LIC Housing Finance Ltd Stock Analysis

BSE: 500253 | NSE: LICHSGFIN | Finance - Housing | Large Cap

BSE Share Price 04-Oct-2022 18:01
417.85 15.40 (3.83%)

DeciZen - Make an Informed Decision on LIC Housing Finance

Overall Rating

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Semi Strong

LIC Housing Finance Price Chart

P/E Ratio (CD) :
7.52
Market Cap :
22,984.4 Cr.
52-wk low :
291.8
52-wk high :
462.5
Bole Toh?

1. Is LIC Housing Finance Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that LIC Housing Finance Ltd is a average quality company.

2. Is LIC Housing Finance Ltd undervalued or overvalued?

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.

3. Is LIC Housing Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of LIC Housing Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of LIC Housing Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
LIC Housing Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)7,6989,27210,75112,47514,07214,87517,39519,73719,88219,97420,286
YoY Gr. Rt. %-20.5%16%16%12.8%5.7%16.9%13.5%0.7%0.5%-
Adj EPS (₹ ) 20.826.127.733.138.539.948.247.654.441.655.7
YoY Gr. Rt. %-25.8%5.9%19.5%16.5%3.5%21%-1.2%14.1%-23.5%-
BVPS (₹ )129.5150.3156.1182.6221.1283.6323.6361.9408.2449.9466.8
YoY Gr. Rt. %-16.1%3.9%16.9%21.1%28.3%14.1%11.8%12.8%10.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.41.51.31.41.41.31.31.21.20.90

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income11.2%7.3%4.7%0.5%
Adj EPS8%1.6%-4.8%-23.5%
BVPS14.9%15.3%11.6%10.2%
Share Price 4.5% -8.4% 3.9% -6.7%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0.40.40.20.20.10.41.1200-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 16.516.415.31715.61614.413.900-
Margins
Net Profit Margin (%)13.714.31313.413.813.51412.213.811.415.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)17.218.718.119.519.115.815.913.914.110.111.9

Recent Performance Summary

Total Income has increased 4.72 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 12.10%

Net Profit has declined -4.84 CAGR in last 3 years

Latest Financials - LIC Housing Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 55.6 55.7
TTM Sales (₹ Cr.) 20,233 20,286
BVPS (₹.) 465.4 466.8
Reserves (₹ Cr.) 25,487 25,568
P/BV 0.90 0.90
PE 7.51 7.52
From the Market
52 Week Low / High (₹) 291.75 / 462.50
All Time Low / High (₹) 4.60 / 794.10
Market Cap (₹ Cr.) 22,984
Equity (₹ Cr.) 110
Face Value (₹) 2
Industry PE 23

Management X-Ray of LIC Housing Finance :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of LIC Housing Finance

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

LIC Housing Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of LIC Housing Finance on 04-Oct-2022 18:01 is : 417.9.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Oct-2022 18:01 the market cap of LIC Housing Finance stood at ₹ 22,984.4.
The latest PE ratio of LIC Housing Finance as of 04-Oct-2022 18:01 is 7.51.
The latest PB ratio of LIC Housing Finance as of 04-Oct-2022 18:01 is 0.90
The 52-week high of LIC Housing Finance is ₹ 462.5 and the 52-week low is ₹ 291.8.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of LIC Housing Finance is ₹ 20,233 ( Cr.) .

About LIC Housing Finance Ltd

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

  • Housing loan
  • Other Home loan products
  • Refinance
  • Special offers

Corporate/ Projects Loans

  • Corporate
  • Builders/ Developers

Other Loans

  • Loan against property
  • Loan against securities
  • Loans to professional
  • Loan against property for companies
  • Loan under rental securitizations

Awards & Accolades

  • Received Data Quality Award by Transunion CIBIL in the Housing Finance Company category at the TU CIBIL Annual Conference 2019.
  • Awarded the ‘Best Housing Finance Company’ at the National Real Estate Congress Leadership & Awards 2019.
  • Listed as ‘The Outperforming Housing Finance Company 2019’ by Outlook Business
  • Awarded Best Private Issuer 2019 on Electronic Bidding Platform by National Stock Exchange
  • Featured in the Top 10 Most Consistent Wealth Creators according to the ‘Motilal Oswal 24th Annual Wealth Creation Study, 2019’.

Milestones:

  • 1989: Incorporated LICHFL; Lending commences from first office in Delhi.
  • 1994: Launched IPO of Rs 120 crore.
  • 2002: Set up Dubai office, marking first overseas presence
  • 2004: Loan portfolio crosses Rs 10,000 crore
  • 2004: $29 million GDR issue; First HFC to do GDR issue oversubscribe
  • 2009: QIP of $135 million oversubscribed 6 times
  • 2015: Loan portfolio crosses Rs 1,00,000 crore
  • 2017: Crossed Rs 1,50,000 crore in assets
  • 2018: Profiled in India’s Leading BFSI Companies 2018 by Dun & Bradstreet
  • 2019: Crossed Rs 2,00,000 crore in assets.
  • 2020: LIC Housing Finance identifies 14 projects for alternative investment fund
  • 2020: LIC Housing Finance launches Project RED to improve efficiencies
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