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LIC Housing Finance Ltd

LIC Housing Finance Ltd

489.00
INR
-13.00
(-2.59%)
104.61EPS
5.40P/E
310.76BMarket Cap
Oct 30Next Earn
LIC Housing Finance Ltd
BSE:LICHSGFIN
(Bombay Stock Exchange)

Recent

price

489.00

P/E

ratio

5.40

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
35.63
32.67
33.82
41.08
47.46
59.88
73.09
72.56
88.88
96.17
104.46
106.87
115.98
157.74
148.68
155.44
159.84
Revenue per Share
20.05
19.32
20.76
26.12
27.65
33.05
38.49
39.79
48.23
47.62
54.31
43.11
52.55
86.59
98.94
101.87
104.6
Basic EPS, GAAP
-221.15
-244.77
-249.39
-228.48
-284.62
-258.82
-283.11
-376.73
-427.79
-292.32
-339.85
-316.42
-358.07
-130.69
-309.99
-155.54
- -
Free Cash Flow per Basic Share
2.99
3.47
3.58
3.78
4.48
4.97
5.48
6.18
6.78
7.6
8
8.82
8.4
8.5
9
10
- -
Dividend per Share
88.31
113.15
129.46
150.32
156.14
182.59
251.14
283.58
323.6
361.92
408.22
449.96
494.21
572.24
660.87
753.17
- -
Book Value per Share
88.15
113.04
129.36
150.23
156.02
182.49
251.06
283.53
323.54
361.88
408.1
449.54
493.55
571.65
659.48
752.45
- -
Tangible Book Value per Share
475
476
505
505
505
505
505
505
505
505
505
530
550
550
550
550
550
Basic Weighted Avg Shares
16,913
15,557
17,066
20,731
23,950
30,217
36,884
36,619
44,855
48,534
52,718
56,660
63,797
86,767
81,785
85,500
87,919
Sales/Revenue/Turnover
259.41
372.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
64
76
77
78
97
100
97
102
119
511
525
524
690
692
978
1,217
1,195
Depreciation Expense
9,519
9,199
10,475
13,182
13,956
16,677
19,423
20,079
24,340
24,033
27,407
22,857
28,908
47,630
54,422
56,037
57,533
Net Income, GAAP
24.86
25.81
25.67
27.94
34.06
35.24
34.69
27.82
28.23
26.77
18.54
17.98
18.8
21.5
20.88
21.11
21.2
Effective Tax Rate (%)
56.28
59.13
61.38
63.59
58.27
55.19
52.66
54.83
54.26
49.52
51.99
40.34
45.31
54.89
66.54
65.54
65.44
Profit Margin (%)
-51,253
-56,542
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
449,170
571,380
698,794
829,172
969,905
1,109,690
1,200,245
1,385,383
1,629,996
1,788,558
1,896,535
2,057,349
2,333,321
2,427,690
2,625,383
2,662,194
- -
LT Debt
41,917
57,103
65,341
75,870
78,816
92,162
126,759
143,131
163,330
182,673
206,042
247,538
271,879
314,801
363,555
414,330
- -
Total Equity
7.49
7.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
7.44
7.58
1.49
1.58
1.43
1.48
1.54
1.41
1.47
1.28
1.35
1.04
1.18
1.78
1.9
1.85
- -
Return on Capital (%)
24.94
18.58
17.11
18.67
18.05
19.51
17.75
14.88
15.89
13.89
14.1
10.08
11.13
16.24
16.05
14.41
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
550
550
550
Market Capitalization
296,814
272,391
310,758

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
9,323
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.44%
15.04%
13.97%
Free Cash Flow
7.97%
7.82%
-49.82%
Net Income, GAAP
14.57%
18.37%
2.97%
Sales/Revenue/Turnover
11.56%
10.98%
4.54%
Total Cash Common Dividend
8.28%
6.56%
11.11%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
20,311
20,361
20,961
22,953
81,785
2026
21,155
- -
22,499
23,622
85,500
2027
20,643
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
23.75
24.14
26.09
24.97
98.94
2026
24.8
- -
25.42
27.13
101.87
2027
27.25
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
9
2026
- -
- -
- -
- -
10
2027
- -
- -
- -
- -
- -
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Business
LIC Housing Finance Limited (LIC HFL), a subsidiary of Life Insurance Corporation of India, operates as one of India's largest deposit-taking housing finance companies, providing long-term financing for the purchase, construction, repair, renovation, and extension of residential houses and flats; loans against property; lease rental discounting; loans for non-residential premises including clinics, nursing homes, diagnostic centers, and office spaces; home improvement loans; plot loans; and rightsizing loans. The company also offers deposit schemes, loans against securities, and financing for developers' projects targeting individuals, professionals, non-resident Indians, and corporate clients across India with regional offices, back-offices, marketing centers, and overseas presence in Kuwait and Dubai. Incorporated in 1989 and headquartered in Mumbai, LIC HFL maintains listings on the National Stock Exchange and Bombay Stock Exchange under the ticker LICHSGFIN.NS, with global depository receipts on the Luxembourg Stock Exchange. In recent developments, the board approved a borrowing plan of Rs 1,22,500 crore for FY2025-26 in March 2025 to support lending activities through non-convertible debentures, bonds, commercial paper, and refinancing from the National Housing Bank. The company pursues strategic partnerships with real estate developers to expand housing finance solutions in tier II and tier III cities while enhancing digital platforms for loan applications. Asset quality improvements continue with expected resolutions of large accounts in the second half of FY2026, alongside projections for 10% growth in loans and disbursements, stable net interest margins of 2.6%-2.8%, and low credit costs of 15-20 basis points.