LICHSGFIN - Lic Housing Finance Ltd. Share Price

Finance

₹609.45+17.25(+2.91%)

Market Closed as of Apr 28, 2025, 15:30 IST

What does Lic Housing Finance Ltd. do?

Housing Finance Company•Financial Services•Mid Cap

Lic Housing Finance is a prominent housing finance company based in Mumbai, India, with a stock ticker of LICHSGFIN. It boasts a market capitalization of Rs. 29,285.4 Crores and has demonstrated a solid financial performance with a trailing twelve-month revenue of Rs. 27,753.8 Crores.

The company specializes in offering various types of loans, including:

Home loans for purchase, construction, repair, and renovation.
Loans for non-residents and pensioners.
Plot loans, home improvement loans, construction loans, extensions, and top-up loans.
Refinance options and term loans for builders and developers.

Additionally, LIC Housing Finance provides loans against properties, securities, and offers specialized financial products such as loans under rental securitization. They also serve professionals with credit solutions tailored to their needs.

Beyond financing, the company is involved in developing assisted living community centers for the elderly and managing various financial funds, including private equity and venture capital. They also provide asset management, trusteeship services, and market an array of financial products like insurance, mutual funds, fixed deposits, and credit cards.

LIC Housing Finance caters to a diverse clientele, including salaried individuals, self-employed professionals, retirees, and small and medium enterprises (SMEs), utilizing home loan agents, direct sales agents, and customer relation associates to reach customers.

In terms of returns for investors, the company has a dividend yield of 1.69% per year, with a recent dividend of Rs. 9 per share. Over the past year, it has recorded a profit of Rs. 5,151 Crores, reflecting strong growth, with an impressive 89.8% revenue growth over the last three years. The company was incorporated in 1989 and continues to be a profitable entity in the financial services sector.

Industry Group:Finance

Employees:2,349

Website:www.lichousing.com

Description	Share	Value
SEGMENT REVENUE	100.0%	7.1 kCr
Total		7.1 kCr

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Category	LICHSGFIN	Finance
PE	6.32	17.94
PS	1.17	3.86
Growth	3.7 %	5 %

Shareholder Name	Holding %
KOTAK MAHINDRA TRUSTEE CO LTD A/C KOTAK SPECIAL OPPORTUNITIES FUND	4.08%
MIRAE ASSET NIFTY500 MULTICAP 50:25:25 ETF	3.41%
BANK MUSCAT INDIA FUND	2.09%
ADITYA BIRLA SUN LIFE TRUSTEE PRIVATE LIMITED A/C ADITYA BIRLA SUN LIFE PSU EQUITY FUND	1.39%
HDFC TRUSTEE COMPANY LTD. A/C HDFC BALANCED ADVANTAGE FUND	1.35%
HDFC LIFE INSURANCE COMPANYLIMITED -SHAREHOLDERS SOLVENCY MARGIN ACCOUNT	1.27%
Overseas Corporate Bodies	0%

Cash Flow for Lic Housing Finance

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Finance costs	14%	18,391	16,137	142
Depreciation	-1.5%	65	66	0.52
Impairment loss / reversal	17.8%	1,644	1,396	20
Unrealised forex losses/gains	2%	0.01	-0.01	0
Dividend income	-111.7%	0	9.54	0.1
Adjustments for interest income	21.9%	27,042	22,189	195
Net Cashflows From Operations	7.3%	-427.11	-460.77	-15.11
Interest paid	12.8%	18,025	15,976	146
Interest received	24.9%	27,229	21,796	194
Income taxes paid (refund)	40.2%	1,468	1,047	11
Other inflows/outflows of cash	40%	-14,363.44	-23,934.02	-189.17
Net Cashflows From Operating Activities	64%	-7,055.11	-19,621.08	-167.4
Proceeds from sales of PPE	-118%	0.01	6.51	0
Purchase of property, plant and equipment	-42.9%	37	64	0.35
Proceeds from sales of investment property	81951.9%	664	0.19	6.27
Purchase of investment property	-93.1%	54	773	22
Dividends received	-121.4%	0	5.67	0.05
Interest received	-134.8%	0	3.87	0.05
Net Cashflows From Investing Activities	169.6%	573	-820.96	-16.01
Proceeds from issuing shares	-	0	0	23
Proceeds from borrowings	-19.6%	146,420	182,151	1,523
Repayments of borrowings	-11.4%	136,953	154,565	1,362
Payments of lease liabilities	10.4%	54	49	0
Dividends paid	0%	468	468	4.68
Other inflows (outflows) of cash	75.9%	-1,646.49	-6,829.95	-1.03
Net Cashflows From Financing Activities	-63.9%	7,300	20,239	178
Net change in cash and cash eq.	500.9%	818	-202.79	-5.07

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Finance costs	13.9%	18,385	16,135	14,151
Depreciation	0%	69	69	55
Impairment loss / reversal	17.8%	1,644	1,396	1,988
Unrealised forex losses/gains	2%	0.01	-0.01	0.31
Dividend income	-75.4%	0	0.43	5.47
Adjustments for interest income	21.8%	27,067	22,222	19,489
Net Cashflows From Operations	-8.6%	-543.7	-500.58	-1,347.09
Interest paid	12.8%	18,022	15,973	14,625
Interest received	24.9%	27,254	21,829	19,434
Income taxes paid (refund)	40%	1,475	1,054	1,093
Other inflows/outflows of cash	40%	-14,364.05	-23,934.02	-19,098.11
Net Cashflows From Operating Activities	63.6%	-7,150.98	-19,632.43	-16,729.27
Proceeds from sales of PPE	-100.9%	0.8	24	0.02
Purchase of property, plant and equipment	-42.9%	37	64	35
Proceeds from sales of investment property	2744%	712	26	607
Purchase of investment property	-88.9%	88	786	2,206
Dividends received	-75.4%	0	0.43	0.43
Interest received	-	0	0	5.04
Other inflows/outflows of cash	11%	0.35	0.27	0.49
Net Cashflows From Investing Activities	173.2%	587	-799.24	-1,628.21
Proceeds from issuing shares	-	0	0	2,334
Proceeds from borrowings	-19.6%	146,420	182,151	152,314
Repayments of borrowings	-11.4%	136,953	154,565	136,244
Payments of finance lease liabilities	-	53	0	46
Payments of lease liabilities	-102%	0	51	0
Dividends paid	1.3%	468	462	468
Other inflows (outflows) of cash	76.5%	-1,600.88	-6,824	-40.79
Net Cashflows From Financing Activities	-63.7%	7,346	20,249	17,850
Net change in cash and cash eq.	524%	781	-182.97	-507.52

Balance Sheet for Lic Housing Finance

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Cash and cash equivalents	-	-	791	1,437	1,453	619	505
Derivative financial instruments	-	-	0	0	0	0	203
Loans	-	-	289,144	280,590	271,496	267,835	255,832
Investments	-	-	6,222	6,277	5,948	6,976	6,043
Other financial assets	-	-	25	21	20	19	17
Total finanical assets	-100%	0	296,332	-	-	-	-
Current tax assets (Net)	-	-	429	424	0	0	275
Property, plant and equipment	-	-	172	172	165	160	148
Capital work-in-progress	-	-	0	0.14	0.51	0.74	0.58
Total non-financial assets	-100%	0	2,866	-	-	-	-
Total assets	-	-	299,198	291,205	281,803	278,412	265,133
Equity share capital	-	-	110	110	110	110	110
Total equity	-	-	33,524	31,395	29,140	27,100	25,438
Derivative financial instruments	-	-	0	0	0	0	0
Debt securities	-	-	151,061	144,665	139,858	136,960	127,757
Borrowings	-	-	97,050	96,137	90,893	94,392	86,994
Deposits	-	-	7,646	9,899	10,779	11,626	16,039
Subordinated liabilities	-	-	1,797	1,796	1,796	1,796	1,796
Total financial liabilities	-100%	0	264,898	-	-	-	-
Current tax liabilities	-	-	0	0	201	5.99	0
Provisions	-	-	375	334	243	173	152
Total non financial liabilities	-100.1%	0	776	-	-	-	-
Total liabilities	-	-	-	259,810	252,663	251,312	239,695
Total equity and liabilities	-	-	299,198	291,205	281,803	278,412	265,133

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Cash and cash equivalents	-	-	795	1,423	1,523	641	508
Derivative financial instruments	-	-	0	0	0	0	203
Trade receivables	-	-	2.65	9.94	0.06	0.72	3.84
Loans	-	-	289,085	280,532	271,441	267,776	255,772
Investments	-	-	6,276	6,337	6,005	7,050	6,103
Other financial assets	-	-	32	31	32	30	24
Total finanical assets	-100%	0	296,407	-	-	-	-
Current tax assets (Net)	-	-	436	425	0	0	278
Property, plant and equipment	-	-	164	163	187	181	171
Capital work-in-progress	-	-	0.35	0.2	0.51	0.84	0.68
Goodwill	-	-	0.21	0.21	0.21	0.21	153
Total non-financial assets	-100%	0	2,909	-	-	-	-
Total assets	-	-	299,315	291,334	281,937	278,559	265,234
Equity share capital	-	-	110	110	110	110	110
Non controlling interest	-	-	-	3.4	3.25	3.19	2.97
Total equity	-	-	33,615	31,480	29,228	27,188	25,525
Derivative financial instruments	-	-	0	0	0	0	0
Debt securities	-	-	151,061	144,665	139,858	136,960	127,757
Borrowings	-	-	97,050	96,137	90,893	94,392	86,994
Deposits	-	-	7,593	9,849	10,731	11,581	15,978
Subordinated liabilities	-	-	1,797	1,796	1,796	1,796	1,796
Total financial liabilities	-100%	0	264,903	-	-	-	-
Current tax liabilities	-	-	0	0	200	3.87	0
Provisions	-	-	378	238	247	177	156
Total non financial liabilities	-100.1%	0	797	-	-	-	-
Total liabilities	-	-	-	259,854	252,709	251,371	239,709
Total equity and liabilities	-	-	299,315	291,334	281,937	278,559	265,234

Income Statement for Lic Housing Finance

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Total income	20%	27,278	22,728	20,005	19,880	19,707	17,396
Revenue From Operations	20.1%	27,277	22,714	19,974	19,882	19,736	17,393
Total interest earned	20.1%	27,067	22,546	19,718	19,709	19,614	17,264
Fees and commission income	0%	67	67	118	99	59	56
Revenue from sale of product	-	0	0	0	0	8.82	5.01
Other revenue from operations	120%	56	26	119	63	47	56
Other income	-101.3%	0.83	14	31	-1.48	-29.22	2.99
Total Expenses	10.7%	21,213	19,167	17,218	16,515	16,425	14,004
Cost of Materials	-	0	0	20	1.03	4.69	4.18
Employee Expense	26%	650	516	602	324	328	275
Finance costs	13.9%	18,385	16,135	14,151	14,450	14,781	12,891
Depreciation and Amortization	0%	69	69	55	52	51	12
Fees and commission expenses	-25.8%	136	183	114	88	47	18
Impairment on financial instruments	-15.4%	1,644	1,943	1,988	1,318	952	350
Other expenses	2.5%	330	322	254	254	213	186
Profit Before exceptional items and Tax	70.3%	6,064	3,561	2,787	3,365	3,282	3,392
Total profit before tax	70.3%	6,064	3,561	2,787	3,365	3,282	3,392
Current tax	-12.6%	1,046	1,196	952	946	838	1,069
Deferred tax	148.9%	259	-526.34	-451.01	-321.84	40	-111.81
Tax expense	94.9%	1,305	670	501	624	879	957
Total profit (loss) for period	64.8%	4,763	2,891	2,287	2,743	2,404	2,434
Other comp. income net of taxes	-210.8%	-3.41	4.98	-4.92	-2.49	-7.15	-0.5
Total Comprehensive Income	64.4%	4,760	2,896	2,282	2,741	2,397	2,434
Reserve excluding revaluation reserves	-	-	-	-	0	18,164	16,232
Earnings Per Share, Basic	65.9%	86.53	52.56	43.12	54.32	47.63	48.227
Earnings Per Share, Diluted	65.9%	86.53	52.56	43.12	54.32	47.62	48.227

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	1.9%	7,070	6,938	6,797	6,949	6,804	6,766
Revenue From Operations	1.9%	7,070	6,938	6,797	6,948	6,804	6,765
Total interest earned	1.4%	6,958	6,860	6,747	6,894	6,751	6,713
Dividend income	-	0	0	0	0	0	0
Rental income	-	0	0	0	0	0	0
Fees and commission income	27.3%	15	12	17	13	16	20
Revenue from sale of product	-	0	0	0	0	0	0
Other revenue from operations	41.5%	76	54	6.07	17	23	10
Other income	-143.9%	0	0.59	0	0.4	0	0.43
Total Expenses	-0.1%	5,272	5,275	5,164	5,466	5,350	5,283
Cost of Materials	-	0	0	0	0	0	0
Employee Expense	19.9%	218	182	161	209	150	147
Finance costs	1.5%	4,950	4,879	4,749	4,646	4,646	4,600
Depreciation and Amortization	4.3%	25	24	22	18	18	13
Fees and commission expenses	0%	24	24	16	50	28	33
Impairment on financial instruments	-159.2%	-43.98	77	143	428	436	419
Other expenses	12.5%	100	89	71	115	72	70
Profit Before exceptional items and Tax	8.1%	1,798	1,664	1,633	1,482	1,454	1,483
Total profit before tax	8.1%	1,798	1,664	1,633	1,482	1,454	1,483
Current tax	7.9%	411	381	372	-106.83	365	291
Deferred tax	-7.7%	-47.56	-44.07	-43.21	507	-77.16	0
Tax expense	7.7%	363	337	329	400	288	291
Total profit (loss) for period	8.1%	1,435	1,328	1,306	1,082	1,169	1,194
Other comp. income net of taxes	78.4%	-0.01	-3.67	-1.3	3.27	-2.34	-1.23
Total Comprehensive Income	8.4%	1,435	1,324	1,305	1,085	1,167	1,192
Earnings Per Share, Basic	8.4%	26.09	24.14	23.75	19.67	21.21	21.67
Earnings Per Share, Diluted	8.4%	26.09	24.14	23.75	19.67	21.21	21.67

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Total income	20.1%	27,235	22,674	200	19,848	19,670	174
Revenue From Operations	20.2%	27,228	22,657	199	19,853	19,697	173
Total interest earned	20.1%	27,042	22,516	197	19,697	19,605	-
Dividend income	-	0	0	0	5.77	0	-
Fees and commission income	9.1%	49	45	0.98	79	39	-
Other revenue from operations	125%	55	25	1.13	62	46	-
Other income	-66.1%	6.42	17	0.34	-5.23	-26.93	0.6
Total Expenses	10.8%	21,181	19,117	172	16,499	16,401	140
Employee Expense	29%	610	473	5.63	293	299	2.48
Finance costs	13.6%	18,391	16,186	142	14,453	14,784	129
Depreciation and Amortization	-1.5%	65	66	0.52	49	48	0.12
Fees and commission expenses	-2.5%	155	159	1.36	109	61	-
Impairment on financial instruments	-15.4%	1,644	1,943	20	1,318	953	-
Other expenses	9%	316	290	2.48	250	209	8.31
Profit Before exceptional items and Tax	70.2%	6,054	3,557	28	3,349	3,269	34
Total profit before tax	70.2%	6,054	3,557	28	3,349	3,269	34
Current tax	-12.6%	1,038	1,188	9.44	937	829	11
Deferred tax	147.8%	251	-522.08	-4.54	-322.44	38	-1.11
Tax expense	93.7%	1,289	666	4.91	614	867	9.49
Total profit (loss) for period	64.8%	4,765	2,891	23	2,734	2,402	24
Other comp. income net of taxes	-213.4%	-3.57	5.03	-0.05	-2.4	-6.85	0
Total Comprehensive Income	64.5%	4,762	2,896	23	2,732	2,395	24
Reserve excluding revaluation reserves	-	31,285	-	-	-	-	162
Earnings Per Share, Basic	66.1%	86.63	52.56	43.14	54.18	47.59	48.17
Earnings Per Share, Diluted	66.1%	86.63	52.56	43.14	54.18	47.59	0
Debt equity ratio	-	-	-	-	01	0.1052	0.105
Debt service coverage ratio	-	-	-	-	014	01	011
Interest service coverage ratio	-	-	-	-	0.0123	0.0122	0.0126

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	1.8%	7,057	6,932	6,784	6,937	6,792	6,759
Revenue From Operations	1.9%	7,057	6,926	6,784	6,936	6,792	6,753
Total interest earned	1.4%	6,952	6,853	6,739	6,888	6,744	6,707
Dividend income	-	0	0	0	0	0	0
Rental income	-	0	0	0	0	0	0
Fees and commission income	30.1%	9.77	7.74	14	8.54	13	15
Other revenue from operations	41.5%	76	54	5.86	17	23	11
Other income	-119.6%	0.02	6	0.02	0.43	0.03	5.92
Total Expenses	-0.1%	5,264	5,267	5,155	5,461	5,344	5,279
Employee Expense	20.1%	204	170	151	198	140	138
Finance costs	1.5%	4,951	4,880	4,750	4,650	4,646	4,600
Depreciation and Amortization	4.5%	24	23	22	17	17	0
Fees and commission expenses	0%	30	30	20	54	33	38
Impairment on financial instruments	-159.2%	-43.98	77	143	428	436	419
Other expenses	12.8%	98	87	69	113	71	71
Profit Before exceptional items and Tax	7.8%	1,793	1,664	1,628	1,476	1,449	1,480
Total profit before tax	7.8%	1,793	1,664	1,628	1,476	1,449	1,480
Current tax	7.7%	409	380	371	-109.36	363	371
Deferred tax	-7.6%	-47.46	-44.04	-43.09	495	-77.29	-78.95
Tax expense	7.8%	361	335	328	385	286	292
Total profit (loss) for period	7.8%	1,432	1,329	1,300	1,091	1,163	1,188
Other comp. income net of taxes	75.1%	-0.15	-3.62	-1.27	3.16	-2.38	-1.3
Total Comprehensive Income	8.1%	1,432	1,325	1,299	1,094	1,160	1,187
Reserve excluding revaluation reserves	-	-	-	-	31,285	-	-
Earnings Per Share, Basic	8.1%	26.03	24.16	23.64	19.83	21.14	21.6
Earnings Per Share, Diluted	8.1%	26.03	24.16	23.64	19.83	21.14	21.6

Investor Care
Dividend Yield	1.71%
Dividend/Share (TTM)	9
Shares Dilution (1Y)	0.00%
Diluted EPS (TTM)	93.65

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Valuation
Market Cap	33.52 kCr
Price/Earnings (Trailing)	6.51
Price/Sales (Trailing)	1.21
EV/EBITDA	1.29
Price/Free Cashflow	-4.64
MarketCap/EBT	5.1

Fundamentals
Revenue (TTM)	27.75 kCr
Rev. Growth (Yr)	3.91%
Rev. Growth (Qtr)	1.9%
Earnings (TTM)	5.15 kCr
Earnings Growth (Yr)	22.75%
Earnings Growth (Qtr)	8.07%

Profitability
Operating Margin	23.7%
EBT Margin	23.7%
Return on Equity	15.32%
Return on Assets	1.72%
Free Cashflow Yield	-21.53%

LICHSGFIN - Lic Housing Finance Ltd. Share Price

What does Lic Housing Finance Ltd. do?

Revenue Breakdown

Sector Comparison: LICHSGFIN vs Finance

Comparative Metrics

Performance Comparison

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Cash Flow for Lic Housing Finance

Balance Sheet for Lic Housing Finance

Income Statement for Lic Housing Finance

Investor Care

Financial Health

Valuation

Fundamentals

Profitability

Is Lic Housing Finance Better than it's peers?

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj FinanceNon Banking Financial Company(NBFC)	5.63 LCr	66.19 kCr	+1.65%	+35.09%	35.05	8.5	+28.74%	+16.50%
PNBHOUSING	PNB Housing FinanceHousing Finance Company	25.63 kCr	7.47 kCr	+11.88%	+25.68%	14.04	3.43	+8.55%	+35.38%
AAVAS	AAVAS FinanciersHousing Finance Company	15.76 kCr	2.27 kCr	-4.44%	+23.69%	28	6.95	+17.86%	+18.50%
CANFINHOME	Can Fin HomesHousing Finance Company	9.68 kCr	3.81 kCr	+8.59%	-2.68%	11.29	2.49	+10.07%	+14.18%
REPCOHOME	Repco Home FinanceHousing Finance Company	2.5 kCr	1.68 kCr	+19.47%	-24.48%	5.51	1.49	+13.15%	+17.58%
IBULHSGFIN	IBULHSGFINOther	9.14 kCr	8.94 kCr	-3.91%	-29.20%	-5.05	1.02	+5.79%	-256.54%