LIC Housing Finance

    LICHSGFIN
    NBFC
    ₹490.00
    Price as of 25 Oct 2026, 10:28 pm IST

    Market cap ₹26,953 Cr

    P/E
    4.70
    Day range
    ₹487.10 – ₹504.50
    52-week range
    ₹458.90 – ₹598.20
    Volume
    16.56 L
    Open
    ₹503.40
    Prev close
    ₹502.00

    Latest results · Q1 FY27(consolidated)Revenue ₹7,083 Cr-2.3%Profit ₹1,499 Cr+9.9%Margin 21.2%YoY vs the same quarter last year

    No red flags in exchange filings: no rising pledge, promoter selling, surveillance or critical filing on record.

    LICHSGFIN in NSE indices and F&O

    F&O margin for one lot of LICHSGFIN (1,000 shares)

    Research profile

    Composite 54 / 100

    Factor percentiles

    Value67
    Quality24
    Momentum50
    Low volatility77

    Derived metrics

    Earn. yield
    21.3%
    Graham no.
    ₹1,329.04
    vs Graham
    +171.2%
    ROE ÷ P/B
    22.1%
    12-1 mom.
    -0.1%
    Return / vol
    -0.49
    Piotroski
    4/5
    FCF yield
    -31.7%
    PEG
    0.54

    Appears in 7 scans

    Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.

    Peer comparison

    All 68 in NBFC
    Largest NBFC companies tracked, with sector medians
    CompanyM-capP/EP/BROEROCEOPMD/ESales YoY
    Bajaj FinanceBAJFINANCE₹5.78 L Cr26.674.7618.4%10.9%—4.08+22.8%
    National Stock Exchange of IndiaNSE₹4.13 L Cr39.37—33.0%41.0%78.0%0.01—
    Bajaj FinservBAJAJFINSV₹2.65 L Cr26.273.4526.2%11.0%41.0%5.52+19.1%
    Shriram FinanceSHRIRAMFIN₹2.04 L Cr14.421.8216.4%11.5%—2.12+15.8%
    Jio Financial ServicesJIOFIN₹1.35 L Cr77.961.051.2%2.0%63.0%0.32+73.2%
    BSE LtdBSE₹1.31 L Cr47.0019.9144.8%60.0%67.0%0.00+63.5%
    ICICI Prudential Asset Management CompanyICICIAMC₹1.31 L Cr37.6725.1985.8%115.0%73.0%0.00+16.3%
    LIC Housing FinanceLICHSGFIN₹26,953 Cr4.700.6514.4%8.6%—6.70-1.4%
    Sector median₹26,914 Cr20.192.7115.3%11.4%54.0%1.74+20.3%

    Sector as classified in the tracked universe; medians use every tracked NBFC company, and P/E only profitable ones. Tinted figures beat the median.

    Latest news

    Updated 5d ago

    Headlines about LIC Housing Finance from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.

    Key metrics

    P/E (TTM)
    4.7
    EPS (TTM)
    ₹104.33
    Price / Book
    0.65
    ROE (FY26)
    14.4%
    Dividend yield
    2.04%

    Moving averages (NSE)

    20-day
    ₹531.08
    Price below
    50-day
    ₹532.47
    Price below
    200-day
    ₹532.91
    Price below

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +8.3%
    Profit 3Y CAGR
    +24.7%
    Revenue YoY (Jun 2026)
    -1.4%
    Profit YoY (Jun 2026)
    +9.9%
    Net margin
    21.2%

    Revenue, profit & margin - quarterly

    ₹ crore; a loss shows red. Operating margin below, same periods.

    0 Cr2K Cr4K Cr6K Cr8K Cr
    • Revenue
    • Net profit

    Operating margin

    Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Jun 2026

    Who owns the company

    % of equity by quarter, latest Sept 2026

    Dec '24Mar '25Jun '25Sept '25Dec '25Mar '26Jun '26Sept '260%25%50%75%100%
    • Promoter
    • DII
    • FII
    • Public

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-40K Cr-20K Cr0 Cr20K Cr40K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY17FY18FY19FY20FY21FY22FY23FY24FY25FY260%5%10%15%20%15% screen

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); the ratio below, same years.

    0 Cr1L Cr2L Cr3L Cr
    • Equity
    • Debt

    Debt to equity

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 20260x10x20x

    Dividends per share

    ₹ by fiscal year of the ex-date; the latest year runs to date.

    FY18FY19FY20FY21FY22FY23FY24FY25FY26FY27₹0₹2.5₹5₹7.5₹10

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
    Revenue6,7656,8046,9486,7976,9387,0707,3037,1867,1797,2067,0947,083
    Interest4,6004,6464,6494,7494,8794,9504,9515,0474,9944,9424,7864,946
    Expenses670686800392372297546410450474346210
    Financing Profit1,4961,4731,5001,6561,6871,8231,8061,7291,7351,7901,9621,926
    Financing Margin %22%22%22%24%24%26%25%24%24%25%28%27%
    Other Income000221001625
    Depreciation131818222425262532343130
    Profit before tax1,4831,4541,4821,6351,6651,7981,7801,7051,7031,7621,9331,901
    Tax %20%20%27%20%20%20%23%20%21%21%23%21%
    Net Profit1,1921,1691,0821,3061,3281,4351,3741,3641,3491,3981,4931,499
    EPS in Rs₹21.67₹21.25₹19.66₹23.75₹24.14₹26.09₹24.97₹24.80₹24.53₹25.42₹27.13₹27.25

    From company filings, updated 24 Oct 2026. Consolidated figures where the company reports them. Information only, not investment advice.

    Strengths, risks & growth

    LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residential flats / houses to individuals and project finance to developers, Loan against Property (LAP), Lease Rental Discounting (LRD)for commercial properties as well as purchase of commercial shops/showrooms. etc.(Source : 201903 Annual Report Page No: 36 and 50)

    Strengths

    • Stock is trading at 0.65 times its book value

    Risks

    • Company has low interest coverage ratio.
    • The company has delivered a poor sales growth of 7.72% over past five years.
    • Company might be capitalizing the interest cost

    Compounded Sales Growth

    10 Years
    +9%
    5 Years
    +8%
    3 Years
    +8%
    TTM
    0%

    Compounded Profit Growth

    10 Years
    +13%
    5 Years
    +15%
    3 Years
    +25%
    TTM
    +4%

    Stock Price CAGR

    10 Years
    -2%
    5 Years
    +4%
    3 Years
    +3%
    1 Year
    -15%

    Return on Equity

    10 Years
    +14%
    5 Years
    +14%
    3 Years
    +15%
    Last Year
    +14%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderDec 2025Mar 2026Jun 2026Sept 2026Change
    Promoter45.24%45.24%45.24%45.24%0.00 pp
    FII20.36%21.39%21.47%18.93%-2.54 pp
    DII21.81%20.89%21.02%21.63%+0.61 pp
    Public12.60%12.49%12.27%14.19%+1.92 pp

    Filed with NSE for Sept 2026: promoters 45.24%, public 54.76% · XBRL filing

    Analysts & fund holdings

    56%
    56% recommend buy
    25 analysts cover the stock
    Valuation vs Thrifts & Mortgage Finance
    P/E4.7 vs 16.4
    Sector P/B2.12
    Beta1.22

    Who holds the shares, quarter by quarter

    Mutual funds 18.18% (+0.16 pp)
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    Sept 26
    • Promoters45.2%
    • Foreign institutions18.9%
    • Mutual funds18.2%
    • Insurance3.2%
    • Other domestic institutions0.3%
    • Retail9.3%
    • Others4.9%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    ICICI Pru Value Fund2.03%1.02%-0.13 pp
    Kotak Multi Cap Fund1.61%1.53%-0.23 pp
    Bandhan Large & Mid Cap Fund1.26%1.75%-0.31 pp
    HDFC Large & Mid Cap Fund0.83%0.84%-0.03 pp
    ICICI Pru Banking & Fin Serv Fund0.82%2.19%-1.28 pp

    Scorecard

    Performance
    Low
    Valuation
    Low
    Growth
    Low
    Profitability
    Avg
    Entry point
    Good
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Risk & trend

    From 275 daily sessions to 23 Oct 2026.

    Computed

    Risk

    Volatility (1Y)
    27.2%
    Downside volatility
    27.7%
    Worst 5% of days
    3.1%
    Average of that tail
    4.2%
    Max drawdown (1Y)
    22.4%
    Below its peak
    17.4%

    Against the market

    Beta vs Nifty 50
    0.96
    Correlation
    0.47
    Relative strength (3M)
    -2.9%
    ATR (14)
    3.4%

    Return

    Return 1M
    -13.3%
    Return 3M
    -8.2%
    Return 6M
    -12.4%
    Return 1Y
    -13.4%
    vs 200-day average
    -8.1%

    Momentum

    RSI (14)
    34.8
    MACD histogram
    -5.39
    Stochastic %K
    3.6
    ADX (14)
    20.8
    +DI / −DI
    19.7 / 35.5
    Money flow index
    58.9

    Participation

    Delivery (20d avg)
    45.4%
    vs its 60-day baseline
    -3.6 pts
    Volume vs 20-day
    -0.5σ
    Close vs day's VWAP
    -0.8%
    52-week position
    22 / 100

    These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

    Financial quality

    From consolidated statements to 31 Mar 2026.

    Computed

    Piotroski F-Score

    4 of 5 tested

    • Return on assets positive — passed
    • Operating cash flow positive — not testableno cash flow statement for this period
    • Return on assets improving — passed
    • Cash flow exceeds profit — not testableneeds cash flow and profit against assets
    • Debt to assets falling — passed
    • Current ratio improving — not testableno current assets or liabilities figure
    • No new equity issued — not testableno share count is collected, and financing cash flow mixes equity with debt
    • Operating margin improving — passed
    • Asset turnover improving — failed
    Free cash flow
    -₹8,556 Cr
    FCF yield
    -31.7%
    Cash conversion
    -1.52
    Accruals ratio
    0.043
    Net debt
    ₹2.65 L Cr
    Net debt / equity
    6.40
    EV / sales
    10.19
    PEG
    0.54
    Capex intensity
    0.2%
    Revenue CAGR
    -1.3%
    Profit CAGR
    8.7%

    Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

    Corporate actions

    • dividend
      ₹10.00

      Dividend - Rs 10 Per Share

      21 Aug 2026
      ex-date
    • dividend
      ₹10.00

      Dividend - Rs 10 Per Share

      22 Aug 2025
      ex-date
    • dividend
      ₹9.00

      Annual General Meeting/Dividend - Rs 9 Per Share

      23 Aug 2024
      ex-date
    • dividend
      ₹8.50

      Annual General Meeting/Dividend - Rs 8.50 Per Share

      18 Aug 2023
      ex-date
    • dividend
      ₹8.50

      Annual General Meeting/Dividend - Rs 8.50 Per Share

      19 Sept 2022
      ex-date
    • dividend
      ₹8.50

      Annual General Meeting/Dividend - Rs 8.50 Per Share

      16 Sept 2021
      ex-date
    • dividend
      ₹8.00

      Annual General Meeting/Dividend - Rs 8 Per Share

      17 Sept 2020
      ex-date
    • dividend
      ₹7.60

      Annual General Meeting/ Dividend - Rs 7.60 Per Share

      16 Aug 2019
      ex-date
    • dividend
      ₹6.80

      Annual General Meeting / Dividend- Rs 6.80 Per Share

      9 Aug 2018
      ex-date
    • dividend
      ₹6.20

      Annual General Meeting/Dividend - Rs 6.20 Per Share

      8 Aug 2017
      ex-date
    • dividend
      ₹5.50

      Annual General Meeting/ Dividend - Rs 5.50/- Per Share

      9 Aug 2016
      ex-date
    • dividend
      ₹5.00

      Annual General Meeting/ Dividend - Rs 5/- Per Share

      7 Aug 2015
      ex-date
    • dividend
      ₹4.50

      Annual General Meeting / Dividend - Rs 4.50/- Per Share

      7 Aug 2014
      ex-date
    • dividend
      ₹3.80

      Annual General Meeting / Final Dividend Rs.3.80/- Per Equity Share

      9 Jul 2013
      ex-date
    • dividend
      ₹3.60

      Annual General Meeting And Dividend Rs.3.60 Per Share

      6 Jul 2012
      ex-date
    • dividend
      ₹3.50

      Annual General Meeting And Dividend Rs.3.50 Per Share

      4 Jul 2011
      ex-date
    • split
      ₹2.00

      Face Value Split From Rs.10/- To Rs.2/-

      30 Dec 2010
      ex-date
    • dividend
      ₹15.00

      Dividend-Rs.15/- Pr Share

      29 Jun 2010
      ex-date
    • other
      Not available — not reported in this filing

      Agm/Div-Rs.13/- Per Share

      29 Jun 2009
      ex-date
    • dividend
      Not available — not reported in this filing

      Agm/Dividend - 100%

      13 Jun 2008
      ex-date

    Company announcements

    AGM/EGM
    Shareholder Meeting / Postal Ballot-Scrutinizer"s Report

    OUTCOME OF THE POSTAL BALLOT - SCRUTINIZER'S REPORT FOR THE APPOINTMENT OF SHRI SANDEEP KUMAR AS MANAGING DIRECTOR & CEO

    Board MeetingPrice-sensitive
    Board Meeting Intimation for Approve The Un-Audited Financial Results For The Second Quarter And Half Year Ended 30Th September, 2026

    LIC Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/10/2026 ,inter alia, to consider and approve Approve the Un-audited ....

    Company Update
    Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

    Compliance Certificate under Regulation 74(5) for September 2026.

    Insider Trading / SAST
    Closure of Trading Window

    Intimation of closure of Trading Window for quarter ended September 30, 2026.

    AGM/EGM
    Shareholder Meeting / Postal Ballot-Notice of Postal Ballot

    Notice of Postal Ballot for seeking approval if the members for consideration of appointment of Shri Sandeep Kumar (DIN 11239285) as Managing Director & Chief Executive Officer of the Company

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Outcome of AGM

    Transcript of 37th AGM

    Company Update
    Announcement under Regulation 30 (LODR)-Change in Management

    Intimation of change in senior Management -Cessation of Shri I Sreedhar

    Company Update
    Announcement under Regulation 30 (LODR)-Change in Directorate

    Appointment of Shri Sandeep Kumar as MD and CEO

    Company Update
    Announcement under Regulation 30 (LODR)-Change in Directorate

    Cessation of Shri T Adhikari as Managing Director and Chief Executive Officer

    Others
    Board Meeting Outcome for Outcome Of Board Meeting Dated 28Th August, 2026

    Outcome of Board Meeting dated 28th August, 2026

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Outcome of AGM

    Voting Result of 37th AGM

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Scrutinizer's Report

    Scrutinizer Report for 37th AGM

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Outcome of AGM

    Summary Proceedings of the 37th Annual General Meeting of LIC Housing Finance Limited

    Company Update
    Clarification With Respect To Media Report Regarding NCLT Order In The Insolvency Proceedings Of Dr. Subash Chandra

    We refer to certain media reports regarding the order of the Delhi Bench of NCLT in the personal insolvency proceedings of Dr. Subash Chandra under IBC and wish the provide clarification ....

    Company Update
    Clarification On Date Of Submission Of Documents For Tax On Dividend (TDS) For Final Dividend FY 2025-26

    Clarification on date of submission of documents for Tax on Dividend (TDS) for final dividend FY 2025-26

    Filed with BSE (scrip 500253); the last 45 days. Documents open at bseindia.com.

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.

    Sourced from the company's NSE XBRL filing dated 31 Jul 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.

    FAQ

    LIC Housing Finance: common questions

    Answered from the figures on this page.

    LIC Housing Finance last traded at ₹490.00 (NSE, as of 25 Oct 2026). The last session moved it down 2.39%.

    LIC Housing Finance is valued at about ₹26,953 crore (NSE, as of 25 Oct 2026).

    LIC Housing Finance trades at a price-to-earnings ratio of 4.70 (NSE, as of 25 Oct 2026). The P/E compares the share price with earnings per share, so it is only comparable between companies in the same industry.

    LIC Housing Finance has traded between ₹458.90 and ₹598.20 over the past 52 weeks, to 25 Oct 2026. It is currently 22% of the way up that range.

    LIC Housing Finance (LICHSGFIN) is classified under NBFC on this site's screener.