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

Answer:The historical performance of LIC Housing Fin. shows a consistent growth trend in net sales and profits over the years, with net sales increasing from 19,736.10 Cr in Mar'20 to 28,110.08 Cr in Mar'25. The total operating income also followed this upward trajectory, reaching 28,110.08 Cr in Mar'25, compared to 19,736.10 Cr in Mar'20. Operating profit (PBDIT) has seen significant growth, rising from 18,114.71 Cr in Mar'20 to 26,502.05 Cr in Mar'25, while profit before tax increased from 3,282.18 Cr in Mar'20 to 6,875.92 Cr in Mar'25. Profit after tax also demonstrated a positive trend, climbing from 2,403.66 Cr in Mar'20 to 5,439.76 Cr in Mar'25. The earnings per share (EPS) improved significantly from 47.59 in Mar'20 to 98.88 in Mar'25, reflecting enhanced profitability.

Breakdown:
The company's total expenditure, excluding depreciation, decreased from 1,592.17 Cr in Mar'20 to 1,608.65 Cr in Mar'25, indicating improved cost management despite rising sales. Interest expenses rose from 14,781.42 Cr in Mar'20 to 19,528.36 Cr in Mar'25, which impacted the gross profit margin that increased from 16.89% in Mar'20 to 24.81% in Mar'25. The total liabilities of LIC Housing Fin. grew from 2,16,393.46 Cr in Mar'20 to 3,12,740.71 Cr in Mar'25, driven by an increase in short-term borrowings. The total assets also rose significantly from 2,16,393.46 Cr in Mar'20 to 3,12,740.71 Cr in Mar'25, reflecting the company's expanding operations. Cash flow from operating activities showed a negative trend, with outflows increasing from -14,737.00 Cr in Mar'20 to -16,609.00 Cr in Mar'25, while cash and cash equivalents decreased from 1,369.00 Cr in Mar'20 to 1,288.00 Cr in Mar'25, indicating potential liquidity challenges despite overall growth in profits and revenues.