LIC Housing Finance Ltd (IN:LICHSGFIN)
:LICHSGFIN
LICHSGFIN Stock Chart & Stats
₹497.00
-₹2.30(-0.39%)
At close: 4:00 PM EST
₹497.00
-₹2.30(-0.39%)
Day’s Range― - ―
52-Week Range₹459.05 - ₹646.60
Previous CloseN/A
Volume1.74M
Average Volume (3M)58.15K
Market Cap
₹284.49B
Enterprise Value₹2.89T
Total Cash (Recent Filing)₹10.61B
Total Debt (Recent Filing)₹2.62T
Price to Earnings (P/E)5.3
Beta1.40
Next Earnings
May 20, 2026EPS Estimate
22.77Next Dividend Ex-DateN/A
Dividend Yield1.87%
Share Statistics
EPS (TTM)25.16
Shares Outstanding550,063,000
10 Day Avg. Volume43,522
30 Day Avg. Volume58,149
Financial Highlights & Ratios
PEG Ratio0.39
Price to Book (P/B)0.85
Price to Sales (P/S)1.11
P/FCF Ratio-1.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹550.00Price Target Upside10.66% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)103.21
Revenue Forecast (FY)₹94.21B
Bulls Say, Bears Say
Bulls Say
Strong Profitability MarginsVery high reported net profit and EBIT margins indicate structural operating efficiency and pricing power in core lending and servicing. Sustained margins can help the company absorb credit costs, support internal capital generation, and preserve profitability through credit cycles over the medium term.
Stable Mortgage Lending Business ModelA core business of retail home loans and mortgage-backed lending yields predictable interest spread income and fee streams. This asset-liability franchise benefits from long-tenor receivables and recurring servicing fees, supporting durable cash flow generation if origination and funding access remain intact.
Reasonable Return On EquityROE near 15% indicates the company can produce returns on shareholder capital at an acceptable level, reflecting profitable loan deployment. Over the medium term this supports capacity to retain earnings and fund growth, provided underwriting and funding conditions remain stable.
Bears Say
Very High LeverageA debt-to-equity ratio above 7x signals heavy reliance on external funding and elevated refinancing risk. High leverage increases interest expense sensitivity, reduces financial flexibility, and amplifies solvency risk if credit costs or funding spreads rise, constraining long-term stability.
Negative Operating And Free Cash FlowPersistent negative operating and free cash flows undermine the firm's ability to self-fund loan growth and service debt. This structural cash deficit forces dependence on markets or securitization, raising susceptibility to funding shocks and limiting resilience across 2-6 month horizons.
Sharp Revenue Decline RecentlyA sudden ~63.6% revenue drop points to weaker origination, portfolio run-off, or one-off reductions in interest/fee income. Reduced scale impairs economies and may pressure margins, capital generation, and ability to cover fixed funding costs, making recovery and growth more challenging.
LIC Housing Finance Ltd News
LICHSGFIN FAQ
What was LIC Housing Finance Ltd’s price range in the past 12 months?
LIC Housing Finance Ltd lowest stock price was ₹459.05 and its highest was ₹646.60 in the past 12 months.
What is LIC Housing Finance Ltd’s market cap?
LIC Housing Finance Ltd’s market cap is ₹284.49B.
When is LIC Housing Finance Ltd’s upcoming earnings report date?
LIC Housing Finance Ltd’s upcoming earnings report date is May 20, 2026 which is in 45 days.
How were LIC Housing Finance Ltd’s earnings last quarter?
LIC Housing Finance Ltd released its earnings results on Jan 30, 2026. The company reported ₹25.16 earnings per share for the quarter, missing the consensus estimate of ₹25.27 by -₹0.11.
Is LIC Housing Finance Ltd overvalued?
According to Wall Street analysts LIC Housing Finance Ltd’s price is currently Undervalued.
Does LIC Housing Finance Ltd pay dividends?
LIC Housing Finance Ltd pays a Annually dividend of ₹10 which represents an annual dividend yield of 1.87%. See more information on LIC Housing Finance Ltd dividends here
What is LIC Housing Finance Ltd’s EPS estimate?
LIC Housing Finance Ltd’s EPS estimate is 22.77.
How many shares outstanding does LIC Housing Finance Ltd have?
LIC Housing Finance Ltd has 550,063,000 shares outstanding.
What happened to LIC Housing Finance Ltd’s price movement after its last earnings report?
LIC Housing Finance Ltd reported an EPS of ₹25.16 in its last earnings report, missing expectations of ₹25.27. Following the earnings report the stock price went up 0.727%.
Which hedge fund is a major shareholder of LIC Housing Finance Ltd?
Currently, no hedge funds are holding shares in IN:LICHSGFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
LIC Housing Finance Ltd
LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. It offers deposits; home loans to residents and non-residents, as well as to pensioners; construction finance and term loans for builders/developers; and loans for staff quarters and other lines of credit for corporates. The company also provides loans against properties for companies and individuals; loans against securities; loans under rental securitization; and loans to professionals. In addition, it manages, advises, and acts as a trustee to venture capital and alternative investment funds; develops residential projects for senior citizens; and markets life and general insurance products, mutual funds, and credit and LIC cards. The company markets its products through home loan agents, direct sales agents, and customer relation associates. As of March 31, 2021, it operated through a network of 24 back offices, 282 marketing offices, 1 customer service point, and 9 regional offices, as well as representative offices in Dubai and Kuwait. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
LICHSGFIN Stock 12 Month Forecast
Average Price Target
₹550.00
▲(10.66% Upside)
Technical Analysis
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