LIC Housing Fin.

Why is LIC Housing Finance Ltd falling/rising?

As of 07-Aug, LIC Housing Finance Ltd's stock price is at 504.10, down 1.9 (-0.38%), continuing a seven-day decline totaling 8.91%. Despite strong fundamentals, including a 13.5% ROE, the stock is underperforming against the Sensex and trading below key moving averages, indicating a bearish trend.

As of 07-Aug, LIC Housing Finance Ltd's stock price is falling, currently at 504.10, reflecting a decrease of 1.9 (-0.38%). The stock has been on a downward trend, having lost value for the last seven consecutive days, resulting in a total decline of 8.91% during this period. This decline is further highlighted by the stock's performance over various time frames, where it has underperformed against the benchmark Sensex. For instance, over the past week, the stock has decreased by 3.62%, while the Sensex has gained 0.52%. <BR><BR>Additionally, the stock is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Despite a rise in investor participation, with delivery volume increasing by 100.56% compared to the 5-day average, the overall sentiment remains negative. <BR><BR>While the company has a solid return on equity (ROE) of 13.5 and a favorable price-to-book value ratio of 0.7, these positive factors have not been sufficient to counteract the recent price declines. The stock's performance over the past year shows a return of -12.88%, despite a 4.3% increase in profits, suggesting that market sentiment may be weighing heavily on the stock's valuation.

Which are the latest news on LIC Housing Fin.?

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

Are LIC Housing Finance Ltd latest results good or bad?

LIC Housing Finance Ltd's latest results show a 9.90% increase in net profit to ₹1,498.85 crores, but a 1.44% decline in revenue raises concerns about growth. While profitability metrics are strong, the ongoing revenue contraction and high debt-to-equity ratio present significant challenges for investors.

LIC Housing Finance Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹1,498.85 crores for Q1 FY27, which is a solid 9.90% increase year-on-year. Additionally, the profit after tax (PAT) margin reached a record high of 21.21%, indicating strong profitability despite challenges in revenue growth.<BR><BR>However, the revenue for the same quarter declined by 1.44% year-on-year, marking the second consecutive quarter of revenue contraction. This decline raises concerns about the company's ability to grow its top line, especially in a competitive housing finance market. The company's revenue has decreased over the past five quarters, which could signal potential issues in loan disbursement or market share.<BR><BR>Moreover, while the return on equity (ROE) stands at a healthy 13.53%, the company's high debt-to-equity ratio of 6.70 times is a significant risk factor, amplifying both returns and potential losses.<BR><BR>In summary, while LIC Housing Finance has demonstrated impressive profitability metrics, the ongoing revenue decline and high leverage present challenges that investors should consider. The stock has underperformed its sector significantly, which may indicate deeper issues that need to be addressed for a more favorable outlook.

How big is LIC Housing Fin.?

As of 10th June, LIC Housing Finance Ltd has a market capitalization of 30,306.00 Cr, with net sales of 28,847.17 Cr and a net profit of 5,603.70 Cr over the latest four quarters. Shareholder's funds are 36,351.79 Cr, and total assets are valued at 3,12,740.71 Cr.

As of 10th June, <BR><BR>Market Cap: LIC Housing Finance Ltd has a market capitalization of 30,306.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 28,847.17 Cr, while the sum of Net Profit for the same period is 5,603.70 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. Shareholder's Funds stand at 36,351.79 Cr, and Total Assets are valued at 3,12,740.71 Cr.

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

The management team of LIC Housing Finance includes Y Viswanatha Gowd (Managing Director & CEO), Siddhartha Mohanty (Chairman), and several directors and independent board members, totaling a diverse group of experienced professionals. Jagannath Mukkavilli also serves as a nominee from LIC.

The management team of LIC Housing Finance includes the following members:<BR><BR>1. **Y Viswanatha Gowd** - Managing Director & CEO<BR>2. **Siddhartha Mohanty** - Chairman (Non-Executive)<BR>3. **Akshay Rout** - Director<BR>4. **Varsha Hardasani** - Company Secretary & Compliance Officer<BR><BR>Additionally, there are several Independent Directors on the board:<BR>- **V K Kukreja**<BR>- **Ameet N Patel**<BR>- **Dharmendra Bhandari**<BR>- **P Koteshwara Rao**<BR>- **Kashi Prasad Khandelwal**<BR>- **Sanjay Kumar Khemani**<BR>- **J Jayanthi**<BR>- **Ravi Krishan Takkar**<BR><BR>Lastly, **Jagannath Mukkavilli** serves as a Nominee from LIC. This diverse team brings a wealth of experience and expertise to the company.

Who are the peers of the LIC Housing Fin.?

LIC Housing Fin.'s peers include Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., and others, with varying management risks and growth rates. Its 1-year return is -12.33%, better than Bajaj Housing's -33.84% but worse than Sammaan Capital's 32.24%.

Peers: The peers of LIC Housing Fin. are Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Can Fin Homes, Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and 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., PNB Housing, Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN. Average management risk is noted at Sammaan Capital, and Below Average management risk is present at Bajaj Housing. Growth is Excellent at Home First Finan and INDIA SHELTE FIN, Good at Bajaj Housing and Aptus Value Hou., Average at Aadhar Hsg. Fin. and Can Fin Homes, and Below Average at LIC Housing Fin., PNB Housing, and Sammaan Capital. Capital Structure is Excellent at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN, Good at Can Fin Homes, and Average at LIC Housing Fin.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sammaan Capital at 32.24%, while the lowest is Bajaj Housing at -33.84%. LIC Housing Fin.'s 1-year return of -12.33% is better than Bajaj Housing's but worse than Sammaan Capital's. Additionally, peers Aadhar Hsg. Fin., Aptus Value Hou., Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin. have negative six-month returns.

What does LIC Housing Fin. do?

LIC Housing Finance Ltd is a leading housing finance company in India, providing long-term loans for residential property purchases and construction. As of March 2026, it reported net sales of ₹7,212 Cr and a net profit of ₹1,493 Cr, with a market cap of ₹30,306 Cr.

Overview: <BR>LIC Housing Finance Ltd is one of the largest housing finance companies in India, operating within the small-cap market, with a primary focus on providing long-term finance to individuals for the purchase or construction of residential properties.<BR><BR>History: <BR>LIC Housing Finance Ltd was incorporated in 1989. The latest quarterly results reported are for March 2026, showcasing the company's ongoing operations in the housing finance sector.<BR><BR>Financial Snapshot: <BR>- Net Sales: 7,212 Cr (Quarterly Results - Mar 2026) <BR>- Net Profit: 1,493 Cr (Quarterly Results - Mar 2026) <BR>- Market Cap: INR 30,306 Cr (Small Cap) <BR><BR>Key Metrics: <BR>- P/E: 5.00 <BR>- Industry P/E: 12 <BR>- Dividend Yield: 1.81% <BR>- Debt Equity: 6.70 <BR>- Return on Equity: 13.53% <BR>- Price to Book: 0.73 <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

When is the next results date for LIC Housing Finance Ltd?

The next results date for LIC Housing Finance Ltd is 13 May 2026.

The next results date for LIC Housing Finance Ltd is scheduled for 13 May 2026.

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.

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. 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.

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.

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.