LIC Housing Finance Ltd (IN:LICHSGFIN)
:LICHSGFIN
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LIC Housing Finance Ltd
(LICHSGFIN)
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Rating:69Neutral
Price Target:
₹614.00
▲(13.69% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by mixed fundamentals: strong profitability trends are meaningfully tempered by high leverage and historically weak/volatile cash flows. Technicals are supportive with price above major moving averages and positive momentum. Valuation is a clear positive due to the very low P/E and a modest dividend yield.
Positive Factors
Revenue & Profitability Trends
LICHSGFIN 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.
Negative Factors
High Leverage
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profitability Trends
LICHSGFIN 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.
Read all positive factors
LIC Housing Finance Ltd (LICHSGFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹302.01B
Dividend Yield1.87%
Average Volume (3M)58.15K
Price to Earnings (P/E)5.4
Beta (1Y)1.27
Revenue Growth2.62%
EPS Growth2.96%
CountryIN
Employees2,349
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
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)105.3
Revenue Forecast (FY)₹94.60B
LIC Housing Finance Ltd Business Overview & Revenue Model
Company Description
LIC Housing Finance Limited, an Indian housing finance specialist, offers a comprehensive range of lending solutions for acquiring, constructing, repairing, and renovating residential and commercial properties throughout India. Its financial produ...
How the Company Makes Money
LIC Housing Finance makes money mainly through net interest income from lending activities: it borrows funds (e.g., via market borrowings, bonds/debentures, bank facilities, securitization/assignment, and other funding sources) and lends primarily...
LIC Housing Finance Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
56
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 284.43B | 288.12B | 277.23B | 270.65B | 225.14B | 198.17B |
| Gross Profit | 84.41B | 86.70B | 81.95B | 86.77B | 63.80B | 56.66B |
| EBITDA | 72.63B | 72.25B | 69.77B | 61.37B | 36.30B | 28.42B |
| Net Income | 55.21B | 56.04B | 54.42B | 47.63B | 28.91B | 22.86B |
Balance Sheet | ||||||
| Total Assets | 3.19T | 3.25T | 3.14T | 2.91T | 2.79T | 2.55T |
| Cash, Cash Equivalents and Short-Term Investments | 10.61B | 13.48B | 14.74B | 16.55B | 8.22B | 9.99B |
| Total Debt | 2.62T | 2.66T | 2.62T | 2.43T | 2.33T | 2.06T |
| Total Liabilities | 2.81T | 2.84T | 2.78T | 2.60T | 2.51T | 2.30T |
| Stockholders Equity | 385.16B | 414.29B | 363.52B | 314.77B | 271.85B | 247.51B |
Cash Flow | ||||||
| Free Cash Flow | -43.05B | 53.30B | -166.83B | -71.88B | -196.88B | -167.65B |
| Operating Cash Flow | -42.75B | 53.82B | -166.09B | -71.51B | -196.23B | -167.29B |
| Investing Cash Flow | 17.28B | -121.34B | -9.39B | 5.87B | -7.99B | -16.28B |
| Financing Cash Flow | 16.10B | 61.92B | 174.13B | 73.46B | 202.49B | 178.50B |
LIC Housing Finance Ltd Technical Analysis
Positive
540.05
Price Trends
549.39
Negative
530.73
Positive
543.56
Positive
Market Momentum
0.91
Negative
50.67
Neutral
44.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:LICHSGFIN, the sentiment is Positive. The current price of 540.05 is below the 20-day moving average (MA) of 545.63, below the 50-day MA of 549.39, and below the 200-day MA of 543.56, indicating a neutral trend. The MACD of 0.91 indicates Negative momentum. The RSI at 50.67 is Neutral, neither overbought nor oversold. The STOCH value of 44.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:LICHSGFIN.
LIC Housing Finance Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹116.74B | 17.75 | ― | ― | ― | ― | |
70 Outperform | ₹117.98B | 10.84 | ― | 1.37% | 8.73% | 26.67% | |
70 Outperform | ₹261.31B | 11.42 | ― | 0.53% | 11.92% | 18.09% | |
69 Neutral | ₹302.01B | 5.40 | ― | 1.87% | 2.62% | 2.96% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹737.58B | 28.05 | ― | ― | 16.72% | 14.60% | |
59 Neutral | ₹120.58B | 22.09 | ― | 0.33% | 24.92% | 22.21% |
* Financial Sector Average
IN:LICHSGFIN
LIC Housing Finance Ltd
549.05
-31.97
-5.50%
IN:AAVAS
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1,472.30
-369.40
-20.06%
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
88.52
-30.48
-25.61%
IN:CANFINHOME
Can Fin Homes Ltd.
886.05
134.07
17.83%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,154.35
-138.90
-10.74%
IN:PNBHOUSING
PNB Housing Finance Limited
1,002.75
-50.88
-4.83%
LIC Housing Finance Ltd Corporate Events
LIC Housing Finance Announces Untimely Demise of Newly Appointed COO
May 10, 2026
LIC Housing Finance Ltd has announced the untimely demise of its Chief Operating Officer, Dr. Sanjay Dayal, who passed away on May 9, 2026, shortly after his appointment on April 10, 2026. The company has notified the National Stock Exchange of In...
LIC Housing Finance Strengthens Risk and Cybersecurity Leadership
Mar 25, 2026
LIC Housing Finance has strengthened its senior management structure by extending the tenure of Chief Risk Officer J. Sangameswar from May 9, 2026 to April 30, 2028. The company has also appointed Jimit Narendra Shah as Chief Information Security ...
LIC Housing Finance Strengthens Risk and Cybersecurity Leadership With Senior Management Changes
Mar 25, 2026
LIC Housing Finance Ltd has announced changes in its senior management, with the board approving the extension of Chief Risk Officer J. Sangameswar’s tenure from May 9, 2026, to April 30, 2028. The company has also appointed Jimit Narendra S...
LIC Housing Finance Discloses Postal Ballot Results on Independent Director Re-appointment
Mar 13, 2026
LIC Housing Finance Ltd has announced the results of a postal ballot process conducted to seek shareholder approval for the re-appointment of Smt. Jagennath Jayanthi as a Non-Executive Independent Director. The e-voting period ran from February 12...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.