LIC Housing Finance Ltd

LICHSGFIN

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Market Cap

₹ 29,225 Cr

P/E

5.29

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Performance

STEADY PERFORMER

Valuation

UNDERVALUED

Growth

EXCEPTIONAL

Profitability

LOW MARGIN

Technicals

Bearish

Risk

HIGH RISK

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Price

PE Ratio

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Overview

Detailed Summary

LIC Housing Finance Limited (LICHFL) is one of the largest housing finance companies in India, primarily focused on providing long-term finance for residential purposes, including purchasing or constructing homes.

The company reported a marginal 3% increase in total revenue to Rs. 7,163 crores, with a 6% growth in the outstanding loan portfolio, highlighting a cautious but steady financial progression.

A significant strategic focus for LICHFL involves maintaining asset quality, with Stage-3 exposures improving from 3.06% to 2.51%, reflecting enhanced credit discipline and management efficiency.

Despite competitive pressures from aggressive PSU banks, LICHFL is prioritizing profitability over aggressive growth, suggesting a focus on sustaining healthy margins amid market changes.

LICHFL's management is exploring structural organizational changes and strengthening alternative distribution channels to address growth issues and enhance market competitiveness.

Sector

Finance

Industry

Finance - Housing - Large

Market Cap

29,225 Cr

Volatility

High Risk

P/E Ratio

5.3

Industry P/E

14.4

PEG Ratio

1.4

P/B Ratio

0.8

52W High

646.60

52W Low

483.50

Sales CAGR

3.05%

12.09%

7.33%

10Y

9.50%

Profit CAGR

14.26%

33.39%

17.72%

10Y

14.07%

ROE

TTM

14.34%

13.78%

12.91%

10Y

14.93%

ROCE

TTM

8.64%

9.19%

8.85%

10Y

9.30%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

No. of Analysts

31

1Y Price Target

673.00 ▲ 28.56%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LICHSGFIN	531.00	29,225 Cr	5.29	0.76	1.88	14.34	8.64	1.73
PNBHOUSING	922.30	24,027 Cr	11.18	1.34	0.54	11.96	9.14	2.51
AADHARHFC	497.30	21,572 Cr	21.84	3.13	0.00	14.33	10.42	3.94
APTUS	289.85	14,513 Cr	17.21	3.12	1.55	18.11	14.31	7.01
HOMEFIRST	1184.55	12,325 Cr	27.22	3.07	0.27	11.28	10.11	3.28
SAMMAANCAP	148.65	12,314 Cr	9.70	0.55	1.35	5.67	9.51	1.78
AAVAS	1546.10	12,271 Cr	25.02	3.25	0.00	13.00	8.96	2.97

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	6,759	6,765	6,804	6,948	6,797	6,938	7,070	7,306	7,250	7,179
Expenses	602	670	686	799	392	372	297	548	475	450
Interest	4,493	4,600	4,646	4,649	4,749	4,879	4,950	4,950	5,046	4,994
Financing Profit	1,664	1,496	1,473	1,500	1,656	1,687	1,823	1,808	1,729	1,735
Financing Margin %	24.62	22.11	21.64	21.59	24.36	24.32	25.78	24.74	23.85	24.16
Other Income	0.06	0.43	0.00	0.25	2.27	1.92	0.52	-1.15	0.28	0.54
Depreciation	19	13	18	18	23	24	25	26	25	32
Profit Before Tax	1,645	1,483	1,454	1,482	1,635	1,665	1,798	1,780	1,705	1,703
Tax %	19.81	19.63	19.78	27.00	20.12	20.25	20.21	22.83	19.98	20.77
Net Profit	1,319	1,192	1,167	1,082	1,306	1,328	1,435	1,374	1,364	1,349
EPS in Rs	23.98	21.67	21.21	19.67	23.75	24.14	26.09	24.97	24.80	24.53
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	14,007	14,875	17,395	19,736	19,882	19,974	22,714	27,277	28,110	28,563
Expenses	887	940	1,104	1,592	2,012	3,012	2,964	2,759	1,609	1,692
Interest	10,231	11,144	12,891	14,781	14,450	14,151	16,135	18,385	19,528	19,825
Financing Profit	2,889	2,791	3,401	3,363	3,419	2,812	3,615	6,133	6,973	7,047
Financing Margin %	20.62	18.76	19.55	17.04	17.20	14.08	15.92	22.48	24.81	24.67
Other Income	94	1.57	3.08	-29	-1.48	31	14	0.83	3.56	1.57
Depreciation	9.70	10	12	51	52	55	69	69	98	100
Profit Before Tax	2,973	2,782	3,392	3,282	3,365	2,787	3,561	6,064	6,879	6,948
Tax %	34.69	27.82	28.23	26.77	18.54	17.98	18.80	21.52	20.88	20.84
Net Profit	1,942	2,008	2,434	2,404	2,741	2,286	2,891	4,760	5,443	5,500
EPS in Rs	—	—	44.30	43.65	49.84	43.57	52.56	86.53	98.95	100.39
Dividend Payout %	16.11	17.09	15.76	16.80	15.65	19.71	16.17	10.40	10.11	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	101	101	101	101	101	101	110	110	110	110
Reserves	9,114	11,055	14,210	16,230	18,164	20,500	24,641	27,075	31,367	36,242
Borrowings	96,099	1,11,326	1,45,308	1,70,657	1,91,295	2,07,798	2,23,607	2,44,729	2,52,448	2,70,542
Other Liabilities	25,274	28,515	11,609	13,719	7,360	7,323	6,329	6,646	7,409	7,147
Total Liabilities	1,30,587	1,50,997	1,71,228	2,00,707	2,16,920	2,35,722	2,54,687	2,78,559	2,91,334	3,14,040
Fixed Assets	102	102	129	168	294	282	315	388	360	348
CWIP	0.25	5.06	2.74	2.19	2.92	6.34	4.30	0.84	0.20	52
Investments	0.00	0.00	2,008	3,617	5,485	4,644	6,279	7,050	6,337	7,201
Other Assets	1,30,485	1,50,890	1,69,088	1,96,920	2,11,138	2,30,789	2,48,088	2,71,120	2,84,636	3,06,440
Total Assets	1,30,587	1,50,997	1,71,228	2,00,707	2,16,920	2,35,722	2,54,687	2,78,559	2,91,334	3,14,040

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-13,039	-14,273	-18,977	-21,538	-14,738	-17,140	-16,729	-19,632	-7,151	-16,609
Cash from Investing Activity	-58	-278	1,368	-1,642	-1,851	858	-1,628	-800	587	-939
Cash from Financing Activity	14,098	15,072	18,074	24,068	15,156	16,245	17,850	20,249	7,346	17,413
Net Cash Flow	1,001	521	465	887	-1,434	-37	-507	-183	781	-134

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 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	19.14%	17.48%	17.01%	20.97%	21.63%	22.31%	23.19%	21.95%	21.23%	21.55%	20.26%	20.17%
DIIs	22.92%	24.37%	25.18%	21.76%	21.77%	22.28%	21.22%	20.52%	21.45%	21.34%	22.20%	22.14%
Public	12.70%	12.92%	12.57%	12.03%	11.37%	10.18%	10.35%	12.29%	12.08%	11.87%	12.30%	12.45%
Total Shareholders	3,64,785	3,62,974	3,49,173	3,24,814	3,05,862	2,97,899	3,03,961	3,61,857	3,66,899	3,64,182	3,64,388	3,58,982

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	6,759	6,765	6,804	6,948	6,797	6,938	7,070	7,306	7,250	7,179
Expenses	602	670	686	799	392	372	297	548	475	450
Interest	4,493	4,600	4,646	4,649	4,749	4,879	4,950	4,950	5,046	4,994
Financing Profit	1,664	1,496	1,473	1,500	1,656	1,687	1,823	1,808	1,729	1,735
Financing Margin %	24.62	22.11	21.64	21.59	24.36	24.32	25.78	24.74	23.85	24.16
Other Income	0.06	0.43	0.00	0.25	2.27	1.92	0.52	-1.15	0.28	0.54
Depreciation	19	13	18	18	23	24	25	26	25	32
Profit Before Tax	1,645	1,483	1,454	1,482	1,635	1,665	1,798	1,780	1,705	1,703
Tax %	19.81	19.63	19.78	27.00	20.12	20.25	20.21	22.83	19.98	20.77
Net Profit	1,319	1,192	1,167	1,082	1,306	1,328	1,435	1,374	1,364	1,349
EPS in Rs	23.98	21.67	21.21	19.67	23.75	24.14	26.09	24.97	24.80	24.53
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	14,007	14,875	17,395	19,736	19,882	19,974	22,714	27,277	28,110	28,563
Expenses	887	940	1,104	1,592	2,012	3,012	2,964	2,759	1,609	1,692
Interest	10,231	11,144	12,891	14,781	14,450	14,151	16,135	18,385	19,528	19,825
Financing Profit	2,889	2,791	3,401	3,363	3,419	2,812	3,615	6,133	6,973	7,047
Financing Margin %	20.62	18.76	19.55	17.04	17.20	14.08	15.92	22.48	24.81	24.67
Other Income	94	1.57	3.08	-29	-1.48	31	14	0.83	3.56	1.57
Depreciation	9.70	10	12	51	52	55	69	69	98	100
Profit Before Tax	2,973	2,782	3,392	3,282	3,365	2,787	3,561	6,064	6,879	6,948
Tax %	34.69	27.82	28.23	26.77	18.54	17.98	18.80	21.52	20.88	20.84
Net Profit	1,942	2,008	2,434	2,404	2,741	2,286	2,891	4,760	5,443	5,500
EPS in Rs	—	—	44.30	43.65	49.84	43.57	52.56	86.53	98.95	100.39
Dividend Payout %	16.11	17.09	15.76	16.80	15.65	19.71	16.17	10.40	10.11	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	101	101	101	101	101	101	110	110	110	110
Reserves	9,114	11,055	14,210	16,230	18,164	20,500	24,641	27,075	31,367	36,242
Borrowings	96,099	1,11,326	1,45,308	1,70,657	1,91,295	2,07,798	2,23,607	2,44,729	2,52,448	2,70,542
Other Liabilities	25,274	28,515	11,609	13,719	7,360	7,323	6,329	6,646	7,409	7,147
Total Liabilities	1,30,587	1,50,997	1,71,228	2,00,707	2,16,920	2,35,722	2,54,687	2,78,559	2,91,334	3,14,040
Fixed Assets	102	102	129	168	294	282	315	388	360	348
CWIP	0.25	5.06	2.74	2.19	2.92	6.34	4.30	0.84	0.20	52
Investments	0.00	0.00	2,008	3,617	5,485	4,644	6,279	7,050	6,337	7,201
Other Assets	1,30,485	1,50,890	1,69,088	1,96,920	2,11,138	2,30,789	2,48,088	2,71,120	2,84,636	3,06,440
Total Assets	1,30,587	1,50,997	1,71,228	2,00,707	2,16,920	2,35,722	2,54,687	2,78,559	2,91,334	3,14,040

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-13,039	-14,273	-18,977	-21,538	-14,738	-17,140	-16,729	-19,632	-7,151	-16,609
Cash from Investing Activity	-58	-278	1,368	-1,642	-1,851	858	-1,628	-800	587	-939
Cash from Financing Activity	14,098	15,072	18,074	24,068	15,156	16,245	17,850	20,249	7,346	17,413
Net Cash Flow	1,001	521	465	887	-1,434	-37	-507	-183	781	-134

Lichsgfin

LIC Housing Finance Ltd

LICHSGFIN

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P/E Ratio

Industry P/E

PEG Ratio

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Technicals

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Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Forecasts

31

673.00 ▲ 28.56%

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Price Chart Comparison

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