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    Financial - Mortgages
LIC Housing Finance Limited

LIC Housing Finance Limited

LICHSGFIN.BO
LIC Housing Finance LimitedIN flagBombay Stock Exchange
543.20
INR
-5.35
- -
298.96BMarket Cap
LIC Housing Finance Limited
LICHSGFIN.BO
(Bombay Stock Exchange)

Recent

price

543.20

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
35.39
32.41
33.59
40.41
47.13
59.64
72.92
72.56
88.88
96.17
104.46
106.87
115.98
157.74
153.28
162.04
156.68
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
98.95
101.87
100
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
-310.03
-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
13.63
17.14
19.2
28.76
21.02
29.63
46.89
58.15
71
82.71
94.69
93.44
100.85
136.75
183.59
2
- -
Book Value per Share
88.15
119.79
129.37
150.25
156.05
182.52
251.1
283.56
323.58
361.93
408.15
466.47
493.61
571.71
659.63
752.5
- -
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
16,796
15,433
16,951
20,393
23,783
30,097
36,799
36,619
44,855
48,534
52,718
56,660
63,797
86,767
84,304
89,136
86,169
Sales/Revenue/Turnover
261.22
375.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
64
76
77
78
97
100
97
102
119
511
525
524
690
692
978
1,217
1,002
Depreciation Expense
9,519
9,199
10,475
13,182
13,956
16,677
19,423
20,079
24,340
24,033
27,407
22,856
28,908
47,630
54,422
56,037
54,998
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
20.84
Effective Tax Rate (%)
56.67
59.6
61.8
64.64
58.68
55.41
52.78
54.83
54.26
49.52
51.99
40.34
45.31
54.89
64.56
62.87
63.83
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
1,896,534
2,057,349
2,333,321
2,427,690
2,625,383
2,662,162
- -
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 (%)
8.04
8.19
1.61
1.7
1.53
1.58
1.65
1.52
1.58
1.37
1.45
1.13
1.29
1.95
2.08
2.08
4.1
Return on Capital (%)
165.96
125.73
117.34
108.91
111.1
130.51
100.6
75.76
74.69
61.96
61.23
46.97
55.06
72.89
61.78
109.8
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
550
- -
Market Capitalization
328,649
310,035
340,165

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
14,380
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
12.01%
11.8%
5.73%
Total Cash Common Dividend
8.28%
6.56%
11.11%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
22,402
21,330
21,308
22,131
86,767
2025
20,311
20,361
20,961
22,953
84,304
2026
21,894
22,499
23,622
- -
89,136

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23.98
21.7
21.25
- -
86.59
2025
23.75
24.14
26.09
24.97
98.95
2026
24.8
25.42
27.13
- -
101.87

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
8.5
2025
- -
- -
- -
- -
9
2026
- -
- -
- -
- -
10
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Business
LIC Housing Finance Limited, established in Mumbai, India, in 1989 as a subsidiary of the Life Insurance Corporation of India, functions as a leading deposit-taking housing finance company dedicated to enabling home ownership across India. The company extends comprehensive long-term financing options for individuals seeking to acquire, construct, enhance, or repair residential properties, alongside loans for purchasing plots. Its product suite also includes specialized offerings for non-resident Indians and tailored financial solutions for various customer segments, including salaried individuals, self-employed professionals, and pensioners, with specific benefits for women borrowers. Beyond traditional home financing, the company provides loans against property for both individual and corporate clients, professional loans for establishing clinics, offices, or acquiring equipment, and facilities for rental securitization. For the developer community, it offers construction finance and term loans, although the company is strategically re-evaluating its project finance portfolio to focus more on high-yield retail home loans and diversified sourcing models. Complementing its lending activities, LIC Housing Finance accepts public, corporate, and green deposits. Through its subsidiaries, the firm also manages alternative investment funds concentrating on real estate projects and provides a broader spectrum of financial services, encompassing insurance and mutual funds, thereby aiming to offer holistic financial solutions. The company’s broad market penetration is facilitated by an extensive network of regional and marketing offices throughout India, an international presence in Dubai, and a large network of marketing intermediaries and direct sales associates. This widespread reach and diverse product offering underscore its commitment to making housing finance accessible and affordable.