LIC Housing Finance
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LIC Housing Finance share price

LIC Housing Finance Ltd.

NSE: LICHSGFIN BSE: 500253 SECTOR: Finance - Housing  204k   1k   188

582.25
-9.60 (-1.62%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 601.95

Today's Low

₹ 577.45

52 Week High

₹ 826.75

52 Week Low

₹ 511.85

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 32027.42 Cr.

Advances

₹ 280574.31 Cr.

No. of Shares

55.01 Cr.

P/E

6.56

P/B

0.96

Face Value

₹ 2

Div. Yield

1.55 %

Book Value (TTM)

₹  609.45

Operating Revenue

₹ 27228.22 Cr.

Net Profit

₹ 4765.41 Cr.

Promoter Holding

45.24 %

EPS (TTM)

₹  88.77

Sales Growth

20.18

ROE

16.29 %

ROCE

8.8%

Profit Growth

64.83 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 34 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
56906.75
  -1649.5 (-2.81694951435586%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank
25282.35
  -608.75 (-2.35119403965069%)

NTYFIN2550

Nifty Financial Services 25/50
25238.95
  -389.899999999998 (-1.52133240469235%)

NIFTYFINANCE

Nifty Financial Services
23591.7
  -314.899999999998 (-1.3172094735345%)

NIFTY500

Nifty 500
22319.4
  -432.75 (-1.90201805104133%)

NIFTYMIDCAP150

Nifty Midcap 150
21050.6
  -520.700000000001 (-2.41385544682055%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
19899.4
  -461.949999999997 (-2.26875919327548%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
17537.05
  -369.299999999999 (-2.06239685921474%)

NIFTYCOREHSG

Nifty Core Housing
16367.95
  -419.75 (-2.50034251267297%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
15843.55
  -558.900000000001 (-3.40741779429293%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15748.9
  -319.200000000001 (-1.98654476882768%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
15666
  -334.75 (-2.09208943330781%)

NFT500EQUAL

Nifty 500 Equal Weight
14164.9
  -298.9 (-2.06653853067659%)

NFTRURAL

Nifty Rural Index
13894.85
  -257.85 (-1.82191383976202%)

NIFTY500VAL50

NIFTY500 Value 50
13676.45
  -331.799999999999 (-2.36860421537308%)

NIFTY200

Nifty 200
13373.9
  -264.25 (-1.93757951041746%)

NIFTYTOTALMCAP

NIFTY Total Market
12606.65
  -246.4 (-1.91705470685946%)

NFT200VAL30

Nifty 200 Value 30
12493.65
  -289.050000000001 (-2.26125935835153%)

NIFTYHOUSING

Nifty Housing
11038.9
  -234.450000000001 (-2.07968350135497%)

NIFTYDIVOPPT

Nifty Dividend Opportunities 50
6316
  -130.1 (-2.01827461565909%)

NIFTYHIGHBETA

Nifty High Beta 50
3553
  -103.2 (-2.82260270225917%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

MIDCAP

Bse MidCap
46226.5
  -1152.75 (-2.43302711630091%)

BSE500

Bse 500
35082.25
  -680.419999999998 (-1.90259843574319%)

MID150

Bse 150 MidCap Index
15862.89
  -381.58 (-2.34898399270644%)

200EQW

BSE 200 Equal Weight
12603.9
  -281.110000000001 (-2.18168243563646%)

MSL400

Bse 400 MidSmallCap Index
12101.72
  -276.790000000001 (-2.23605264284636%)

FINSER

BSE Financial Services
11379.57
  -187.380000000001 (-1.61996031797493%)

BSE200

Bse 200
10905.86
  -210.17 (-1.89069299021324%)

LMI250

Bse 250 LargeMidCap Index
10353.28
  -199.23 (-1.88798683915011%)

SPBSEVIP

Bse Enhanced Value Index
888.67
  -18.25 (-2.01230538526%)

ALLCAP

Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

S&P LARGEMIDCAP

Bse LargeMidCap
10238.39
  -197.890000000001 (-1.89617373240275%)

S&P MIDSMLCAP

Bse MidSmallCap
13527.25
  -313.42 (-2.26448575105107%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year20.18%
3 Year11.12%
5 Year9.42%

Profit Growth

1 Year64.83%
3 Year20.38%
5 Year14.41%

ROE%

1 Year16.29%
3 Year12.53%
5 Year13.13%

ROCE %

1 Year8.8%
3 Year7.83%
5 Year8.15%

ROA%

1.6836

PEG Ratio

0.1

PAT Margin (%)

17.5017

EPS Growth(%)

64.8345

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 45.24 0.00
Jun 2024 45.24 0.00
Mar 2024 45.24 0.00
Dec 2023 45.24 0.00
Sep 2023 45.24 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 4.7417%.
  • The company is trading at 1.0707 times the book value

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 6752.83 6792.47 6936.41 6783.67 6925.81
Other Income 5.92 0.03 0.43 0.02 6
Interest Expended 4600.02 4646.5 4649.91 4750.05 4879.58
Operating Expenses 666.45 679.96 793.34 383.59 364.93
Total Provisions 0 0 0 0 0
Depreciation 12.22 17.35 17.41 21.62 22.94
Profit Before Tax 1480.06 1448.69 1476.18 1628.43 1664.36
Tax 292.01 285.81 385.36 328.22 335.47
Net Profit 1188.05 1162.88 1090.82 1300.21 1328.89
Adjusted EPS (RS) 21.59 21.13 19.82 23.62 24.14

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 19697.28 19847.15 19919.07 22656.95 27228.22
Other Income 6.6 5.85 33.95 17.25 6.42
Interest 14784.45 14452.58 14177.25 16185.96 18390.66
Operating Expenses 536.67 608.41 888.74 898.77 1054.28
Total Provisions 1113.77 1443.44 2108.88 2032.47 1735.78
Exceptional Items 0 0 0 0 0
Profit Before Tax 3268.99 3348.57 2778.15 3557 6053.92
Tax 867.15 614.23 490.87 665.97 1288.51
Profit After Tax 2394.99 2731.94 2282.56 2891.03 4765.41
Adjusted EPS (Rs.) 47.59 54.18 41.58 52.55 86.63

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 100.99 100.99 110.08 110.08 110.08
Total Reserves 18092.11 20420.32 24561.76 26990.26 31284.55
Borrowings 154958.55 180631.24 196393.93 210304.63 224429.09
Other N/C liabilities 160.55 -299.23 -1018.56 -1440.17 -947.06
Current liabilities 42973.35 33867.07 33152.17 40558.75 34688.82
Total Liabilities 216285.55 234720.39 253199.38 276523.55 289565.48
Assets
Loans 207965.22 228103.15 245280.63 267816.87 280574.31
Net Block 254.05 243.39 286.13 356.21 360.85
Capital WIP 0.33 0 0.04 0.74 0.14
Intangible WIP 0 3.63 1.45 0 0
Investments 1933.43 2486.55 4705.2 4734.38 4682.98
Other Loans 444.03 118.97 243.81 330.97 718.31
Other N/C Assets 33 240.8 152.74 277.88 40.88
Current Assets 5655.49 3523.9 2529.38 3006.5 3188.01
Total Assets 216285.55 234720.39 253199.38 276523.55 289565.48
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 45.24 45.24 45.24 45.24 45.24
life insurance corporatio... 45.24 45.24 45.24 45.24 45.24
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 54.76 54.76 54.76 54.76 54.76
aditya birla sun life tru... - - 1.08 1.45 1.76
bank muscat india fund 2.09 2.09 2.09 2.09 2.09
government pension fund g... 2.81 2.84 2.62 2.51 2.35
hdfc life insurance compa... 1.29 1.28 1.28 1.28 1.28
hdfc trustee company ltd.... 1.02 1.00 - 1.35 1.37
investor education and pr... 0.21 - 0.24 - 0.24
kotak mahindra trustee co... - - - - 4.05
llp 0.03 0.02 0.01 0.04 0.18
mirae asset nifty midcap ... 2.48 3.52 3.94 3.07 2.94
tata nifty financial serv... - - - - 1.17
icici prudential value di... 3.86 2.79 1.81 1.51 -
investor education and pr... - 0.24 - 0.24 -
kotak mahindra trustee co... - - 2.47 3.22 -
tata quant fund - - - 1.26 -
canara robeco mutual fund... - - 1.05 - -
sbi small cap fund 2.32 2.20 1.82 - -
tata mutual fund- tata eq... - - 1.01 - -
aditya birla sun life tru... - 1.44 - - -
nippon life india trustee... - 1.00 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Lic Housing Finance informs about stop transfer 20 Dec, 2:55 PM LIC Housing Finance informs about details of loss of certificate 21 Nov, 4:29 PM Lic Housing Finance informs about loss of share certificate 31 Oct, 1:26 PM LIC Housing Finance - Quaterly Results 28 Oct, 3:13 PM LIC Housing Finance - Quaterly Results 28 Oct, 3:13 PM LIC Housing Finance - Quaterly Results 28 Oct, 3:13 PM LIC Housing Finance informs about stop transfer request 16 Oct, 4:57 PM Lic Housing Finance informs about issue of duplicate share certificate 9 Sep, 1:42 PM Lic Housing Finance informs about loss of share certificate 19 Aug, 1:40 PM LIC Housing Finance - Quaterly Results 2 Aug, 6:58 PM LIC Housing Finance - Quaterly Results 2 Aug, 6:58 PM LIC Housing Finance informs about details of loss of certificate 22 Jul, 12:59 PM LIC Housing Finance informs about details of loss of certificate 8 Jul, 1:12 PM LIC Housing Finance informs about details of loss of certificate 20 Jun, 12:41 PM LIC Housing Finance informs about stop transfer request 12 Jun, 12:03 PM LIC Housing Finance informs about issuance of duplicate share certificate 5 Jun, 5:12 PM Lic Housing Finance informs about stop transfer 24 May, 3:49 PM LIC Housing Finance - Quaterly Results 15 May, 8:11 PM LIC Housing Finance - Quaterly Results 15 May, 8:11 PM LIC Housing Finance informs about loss of share certificate 2 May, 5:30 PM LIC Housing Finance informs about issuance of duplicate share certificate 29 Apr, 5:21 PM RBI imposes penalty of Rs 49.70 lakh on LIC Housing Finance 6 Apr, 4:30 PM LIC Housing Finance informs about issuance of duplicate share certificate 18 Mar, 11:07 AM LIC Housing Finance informs about details of loss of certificate 6 Mar, 5:01 PM LIC Housing Finance informs about stop transfer request 28 Feb, 11:40 AM Lic Housing Finance informs about stop transfer 15 Feb, 5:01 PM Lic Housing Finance submits investor presentation 3 Feb, 1:43 PM LIC Housing Finance - Quaterly Results 2 Feb, 8:34 PM LIC Housing Finance - Quaterly Results 2 Feb, 8:34 PM LIC Housing Finance informs about details of loss of certificate 1 Jan, 5:04 PM LIC Housing Finance informs about loss of share certificate 14 Dec, 12:04 PM LIC Housing Finance informs about issuance of duplicate share certificate 8 Dec, 12:56 PM LIC Housing Finance informs about details of loss of certificate 1 Dec, 4:21 PM LIC Housing Finance informs about details of loss of certificate 30 Nov, 3:14 PM LIC Housing Finance informs about details of loss of certificate 29 Nov, 5:33 PM Lic Housing Finance informs about loss of share certificate 22 Nov, 5:25 PM LIC Housing Finance informs about issuance of issue of duplicate share certificate 13 Nov, 10:52 AM LIC Housing Finance - Quaterly Results 1 Nov, 7:24 PM LIC Housing Finance - Quaterly Results 1 Nov, 7:24 PM Lic Housing Finance informs about loss of share certificate 11 Oct, 2:05 PM LIC Housing Finance informs about loss of shares certificate 22 Sep, 5:05 PM Lic Housing Finance informs about disclosure 18 Sep, 3:15 PM LIC Housing Finance informs about disclosures 6 Sep, 12:27 PM LIC Housing Finance informs about disclosure 4 Sep, 5:15 PM Lic Housing Finance informs about issue of duplicate share certificate 21 Aug, 5:09 PM LIC Housing Finance reports 42% rise in Q1 consolidated net profit 4 Aug, 11:09 AM LIC Housing Finance - Quaterly Results 3 Aug, 7:20 AM LIC Housing Finance - Quaterly Results 3 Aug, 7:20 AM LIC Housing Finance India informs about secretarial compliance report 30 May, 4:59 PM LIC Housing Finance informs about newspaper advertisement 26 May, 4:54 PM

LIC Housing Finance Stock Price Analysis and Quick Research Report. Is LIC Housing Finance an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

LIC Housing Finance stock price today is Rs 582.25. To understand the functions of the LIC Housing Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 4765.41 Cr and the compounded growth of profit in the past 3 years is 20.3414152326672 %. The PAT margin of LIC Housing Finance is 17.5017 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In LIC Housing Finance , the EPS grew by 64.8345 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): LIC Housing Finance has a average ROE track record. The ROE of LIC Housing Finance is at 16.2934 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of LIC Housing Finance is worth at the current levels at Rs 582.25. LIC Housing Finance is trading at a current P/E ratio of 7.0537 and the average historical P/E for the last 5 years was 6.95940491304851.

  • P/B ratio can be one of the best metrics to value such companies. Currently, LIC Housing Finance is trading at a P/B of 0.9557 . The average historical P/B for the last 5 years was 0.848929122057097. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of LIC Housing Finance is Rs 582.25. One can use valuation calculators of ticker to know if LIC Housing Finance share price is undervalued or overvalued.

Last Updated on:
Brief about LIC Housing Finance

LIC Housing Finance Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

 

LIC Housing Finance Ltd. is a leading housing finance company in India, providing financial assistance to individuals for the purchase, construction, repair, and renovation of homes. As a long-term stock investor looking for stock analysis, you may be interested in understanding the company's performance in terms of share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders. Let's take a closer look at each of these topics.

LIC Housing Finance Ltd Share Price

LIC Housing Finance Ltd.'s share price is a significant factor in stock analysis. At Ticker, we offer a platform that enables investors to gain insights into LIC Housing Finance Ltd.'s stock price movements. Ticker pre-built screening tools can help investors compare the stock's performance against industry peers. Additionally, our interactive price charts can aid investors in visualizing historical trends and patterns that can be used to make informed investment decisions.

LIC Housing Finance Ltd Balance Sheet

LIC Housing Finance Ltd.'s balance sheet reflects the company's financial position at a given point in time. It provides information about the company's assets, liabilities, and equity. Ticker pre-built screening tools allow you to perform fair value calculations using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can help you analyze the company's financial performance and make informed investment decisions.

LIC Housing Finance Ltd Annual Report

LIC Housing Finance Ltd.'s annual report is a comprehensive document that provides information about the company's financial performance, operations, and future plans. It includes details about the company's revenue, profits, expenses, assets, liabilities, and cash flows. Ticker provides the annual report as a downloadable document, making it easy for you to access and analyze.

LIC Housing Finance Ltd Dividend

LIC Housing Finance Ltd. has a track record of paying dividends to its shareholders. The dividend payout ratio has been [insert percentage] in the past year. As a long-term investor, it's important to consider the company's dividend history and policy, as it can impact your investment returns.

LIC Housing Finance Ltd Quarterly Result

LIC Housing Finance Ltd.'s quarterly results provide information about the company's financial performance over a three-month period. Ticker provides the quarterly results as a downloadable document, making it easy for you to access and analyze. Ticker pre-built screening tools allow you to perform fair value calculations using tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

LIC Housing Finance Ltd Stock Price

LIC Housing Finance Ltd.'s stock price is influenced by various factors, including market conditions, company news, and investor sentiment. Ticker provides a price chart that allows you to track the company's stock price over time. You can use this information to make informed investment decisions.

LIC Housing Finance Ltd Price Chart

LIC Housing Finance Ltd.'s price chart provides a visual representation of the company's stock price over time. It allows you to analyze the company's stock performance and identify trends. Ticker provides a pre-built screening tool that allows you to compare LIC Housing Finance Ltd.'s stock price with that of other companies in the same industry.

LIC Housing Finance Ltd News

LIC Housing Finance Ltd.'s news section provides the latest updates about the company's operations, financial performance, and other relevant news. Ticker provides a pre-built screening tool that allows you to filter news articles based on keywords and other criteria.

LIC Housing Finance Ltd Concall

LIC Housing Finance Ltd.'s concall provides an opportunity for investors and analysts to interact with the company's management and ask questions about the company's operations and financial performance. Ticker provides transcripts of the concall, making it easy for you to access and analyze the information.

LIC Housing Finance Ltd Transcripts

LIC Housing Finance Ltd.'s transcripts provide a detailed record of the company's concall, investor presentations, and other events. Ticker provides the transcripts as downloadable documents, making it easy for you to access and analyze the information.

LIC Housing Finance Ltd Investor Presentations

LIC Housing Finance Ltd.'s investor presentations provide information about the company's operations, financial performance, and future plans. Ticker provides the investor presentations as downloadable documents, making it easy for you to access and analyze the information.

LIC Housing Finance Ltd Promoters

LIC Housing Finance Ltd.'s promoters are the Life Insurance Corporation of India and its subsidiaries. They hold a significant stake in the company and play an important role in its operations and decision-making.

LIC Housing Finance Ltd Shareholders

LIC Housing Finance Ltd.'s shareholders include retail investors, institutional investors, and the company's promoters. As a long-term investor, it's important to consider the company's shareholder composition and their interests, as it can impact the company's decision-making and performance.

LIC Housing Finance Ltd ROCE

LIC Housing Finance Ltd ROCE (Return on Capital Employed) is a financial metric that provides insights into the company's profitability in relation to the capital it utilizes. By analyzing the ROCE data available in the financials table or ratio section above, investors can evaluate how effectively LIC Housing Finance Ltd generates returns on its capital investments. The ROCE ratio is an important indicator that helps assess the company's efficiency and profitability.

LIC Housing Finance Ltd EBITDA

LIC Housing Finance Ltd EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a vital financial measure that reflects the company's operational profitability. By excluding non-operating expenses, EBITDA provides valuable insights into LIC Housing Finance Ltd's core business performance. Investors can find the EBITDA data for the company in the financials table or ratio section above, enabling them to assess the company's cash flow and operating efficiency.

LIC Housing Finance Ltd DPS

LIC Housing Finance Ltd DPS (Dividends Per Share) represents the cash distributed to shareholders for each share held in the company. The DPS data available in the financials table or ratio section above allows investors to evaluate LIC Housing Finance Ltd's dividend policy and potential returns. The DPS metric is particularly important for income-seeking investors who rely on regular dividend payments.

LIC Housing Finance Ltd EPS

LIC Housing Finance Ltd EPS (Earnings Per Share) is a fundamental metric that indicates the company's profitability on a per-share basis. By analyzing the EPS data available in the financials table or ratio section above, investors can assess LIC Housing Finance Ltd's earning potential and performance. EPS is a significant measure used to determine the value and growth potential of the company's stock.

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