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LIC Housing Finance Limited (LICHSGFIN.NS)

INR549.60 -2.30 (-0.42%)
IN NSE Financial Services Financial - Mortgages
Address 131 Maker Tower, F Premises 400005
Mumbai, IN
CEO Tribhuwan Adhikari
Website lichousing.com
IPO 2002-07-01
ISIN INE115A01026

Explore sections of this company profile

Also trades on Bombay Stock Exchange · LICHSGFIN.BO (INR) National Stock Exchange of India · LICHSGFIN.NS (INR)
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 products include home loans for both domestic and international residents, as well as pensioners. The company also provides construction finance and term loans for real estate developers, alongside credit facilities for corporate clients and financing for employee housing. Further expanding its services, LIC Housing Finance extends loans against properties for businesses and individuals, offers credit against various securities, and facilitates loans structured through rental securitization. Tailored loan products are also available for professionals. Beyond its core lending activities, the company manages, advises, and acts as a trustee for venture capital and alternative investment funds. It is also involved in developing residential projects specifically designed for senior citizens and distributes a variety of financial products such as life and general insurance, mutual funds, and credit and LIC cards. The company's extensive product portfolio reaches customers via home loan agents, direct sales representatives, and customer relation associates. As of March 31, 2021, its operational network comprised 24 back offices, 282 marketing offices, 1 customer service point, 9 regional offices, and international representative offices located in Dubai and Kuwait. LIC Housing Finance Limited was founded in 1989 and is headquartered in Mumbai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR549.60 -2.30 (-0.42%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.27
Float Shares
548.70M
Free Float %
99.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.57% -5.68% +1.11% +5.23% -4.38% +1.20% -9.25% +47.39% +25.17% +18.16% +6,917.99%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
549.60
DCF (Unlevered) 4,483.18 +715.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 46% Bullish
Rating 2026-05 Change
Strong Buy 3 -3
Buy 8 0
Hold 9 -1
Sell 4 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.23
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Financial - Mortgages: +18.2%
    +3.9% Q1'26: +3.2% (vs Q1'25)
  • ✓
    EPS growth Financial - Mortgages: +18.3%
    +3.0% Q1'26: +8.7% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Financial - Mortgages: +84.8%
    +17.7% Q1'26: -59.8% (vs Q1'25)
  • ✓
    EBIT margin Financial - Mortgages: +34.8%
    +24.7% Q1'26: +26.8% (vs Q1'25)
  • ✗
    ROIC Financial - Mortgages: +4.9%
    +1.8% Q1'26: +1.9% (vs Q1'25)
  • ✗
    Share dilution Financial - Mortgages: 0.0%
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    36.85× Q1'26: 33.88× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.32) × ERP
WACC = 10% × Ke + 90% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 4,483.18 Current price: 549.60
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2011
actual 		Mar 2012
actual 		Mar 2013
actual 		Mar 2014
actual 		Mar 2015
actual 		Mar 2016
actual 		Mar 2017
actual 		Mar 2018
actual 		Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
22 Rev. Ana.
22 EPS Ana. 		Mar 2027
19 Rev. Ana.
21 EPS Ana. 		Mar 2028
19 Rev. Ana.
21 EPS Ana. 		Mar 2029
7 Rev. Ana.
7 EPS Ana. 		Mar 2030
3 Rev. Ana.
2 EPS Ana.
Revenue
47.77B
est: 13.17B (+262.8%)
61.34B
est: 15.66B (+291.6%)
76.20B
est: 15.99B (+376.6%)
92.14B
est: 19.30B (+377.4%)
106.88B
est: 24.99B (+327.6%)
123.16B
est: 31.41B (+292.1%)
139.11B
est: 37.79B (+268.1%)
148.06B
est: 39.58B (+274.0%)
173.77B
est: 43.64B (+298.2%)
196.35B
est: 51.07B (+284.5%)
197.22B
est: 51.77B (+281.0%)
198.17B
est: 56.06B (+253.5%)
225.14B
est: 62.21B (+261.9%)
270.65B
est: 72.47B (+273.4%)
277.23B
est: 83.97B (+230.2%)
89.43B
85.26B – 91.54B
+6.5% YoY
94.47B
88.35B – 100.78B
+5.6% YoY
102.68B
86.63B – 109.98B
+8.7% YoY
109.23B
109.23B – 109.23B
+6.4% YoY
126.46B
112.26B – 135.19B
+15.8% YoY
EBITDA
12.96B
est: 12.71B (+2.0%)
12.43B
est: 3.00B (+314.8%)
14.26B
est: 13.64B (+4.5%)
18.42B
est: 18.03B (+2.1%)
21.29B
est: 4.78B (+345.4%)
25.85B
est: 25.98B (-0.5%)
29.83B
est: 32.52B (-8.3%)
27.92B
est: -76.42B (+136.5%)
34.04B
est: -95.09B (+135.8%)
33.33B
est: -111.30B (+129.9%)
34.18B
est: 31.27B (+9.3%)
28.42B
est: 32.00B (-11.2%)
36.30B
est: 38.11B (-4.8%)
61.37B
est: 27.61B (+122.3%)
69.77B
est: 39.14B (+78.2%)
34.07B
32.48B – 34.88B
-13.0% YoY
35.99B
33.66B – 38.40B
+5.6% YoY
39.12B
33.00B – 41.90B
+8.7% YoY
41.61B
41.61B – 41.61B
+6.4% YoY
48.18B
42.77B – 51.51B
+15.8% YoY
EBIT
12.90B
est: 12.18B (+5.9%)
12.35B
est: 11.38B (+8.5%)
14.18B
est: 11.56B (+22.7%)
18.34B
est: 16.07B (+14.1%)
21.19B
est: 22.52B (-5.9%)
25.75B
est: 22.97B (+12.1%)
29.73B
est: 30.29B (-1.9%)
27.82B
est: 7.46B (+273.1%)
33.92B
est: 8.22B (+312.6%)
32.82B
est: 9.62B (+241.2%)
33.65B
est: 9.75B (+245.1%)
27.87B
est: 10.56B (+164.0%)
35.61B
est: 11.72B (+203.9%)
60.68B
est: 27.23B (+122.9%)
68.79B
est: 31.55B (+118.1%)
33.60B
32.03B – 34.39B
+6.5% YoY
35.49B
33.19B – 37.86B
+5.6% YoY
38.57B
32.55B – 41.32B
+8.7% YoY
41.04B
41.04B – 41.04B
+6.4% YoY
47.51B
42.18B – 50.79B
+15.8% YoY
Net Income
9.52B
est: 9.24B (+3.0%)
9.20B
est: 11.32B (-18.8%)
10.48B
est: 9.39B (+11.6%)
13.18B
est: 12.64B (+4.3%)
13.96B
est: 17.72B (-21.2%)
16.68B
est: 16.15B (+3.2%)
19.42B
est: 20.35B (-4.5%)
20.08B
est: 20.72B (-3.1%)
24.34B
est: 22.87B (+6.4%)
24.03B
est: 28.56B (-15.8%)
27.41B
est: 22.87B (+19.8%)
22.86B
est: 23.41B (-2.4%)
28.91B
est: 27.88B (+3.7%)
47.63B
est: 47.47B (+0.3%)
54.42B
est: 55.00B (-1.0%)
56.04B
53.01B – 57.25B
+1.9% YoY
57.68B
49.52B – 63.15B
+2.9% YoY
61.80B
49.22B – 70.21B
+7.1% YoY
64.33B
58.58B – 69.31B
+4.1% YoY
76.96B
65.73B – 83.87B
+19.6% YoY
SGA
129.86M
est: 1.24B (-89.6%)
173.82M
est: 5.65B (-96.9%)
190.19M
est: 3.02B (-93.7%)
255.68M
est: 3.39B (-92.5%)
359.21M
est: 2.96B (-87.9%)
323.47M
est: 2.91B (-88.9%)
445.38M
est: 3.51B (-87.3%)
3.30B
est: 4.42B (-25.4%)
478.30M
est: 4.61B (-89.6%)
517.20M
est: 5.36B (-90.3%)
3.67B
est: 4.96B (-26.0%)
6.31B
est: 5.07B (+24.3%)
5.60B
est: 6.04B (-7.3%)
6.83B
est: 1.61B (+325.2%)
8.02B
est: 1.88B (+325.7%)
1.98B
1.89B – 2.03B
+5.2% YoY
2.10B
1.96B – 2.24B
+5.6% YoY
2.28B
1.92B – 2.44B
+8.7% YoY
2.42B
2.42B – 2.42B
+6.4% YoY
2.80B
2.49B – 3.00B
+15.8% YoY
EPS
20.05
est: 19.07 (+5.2%)
19.32
est: 19.71 (-2.0%)
20.76
est: 20.28 (+2.4%)
26.12
est: 25.73 (+1.5%)
27.65
est: 28.19 (-1.9%)
33.05
est: 33.39 (-1.0%)
38.49
est: 38.81 (-0.8%)
39.91
est: 39.62 (+0.7%)
48.23
est: 45.80 (+5.3%)
47.62
est: 50.15 (-5.0%)
54.31
est: 55.82 (-2.7%)
43.11
est: 35.82 (+20.3%)
52.55
est: 46.70 (+12.5%)
86.52
est: 86.30 (+0.3%)
98.95
est: 96.60 (+2.4%)
100.61
96.36 – 104.07
+4.2% YoY
104.92
90.01 – 114.81
+4.3% YoY
113.05
89.48 – 127.64
+7.7% YoY
118.20
106.50 – 126.00
+4.6% YoY
139.90
119.48 – 152.46
+18.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-14 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-13 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-12 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-11 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-08 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-07 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-06 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-05 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-04 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-30 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-24 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-21 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-17 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-15 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
155.37M
OE per share TTM
0.28
Owner's Yield
0.05%
Maintenance CapEx ratio
0.45%
Maint CapEx / Avg PPE
1.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
30.24M
Shares Outstanding
550.06M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Tribhuwan Adhikari CEO, MD & Director 11M male
Hitesh Talreja Chief Technology Officer — male
J. Sangameswar Chief Risk Officer — male
Lokesh Mundhra Chief Financial Officer — male
Panchariya General Manager of Accounts & Treasury — male
R. Murali Chief Compliance Officer — male
Sanjay Dayal Chief Operating Officer — male
Sudipto Sil Marketing Head of Western Region at Mumbai — male
V. Krishna Mohan Chief Manager of OS — male
Varsha Hardasani Company Secretary & Compliance Officer — female
Debakanta Padhi General Manager of HR, Staff Discipline & Legal — male
Vikas Chaturvedi General Manager of HR, Staff Discipline & Legal — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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