.5%)
Earnings YieldEarnings₹997.208%Under (+93.3%)
ROCE CapitalReturns₹623.748%Under (+20.9%)
Consensus (8 models)₹912.06100%Undervalued
Key Drivers: Wide model spread (₹18–₹2,370) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 19.1%

*Investments are subject to market risks

Investment Snapshot

55
LIC Housing Finance Ltd scores 55/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 8.9% AverageROE 16.0% GoodD/E 10.09 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money30/100 · Weak
FII holding down -1.19% (6mo) SellingPromoter holding at 45.2% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +6% YoY Positive
Industry Rank65/100 · Strong
P/E 5.2 vs industry 9.1 Cheaper than peersROCE 8.9% vs industry 48.2% Below peersROE 16.0% vs industry 13.3% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:15 am

Market Cap 28,358 Cr.
Current Price 516
Intrinsic Value₹912.06
High / Low 647/459
Stock P/E5.17
Book Value 700
Dividend Yield1.94 %
ROCE8.93 %
ROE16.0 %
Face Value 2.00
PEG Ratio0.27

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

View Share Price Target for LIC Housing Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
LIC Housing Finance Ltd 28,358 Cr. 516 647/4595.17 7001.94 %8.93 %16.0 % 2.00
PNB Housing Finance Ltd 20,324 Cr. 780 1,142/7309.05 6900.64 %9.46 %12.3 % 10.0
Can Fin Homes Ltd 10,843 Cr. 814 972/61511.1 4101.47 %9.34 %18.2 % 2.00
Aptus Value Housing Finance India Ltd 10,200 Cr. 204 365/19311.5 93.02.21 %15.0 %18.6 % 2.00
Home First Finance Company India Ltd 9,916 Cr. 950 1,519/83920.0 3860.39 %11.4 %16.5 % 2.00
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of LIC Housing Finance Ltd

Quarterly Result

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

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

Quarterly Chart

Profit & Loss - Annual Report

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

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

Profit & Loss Yearly Chart

YoY Net Profit Growth

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

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

Growth

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

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

Balance Sheet

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

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

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -11,523-14,345-13,039-14,273-18,977-21,538-14,738-17,140-16,729-19,632-7,151-16,609
Cash from Investing Activity + -2-58-58-2781,368-1,642-1,851858-1,629-800587-939
Cash from Financing Activity + 13,04814,23214,09815,07218,07424,06815,15616,24517,85020,2497,34617,413
Net Cash Flow 1,524-1711,001521465887-1,434-37-508-183781-134
Free Cash Flow -11,530-14,364-13,062-14,288-19,012-21,588-14,752-17,151-16,765-19,673-7,188-16,682
CFO/OP -122%-132%-104%-100%-129%-126%-76%-92%-92%-94%-23%-58%

Free Cash Flow

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

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

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

Free Cash Flow Chart

Financial Efficiency Indicators

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

Financial Efficiency Indicators Chart

Share Holding Pattern

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

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

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

ROCE Trend

EPS Trend

Key Financial Ratios

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

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

FAQ

What is the intrinsic value of LIC Housing Finance Ltd and is it undervalued?

As of 15 April 2026, LIC Housing Finance Ltd's intrinsic value is ₹912.06, which is 76.76% higher than the current market price of ₹516.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (16.0 %), book value (₹700), dividend yield (1.94 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of LIC Housing Finance Ltd?

LIC Housing Finance Ltd is trading at ₹516.00 as of 15 April 2026, with a FY2026-2027 high of ₹647 and low of ₹459. The stock is currently in the middle of its 52-week range. Market cap stands at ₹28,358 Cr..

How does LIC Housing Finance Ltd's P/E ratio compare to its industry?

LIC Housing Finance Ltd has a P/E ratio of 5.17, which is below the industry average of 9.06. This is broadly in line with or below the industry average.

Is LIC Housing Finance Ltd financially healthy?

Key indicators for LIC Housing Finance Ltd: ROCE of 8.93 % is on the lower side compared to the industry average of 48.21%; ROE of 16.0 % shows strong shareholder returns. Dividend yield is 1.94 %.

Is LIC Housing Finance Ltd profitable and how is the profit trend?

LIC Housing Finance Ltd reported a net profit of ₹5,443 Cr in Mar 2025 on revenue of ₹28,111 Cr. Compared to ₹2,286 Cr in Mar 2022, the net profit shows an improving trend.

Does LIC Housing Finance Ltd pay dividends?

LIC Housing Finance Ltd has a dividend yield of 1.94 % at the current price of ₹516.00. The company pays dividends, though the yield is modest.

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