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Banking And Finance | Small Cap
Health Score : 7.36LIC Housing Finance Ltd demonstrates a mixed financial profile. The company exhibits strong growth and profitability, driven by solid revenue and earnings performance. Its liquidity position is robust, supported by high current and quick ratios. However, solvency is a concern due to high debt levels, as reflected in its debt and equity metrics. Efficiency in asset utilization is varied, with excellent turnover ratios for fixed assets and receivables, but lower capital turnover and non-existent inventory turnover. The company's coverage ratios are mixed, with strong equity dividend coverage contrasting with a weaker interest coverage ratio. Overall, LIC Housing Finance shows potential, but needs to address its debt management to ensure long-term financial stability and optimize asset use for better capital efficiency.
Health Score : 7.36LIC Housing Finance Ltd demonstrates a mixed financial profile. The company exhibits strong growth and profitability, driven by solid revenue and earnings performance. Its liquidity position is robust, supported by high current and quick ratios. However, solvency is a concern due to high debt levels, as reflected in its debt and equity metrics. Efficiency in asset utilization is varied, with excellent turnover ratios for fixed assets and receivables, but lower capital turnover and non-existent inventory turnover. The company's coverage ratios are mixed, with strong equity dividend coverage contrasting with a weaker interest coverage ratio. Overall, LIC Housing Finance shows potential, but needs to address its debt management to ensure long-term financial stability and optimize asset use for better capital efficiency.
Overall Valuation Score
Markets Depth NSE
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0
0
Sell Orders
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0
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Markets Today NSE
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Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
5.26
Industry Median
11.04
Small Cap Median
9.25
P/E RATIO
5.25
P/B RATIO
0.71
Industry Median
1.46
Small Cap Median
1.12
P/S RATIO
0.99
Industry Median
3.91
Small Cap Median
2.44
Others
PEG RATIO
0.00
EV/EBITDA RATIO
11.29
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹534.9 as on Sep 1, 2026.
Growth Score : 10.00The company demonstrates excellent growth across all key metrics, indicating a strong financial trajectory. Its high growth rates in revenue, operating profit, EPS, assets, and net income suggest effective strategies and robust market positioning. This consistent growth signifies the company's ability to expand its operations and increase profitability, enhancing its long-term value.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 0.46 | 13.71 | 20.07 | 3.06 | 2.58 |
| Operating Profit Growth Rate | -17.76 | 28.53 | 69.51 | 13.71 | 3.46 |
| Earnings Per Share (EPS) Growth | -23.49 | 26.47 | 64.78 | 14.26 | 2.96 |
| Asset Growth Rate | 8.05 | 9.37 | 4.57 | 7.81 | 3.56 |
| Net Income Growth Rate | -16.6 | 26.47 | 64.75 | 14.28 | 2.96 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | AAVAS | 8.80 | 20.14 | Highly Overvalued | N/A | 82.60 | 491.00 |
| 2 | APTUS | 8.77 | 13.46 | Overvalued | N/A | 13.84 | 943.00 |
| 3 | LICHSGFIN | 7.36 | 5.25 | Neutral | N/A | 101.72 | 5604.00 |
| 4 | PNBHOUSING | 7.23 | 13.10 | Neutral | N/A | 89.33 | 2291.00 |
| 5 | SAMMAANCAP | 3.61 | -2.39 | Neutral | N/A | -65.24 | -7145.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤30th Jan 26
Quarterly Financial Results Q3 FY 2025-26
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
LIC Housing Finance Ltd. is a prominent Indian housing finance company, a subsidiary of LIC of India. It provides long-term housing loans for the purchase or construction of houses, and for repair/renovation, primarily to individuals. It holds a significant position in the Indian housing finance market, catering to diverse homeownership needs.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. LIC Housing Finance Ltd's P/E ratio (TTM) is 5.26, compared to the industry median of 11.04 and large cap median of 9.25.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. LIC Housing Finance Ltd's P/B ratio is 0.71, compared to the industry median of 1.46 and large cap median of 1.12.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. LIC Housing Finance Ltd's P/S ratio is 0.99, compared to the industry median of 3.91 and large cap median of 2.44.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. LIC Housing Finance Ltd's PEG ratio is 0.92.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. LIC Housing Finance Ltd's EV/EBITDA ratio is 11.29.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. LIC Housing Finance Ltd's ROE is 13.53%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. LIC Housing Finance Ltd's ROA is 2.22%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. LIC Housing Finance Ltd's ROCE is 64.87%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. LIC Housing Finance Ltd's operating margin is 25.02%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. LIC Housing Finance Ltd's net margin is 19.43%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. LIC Housing Finance Ltd's current ratio is 51.19.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. LIC Housing Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. LIC Housing Finance Ltd's interest coverage ratio is 1.36.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. LIC Housing Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. LIC Housing Finance Ltd's EPS is 2.96.
(Source line: "Ratios as of 01 Sept 2026, based on last traded price of ₹534.90. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1989
Headquarters: Mumbai, Maharashtra
Core Offerings: Home loans (purchase/construction), Home loans for plot purchase, Loans Against Property, Loans to Builders/Developers, Loans for home renovation/extension
Stock Listing: NSE (LICHSGFIN), BSE (500253)
Promoter: Life Insurance Corporation of India (LIC)
1989: Incorporated and commenced operations. 1994: Became a public company. 1995: Made its initial public offering (IPO). Present: Continues to be a leading housing finance provider in India, focusing on individual and project loans, expanding its network and product offerings.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Individual Home Loans | Approx. 95% | N/A (Lending business) |
| Developer & Project Finance | Approx. 5% | N/A (Lending business) |
Individual Home Loans: Provides long-term financing to individuals for purchasing, constructing, repairing, or renovating residential properties. This constitutes the largest portion of the company's loan portfolio.
Developer & Project Finance: Offers financial assistance to builders and developers for construction of residential projects, forming a smaller, yet strategic, part of the overall lending operations.
Mr. Siddhartha Mohanty - Chairman (Non-Executive). He is the Chairman of Life Insurance Corporation of India. Mr. Y. Viswanatha Gowd - Managing Director & CEO. Has over 30 years of experience in LIC and brings extensive knowledge in marketing, operations, and housing finance.
No major recent corporate actions (like bonus/rights issue or M&A) on record.
The LIC Housing Finance Ltd share price today is ₹534.90 on NSE (LICHSGFIN), as of 05 Sept 2026.
As of 01 Sept 2026, LIC Housing Finance Ltd share price is ₹534.90, with previous close ₹534.90. Today's range is ₹534.90 to ₹534.90. The 52-week range is ₹534.90 to ₹534.90.
As of today, LIC Housing Finance Ltd's market cap is ₹28,601.1 crore (Large Cap).
LIC Housing Finance Ltd's current P/E ratio is 5.26, compared to the BANKING AND FINANCE sector average of 15.
LIC Housing Finance Ltd's current P/B ratio is 0.71.
LIC Housing Finance Ltd's current dividend yield is N/A. Last dividend of ₹8.50 per share was declared on 10-Aug-2023.
LIC Housing Finance Ltd's EPS (TTM) is ₹2.96.
LIC Housing Finance Ltd. is a prominent Indian housing finance company, a subsidiary of LIC of India. It provides long-term housing loans for the purchase or construction of houses, and for repair/renovation, primarily to individuals. It holds a significant position in the Indian housing finance market, catering to diverse homeownership needs.
LIC Housing Finance Ltd is promoted by Life Insurance Corporation of India (LIC), holding 45.24% as of 01 Sept 2026.
LIC Housing Finance Ltd is listed on NSE (LICHSGFIN) and BSE (500253). Its next quarterly results are expected on August 2024.
Capital Expenditures (CapEx)
Interest Coverage Ratio