MarketFriction

LIC Housing Finance Ltd

NSE LICHSGFIN · BSE 500253 · Housing Finance Company
₹509.00 -4.00%
NSE close2026-10-01
52 week range458.90 - 598.20
Market cap₹30,171 Cr.
P/E5.26
Nifty 200Nifty 500Nifty Midcap 100Midcap 150Nifty Financial Services No price band Delivery 47.7%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue6,7656,8046,9486,7976,9387,0707,3037,1867,1797,2067,0947,083
Interest4,6004,6464,6494,7494,8794,9504,9515,0474,9944,9424,7864,946
Expenses670686800392372297546410450474346210
Financing Profit1,4961,4731,5001,6561,6871,8231,8061,7291,7351,7901,9621,926
Financing Margin %22%22%22%24%24%26%25%24%24%25%28%27%
Other Income000221001625
Depreciation131818222425262532343130
Profit before tax1,4831,4541,4821,6351,6651,7981,7801,7051,7031,7621,9331,901
Tax %20%20%27%20%20%20%23%20%21%21%23%21%
Net Profit1,1921,1691,0821,3061,3281,4351,3741,3641,3491,3981,4931,499
EPS in Rs21.6721.2519.6623.7524.1426.0924.9724.8024.5325.4227.1327.25
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue12,49114,09214,87617,39819,74019,88619,97822,71727,27728,09828,83828,562
Interest9,30710,23111,14412,89114,78114,45014,15116,13518,38819,53219,77119,669
Expenses6118879401,1041,5922,0123,0122,9642,7561,5951,8511,481
Financing Profit2,5732,9742,7923,4043,3673,4232,8153,6186,1336,9717,2167,413
Financing Margin %21%21%19%20%17%17%14%16%22%25%25%26%
Other Income12900-33-5271146914
Depreciation10101012515255696998122127
Profit before tax2,5752,9732,7823,3923,2823,3652,7873,5616,0686,8797,1037,300
Tax %35%35%28%28%27%19%18%19%22%21%21%
Net Profit1,6681,9422,0082,4342,4042,7412,2862,8914,7635,4435,6045,739
EPS in Rs33.0538.4939.7948.2347.6254.3141.5552.5586.5998.94101.87104.33
Dividend Payout %17%16%17%16%17%16%20%16%10%10%10%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth9%8%8%0%
Compounded Profit Growth13%15%25%4%
Stock Price CAGR-1%5%6%-3%
Return on Equity14%14%15%14%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital101101101101101101101110110110110110
Reserves7,7799,11411,05514,21016,23018,16420,50024,64127,07531,36736,24241,319
Borrowing96,532110,931126,337150,913170,657191,428207,925223,757244,913252,618270,726277,539
Other Liabilities8,21810,44113,5046,00413,7197,2277,1956,1796,4617,1986,9406,245
Total Liabilities112,630130,587150,997171,228200,707216,920235,721254,687278,559291,293314,018325,213
Fixed Assets90102102129168294282315388389377416
CWIP0053236410520
Investments2412805372,0083,6175,4854,6446,2797,0506,3376,9415,132
Other Assets112,298130,204150,352169,088196,920211,138230,789248,088271,120284,567306,647319,664
Total Assets112,630130,587150,997171,228200,707216,920235,721254,687278,559291,293314,018325,213
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-14,345-13,039-14,273-18,977-21,538-14,738-11,324-16,729-19,632-7,151-16,978-8,504
Cash from Investing Activity-58-58-2781,368-1,642-1,851858-1,629-800587-6791,752
Cash from Financing Activity14,23214,09815,07218,07424,06815,15610,42817,85020,2497,34617,5346,192
Net Cash Flow-1711,001521465887-1,434-37-508-183781-123-560
Free Cash Flow-14,364-13,062-14,288-19,012-21,588-14,752-11,334-16,765-19,673-7,188-17,051-8,556
CFO/OP-132%-104%-100%-129%-126%-76%-60%-92%-94%-23%-60%-27%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %18%20%19%16%16%14%14%10%11%16%16%14%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%
FIIs21.21%21.91%22.59%23.19%21.95%21.24%21.55%20.25%20.17%20.36%21.39%21.47%
DIIs21.51%21.76%21.99%21.22%20.53%21.44%21.34%22.20%22.14%21.81%20.89%21.02%
Public12.03%11.09%10.18%10.36%12.29%12.08%11.87%12.31%12.45%12.60%12.49%12.27%
No. of Shareholders3,24,8143,05,8622,97,8993,03,9613,61,8573,66,8993,64,1823,64,3883,58,9823,52,8733,47,9413,37,873

Fundamentals

Market Cap₹ 30,171 Cr.
Current Price₹ 548
Stock P/E5.26
Book Value₹ 753
ROCE8.59 %
ROE14.4 %
Dividend Yield1.82 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)0%
Compounded Profit Growth (TTM)4%
Consolidated figures.
Valuation
Market capRs 27,998 Cr
Enterprise valueRs 304,189 Cr
P/E (TTM)4.88x
Price to book0.68x
Price to sales0.98x
EV / EBITDA11.23x
EV / EBIT11.28x
EV / sales10.65x
Earnings yield20.50%
Dividend yield1.97%
P/E, 3-year average5.87x
P/B, 3-year average0.86x
P/E, 5-year average6.50x
P/B, 5-year average0.81x
Profitability
Operating margin (excl. other income)93.58%
Operating margin (incl. other income)93.61%
EBITDA margin94.87%
Pre-tax margin25.56%
Net profit margin20.09%
Net margin, latest quarter21.16%
ROE14.41%
ROCE8.59%
ROA1.75%
ROE, 3-year average15.56%
ROCE, 3-year average8.77%
ROA, 3-year average1.74%
ROE, 5-year average13.58%
ROCE, 5-year average8.20%
ROA, 5-year average1.45%
ROIC (approx.)6.70%
Tax rate21.11%
Other income / net worth0.02%
Growth
Sales growth (latest year)2.63%
Profit growth (latest year)2.97%
Sales CAGR, 3 years8.28%
Sales CAGR, 5 years7.72%
Profit CAGR, 3 years24.69%
Profit CAGR, 5 years15.38%
Sales growth QoQ-0.17%
Profit growth QoQ0.42%
Sales growth YoY (latest quarter)-1.44%
Profit growth YoY (latest quarter)9.90%
Per share
EPS (TTM)Rs 104.33
EPS (latest year)Rs 101.87
EPS (latest quarter)Rs 27.25
EPS, 3-year averageRs 95.80
EPS, 5-year averageRs 76.30
Book value per shareRs 753.17
Sales per shareRs 519.25
Cash flow per shareRs -154.60
Free cash flow per shareRs -155.55
Dividend per share (latest year)Rs 10.01
Dividend per share, 3-year averageRs 9.67
Dividend per share, 5-year averageRs 9.21
Dividends
Dividend payout9.82%
Dividend payout, 3-year average10.11%
Dividend payout, 5-year average13.40%
Efficiency
Asset turnover0.09x
Fixed asset turnover69.25x
Debtor days0 days
Debtors turnover3740.29x
Leverage
Total debtRs 277,539 Cr
Cash and bankRs 1,348 Cr
Net debtRs 276,191 Cr
Debt to equity6.70x
Net debt / EBITDA10.19x
Interest coverage1.37x
Owners' fund to total sources12.74%
Debt to assets85.34%
Cash flow
Cash from Operating Activity (latest year)Rs -8,504 Cr
Cash from Investing Activity (latest year)Rs 1,752 Cr
Cash from Financing Activity (latest year)Rs 6,192 Cr
Net Cash Flow (latest year)Rs -560 Cr
Free cash flow (latest year)Rs -8,556 Cr
FCFE (approx.: FCF + change in debt)Rs -1,743 Cr
Cash from ops / profit, 5 years-3.29x
Statement figures
Net sales (TTM)Rs 28,562 Cr
Net sales (latest year)Rs 28,838 Cr
Sales (latest quarter)Rs 7,083 Cr
Operating profit excl. other income (latest year)Rs 26,987 Cr
Operating profit (latest quarter)Rs 6,873 Cr
Other income (TTM)Rs 14 Cr
EBITDA (TTM)Rs 27,096 Cr
PBDT (TTM)Rs 7,427 Cr
Profit before tax (TTM)Rs 7,300 Cr
Tax (latest year)Rs 1,499 Cr
Net profit (TTM)Rs 5,739 Cr
Net profit (latest year)Rs 5,604 Cr
Net profit (latest quarter)Rs 1,499 Cr
Depreciation (TTM)Rs 127 Cr
Depreciation (latest quarter)Rs 30 Cr
Interest (TTM)Rs 19,669 Cr
Cost of goods sold (latest year)Rs 196 Cr
Total expenditure (latest year)Rs 1,851 Cr
Total income (latest year)Rs 28,847 Cr
Share capitalRs 110 Cr
ReservesRs 41,319 Cr
Shareholders' fundsRs 41,429 Cr
Total assetsRs 325,213 Cr
Net blockRs 416 Cr
InvestmentsRs 5,132 Cr
ReceivablesRs 8 Cr
Other liabilitiesRs 6,245 Cr
Shares outstanding (crore)55.01
Ownership
Promoter holding45.24% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 4.9 is the lowest in its own 9.4-year history (median 8.6, low 4.9, high 21.0).
P/B 0.68 is the lowest in 9.4 years (median 1.05).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodLICHSGFINNifty 50Difference
1 week-9.8%-2.8% -7.0 pts
1 month-4.8%-6.8% +1.9 pts
3 months-8.1%-7.6% -0.5 pts
6 months+2.8%+0.4% +2.4 pts
1 year-10.9%-9.9% -1.0 pts
2 years-25.2%-13.6% -11.7 pts
3 years+9.6%+14.2% -4.6 pts
5 years+18.9%+27.9% -9.0 pts
151 mutual fund schemes hold about ₹5,367 Cr. Over three months 42 bought more and 29 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
ICICI Pru Value Fund1.09%657 +4%
Kotak Multi Cap Fund1.54%451 -4%
Bandhan Large & Mid Cap Fund1.74%366 -8%
ICICI Pru Multi Asset Allocation Fund0.40%350 +0%
ICICI Pru Banking & Fin Serv Fund2.75%311 -14%
ICICI Pru Banking & Fin Serv Fund2.75%309 -14%
HDFC Large & Mid Cap Fund0.80%243 +0%
Nippon India Small Cap Fund0.26%216 -1%
Kotak Arbitrage Fund(M0.25%188 +3770%
Bandhan Small Cap Fund0.51%176 -13%
Quant Multi Cap Fund1.94%150 +4%
ICICI Pru India Opp Fund0.35%135 +1%
ICICI Pru Small Cap Fund1.33%130 -1%
ICICI Pru Small Cap Fund1.33%126 -1%
Quant Small Cap Fund0.34%120 -5%
HDFC Arbitrage Fund(M0.43%109 +79%
Tata Large & Mid Cap Fund1.35%104 +7%
Kotak Equity Savings Fund(M0.95%102 -1%
Aditya Birla SL Arbitrage Fund0.31%84 -7%
Tata Arbitrage Fund0.28%71 +5%
Nippon India Power & Infra Fund0.86%69 +11%
ICICI Pru Arbitrage Fund0.18%64 +56%
SBI Arbitrage Fund0.12%55 -40%
DSP Arbitrage Fund0.72%48 +32%
UTI Arbitrage Fund0.43%48 +67%

Red flags

F-score 3 of 8
explainWeak cash conversion Cash from operations was -206% of net profit over the last 3 years
explainLow interest cover Interest cover 1.4x in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹7,083 Cr -1.4% vs Jun 2025. Net profit ₹1,499 Cr +9.9%.

Activity

Compare
CompanyMcap (Cr)P/EROCE
Bajaj Housing Finance Ltd67,70925.08.85 %
Piramal Finance Ltd50,3431126.47 %
PNB Housing Finance Ltd28,64112.29.44 %
Aadhar Housing Finance Ltd18,96016.411.4 %
Sammaan Capital Ltd15,8534.92 %
Aptus Value Housing Finance India Ltd11,68611.915.4 %
Home First Finance Company India Ltd11,44319.711.1 %
AAVAS Financiers Ltd9,89914.49.92 %
Can Fin Homes Ltd9,7438.629.14 %
India Shelter Finance Corporation Ltd6,98613.212.9 %
Repco Home Finance Ltd2,1614.4910.1 %
GIC Housing Finance Ltd7234.607.71 %
SRG Housing Finance Ltd2216.4611.8 %
Reliance Home Finance Ltd76-432 %
Ind Bank Housing Ltd5113.0-1.11 %
No bulk or block deals on record.
Ex-dateActionFactor
2026-08-21Dividend - Rs 10 Per Share
2025-08-22Dividend - Rs 10 Per Share
2024-08-23Annual General Meeting/Dividend - Rs 9 Per Share
2023-08-18Annual General Meeting/Dividend - Rs 8.50 Per Share
2022-09-19Annual General Meeting/Dividend - Rs 8.50 Per Share
2021-09-16 Annual General Meeting/Dividend - Rs 8.50 Per Share
2020-09-17 Annual General Meeting/Dividend - Rs 8 Per Share
2019-08-16 Annual General Meeting/ Dividend - Rs 7.60 Per Share
2018-08-09 Annual General Meeting / Dividend- Rs 6.80 Per Share
2017-08-08 Annual General Meeting/Dividend - Rs 6.20 Per Share
2016-08-09 Annual General Meeting/ Dividend - Rs 5.50/- Per Share
2015-08-07Annual General Meeting/ Dividend - Rs 5/- Per Share
2014-08-07Annual General Meeting / Dividend - Rs 4.50/- Per Share
2013-07-09Annual General Meeting / Final Dividend Rs.3.80/- Per Equity Share
2012-07-06Annual General Meeting And Dividend Rs.3.60 Per Share
2011-07-04Annual General Meeting And Dividend Rs.3.50 Per Share
2010-12-30Face Value Split From Rs.10/- To Rs.2/-0.2000
2010-06-29Dividend-Rs.15/- Pr Share
2009-06-29Agm/Div-Rs.13/- Per Share
2008-06-13Agm/Dividend - 100%
2007-06-28Agm/Dividend-30%
2007-03-26Interim Dividend-50%
2006-07-19Agm/Dividend-60%
DateTypeWhat it says
2026-09-24Disclosure under SEBI TakeovLIC Housing Finance Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) and 31 (5) of the Securities and Exchange Board ...
2026-09-22Shareholder meetingNotice of Postal Ballot
2026-09-03Shareholder meetingTranscript of 37th AGM
2026-08-31Change in ManagementChange in Senior Management-Cessation of I Sreedhar
2026-08-28AppointmentAppointment of Mr Sandeep Kumar as Managing Director & CEO of the company w.e.f. August 29, 2026.
2026-08-28CessationCessation of Mr T Adhikari as Managing Director and Chief Executive Officer of the company w.e.f. August 28, 2026.
2026-08-28Board meeting outcomeOutcome of Board Meeting held on August 28, 2026.
2026-08-28Shareholder meetingVoting results.
2026-08-28Shareholder meetingProceedings of Annual General Meeting held on August 28, 2026
2026-08-27Disclosure of material issueLIC Housing Finance Limited has informed regarding Clarification with respect to Media Reports concerning NCLT Order in the Personal Insolvency Procee...
2026-08-21UpdatesClarification of date of submission of documents for Tax on Dividend (TDS) for final Dividend FY 2025-26.
2026-08-06UpdatesSubmitting Machine Readable / legible copy of Financial Results .
2026-08-05Concall / analyst meetTranscript
2026-08-04Shareholder meetingNotice of 37th Annual General Meeting to be held on August 28, 2026
2026-07-31UpdatesAppointment of Ms. Varsha Hardasani as Company Secretary of LICHFL Care Homes Limited (additional charge.
2026-07-31Concall / analyst meetPresentation and Link of Recording
2026-07-30Press ReleaseA press release dated July 30, 2026, titled "Press Release for Q1 FY 2026-27".
2026-07-30Investor PresentationInvestor Presentation
2026-07-30Board meeting outcomeLIC Housing Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-28Concall / analyst meetSchedule of meet
2026-07-06Record DateRecord date for the purpose of Dividend is 21-Aug-2026.
2026-07-06Board meeting outcomeOutcome of Board Meeting held on July 06, 2026.
2026-06-05Disclosure under SEBI TakeovLife Insurance Corporation of India has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of ...
2026-05-21Concall / analyst meetTranscript
2026-05-14Concall / analyst meetPresentation and Link of Recording
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
Put / call open interest0.74
Max pain (expiry 2026-10-27)530
Largest call open interest at560
Largest put open interest at500
Implied volatility, at the money30.2%
Underlying at snapshot509.00
Open interest by strike around the price, nearest expiry. End-of-day NSE snapshot, 01-Oct-2026 15:40:00. Max pain is the strike where option buyers together would lose the most at expiry.
Trade dateShares sold short
2026-09-30390
2026-09-2927,930
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-28NCLTLIC Housing Finance Ltd. Vs Durha Vitrak Pvt Ltd.
2021-07-08NCLTM/s. LIC Housing Finance Limited. Vs IREO Waterfront Private Limited.
2021-07-05NCLTLIC Housing Finance Limited Vs K V Developers Private Limited
2021-04-13NCLTLIC Housing Finance Ltd. Vs Durha Vitrak Pvt Ltd.
2021-03-24NCLTLIC Housing Finance Limited, Vs SRS Real Estate Limited
2021-03-23NCLTLIC Housing Finanace Ltd Vs Victory Infratech Pvt Ltd.
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of LIC Housing Finance Ltd?

LIC Housing Finance Ltd (LICHSGFIN) has a market capitalisation of Rs 30,171 Cr. at the 2026-10-01 close.

What is the P/E ratio of LIC Housing Finance Ltd?

LIC Housing Finance Ltd trades at a P/E of 5.26 on trailing twelve-month profit, at the 2026-10-01 close.

What were LIC Housing Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, LIC Housing Finance Ltd revenue was Rs 7,083 Cr (-1.4% vs Jun 2025) and net profit was Rs 1,499 Cr.

What is the 52-week high and low of LIC Housing Finance Ltd?

The 52-week high is Rs 598.20 and the 52-week low is Rs 458.90.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03