LIC Housing Finance Ltd (IN:LICHSGFIN)
:LICHSGFIN
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LIC Housing Finance Ltd
(LICHSGFIN)
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Rating:55Neutral
Price Target:
₹507.00
▲(2.01% Upside)
Action:ReiteratedDate:10/31/25
The overall stock score is primarily influenced by financial performance challenges, including declining revenue and high leverage, which pose significant risks. Technical analysis suggests some bullish momentum, but caution is advised due to potential overbought conditions. The stock's valuation appears attractive with a low P/E ratio, offering potential upside if financial stability improves.
Positive Factors
Strong profitability margins
Very 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.
Negative Factors
Very high leverage
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability margins
Very 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.
Read all positive factors
LIC Housing Finance Ltd (LICHSGFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹284.49B
Dividend Yield1.87%
Average Volume (3M)58.15K
Price to Earnings (P/E)5.3
Beta (1Y)1.41
Revenue Growth4.79%
EPS Growth13.08%
CountryIN
Employees2,349
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
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)103.29
Revenue Forecast (FY)₹94.24B
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; co...
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
45
Neutral
Balance Sheet
50
Neutral
Cash Flow
30
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 284.43B | 277.23B | 270.65B | 225.14B | 198.17B | 197.22B |
| Gross Profit | 84.41B | 81.95B | 86.77B | 63.80B | 56.66B | 52.72B |
| EBITDA | 72.63B | 69.77B | 61.37B | 36.30B | 28.42B | 34.18B |
| Net Income | 55.21B | 54.42B | 47.63B | 28.91B | 22.86B | 27.41B |
Balance Sheet | ||||||
| Total Assets | 3.19T | 3.14T | 2.91T | 2.79T | 2.55T | 2.36T |
| Cash, Cash Equivalents and Short-Term Investments | 10.61B | 14.74B | 16.55B | 8.22B | 9.99B | 14.82B |
| Total Debt | 2.62T | 2.62T | 2.43T | 2.33T | 2.06T | 1.90T |
| Total Liabilities | 2.81T | 2.78T | 2.60T | 2.51T | 2.30T | 2.15T |
| Stockholders Equity | 385.16B | 363.52B | 314.77B | 271.85B | 247.51B | 206.01B |
Cash Flow | ||||||
| Free Cash Flow | -43.05B | -166.83B | -71.88B | -196.88B | -167.65B | -113.34B |
| Operating Cash Flow | -42.75B | -166.09B | -71.51B | -196.23B | -167.29B | -113.24B |
| Investing Cash Flow | 17.28B | -9.39B | 5.87B | -7.99B | -16.28B | 8.58B |
| Financing Cash Flow | 16.10B | 174.13B | 73.46B | 202.49B | 178.50B | 162.45B |
LIC Housing Finance Ltd Technical Analysis
Neutral
497.00
Price Trends
512.61
Positive
528.39
Negative
553.86
Negative
Market Momentum
-3.85
Negative
54.72
Neutral
87.27
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:LICHSGFIN, the sentiment is Neutral. The current price of 497 is below the 20-day moving average (MA) of 500.12, below the 50-day MA of 512.61, and below the 200-day MA of 553.86, indicating a neutral trend. The MACD of -3.85 indicates Negative momentum. The RSI at 54.72 is Neutral, neither overbought nor oversold. The STOCH value of 87.27 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 | ₹109.51B | 11.69 | ― | 1.37% | 8.92% | 12.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹7.63B | 5.34 | ― | 2.54% | 1.07% | -13.63% | |
62 Neutral | ₹602.18B | 26.76 | ― | 0.91% | 15.90% | 4.53% | |
62 Neutral | ₹22.77B | 5.62 | ― | 1.61% | 8.10% | 2.97% | |
55 Neutral | ₹284.49B | 5.31 | ― | 1.87% | 4.79% | 13.08% | |
48 Neutral | ₹23.77B | 45.02 | ― | ― | -31.94% | -1096.32% |
* Financial Sector Average
IN:LICHSGFIN
LIC Housing Finance Ltd
517.20
-35.08
-6.35%
IN:CANFINHOME
Can Fin Homes Ltd.
822.40
168.52
25.77%
IN:FUSION
Fusion Finance Ltd
147.85
13.85
10.34%
IN:GICHSGFIN
GIC Housing Finance Limited
141.75
-24.46
-14.72%
IN:LTF
L&T Finance Ltd
240.45
89.17
58.94%
IN:REPCOHOME
Repco Home Finance Ltd.
363.90
29.07
8.68%
LIC Housing Finance Ltd Corporate Events
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...
LIC Housing Finance Uploads Q3 FY26 Investor Presentation for Stakeholders
Jan 30, 2026
LIC Housing Finance Ltd has released and uploaded its investor presentation for the third quarter ended 31 December 2025 on its official website, providing detailed financial and operational updates for investors and analysts. The dissemination of...
LIC Housing Finance Q3 Profit Slips 3% as Loan Book and Disbursements Continue to Grow
Jan 30, 2026
LIC Housing Finance Ltd reported its unaudited results for the third quarter ended December 31, 2025, posting a profit after tax of Rs 1,383.95 crore, down 3% year-on-year, as net profit and profit before tax both softened slightly despite stable ...
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.