LIC Housing Finance Ltd (LICHSGFIN) AI Stock Analysis

• Market Cap: ₹320.05B
• Dividend Yield: 1.72%
• Average Volume (3M): 68.14K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 1.71
• Revenue Growth: 4.57%
• EPS Growth: 15.87%
• Country: IN
• Employees: 2,349
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 24.70
• Shares Outstanding: 550,063,000
• 10 Day Avg. Volume: 98,212
• 30 Day Avg. Volume: 68,140
• PEG Ratio: 0.39
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 3.72
• P/FCF Ratio: -1.85
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹663.60
• Price Target Upside: 14.05% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5

• Rating: 60 Neutral
• Price Target: ₹623.00 ▲(7.07% Upside)

The overall stock score is primarily influenced by strong technical momentum and a favorable valuation, despite financial performance concerns. The stock's low P/E ratio and positive price trends are significant positive factors, while high leverage and negative cash flows present risks.

LIC Housing Finance Ltd Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

LICHSGFIN generates revenue primarily through the interest earned on loans provided to customers. The company offers a range of home loan products, including fixed-rate and floating-rate loans, which contribute significantly to its income. Additionally, LICHSGFIN earns fees from processing loan applications and offers insurance products in collaboration with its parent company, LIC. The company also benefits from cross-selling opportunities and partnerships with real estate developers, which enhance its market reach and customer acquisition. The interest spread, which is the difference between the interest rates at which it borrows and lends, is a critical factor in its profitability.

LIC Housing Finance Ltd Financial Statement Overview

Summary

LIC Housing Finance Ltd shows strong profitability with a net profit margin of 65.60% and an EBIT margin of 86.33%. However, the company faces significant challenges with a drastic revenue decline of -63.58%, high leverage with a debt-to-equity ratio of 7.22, and negative cash flow metrics indicating potential liquidity issues.

Income Statement

The income statement shows a significant decline in revenue growth rate, with a negative growth of -63.58% in the latest period. Despite this, the company maintains strong profitability metrics with a net profit margin of 65.60% and an EBIT margin of 86.33%. However, the drastic revenue decline is a major concern.

Balance Sheet

The balance sheet reflects high leverage with a debt-to-equity ratio of 7.22, indicating significant reliance on debt financing. Return on equity is reasonable at 14.97%, suggesting efficient use of equity. However, the high leverage poses potential risks in terms of financial stability.

Cash Flow

The cash flow statement indicates negative operating and free cash flows, with a concerning free cash flow growth rate of -Infinity. The operating cash flow to net income ratio is negative, highlighting potential liquidity issues. The free cash flow to net income ratio is slightly above 1, indicating some alignment with net income, but overall cash flow health is weak.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	231.37B	82.96B	72.48B	64.11B	56.81B	52.84B
Gross Profit	83.99B	82.96B	72.18B	51.75B	43.08B	39.25B
EBITDA	54.81B	72.60B	238.14B	0.00	0.00	0.00
Net Income	54.42B	54.42B	47.59B	28.91B	22.86B	27.41B
Balance Sheet
Total Assets	3.14T	3.14T	2.91T	2.79T	2.55T	2.36T
Cash, Cash Equivalents and Short-Term Investments	14.74B	14.74B	16.55B	6.41B	8.24B	13.32B
Total Debt	2.62T	2.62T	2.43T	2.33T	2.06T	1.91T
Total Liabilities	2.78T	2.78T	2.60T	2.51T	2.30T	2.15T
Stockholders Equity	363.52B	363.52B	314.77B	271.85B	247.51B	206.01B
Cash Flow
Free Cash Flow	0.00	-166.83B	-71.88B	-196.88B	-167.65B	-113.34B
Operating Cash Flow	0.00	-166.09B	-71.51B	-196.23B	-167.29B	-113.24B
Investing Cash Flow	0.00	-9.39B	5.87B	-7.99B	-16.28B	8.58B
Financing Cash Flow	0.00	174.13B	73.46B	202.49B	178.50B	104.28B

LIC Housing Finance Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 581.85
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:LICHSGFIN, the sentiment is Negative. The current price of 581.85 is above the 20-day moving average (MA) of 568.54, above the 50-day MA of 574.96, and above the 200-day MA of 572.74, indicating a neutral trend. The MACD of 3.62 indicates Negative momentum. The RSI at 49.28 is Neutral, neither overbought nor oversold. The STOCH value of 45.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:LICHSGFIN.

LIC Housing Finance Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	72 Outperform	103.55B	11.78	16.91%	1.54%	9.28%	14.93%
REPCOHOME	61 Neutral	22.95B	4.99	13.47%	0.68%	9.72%	7.08%
LICHSGFIN	60 Neutral	₹320.05B	5.82	―	1.72%	4.57%	15.87%
GICHSGFIN	55 Neutral	9.60B	7.27	8.16%	2.52%	0.10%	-18.71%
FUSION	52 Neutral	31.01B	-1.58	-74.52%	―	-17.87%	-461.29%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%