LIC Housing Fin.

Why is LIC Housing Finance Ltd falling/rising?

As of 01-Sep, LIC Housing Finance Ltd's stock price is falling to 530.55, reflecting a decrease of 1.31%. This decline follows a trend reversal and declining investor participation, indicating reduced interest and underperformance relative to its sector.

As of 01-Sep, LIC Housing Finance Ltd's stock price is falling, currently at 530.55, reflecting a decrease of 7.05 (-1.31%). This decline follows a trend reversal after five consecutive days of gains, indicating a shift in market sentiment. The stock has underperformed its sector by 0.36% today, which may contribute to the negative momentum.<BR><BR>Investor participation appears to be declining, as evidenced by a 16.99% drop in delivery volume compared to the five-day average, suggesting reduced interest among traders. Additionally, while the stock is trading above its 5-day and 20-day moving averages, it remains below the longer-term moving averages (50-day, 100-day, and 200-day), which can signal weakness in the stock's performance.<BR><BR>Despite these challenges, the stock has shown positive returns over the past week (+4.85%) and month (+1.43%), but it has struggled year-to-date with a decline of 1.68%. The overall market context is also unfavorable, as the Sensex has decreased by 0.92% over the past week and 1.47% over the past month. <BR><BR>In summary, the combination of a recent trend reversal, declining investor participation, and underperformance relative to the sector are key factors contributing to the current fall in LIC Housing Finance Ltd's stock price.

Which are the latest news on LIC Housing Fin.?

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 independent and non-executive directors, bringing diverse expertise to the company. Key members also include Akshay Rout and Varsha Hardasani (Company Secretary & Compliance Officer).

The management team of LIC Housing Finance includes the following key 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, the board features several independent and non-executive directors:<BR><BR>- **V K Kukreja** - Non-Executive & Independent Director<BR>- **Ameet N Patel** - Non-Executive & Independent Director<BR>- **Dharmendra Bhandari** - Non-Executive & Independent Director<BR>- **P Koteshwara Rao** - Non-Executive & Independent Director<BR>- **Kashi Prasad Khandelwal** - Non-Executive & Independent Director<BR>- **Sanjay Kumar Khemani** - Independent Director<BR>- **J Jayanthi** - Independent Director<BR>- **Ravi Krishan Takkar** - Independent Director<BR>- **Jagannath Mukkavilli** - Nominee (LIC)<BR><BR>This diverse team brings a wealth of experience and expertise to the company.

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 June 2026, it reported net sales of ₹7,083 Cr and a net profit of ₹1,499 Cr, with a market cap of ₹29,709 Cr.

Overview: <BR>LIC Housing Finance Ltd is one of the largest housing finance companies in India, focused on providing long-term finance to individuals for the purchase or construction of residential properties. It operates in the Housing Finance Company industry and is categorized as a Small Cap company.<BR><BR>History: <BR>LIC Housing Finance Ltd was incorporated in 1989. The latest quarterly results reported are for June 2026, showcasing the company's performance in terms of sales and profit.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 7,083 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 1,499 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 29,709 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 5.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 1.87% <BR>Debt-Equity: 6.70 <BR>Return on Equity: 13.53% <BR>Price to Book: 0.71 <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

Who are the peers of the LIC Housing Fin.?

LIC Housing Fin.'s peers include Bajaj Housing, PNB Housing, Aadhar Housing Fin., and others. It has average management risk and a 1-year return of -3.08%, better than INDIA SHELTE FIN but worse than PNB Housing, which leads with a 51.07% return.

Peers: The peers of LIC Housing Fin. are Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Home First Finan, Can Fin Homes, 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 PNB Housing, LIC Housing Fin., Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, and Repco Home Fin. Average management risk is noted at Sammaan Capital, while Below Average management risk is seen at Bajaj Housing. Growth is Excellent at Home First Finan and Aptus Value Hou., Good at Bajaj Housing, Aadhar Hsg. Fin., and PNB Housing, Average at Can Fin Homes, Aavas Financiers, and LIC Housing Fin., and Below Average at Sammaan Capital and Repco Home Fin. Capital Structure is Excellent at Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, and INDIA SHELTE FIN, Good at Can Fin Homes, Average at LIC Housing Fin., and Below Average at Sammaan Capital.<BR><BR>Return Snapshot: PNB Housing has the highest 1-year return at 51.07%, while INDIA SHELTE FIN has the lowest at -31.00%. LIC Housing Fin.'s 1-year return of -3.08% is better than INDIA SHELTE FIN but worse than PNB Housing. Additionally, Bajaj Housing, Aadhar Hsg. Fin., Aavas Financiers, and INDIA SHELTE FIN all have negative six-month returns.

How big is LIC Housing Fin.?

As of 31st August, LIC Housing Finance Ltd has a market capitalization of 29,709.00 Cr, with Net Sales of 28,562.06 Cr and a Net Profit of 5,738.66 Cr reported for the latest four quarters. Shareholder's Funds are 41,428.93 Cr and Total Assets are 3,24,151.96 Cr as of March 2026.

As of 31st August, LIC Housing Finance Ltd has a market capitalization of 29,709.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, LIC Housing Finance Ltd reported Net Sales of 28,562.06 Cr and a Net Profit of 5,738.66 Cr.<BR><BR>For the latest annual period ending March 2026, the Shareholder's Funds amounted to 41,428.93 Cr, while the Total Assets were reported at 3,24,151.96 Cr.

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.

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.