LIC Housing Fin.

Who are the top shareholders of the LIC Housing Fin.?

The top shareholders of LIC Housing Finance are the Life Insurance Corporation of India with 45.24%, foreign institutional investors holding 21.55%, and mutual funds with a combined 17.03%. Kotak Mahindra Trustee Co Ltd is the largest public shareholder at 4.08%, while individual investors own about 9.6%.

The top shareholders of LIC Housing Finance include the Life Insurance Corporation of India, which holds a significant 45.24% stake as the largest promoter. Additionally, foreign institutional investors (FIIs) collectively hold 21.55%, while mutual funds are represented by 35 schemes with a combined holding of 17.03%. The highest public shareholder is Kotak Mahindra Trustee Co Ltd, which holds 4.08%. Individual investors account for approximately 9.6% of the total shares.

What does LIC Housing Fin. do?

LIC Housing Finance Ltd (LICHFL) is a leading housing finance company in India, established in 1989, that provides long-term loans for purchasing or constructing residential properties. As of March 2025, it reported net sales of ₹7,306 Cr and a net profit of ₹1,373 Cr, with a market cap of ₹33,741 Cr.

Overview:<BR>LIC Housing Finance Ltd (LICHFL) is one of the largest housing finance companies in India, focused on providing long-term finance for the purchase or construction of residential properties.<BR><BR>History:<BR>LIC Housing Finance Ltd was incorporated in the year 1989. The latest quarterly results reported are for March 2025, showing net sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 7,306 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 1,373 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 33,741 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 6.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 1.50% <BR>Debt-Equity: 7.45 <BR>Return on Equity: 14.97% <BR>Price to Book: 0.91 <BR><BR>Contact Details:<BR>Address: Bombay Life Building 2nd Floor, 45/47 Veer Nariman Road Mumbai Maharashtra : 400001 <BR>Tel: 91-22-22040006/22049682/22049919 <BR>Email: lichousing@lichousing.com <BR>Website: http://www.lichousing.com

Has LIC Housing Fin. declared dividend?

Yes, LIC Housing Finance Ltd has declared a 450% dividend, amounting to ₹9 per share, with an ex-date of August 23, 2024. While recent returns have been negative, the company has shown significant growth over the longer term, particularly with a total return of 149.24% over the past five years.

LIC Housing Finance Ltd has declared a 450% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 450%<BR>- Amount per share: 9 per share<BR>- Ex-date: 23 Aug 24<BR><BR>Dividend Yield: 1.5%<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -4.45%, with a dividend return of 0%, resulting in a total return of -4.45%.<BR><BR>Over the past year, the price return was -5.78%, the dividend return was 1.32%, leading to a total return of -4.46%.<BR><BR>In the 2-year period, the price return was 64.42%, the dividend return was 4.55%, culminating in a total return of 68.97%.<BR><BR>For the 3-year period, the price return was 64.45%, with a dividend return of 8.47%, resulting in a total return of 72.92%.<BR><BR>In the last 4 years, the price return was 15.68%, the dividend return was 7.37%, yielding a total return of 23.05%.<BR><BR>Over the past 5 years, the price return was 134.18%, the dividend return was 15.06%, leading to a total return of 149.24%.<BR><BR>Overall, LIC Housing Finance Ltd has declared a substantial dividend, and while recent returns have been negative over shorter periods, the longer-term returns indicate significant growth, particularly in the last five years.

Who are the peers of the LIC Housing Fin.?

LIC Housing Finance's peers include Bajaj Housing, PNB Housing, Aadhar Housing Finance, and others. It has average management risk, below-average growth, and the lowest 1-year return at -10.99% compared to its peers.

Peers: Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Aavas Financiers, Home First Finan, Can Fin Homes, Sammaan Capital, INDIA SHELTE FIN, Repco Home Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at LIC Housing Fin., Aavas Financiers, Home First Finan, and Repco Home Fin. Average management risk is present at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., and Sammaan Capital, and the rest. Growth is Excellent at Home First Finan and Aptus Value Hou., Good at Aadhar Hsg. Fin., Aavas Financiers, and the rest, while Below Average growth is noted at LIC Housing Fin. and PNB Housing. Capital Structure is Excellent at Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Aavas Financiers, Home First Finan, and INDIA SHELTE FIN, Average at LIC Housing Fin., and Good at Can Fin Homes, while the rest have Average or Below Average ratings.<BR><BR>Return Snapshot: The peer with the highest 1-year return is PNB Housing at 45.11%, while the lowest is LIC Housing Fin. at -10.99%. Compared to its peers, LIC Housing Fin. has a lower 1-year return. Additionally, Sammaan Capital and Repco Home Fin. have negative six-month returns.

Who are in the management team of LIC Housing Fin.?

As of March 2023, the management team of LIC Housing Fin. includes Y Viswanatha Gowd as Managing Director & CEO, Siddhartha Mohanty as Chairman, and several independent and non-executive directors. The team is composed of diverse professionals overseeing the company's operations.

As of March 2023, the management team of LIC Housing Fin. consists of the following individuals:<BR><BR>1. V K Kukreja - Non-Executive & Independent Director<BR>2. Ameet N Patel - Non-Executive & Independent Director<BR>3. Dharmendra Bhandari - Non-Executive & Independent Director<BR>4. P Koteshwara Rao - Non-Executive & Independent Director<BR>5. Kashi Prasad Khandelwal - Non-Executive & Independent Director<BR>6. Sanjay Kumar Khemani - Independent Director<BR>7. Akshay Rout - Director<BR>8. Y Viswanatha Gowd - Managing Director & CEO<BR>9. J Jayanthi - Independent Director<BR>10. Varsha Hardasani - Company Secretary & Compliance Officer<BR>11. Ravi Krishan Takkar - Independent Director<BR>12. Siddhartha Mohanty - Chairman (Non-Executive)<BR>13. Jagannath Mukkavilli - Nominee (LIC)<BR><BR>This diverse board includes various independent and non-executive directors, along with key executive roles.

When is the next results date for LIC Housing Fin.?

LIC Housing Fin. will announce its results on 01 August 2025.

LIC Housing Fin. will declare its results on 01 August 2025.

How big is LIC Housing Fin.?

As of 24th July, LIC Housing Finance Ltd has a market capitalization of 34,030.00 Cr and reported net sales of 28,110.08 Cr and a net profit of 5,442.23 Cr over the latest four quarters.

As of 24th July, <BR><BR>Market Cap: LIC Housing Finance Ltd has a market capitalization of 34,030.00 Cr, categorizing it as a Large Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 28,110.08 Cr, while the sum of Net Profit for the same period is 5,442.23 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2024. Shareholder's Funds stand at 31,476.66 Cr, and Total Assets are valued at 2,89,695.25 Cr.

Is LIC Housing Fin. overvalued or undervalued?

As of November 21, 2025, LIC Housing Finance is considered undervalued with a valuation grade of attractive, featuring a PE ratio of 5.45, a Price to Book Value of 0.78, and an EV to EBITDA of 11.17, which are significantly lower than peers like HUDCO and PNB Housing.

As of 21 November 2025, the valuation grade for LIC Housing Finance has moved from very attractive to attractive. The company is currently considered undervalued. Key ratios include a PE ratio of 5.45, a Price to Book Value of 0.78, and an EV to EBITDA of 11.17. <BR><BR>In comparison to peers, HUDCO is very expensive with a PE of 16.44, while PNB Housing is fairly valued with a PE of 10.74. The lower valuation ratios of LIC Housing Finance suggest it is trading at a discount relative to its peers, reinforcing the view of undervaluation. Additionally, LIC Housing Finance has underperformed the Sensex over the past year, which may further support its current attractive valuation.

How has been the historical performance of LIC Housing Fin.?

LIC Housing Fin. has shown consistent growth in net sales and profits, with net sales increasing from INR 19,736.10 crore in March 2020 to INR 28,110.08 crore in March 2025, and profit after tax rising from INR 2,403.66 crore to INR 5,439.76 crore during the same period, despite facing cash flow challenges.

Answer:<BR>The historical performance of LIC Housing Fin. shows a consistent growth trend in net sales and profits over the years, with significant increases noted in the latest fiscal year ending March 2025.<BR><BR>Breakdown:<BR>LIC Housing Fin. has demonstrated a steady increase in net sales from INR 19,736.10 crore in March 2020 to INR 28,110.08 crore in March 2025. Total operating income followed a similar trajectory, reaching INR 28,110.08 crore in March 2025, up from INR 19,736.10 crore in March 2020. Operating profit (PBDIT) also saw growth, climbing from INR 18,114.71 crore in March 2020 to INR 26,502.05 crore in March 2025, indicating an improving operating profit margin, which stood at 94.28% in March 2025. Profit before tax increased significantly from INR 3,282.18 crore in March 2020 to INR 6,875.92 crore in March 2025, while profit after tax rose from INR 2,403.66 crore to INR 5,439.76 crore over the same period. The company's total liabilities increased from INR 2,16,393.46 crore in March 2020 to INR 3,12,740.71 crore in March 2025, with total debt also rising to INR 2,62,354.30 crore. On the cash flow front, the company reported a net cash outflow of INR 134 crore in March 2025, following a trend of negative cash flow from operating activities in recent years. Overall, LIC Housing Fin. has shown robust growth in revenue and profitability, despite challenges in cash flow management.

Is LIC Housing Fin. technically bullish or bearish?

As of December 4, 2025, LIC Housing Fin shows a bearish trend with moderate strength, supported by bearish MACD and moving averages, while mixed signals from Bollinger Bands and OBV suggest a cautious outlook.

As of 4 December 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish with moderate strength. The weekly MACD is bearish, and the daily moving averages confirm this bearish outlook. The Bollinger Bands indicate a bearish trend on the monthly timeframe, while the KST shows a mildly bullish signal weekly but remains bearish monthly. The OBV reflects a mildly bullish stance weekly but is mildly bearish monthly, indicating mixed signals. Overall, the lack of strong bullish indicators and the prevailing bearish signals suggest a cautious outlook for LIC Housing Fin.

Are LIC Housing Finance Ltd latest results good or bad?

LIC Housing Finance Ltd's latest results are disappointing, with a modest revenue growth of 1.97% and a net profit decline of 2.57% year-on-year, leading to a "SELL" rating and a low Mojo Score of 47, indicating challenges in market performance.

LIC Housing Finance Ltd's latest results reflect a mixed performance, indicating more challenges than successes. The company reported a modest revenue growth of 1.97% year-on-year, reaching ₹7,208.92 crores. However, this growth is significantly lower compared to the robust performance of its peers in the housing finance sector, which saw an overall increase of 28.14% over the past year.<BR><BR>Net profit for the quarter was ₹1,398 crores, which represents a decline of 2.57% compared to the same quarter last year. Additionally, the company's net interest margins have continued to compress, raising concerns among investors. The PAT margin also fell to 19.40%, down 90 basis points from the previous year, highlighting ongoing competitive and cost pressures.<BR><BR>The stock has underperformed significantly, down 9.85% over the past year, while the sector has thrived. This has led to a "SELL" rating, and the company's Mojo Score stands at a low 47 out of 100, indicating a bearish outlook.<BR><BR>In summary, while LIC Housing Finance maintains a stable asset quality and has a strong backing from its promoter, the overall financial performance suggests stagnation and challenges in capturing market share, making the latest results lean towards the negative side.

Should I buy, sell or hold LIC Housing Finance Ltd?

Why is LIC Housing Finance Ltd falling/rising?

As of 02-Feb, LIC Housing Finance Ltd's stock price is falling, currently at Rs 497.00, reflecting a decrease of Rs 10.3 or 2.03%. The stock has underperformed significantly with a year-to-date drop of 7.89% and declining investor interest, indicating poor long-term growth prospects.

As of 02-Feb, LIC Housing Finance Ltd's stock price is falling, currently at Rs 497.00, reflecting a decrease of Rs 10.3 or 2.03%. The stock has been underperforming significantly, with a decline of 1.91% over the past week and 8.89% over the past month, while also showing a year-to-date drop of 7.89%. In the last year, the stock has generated a return of -14.98%, contrasting sharply with the Sensex, which has increased by 5.37% during the same period.<BR><BR>Today's performance indicates that the stock is close to its 52-week low, just 2.72% away from Rs 483.5. It has experienced consecutive falls over the last two days, totaling a decline of 5.58%. The stock also touched an intraday low of Rs 488.6, which represents a drop of 3.69%. Additionally, it is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend.<BR><BR>Investor participation appears to be declining, as evidenced by a 1.6% decrease in delivery volume compared to the 5-day average. Despite having high institutional holdings at 42.17%, which typically suggests a level of confidence from more knowledgeable investors, the company's long-term growth prospects are poor. Net sales and operating profit have grown at annual rates of only 7.85% and 7.58%, respectively, and the stock has underperformed relative to broader market indices over multiple time frames.<BR><BR>In summary, the combination of poor recent performance, declining investor interest, and lackluster growth prospects are contributing to the falling stock price of LIC Housing Finance Ltd.

Which are the latest news on LIC Housing Fin.?