Market Data
Market Cap₹31,040.06 Cr.
52W High₹598
Current Price₹564.3
52W Low₹459.05
Down from 52W High5.6 %
Face Value₹2
Performance
ROCE8.46 %
ROE13.85 %
EPS (TTM)₹27.25
EPS Prev Qtr₹27.13
EPS Last Year₹24.53
EBITDA Qtr₹1,896.06 Cr.
Book Value₹752
Financial Health
Debt/Equity6.69
Debt/Profit48.33
Total Assets₹3,25,212.94 Cr.
Dividend Yield1.77 %
Promoter Holding45.24 %
Earning Power2.24 %
Valuation
Stock P/E5.41
Industry P/E18.22
Price to Book0.75
Price to Sales1.09
Graham Number₹1,328.99
Key Metrics
Book Value
₹751.24
Capital Adequacy %
24.22%
Debt/Equity
6.59
__derived
1
Face Value
₹2
Gross NPA %
2.14%
Loan Book
₹3,22,098 Cr
Loans Disbursed
₹15,014 Cr
Net Interest Income
₹2,076 Cr
Net NPA %
1.12%
NIM %
2.58%
Provision Coverage %
48.12%
ROE %
14%
About LIC Housing Finance Ltd
Financial Services · Finance
LIC Housing Finance Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹2. Market cap ₹31,040.06 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Net NPA ratio is low at 1.12%, indicating strong asset quality.
- Provision coverage ratio is 48.12%, showing robust provisions against potential defaults.
- Capital Adequacy ratio stands at 24.22%, well above regulatory requirements, ensuring financial stability.
- Net Interest Margin (NIM) is 2.58%, reflecting healthy interest income generation.
- P/B ratio of 0.75 suggests the stock may be undervalued relative to its book value.
- Dividend yield of 1.78% provides a modest income stream for investors.
Weaknesses
- Return on Capital Employed (ROCE) is 8.46%, which may be considered moderate.
- Return on Equity (ROE) is 13.85%, indicating room for improvement in shareholder returns.
- Debt to Equity ratio of 6.69 suggests a high level of leverage, which could increase financial risk.
- P/E ratio of 5.39 is relatively low, potentially indicating market concerns about future growth prospects.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue fell 2.3% YoY, Profit grew 9.9% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 7,250.16 | 7,179.25 | 7,205.84 | 7,094.38 | 7,082.59 |
| ↳ QoQ Growth | - | -1.0% | +0.4% | -1.5% | -0.2% |
| Expenses | 5,545.84 | 5,476.79 | 5,449.81 | 5,163.16 | 5,186.53 |
| Operating Profit | 1,704.32 | 1,702.46 | 1,756.03 | 1,931.22 | 1,896.06 |
| OPM % | 23.51% | 23.71% | 24.37% | 27.22% | 26.77% |
| Other Income | 0 | 0.52 | 5.52 | 0.09 | 2.99 |
| Interest | 5,046.01 | 4,994.08 | 4,941.93 | 4,786.36 | 4,946.35 |
| Depreciation | 24.9 | 32.33 | 33.55 | 30.94 | 30.15 |
| EBITDA | 1,729.22 | 1,734.79 | 1,789.58 | 1,962.16 | 1,926.21 |
| EBITDA Margin % | 23.85% | 24.16% | 24.84% | 27.66% | 27.2% |
| Profit Before Tax | 1,704.6 | 1,703 | 1,762.42 | 1,933.47 | 1,901.18 |
| Tax % | 19.98% | 20.77% | 20.66% | 22.8% | 21.15% |
| Net Profit | 1,364 | 1,349.37 | 1,398.27 | 1,492.63 | 1,499.03 |
| ↳ QoQ Growth | - | -1.1% | +3.6% | +6.7% | +0.4% |
| EPS | 24.8 | 24.53 | 25.42 | 27.13 | 27.25 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 28729.63 | 28562.06 |
| Expenses | 21635.6 | 21276.29 |
| Operating Profit | 7094.03 | 7285.77 |
| OPM % | 24.69% | 25.51% |
| Other Income | 6.13 | 9.12 |
| Interest | 19768.38 | 19668.72 |
| Depreciation | 121.72 | 126.97 |
| Profit Before Tax | 7103.49 | 7300.07 |
| Tax % | 21.11% | 21.38% |
| Net Profit | 5604.27 | 5739.3 |
| EPS | 101.88 | 104.33 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-0.52%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
13.85%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 110.08 | 110.08 |
| Reserves | 36241.71 | 41318.85 |
| Borrowings | 270725.53 | 277355.8 |
| Other Liabilities | 6940.26 | 6428.2 |
| Total Liabilities | 314017.6 | 325212.94 |
| Fixed Assets | 352.47 | 387.29 |
| CWIP | 0.09 | 0 |
| Investments | 6941.41 | 5161.25 |
| Other Assets | 306723.63 | 319664.4 |
| Total Assets | 314017.6 | 325212.94 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | -8503.83 |
| Cash from Investing Activity | 1752.04 |
| Cash from Financing Activity | 6191.79 |
| Net Cash Flow | -560 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 608.01 |
| ROCE % | 14.82% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 45.24% | 45.24% | 45.24% | 45.24% |
| FIIs % | 20.17% | 20.36% | 21.39% | 21.47% |
| DIIs % | 22.14% | 21.81% | 20.89% | 21.02% |
| Public % | 9.86% | 10.09% | 9.98% | 9.74% |
| No. of Shareholders | 3,58,982 | 3,52,873 | 3,47,941 | 3,37,873 |
Major Shareholders (>1%)
- Life Insurance Corporation Of IndiaPromoter and Promoter Group45.24%
- Isif Equity Ex-top 100 Long-short FundPublic Shareholding6.99%
- Government Pension Fund GlobalPublic Shareholding2.14%
- Bank Muscat India FundPublic Shareholding2.09%
As of 2026-06-30View all shareholders →