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LIC Housing Finance Ltd (IN:LICHSGFIN)
:LICHSGFIN
India Market
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LIC Housing Finance Ltd (LICHSGFIN) Ratios

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LIC Housing Finance Ltd Ratios

IN:LICHSGFIN's free cash flow for Q4 2025 was ₹0.31. For the 2025 fiscal year, IN:LICHSGFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.32 19.02 1.10 1.49
Quick Ratio
0.00 0.32 -5.48 -0.21 -0.05
Cash Ratio
0.00 0.31 24.36 1.34 1.66
Solvency Ratio
0.02 0.02 0.03 0.03 0.03
Operating Cash Flow Ratio
0.00 -1.32 -581.95 -22.40 -12.68
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -2.78T₹ -2.58T₹ -2.51T₹ -2.29T₹ -2.14T
Leverage Ratios
Debt-to-Assets Ratio
0.84 0.83 0.84 0.81 0.81
Debt-to-Equity Ratio
7.22 7.71 8.58 8.33 9.27
Debt-to-Capital Ratio
0.88 0.89 0.90 0.89 0.90
Long-Term Debt-to-Capital Ratio
0.88 0.84 0.00 0.00 0.00
Financial Leverage Ratio
8.64 9.26 10.25 10.29 11.44
Debt Service Coverage Ratio
0.20 1.22 -0.04 -0.04 -0.04
Interest Coverage Ratio
0.37 0.42 0.22 0.19 0.23
Debt to Market Cap
8.23 4.74 0.00 0.00 0.00
Interest Debt Per Share
5.13K 4.75K 4.54K 4.16K 4.07K
Net Debt to EBITDA
48.21 10.12 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
36.39%99.59%80.73%75.83%74.29%
EBIT Margin
22.53%327.59%-1.08%-0.92%-0.99%
EBITDA Margin
22.95%328.55%0.00%0.00%0.00%
Operating Profit Margin
30.76%106.05%54.46%48.09%62.69%
Pretax Profit Margin
29.47%83.67%55.54%49.06%63.69%
Net Profit Margin
23.33%65.66%45.09%40.23%51.87%
Continuous Operations Profit Margin
23.33%65.67%45.10%40.24%51.88%
Net Income Per EBT
79.16%78.48%81.18%82.00%81.44%
EBT Per EBIT
95.82%78.89%101.99%102.03%101.60%
Return on Assets (ROA)
1.75%1.63%1.04%0.90%1.16%
Return on Equity (ROE)
16.29%15.12%10.63%9.23%13.30%
Return on Capital Employed (ROCE)
2.31%2.69%1.25%1.08%1.41%
Return on Invested Capital (ROIC)
1.83%2.06%284.34%565.03%371.01%
Return on Tangible Assets
1.75%1.63%1.04%0.90%1.16%
Earnings Yield
17.25%13.60%15.99%12.01%12.68%
Efficiency Ratios
Receivables Turnover
2.03K 729.19 0.00 0.00 0.00
Payables Turnover
91.50 0.05 1.80 1.84 1.52
Inventory Turnover
0.00 0.00 1.50 1.40 0.99
Fixed Asset Turnover
72.89 22.12 18.17 19.21 18.73
Asset Turnover
0.08 0.02 0.02 0.02 0.02
Working Capital Turnover Ratio
0.00 -4.69 18.72 22.00 8.94
Cash Conversion Cycle
-3.81 -6.99K 41.62 62.74 128.73
Days of Sales Outstanding
0.18 0.50 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 244.08 261.28 368.60
Days of Payables Outstanding
3.99 6.99K 202.46 198.54 239.87
Operating Cycle
0.18 0.50 244.08 261.28 368.60
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -130.00 -356.75 -315.55 -224.38
Free Cash Flow Per Share
0.00 -130.68 -357.91 -316.22 -224.59
CapEx Per Share
0.00 0.68 1.17 0.67 0.21
Free Cash Flow to Operating Cash Flow
0.00 1.01 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
0.00 -14.16 -37.29 -33.27 -27.31
Capital Expenditure Coverage Ratio
0.00 -190.95 -306.14 -473.78 -1.05K
Operating Cash Flow Coverage Ratio
0.00 -0.03 -0.08 -0.08 -0.06
Operating Cash Flow to Sales Ratio
0.00 -0.99 -3.06 -2.94 -2.14
Free Cash Flow Yield
0.00%-20.54%-108.87%-88.09%-52.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
5.80 7.35 6.26 8.33 7.88
Price-to-Sales (P/S) Ratio
1.35 4.83 2.82 3.35 4.09
Price-to-Book (P/B) Ratio
0.88 1.11 0.67 0.77 1.05
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -4.87 -0.92 -1.14 -1.91
Price-to-Operating Cash Flow Ratio
0.00 -4.89 -0.92 -1.14 -1.91
Price-to-Earnings Growth (PEG) Ratio
5.46 0.11 0.29 -0.40 0.56
Price-to-Fair Value
0.88 1.11 0.67 0.77 1.05
Enterprise Value Multiple
54.10 11.59 0.00 0.00 0.00
Enterprise Value
2.93T 2.76T 2.51T 2.24T 2.11T
EV to EBITDA
54.10 11.59 0.00 0.00 0.00
EV to Sales
12.42 38.09 39.09 39.48 39.96
EV to Free Cash Flow
0.00 -38.41 -12.73 -13.38 -18.63
EV to Operating Cash Flow
0.00 -38.61 -12.77 -13.41 -18.64
Tangible Book Value Per Share
659.68 571.19 493.61 466.47 408.15
Shareholders’ Equity Per Share
660.99 572.24 494.21 466.85 408.22
Tax and Other Ratios
Effective Tax Rate
0.21 0.22 0.19 0.18 0.19
Revenue Per Share
428.68 131.77 116.55 107.16 104.70
Net Income Per Share
100.00 86.52 52.55 43.11 54.31
Tax Burden
0.79 0.78 0.81 0.82 0.81
Interest Burden
1.31 0.26 -51.58 -53.15 -64.13
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.00 -1.50 -5.51 -6.00 -3.36
Currency in INR
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