Want to see IN:LICHSGFIN full AI Analyst Report?
Top Page
LIC Housing Finance Ltd
(LICHSGFIN)
Select Model
Select Model
Rating:58Neutral
Price Target:
₹588.00
▲(8.88% Upside)
Action:Reiterated
Date:08/17/26
The score is held back primarily by balance-sheet and cash-flow risk (high leverage and historically negative/volatile operating and free cash flow), alongside weak current technicals (below major moving averages with bearish MACD). These are partially offset by strong valuation support (very low P/E and a modest dividend yield) and improving profitability on the income statement.
Positive Factors
Revenue and profit expansion
Steady revenue expansion alongside improving net income indicates stronger operating performance and growing earnings capacity. Although the pace has varied, continued top-line and profit growth can support reinvestment, strengthen the lending franchise, and improve resilience over the next several quarters.
Negative Factors
High financial leverage
Debt several times larger than equity leaves a mortgage lender sensitive to refinancing conditions, funding costs, and asset-quality deterioration. High leverage can constrain financial flexibility during a downturn and limit the capacity to pursue growth or absorb unexpected credit losses.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit expansion
Steady revenue expansion alongside improving net income indicates stronger operating performance and growing earnings capacity. Although the pace has varied, continued top-line and profit growth can support reinvestment, strengthen the lending franchise, and improve resilience over the next several quarters.
Read all positive factors
LIC Housing Finance Ltd (LICHSGFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹310.79B
Dividend Yield1.82%
Average Volume (3M)106.60K
Price to Earnings (P/E)5.4
Beta (1Y)1.08
Revenue Growth0.23%
EPS Growth4.34%
CountryIN
Employees2,384
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)104.33
Shares Outstanding550,063,000
10 Day Avg. Volume195,926
30 Day Avg. Volume106,600
Financial Highlights & Ratios
PEG Ratio1.65
Price to Book (P/B)0.66
Price to Sales (P/S)0.95
P/FCF Ratio5.11
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)102.44
Revenue Forecast (FY)₹90.56B
LIC Housing Finance Ltd Business Overview & Revenue Model
Company Description
LIC Housing Finance Limited, an Indian housing finance specialist, offers a comprehensive range of lending solutions for acquiring, constructing, repairing, and renovating residential and commercial properties throughout India. Its financial produ...
How the Company Makes Money
LIC Housing Finance primarily makes money through net interest income from lending activities. It raises funds (liabilities) via market borrowings and other funding sources available to a housing finance company, and deploys these funds into inter...
LIC Housing Finance Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
56
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 286.05B | 288.12B | 277.23B | 270.65B | 225.14B | 198.17B |
| Gross Profit | 86.78B | 86.70B | 81.95B | 86.77B | 63.80B | 56.66B |
| EBITDA | 75.95B | 72.25B | 69.77B | 61.37B | 36.30B | 28.42B |
| Net Income | 57.39B | 56.04B | 54.42B | 47.63B | 28.91B | 22.86B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 3.25T | 3.14T | 2.91T | 2.79T | 2.55T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 13.48B | 14.74B | 16.55B | 8.22B | 9.99B |
| Total Debt | 0.00 | 2.66T | 2.62T | 2.43T | 2.33T | 2.06T |
| Total Liabilities | -414.33B | 2.84T | 2.78T | 2.60T | 2.51T | 2.30T |
| Stockholders Equity | 414.33B | 414.29B | 363.52B | 314.77B | 271.85B | 247.51B |
Cash Flow | ||||||
| Free Cash Flow | -43.05B | 53.30B | -166.83B | -71.88B | -196.88B | -167.65B |
| Operating Cash Flow | -42.75B | 53.82B | -166.09B | -71.51B | -196.23B | -167.29B |
| Investing Cash Flow | 17.28B | -121.34B | -9.39B | 5.87B | -7.99B | -16.28B |
| Financing Cash Flow | 16.10B | 61.92B | 174.13B | 73.46B | 202.49B | 178.50B |
LIC Housing Finance Ltd Technical Analysis
Positive
540.05
Price Trends
522.93
Positive
531.81
Positive
523.33
Positive
Market Momentum
10.33
Negative
63.15
Neutral
80.27
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:LICHSGFIN, the sentiment is Positive. The current price of 540.05 is above the 20-day moving average (MA) of 514.96, above the 50-day MA of 522.93, and above the 200-day MA of 523.33, indicating a bullish trend. The MACD of 10.33 indicates Negative momentum. The RSI at 63.15 is Neutral, neither overbought nor oversold. The STOCH value of 80.27 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:LICHSGFIN.
LIC Housing Finance Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹303.97B | 13.12 | ― | 0.68% | 10.71% | 13.39% | |
72 Outperform | ₹103.37B | 15.07 | ― | ― | 13.18% | 16.88% | |
61 Neutral | ₹691.75B | 25.76 | ― | ― | 16.23% | 17.11% | |
59 Neutral | ₹126.53B | 21.63 | ― | 0.42% | 21.42% | 25.43% | |
58 Neutral | ₹310.79B | 5.39 | ― | 1.82% | 0.23% | 4.34% | |
58 Neutral | ₹107.41B | 9.51 | ― | 1.86% | 8.20% | 28.17% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:LICHSGFIN
LIC Housing Finance Ltd
550.00
1.42
0.26%
IN:AAVAS
Aavas Financiers Ltd.
1,305.65
-289.65
-18.16%
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
84.03
-28.12
-25.07%
IN:CANFINHOME
Can Fin Homes Ltd.
805.25
71.28
9.71%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,234.65
-26.15
-2.07%
IN:PNBHOUSING
PNB Housing Finance Limited
1,181.45
387.80
48.86%
LIC Housing Finance Ltd Corporate Events
LIC Housing Finance announces senior management change on superannuation
Aug 31, 2026
LIC Housing Finance Ltd has announced a change in its senior management, stating that Joint General Manager I. Sreedhar has ceased to be part of the company following his superannuation as of the close of business on August 31, 2026. The disclosur...
LIC Housing Finance names Sandeep Kumar as new MD & CEO after T. Adhikari’s superannuation
Aug 28, 2026
LIC Housing Finance Ltd has announced that its board has approved the appointment of Sandeep Kumar as Additional Director and as Managing Director and Chief Executive Officer, effective August 29, 2026, for a term of up to five years, subject to s...
LIC Housing Finance CEO T. Adhikari to Step Down on Superannuation in 2026
Aug 28, 2026
LIC Housing Finance Ltd has announced that Managing Director and Chief Executive Officer T. Adhikari, who also served as a Key Managerial Personnel, will cease to be a director on its board with effect from the close of business on August 28, 2026...
LIC Housing Finance names Sandeep Kumar as MD & CEO from August 2026
Aug 28, 2026
LIC Housing Finance Ltd has announced the appointment of Sandeep Kumar as Managing Director and Chief Executive Officer, effective August 29, 2026, also designating him as an Additional Director and Key Managerial Personnel. The appointment, made ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.