LIC Housing Finance Ltd (IN:LICHSGFIN)
:LICHSGFIN
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LICHSGFIN Stock Chart & Stats
₹540.05
-₹2.30(-0.39%)
At close: 4:00 PM EST
₹540.05
-₹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
₹300.17B
Enterprise Value₹2.95T
Total Cash (Recent Filing)₹10.61B
Total Debt (Recent Filing)₹2.62T
Price to Earnings (P/E)4.6
Beta1.31
Next Earnings
Jul 30, 2026EPS Estimate
25.05Next Dividend Ex-DateN/A
Dividend Yield1.87%
Share Statistics
EPS (TTM)100.39
Shares Outstanding550,063,000
10 Day Avg. Volume43,522
30 Day Avg. Volume58,149
Financial Highlights & Ratios
PEG Ratio1.65
Price to Book (P/B)0.66
Price to Sales (P/S)0.95
P/FCF Ratio5.11
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹600.00Price Target Upside11.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)104.92
Revenue Forecast (FY)₹94.47B
Bulls Say, Bears Say
Bulls Say
Revenue & Profitability TrendsLICHSGFIN shows multi-year revenue expansion and meaningful net-income improvement since 2022, with a strong step-up in 2024 sustained into 2026. Durable improvement in top-line and margins enhances the firm's capacity to fund operations, absorb credit costs, and support long-term lending growth.
Return On Equity & Capital BaseMaterial equity expansion alongside ~15% ROE in 2024–2025 indicates management has grown the capital base while maintaining acceptable returns. This supports sustained loan origination capacity, reduces per-unit capital strain, and gives structural room to scale the mortgage franchise without immediate dilution.
Stable Mortgage Lending Model & Fee IncomeThe business is built on net interest income from retail mortgage spreads plus ancillary fees and securitization income. This model generates predictable, recurring revenue tied to housing demand, providing a durable earnings base so long as underwriting discipline and funding access are maintained.
Bears Say
High LeverageThe company’s very high leverage (debt-to-equity ~7–9x) materially raises refinancing and funding risks. Elevated borrowings amplify credit-loss impact, constrain strategic flexibility, and make the franchise more sensitive to interest-rate moves and market dislocations over the medium term.
Volatile Cash FlowsHistorically negative and volatile operating/free cash flow through 2025 implies reliance on external funding for growth and liquidity. Such cash-flow instability complicates provisioning, increases refinancing dependency, and raises the chance of funding stress during adverse market cycles.
Inconsistent Loan GrowthThe company’s loan and revenue growth trajectory is uneven, with periods of rapid expansion followed by cooling. This inconsistency reduces predictability of earnings and capital needs, suggesting sensitivity to macro/funding conditions and making strategic planning and stable margin management more difficult.
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 ₹300.17B.
When is LIC Housing Finance Ltd’s upcoming earnings report date?
LIC Housing Finance Ltd’s upcoming earnings report date is Jul 30, 2026 which is in 70 days.
How were LIC Housing Finance Ltd’s earnings last quarter?
LIC Housing Finance Ltd released its earnings results on May 13, 2026. The company reported ₹27.2 earnings per share for the quarter, beating the consensus estimate of ₹25.936 by ₹1.264.
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 25.05.
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 ₹27.2 in its last earnings report, beating expectations of ₹25.936. Following the earnings report the stock price went up 3.242%.
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
₹600.00
▲(11.10% Upside)
Technical Analysis
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