LICHSGFIN

LIC Housing Finance Ltd.

NSE: LICHSGFIN

BSE: 500253

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

554.55+1.6 (+0.30%)

3 Jul, 1:59 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

52.6 / 100

Value Score

87.3 / 100

Price Momentum Score

65.9 / 100

QVM Score

86.4 / 100

Key Metrics

Market Cap

30399.20

P/E (TTM)

5.42

P/B

0.73

P/S (TTM)

1.06

EV/EBITDA

38.04

CAPE (5Y)

7.21

ROE (TTM)

14.41

ROCE (TTM)

2.52

ROA (TTM)

1.75

Avg 3Y ROE

15.56

Earnings 3Y CAGR

24.69

Sales 3Y CAGR

8.37

Sales 5Y CAGR

7.70

Debt/Equity

6.43

Consensus TP

635.00

Strong Buy %

19.23

Promoter Holding

45.24

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of LIC Housing Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.73 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -54.66%

What is P/B Ratio?

Median: 1.61

Value 0.73

0.3912.29

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 1.35% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Not enough data

High and stable operating margin

The company reported strong operating margin of 26.67% for 12-month ended 31 Mar 2026 and operating margin improved marginally by 109 bps from 1 year ago

What is Operating profit margin?

Consistently pays dividend

The company has not missed dividend payments once in the last 10 financial years

What is Dividend streak?

Negative

Moderate ROE but declining trend

The company reported moderate ROE of 14.41% for 12-month ended 31 Mar 2026 but ROE declined by -163 bps from 1 year ago

What is ROE (FY)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of 2.42% for 12-month ended 31 Mar 2026 and the growth was 10.05 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 12.47

Value 2.42

-31.2666.22

Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of 2.96% for 12-month ended 31 Mar 2026 and the growth was 11.17 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Neutral

High, but decreasing Debt to Equity

The company has high Debt to Equity of 6.43 as on 31 Mar 2026 but Debt to Equity decreased by 0.79 in the last 1 year

What is Debt to Equity?

Moderate dividend yield

The company has a moderate dividend yield of 1.81%

What is Dividend yield?

Financial Snapshot

See detailed analysis

Multi-year trends for LIC Housing Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

LIC Housing Finance Ltd. Shareholding Pattern

Quarterly breakdown of LIC Housing Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	40.31	40.31	40.31	40.31	40.31	40.31	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24
Indian Promoter	40.31	40.31	40.31	40.31	40.31	40.31	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	46.32	44.89	44.85	44.65	45.02	44.37	39.03	38.38	39.26	39.89	41.65	42.06	41.84	42.19	42.72	43.68	44.58	44.41	42.47	42.68	42.89	42.46	42.31	42.17	42.28
Mutual Funds / UTI	8.21	4.74	4.49	7.12	9.27	8.20	9.06	9.61	11.20	12.95	14.38	15.48	17.23	18.66	15.26	15.92	16.48	16.26	15.82	16.72	17.03	18.08	18.24	18.21	17.72
FI/Bank/Insurance	5.68	5.73	5.70	8.01	7.28	7.05	5.74	5.13	4.97	6.14	6.23	7.04	6.73	6.17	6.10	5.74	5.37	4.63	4.29	4.33	3.96	3.74	3.75	3.51	3.10
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	32.32	34.27	34.44	29.26	28.20	28.80	24.07	23.46	23.03	20.67	20.76	19.14	17.48	17.01	20.96	21.62	22.31	23.19	21.95	21.24	21.55	20.26	20.17	20.36	21.39
Other Institutions	0.12	0.14	0.23	0.25	0.27	0.32	0.16	0.18	0.07	0.12	0.28	0.40	0.40	0.34	0.40	0.39	0.42	0.33	0.42	0.39	0.35	0.38	0.15	0.09	0.07
Non-Institution	13.37	14.80	14.83	15.04	14.67	15.32	15.73	16.38	15.50	14.88	13.10	12.70	12.92	12.57	12.04	11.08	10.18	10.35	12.29	12.08	11.87	12.30	12.45	12.59	12.48
Bodies Corporate	0.68	0.67	0.83	0.90	0.78	0.86	1.00	1.09	1.31	1.26	1.00	1.14	1.06	1.18	1.28	1.18	0.95	0.96	1.06	1.08	1.03	1.07	1.34	1.22	1.19
Others (incl. Retail) No. of shareholders	12.69 2,36,577	14.13 2,72,008	14.00 2,95,138	14.14 2,82,225	13.89 2,95,167	14.46 3,22,650	14.73 3,82,822	15.29 4,14,558	14.19 4,50,541	13.62 4,40,741	12.10 3,76,313	11.56 3,63,379	11.86 3,61,602	11.39 3,47,853	10.76 3,23,449	9.90 3,04,490	9.23 2,96,530	9.39 3,02,504	11.23 3,60,112	11.00 3,65,137	10.84 3,62,435	11.23 3,62,625	11.11 3,57,446	11.37 3,51,388	11.29 3,46,461

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Housing Finance Company	14.56%	2 / 12
2	BSE Enhanced Value	1.26%	22 / 30
3	Nifty Financial Services	0.75%	20 / 20
4	Nifty Midcap 100	0.48%	81 / 100
5	Nifty Midcap 150	0.4%	97 / 149
6	NIFTY Large Midcap 250	0.21%	162 / 250
7	Nifty 500	0.08%	220 / 499
8	Nifty Total Market	0.08%	223 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in LIC Housing Finance Ltd. shares as reported to NSE and BSE.

Name	Date	Type	Price	Qty.	Value
Ishares Msci India Small-Cap Etf	25 Oct 2022	buy	₹ 416.05	1.62 lac	₹ 6.73 cr
Ishares India Sc Mauritius Company	25 Oct 2022	sell	₹ 416.05	1.62 lac	₹ 6.73 cr
Ishares Core Msci Emerging Markets Etf	25 Oct 2022	buy	₹ 416.05	3.43 lac	₹ 14.26 cr
Ishares Core Emerging Markets Mauritius Co	25 Oct 2022	sell	₹ 416.05	3.43 lac	₹ 14.26 cr
Ishares Core Emerging Markets Mauritius Co	17 Oct 2022	sell	₹ 405.95	5.39 lac	₹ 21.87 cr
Ishares Msci India Small-Cap Etf	17 Oct 2022	buy	₹ 405.95	80.79 k	₹ 3.28 cr
Ishares India Sc Mauritius Company	17 Oct 2022	sell	₹ 405.95	80.79 k	₹ 3.28 cr
Ishares Core Msci Emerging Markets Etf	17 Oct 2022	buy	₹ 405.95	5.39 lac	₹ 21.87 cr
Ishares Msci India Small-Cap Etf	11 Oct 2022	buy	₹ 416.20	59.25 k	₹ 2.47 cr
Ishares India Sc Mauritius Company	11 Oct 2022	sell	₹ 416.20	59.25 k	₹ 2.47 cr

Corporate Actions

History of LIC Housing Finance Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 10/share
Record date: 22nd Aug 2025Ex-date: 22nd Aug 2025
Announced on: 15th May 2025
Dividend₹ 9/share
Record date: 23rd Aug 2024Ex-date: 23rd Aug 2024
Announced on: 15th May 2024
Dividend₹ 8.50/share
Record date: 18th Aug 2023Ex-date: 18th Aug 2023
Announced on: 16th May 2023
Dividend₹ 8.50/share
Record date: 20th Sep 2022Ex-date: 19th Sep 2022
Announced on: 18th May 2022
Dividend₹ 8.50/share
Record date: 18th Sep 2021Ex-date: 16th Sep 2021
Announced on: 15th Jun 2021

Company Profile

Overview of LIC Housing Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

LIC Housing Finance Limited is a housing finance company. It provides long-term finance to individuals for the purchase or construction of a house/flat for residential purposes in India. Its Loans segment offers finance for purchase, construction, repairs, renovation of house/buildings. Its Other Se...

Key personnel

Shri. Lokesh Mundhra

Chief Financial Officer

Ms. Varsha Chandra Hardasani

Compliance Officer, Company Secretary

Shri. Doraiswamy RamachandranD

Non-Executive Chairman of the Board

Shri. Tribhuwan AdhikariD

Chief Executive Officer, Managing Director, Executive Director

Shri. Ratnakar PatnaikD

Additional Non-Executive (Nominee) Director

Shri. Pottimutyala Koteswara RaoD

Non-Executive Director

Shri. Akshay Kumar RoutD

Non-Executive Director

Shri. Ramesh Lakshman AdigeD

Non-Executive Independent Director

View all

Incorporated on

19 Jun 1989

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

15 Sep 1994

Free Float

53,71,63,367

Website

https://www.lichousing.com/

Phone no.

+912222049799

Address

131, MAKER TOWER, F PREMISES, 13TH FLOOR CUFFE PARADE, , 400005, India

Frequently Asked Questions

What is the current share price of LIC Housing Finance Ltd.?

The current share price of LIC Housing Finance Ltd. is ₹ 554.55 as of 3 Jul 2026.

What is the market capitalisation of LIC Housing Finance Ltd.?

The market capitalisation of LIC Housing Finance Ltd. stands at ₹ 30,399.20 Cr.

What is the PE ratio of LIC Housing Finance Ltd.?

The Price-to-Earnings (PE) ratio of LIC Housing Finance Ltd. is 5.42 as of the latest trailing twelve months data.

What is the ROE and ROCE of LIC Housing Finance Ltd.?

LIC Housing Finance Ltd. has a Return on Equity (ROE) of 14.41% and a Return on Capital Employed (ROCE) of 2.52% as per the latest financial reports.

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

The 52-week high of LIC Housing Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of LIC Housing Finance Ltd.?

The dividend yield of LIC Housing Finance Ltd. is 1.81% based on the current market price.

What is the FII and DII holding in LIC Housing Finance Ltd.?

Foreign Institutional Investors (FII) hold 21.39%, Domestic Institutional Investors (DII) hold 20.82% and retail/public investors hold 11.29% of LIC Housing Finance Ltd. shares.

What sector does LIC Housing Finance Ltd. belong to?

LIC Housing Finance Ltd. operates in the Financial Services sector. 46.15% of analysts have a Buy or Strong Buy rating on LIC Housing Finance Ltd. with a consensus target price of ₹ 635.00, implying 14.9% upside from current levels.

What is the beta of LIC Housing Finance Ltd.?

The beta of LIC Housing Finance Ltd. is 1.06, indicating its price volatility relative to the broader market. Over the past 1 year, LIC Housing Finance Ltd. has delivered an absolute return of -8.34%.

What is the RSI of LIC Housing Finance Ltd.?

The 14-day Relative Strength Index (RSI) of LIC Housing Finance Ltd. is 51.37, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

LIC Housing Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

LIC Housing Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Company Profile

Holdings and Presence

Stock Analysis

Corporate Actions