LICHSGFIN
LIC Housing Finance Limited (LICHSGFIN) Stock Analysis
LIC Housing Finance Limited is one of India's largest housing finance companies, promoted by Life Insurance Corporation of India. It provides home loans and related products to retail and project customers nationwide. Growth is driven by mortgage penetration and interest rate cycles. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹521.00
-5.56% 1W | -5.90% 52W
Market Cap
28.7k CR
P/E Ratio
5
52W High
₹598.2
52W Low
₹458.9
Div. Yield
1.88%
Beta
0.2
50 DMA
₹532.9
200 DMA
₹533
Profit Margin
65.2%
Inst. Own.
75.3%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,759 | 6,765 | 6,804 | 6,948 | 6,797 | 6,938 | 7,070 | 7,303 | 7,186 | 7,179 | 7,206 | 7,094 | 7,083 |
| Interest | 4,493 | 4,600 | 4,646 | 4,649 | 4,749 | 4,879 | 4,950 | 4,951 | 5,047 | 4,994 | 4,942 | 4,786 | 4,946 |
| Expenses | 602 | 670 | 686 | 800 | 392 | 372 | 297 | 546 | 410 | 450 | 474 | 346 | 210 |
| Financing Profit | 1,664 | 1,496 | 1,473 | 1,500 | 1,656 | 1,687 | 1,823 | 1,806 | 1,729 | 1,735 | 1,790 | 1,962 | 1,926 |
| Financing Margin % | 25% | 22% | 22% | 22% | 24% | 24% | 26% | 25% | 24% | 24% | 25% | 28% | 27% |
| Other Income | 0 | 0 | 0 | 0 | 2 | 2 | 1 | 0 | 0 | 1 | 6 | 2 | 5 |
| Depreciation | 19 | 13 | 18 | 18 | 22 | 24 | 25 | 26 | 25 | 32 | 34 | 31 | 30 |
| Profit before tax | 1,645 | 1,483 | 1,454 | 1,482 | 1,635 | 1,665 | 1,798 | 1,780 | 1,705 | 1,703 | 1,762 | 1,933 | 1,901 |
| Tax % | 20% | 20% | 20% | 27% | 20% | 20% | 20% | 23% | 20% | 21% | 21% | 23% | 21% |
| Net Profit | 1,319 | 1,192 | 1,169 | 1,082 | 1,306 | 1,328 | 1,435 | 1,374 | 1,364 | 1,349 | 1,398 | 1,493 | 1,499 |
| EPS in Rs | 23.98 | 21.67 | 21.25 | 19.66 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 10,812 | 12,491 | 14,092 | 14,876 | 17,398 | 19,740 | 19,886 | 19,978 | 22,717 | 27,277 | 28,098 | 28,838 | 28,562 |
| Interest | 8,310 | 9,307 | 10,231 | 11,144 | 12,891 | 14,781 | 14,450 | 14,151 | 16,135 | 18,388 | 19,532 | 19,771 | 19,669 |
| Expenses | 390 | 611 | 887 | 940 | 1,104 | 1,592 | 2,012 | 3,012 | 2,964 | 2,756 | 1,595 | 1,851 | 1,481 |
| Financing Profit | 2,112 | 2,573 | 2,974 | 2,792 | 3,404 | 3,367 | 3,423 | 2,815 | 3,618 | 6,133 | 6,971 | 7,216 | 7,413 |
| Financing Margin % | 20% | 21% | 21% | 19% | 20% | 17% | 17% | 14% | 16% | 22% | 25% | 25% | 26% |
| Other Income | 17 | 12 | 9 | 0 | 0 | -33 | -5 | 27 | 11 | 4 | 6 | 9 | 14 |
| Depreciation | 10 | 10 | 10 | 10 | 12 | 51 | 52 | 55 | 69 | 69 | 98 | 122 | 127 |
| Profit before tax | 2,119 | 2,575 | 2,973 | 2,782 | 3,392 | 3,282 | 3,365 | 2,787 | 3,561 | 6,068 | 6,879 | 7,103 | 7,300 |
| Tax % | 34% | 35% | 35% | 28% | 28% | 27% | 19% | 18% | 19% | 22% | 21% | 21% | |
| Net Profit | 1,396 | 1,668 | 1,942 | 2,008 | 2,434 | 2,404 | 2,741 | 2,286 | 2,891 | 4,763 | 5,443 | 5,604 | 5,739 |
| EPS in Rs | 27.65 | 33.05 | 38.49 | 39.79 | 48.23 | 47.62 | 54.31 | 41.55 | 52.55 | 86.59 | 98.94 | 101.87 | 104.33 |
| Dividend Payout % | 18% | 17% | 16% | 17% | 16% | 17% | 16% | 20% | 16% | 10% | 10% | 10% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 8.0% | 8.0% | 9.0% |
| Profit CAGR | 25.0% | 15.0% | 13.0% |
Shareholding Pattern
Promoters45.24%
FIIs20.25%
DIIs22.20%
Public12.31%
Promoters45.24%
FIIs20.17%
DIIs22.14%
Public12.45%
Promoters45.24%
FIIs20.36%
DIIs21.81%
Public12.60%
Promoters45.24%
FIIs21.39%
DIIs20.89%
Public12.49%
Promoters45.24%
FIIs21.47%
DIIs21.02%
Public12.27%
Promoters45.24%
FIIs17.66%
DIIs24.18%
Public12.92%
Promoters45.24%
FIIs22.59%
DIIs21.99%
Public10.18%
Promoters45.24%
FIIs21.55%
DIIs21.34%
Public11.87%
Promoters45.24%
FIIs21.39%
DIIs20.89%
Public12.49%
Promoters45.24%
FIIs21.47%
DIIs21.02%
Public12.27%
LICHSGFIN
Holdings Analysis
Key strengths & risk signals
70
Overall
81
Fundamental
60
Technical
Risks (4)
VERY HIGH DEBT! D/E of 7.22 - significant risk.
WEAK POSITION! Current price (521.0) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 5.6% (1 week), 4.0% (1 month), 5.3% (3 months).
BEARISH TREND! 50-day average (532.9) is below 200-day average (533.0) - negative signal.
Strengths (4)
EXCELLENT EFFICIENCY! 65.2% profit margin - company keeps strong profits.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 5,060,103 vs down days: 2,936,395. Ratio: 1.72x
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
NEUTRAL! RSI at 43.2 - balanced momentum.
Fundamental & Technical Analysis
70Overall
81Fundamental
60Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 10.3% (GOOD, 11/15). Profit CAGR: 24.7% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 65.2% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.20 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.88% yield - minimal income contribution.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 7.22 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 12.56% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (532.9) is below 200-day average (533.0) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (521.0) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
3/10
WEAK YEAR! Stock declined 5.9% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 5,060,103 vs down days: 2,936,395. Ratio: 1.72x
RSI
3/5
NEUTRAL! RSI at 43.2 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 44.6% of 52W range - neutral zone.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 5.6% (1 week), 4.0% (1 month), 5.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
LICHSGFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-09-03 | Concall PDF | |
| Q4FY262026-05-21 | Concall PDF | |
| Q3FY262026-02-04 | Concall PDF | |
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LICHSGFIN | ₹521.00 | 5 | 65.2% | 10.3% | 24.7% | -5.9% | 70 | BREAKDOWN | +9.9% | +0.4% | -2.4% | -12.6% |
| PNBHOUSING | ₹1,167.70 | 13.2 | 61.4% | 12.5% | 29.9% | +43.1% | 74 | APPROACHING SUPPORT | +4.5% | -15.0% | +9.4% | +0.2% |
| BAJAJHFL | ₹83.40 | 25.8 | 63.2% | 25.5% | 26.7% | -23.4% | 69 | APPROACHING RESISTANCE | +22.6% | +6.9% | +17.9% | +5.1% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
Data from TradeAlone · Updated daily
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