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BSE: 500253 | NSE: LICHSGFIN | Finance - Housing | Mid Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that LIC Housing Finance Ltd is a average quality company.
The key valuation ratios of LIC Housing Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of LIC Housing Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 10,751 | 12,475 | 14,072 | 14,875 | 17,395 | 19,737 | 19,882 | 19,974 | 22,714 | 27,277 | 27,259 | |
| YoY Gr. Rt. % | - | 16% | 12.8% | 5.7% | 16.9% | 13.5% | 0.7% | 0.5% | 13.7% | 20.1% | - | |
| Adj EPS (₹ ) | 27.7 | 33.1 | 38.5 | 39.9 | 48.2 | 47.5 | 54.3 | 41.6 | 52.6 | 86.6 | 86.4 | |
| YoY Gr. Rt. % | - | 19.5% | 16.5% | 3.7% | 20.9% | -1.5% | 14.3% | -23.5% | 26.4% | 64.8% | - | |
| BVPS (₹ ) | 156.1 | 182.6 | 221.1 | 283.6 | 323.6 | 361.9 | 408.2 | 449.9 | 494.2 | 572.2 | 596 | |
| YoY Gr. Rt. % | - | 16.9% | 21.1% | 28.3% | 14.1% | 11.8% | 12.8% | 10.2% | 9.8% | 15.8% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.3 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 | 0.9 | 1.1 | 1.7 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 10.9% | 9.4% | 11.1% | 20.1% | ||||||||
| Adj EPS | 13.5% | 12.4% | 16.8% | 64.8% | ||||||||
| BVPS | 15.5% | 12.1% | 11.9% | 15.8% | ||||||||
| Share Price | 7.6% | 9.7% | 17.6% | 45.4% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0.2 | 0.2 | 0.1 | 0.4 | 1.1 | 2 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 15.3 | 17 | 15.6 | 16 | 14.4 | 13.9 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 13 | 13.4 | 13.8 | 13.5 | 14 | 12.2 | 13.8 | 11.4 | 12.7 | 17.5 | 17.4 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 18.1 | 19.5 | 19.1 | 15.8 | 15.9 | 13.9 | 14.1 | 10.1 | 11.1 | 16.2 | 14.5 | |
Return on Equity has increased versus last 3 years average to 14.80%
Total Income has increased 11.12 CAGR in last 3 years
Net Profit has increased 16.83 CAGR in last 3 years
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 86.2 | 86.4 |
| TTM Sales (₹ Cr.) | 27,209 | 27,259 |
| BVPS (₹.) ⓘ | 594.4 | 596 |
| Reserves (₹ Cr.) ⓘ | 32,585 | 32,671 |
| P/BV ⓘ | 1.12 | 1.12 |
| PE ⓘ | 7.74 | 7.73 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 432.35 / 827.00 |
| All Time Low / High (₹) | 4.60 / 827.00 |
| Market Cap (₹ Cr.) | 36,722 |
| Equity (₹ Cr.) | 110 |
| Face Value (₹) | 2 |
| Industry PE ⓘ | 23.3 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 10,941 | 12,610 | 14,239 | 14,876 | 17,398 | 19,742 | 19,886 | 20,005 | 22,728 | 27,278 |
| Interest Income | 10,751 | 12,475 | 14,072 | 14,875 | 17,395 | 19,737 | 19,882 | 19,974 | 22,714 | 27,277 |
| Other Income ⓘ | 189 | 135 | 167 | 2 | 3 | 5 | 4 | 31 | 14 | 1 |
| Expenditure ⓘ | 8,821 | 10,035 | 11,266 | 12,094 | 14,007 | 16,459 | 16,520 | 17,218 | 19,167 | 21,213 |
| Interest Expense ⓘ | 8,310 | 9,307 | 10,231 | 11,144 | 12,891 | 14,782 | 14,450 | 14,151 | 16,135 | 18,385 |
| Operating Expenses ⓘ | 439 | 520 | 662 | 446 | 461 | 562 | 625 | 937 | 973 | 1,091 |
| Provisions | 72 | 208 | 372 | 504 | 655 | 1,115 | 1,445 | 2,130 | 2,059 | 1,737 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 2,119 | 2,575 | 2,973 | 2,782 | 3,392 | 3,282 | 3,365 | 2,787 | 3,561 | 6,064 |
| Taxes ⓘ | 722 | 907 | 1,031 | 774 | 957 | 879 | 624 | 501 | 670 | 1,305 |
| Profit After Tax | 1,398 | 1,668 | 1,942 | 2,008 | 2,434 | 2,404 | 2,741 | 2,286 | 2,891 | 4,760 |
| Adjusted EPS (₹) | 27.7 | 33.1 | 38.5 | 39.9 | 48.2 | 47.5 | 54.3 | 41.6 | 52.6 | 86.6 |
| Dividend Payout Ratio (%) | 18% | 17% | 16% | 17% | 16% | 17% | 16% | 20% | 16% | 10% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 7,880 | 9,215 | 11,156 | 14,311 | 16,331 | 18,265 | 20,601 | 24,751 | 27,185 | 31,477 |
| Share Capital ⓘ | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 110 | 110 | 110 |
| Reserves ⓘ | 7,779 | 9,114 | 11,055 | 14,210 | 16,230 | 18,164 | 20,500 | 24,641 | 27,075 | 31,367 |
| Minority Interest | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| Long Term Borrowings | 82,216 | 93,150 | 1,06,844 | 1,32,661 | 1,48,044 | 1,55,116 | 1,80,267 | 1,95,325 | 2,08,781 | 2,23,342 |
| Current Liabilities | 22,533 | 28,221 | 32,996 | 23,804 | 35,769 | 43,010 | 33,931 | 33,237 | 40,694 | 34,874 |
| Trade Payables | 27 | 37 | 51 | 53 | 75 | 31 | 86 | 54 | 34 | 71 |
| Short term borrowings | 2,698 | 5,440 | 7,587 | 13,420 | 23,592 | 36,336 | 27,230 | 27,264 | 34,470 | 28,068 |
| Other Liabilities | -2,725 | -5,477 | -7,639 | -13,473 | -23,667 | -36,367 | -27,316 | -27,318 | -34,503 | -28,138 |
| Total Liabilities ⓘ | 1,12,630 | 1,30,587 | 1,50,997 | 1,70,779 | 2,00,146 | 2,16,393 | 2,34,803 | 2,53,315 | 2,76,663 | 2,89,695 |
Assets | ||||||||||
| Non Current Asset | 1,02,265 | 1,18,160 | 1,36,326 | 1,67,542 | 1,94,710 | 2,10,589 | 2,31,047 | 2,50,553 | 2,73,288 | 2,86,373 |
| Loan Asset | 1,01,825 | 1,17,652 | 1,35,414 | 1,66,129 | 1,92,946 | 2,07,915 | 2,28,043 | 2,45,222 | 2,67,761 | 2,80,518 |
| Other Non Current Asset ⓘ | 440 | 508 | 912 | 1,413 | 1,764 | 2,674 | 3,004 | 5,331 | 5,527 | 5,854 |
| Current Asset | 10,365 | 12,428 | 14,671 | 3,237 | 5,436 | 5,805 | 3,755 | 2,762 | 3,375 | 3,323 |
| Current Investment | 13 | 17 | 18 | 1,014 | 2,294 | 3,595 | 2,170 | 1,563 | 2,291 | 1,637 |
| Other Current Asset | 10,352 | 12,411 | 14,653 | 2,223 | 3,142 | 2,209 | 1,585 | 1,200 | 1,084 | 1,686 |
| Total Assets ⓘ | 1,12,630 | 1,30,587 | 1,50,997 | 1,70,779 | 2,00,146 | 2,16,393 | 2,34,803 | 2,53,315 | 2,76,663 | 2,89,695 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -14,345 | -13,039 | -14,273 | -18,977 | -21,538 | -14,738 | -17,140 | -16,729 | -19,632 | -7,151 |
| Cash Flow From Investing Activity ⓘ | -58 | -58 | -278 | 1,368 | -1,642 | -1,851 | 858 | -1,628 | -800 | 587 |
| Cash Flow From Financing Activity ⓘ | 14,232 | 14,098 | 15,072 | 18,074 | 24,068 | 15,156 | 16,245 | 17,850 | 20,249 | 7,346 |
| Net Cash Flow ⓘ | -171 | 1,001 | 521 | 465 | 887 | -1,434 | -37 | -507 | -183 | 781 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 28 | 33 | 38 | 40 | 48 | 47 | 54 | 42 | 53 | 87 |
| DPS (₹) | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 9 | 9 | 9 |
| BVPS (₹) | 156 | 183 | 221 | 284 | 324 | 362 | 408 | 450 | 494 | 572 |
Performance Ratios | ||||||||||
| ROA (%) | 1.3 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 | 0.9 | 1.1 | 1.7 |
| ROE (%) | 18.1 | 19.5 | 19.1 | 15.8 | 15.9 | 13.9 | 14.1 | 10.1 | 11.1 | 16.2 |
| ROCE (%) | 10.8 | 10.6 | 10.3 | 9.4 | 9.4 | 9.1 | 8.1 | 7.1 | 7.6 | 8.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 2.8 | 2.7 | 2.8 | 1.9 | 1.7 | 0.7 | 1.1 | 0.8 | 0.7 | 1.1 |
Incorporated in 1989, LIC Housing Finance Ltd is one of the largest Housing Finance Companies in India with a key objective of providing long term finance to individuals for the purchase or construction of house/flat for residential purposes in India. LIC Housing Finance also provides finance on existing property for business/ personal needs and also gives loans to professionals for purchase/construction of Clinics/Nursing Homes/ Diagnostic Centers/ Office Space and also for purchase of equipment. The company also provides finance to builders and developers engaged in the business of construction of houses or flats for residential purpose and to be sold by them.
The company went public in 1994 and since then its stocks are listed and actively traded on the National Stock Exchange (NSE) and Bombay Stock Exchange Limited (BSE). LIC Housing Finance is amongst the pioneers in India ensuring access to housing finance for home ownership. With a strong business foundation, an extensive distribution network and proven industry expertise, LIC HFL is a respected and trusted financial services company.
Business area of the company
LIC Housing Finance is one of the largest Housing Finance Company in India. The main objective of the company is providing long term finance to individuals for purchase or construction of house or flat for residential purpose / repair and renovation of existing flat / houses.
Services & Products offered by the company
Home loan
Corporate/ Projects Loans
Other Loans
Awards & Accolades
Milestones:
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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