LIC Housing Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 5.4x vs industry 37.5x)
- Trading below book value (P/B 0.7x)
- Regular dividends — yield 1.8%
Concerns
Today's Price Action
The stock closed at ₹562.05 with zero percent change, matching the previous close and indicating a lack of directional bias in the session. Volume stood at 71,16,239 shares, identical to the 20‑day average, which suggests that trading activity remains steady and there is no sudden influx of liquidity to push the price beyond its recent range.
Valuation Snapshot
The trailing P/E ratio is 5.13, markedly lower than the broader financial services sector where the sector‑wide P/E is not applicable, reflecting a comparatively cheap earnings multiple for the company. A price‑to‑book of 0.9 together with a ROE of 14.4 % points to a solid return on equity while the book‑value cushion indicates that the market price is still below the company’s net asset base.
Key Levels to Watch
The 52‑week range lies between ₹459 (low) and ₹598 (high), placing the current price about 15 % below the year‑high and roughly 13 % above the yearly low, a zone where past support has historically been tested. Open‑interest clusters on the nearest strike around ₹560 act as a short‑term reference point, and a noticeable increase in open interest at that level could signal potential accumulation or distribution activity.
Chart Pattern
On the daily chart a Bullish Engulfing candle formed three sessions ago, followed by a Hanging Man and a Bearish Engulfing candle four sessions ago, reflecting alternating pressure within the same period and showing a mixed short‑term sentiment without implying a sustained trend.
Data Summary
Key metrics include a market‑capitalisation of zero crore, a P/E of 5.13, and a P/B of 0.9, while the share’s recent trading range is ₹459‑₹598 with a consistent 20‑day average volume of 71,16,239 shares, underscoring a stable participation level and a valuation that sits at the lower end of its historical price band.
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
LICHSGFIN · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 45.24% | 45.24% | 45.24% | 45.24% | 45.24% | 45.24% |
| FII | 21.91% | 22.59% | 23.19% | 21.95% | 21.24% | 21.55% |
| DII | 21.76% | 21.99% | 21.22% | 20.53% | 21.44% | 21.34% |
| Public | 11.09% | 10.18% | 10.36% | 12.29% | 12.08% | 11.87% |
Corporate Events
Dividend - Rs 10 Per Share
To consider and approve the financial results for the period ended Jun 30, 2026
To consider other business matters-Determination of the date of 37th Annual General Meeting along with the Record date for the purpose of determining the eligibility of the members for the dividend payment subject to approval of members
To consider and approve 1) the Audited Financial Results for the Fourth Quarter and year ended 31st March, 2026 2) Recommendation of Dividend for the F.Y. 2025-2026, if any. 3) other business matters
Dividend - Rs 10 Per Share
Annual General Meeting/Dividend - Rs 9 Per Share
Annual General Meeting/Dividend - Rs 8.50 Per Share
Latest News
All newsBanks to challenge Subhash Chandra's ₹6.25-cr repayment plan
*Banks to challenge Subhash Chandra's ₹6.25-cr repayment plan.* Canara Bank, Union Bank of India, and LIC Housing Finance will contest the NCLT’s approval of the repayment plan. The move signals concerns over recovery and precedent for large debt resolutions. **₹6.25 crore** is the disputed amount under the approved plan. 📊 *STOCKS:* CANBK, UNIONBANK, LICHSGFIN | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #NCLT
LIC Housing Finance submits financial results filing
*LIC Housing Finance submits financial results filing.* This is a routine regulatory requirement for listed companies to disclose financial performance. No major deviations or surprises indicated from the filing update. **Machine-readable format** submission confirms compliance with NSE norms. 📊 *STOCKS:* $LICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Filing
LIC Housing Finance hosts investor meet with no major updates
*LIC Housing Finance hosts investor meet with no major updates.* The company shared operational insights during its analyst call but announced no significant financial or strategic changes. Performance metrics remained in line with recent trends, with AUM growth at **₹1.05 lakh crore** and GNPA stable at **2.4%**. Asset quality and disbursement trends were consistent with previous quarters. 📊 *STOCKS:* $LICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #InvestorMeet
LIC Housing Finance to hold shareholder meeting on August 28, 2026
*LIC Housing Finance to hold shareholder meeting on August 28, 2026* as per a corporate filing. The agenda and key discussion points have not been disclosed yet. Such meetings typically cover routine corporate matters and policy approvals. No financial impact is expected from the event itself. 📊 *STOCKS:* $LICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #ShareholderMeeting
Financials
Quarterly Results
| Metric | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹1.4K Cr 3.6% | ₹1.3K Cr 1.1% | ₹1.4K Cr 0.7% | ₹1.4K Cr 4.3% | ₹1.4K Cr 8.1% | ₹1.3K Cr 1.7% | ₹1.3K Cr 20.7% | ₹1.1K Cr |
| EPS (₹) | 25.42 3.6% | 24.53 1.1% | 24.8 0.7% | 24.97 4.3% | 26.09 8.1% | 24.14 1.6% | 23.75 20.8% | 19.66 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Expenses | ₹1.9K Cr 16.1% | ₹1.6K Cr 42.1% | ₹2.8K Cr 7.0% | ₹3.0K Cr 1.6% | ₹3.0K Cr 49.7% | ₹2.0K Cr 26.4% | ₹1.6K Cr 44.2% | ₹1.1K Cr 17.4% | ₹940 Cr 6.0% | ₹887 Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹9 Cr 50.0% | ₹6 Cr 50.0% | ₹4 Cr 63.6% | ₹11 Cr 59.3% | ₹27 Cr 640.0% | ₹-5 Cr 84.8% | ₹-33 Cr | ₹0 Cr | ₹0 Cr 100.0% | ₹9 Cr |
| Interest | ₹19.8K Cr 1.2% | ₹19.5K Cr 6.2% | ₹18.4K Cr 14.0% | ₹16.1K Cr 14.0% | ₹14.2K Cr 2.1% | ₹14.4K Cr 2.2% | ₹14.8K Cr 14.7% | ₹12.9K Cr 15.7% | ₹11.1K Cr 8.9% | ₹10.2K Cr |
| Depreciation | ₹122 Cr 24.5% | ₹98 Cr 42.0% | ₹69 Cr 0.0% | ₹69 Cr 25.5% | ₹55 Cr 5.8% | ₹52 Cr 2.0% | ₹51 Cr 325.0% | ₹12 Cr 20.0% | ₹10 Cr 0.0% | ₹10 Cr |
| PBT | ₹7.1K Cr 3.3% | ₹6.9K Cr 13.4% | ₹6.1K Cr 70.4% | ₹3.6K Cr 27.8% | ₹2.8K Cr 17.2% | ₹3.4K Cr 2.5% | ₹3.3K Cr 3.2% | ₹3.4K Cr 21.9% | ₹2.8K Cr 6.4% | ₹3.0K Cr |
| Tax % | 21.0% 0.0% | 21.0% 4.5% | 22.0% 15.8% | 19.0% 5.6% | 18.0% 5.3% | 19.0% 29.6% | 27.0% 3.6% | 28.0% 0.0% | 28.0% 20.0% | 35.0% |
| Net Profit | ₹5.6K Cr 3.0% | ₹5.4K Cr 14.3% | ₹4.8K Cr 64.8% | ₹2.9K Cr 26.5% | ₹2.3K Cr 16.6% | ₹2.7K Cr 14.0% | ₹2.4K Cr 1.2% | ₹2.4K Cr 21.2% | ₹2.0K Cr 3.4% | ₹1.9K Cr |
| EPS (₹) | 101.87 3.0% | 98.94 14.3% | 86.59 64.8% | 52.55 26.5% | 41.55 23.5% | 54.31 14.0% | 47.62 1.3% | 48.23 21.2% | 39.79 3.4% | 38.49 |
| Div Payout | 10.0% 0.0% | 10.0% 0.0% | 10.0% 37.5% | 16.0% 20.0% | 20.0% 25.0% | 16.0% 5.9% | 17.0% 6.3% | 16.0% 5.9% | 17.0% 6.3% | 16.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Sep 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
Liabilities | ||||||||||
| Equity Capital | ₹110 Cr 0.0% | ₹110 Cr 0.0% | ₹110 Cr 0.0% | ₹110 Cr 0.0% | ₹110 Cr 8.9% | ₹101 Cr 0.0% | ₹101 Cr 0.0% | ₹101 Cr 0.0% | ₹101 Cr 0.0% | ₹101 Cr |
| Reserves | ₹38.4K Cr 6.0% | ₹36.2K Cr 15.5% | ₹31.4K Cr 15.9% | ₹27.1K Cr 9.9% | ₹24.6K Cr 20.2% | ₹20.5K Cr 12.9% | ₹18.2K Cr 11.9% | ₹16.2K Cr 14.2% | ₹14.2K Cr 28.5% | ₹11.1K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹7.8K Cr 12.2% | ₹6.9K Cr 3.6% | ₹7.2K Cr 11.4% | ₹6.5K Cr 4.6% | ₹6.2K Cr 14.1% | ₹7.2K Cr 0.4% | ₹7.2K Cr 47.3% | ₹13.7K Cr 128.5% | ₹6.0K Cr 55.5% | ₹13.5K Cr |
| Total Liabilities | ₹3.2L Cr 1.6% | ₹3.1L Cr 7.8% | ₹2.9L Cr 4.6% | ₹2.8L Cr 9.4% | ₹2.5L Cr 8.0% | ₹2.4L Cr 8.7% | ₹2.2L Cr 8.1% | ₹2.0L Cr 17.2% | ₹1.7L Cr 13.4% | ₹1.5L Cr |
Assets | ||||||||||
| Fixed Assets | ₹430 Cr 14.1% | ₹377 Cr 3.1% | ₹389 Cr 0.3% | ₹388 Cr 23.2% | ₹315 Cr 11.7% | ₹282 Cr 4.1% | ₹294 Cr 75.0% | ₹168 Cr 30.2% | ₹129 Cr 26.5% | ₹102 Cr |
| CWIP | ₹0 Cr 100.0% | ₹52 Cr | ₹0 Cr 100.0% | ₹1 Cr 75.0% | ₹4 Cr 33.3% | ₹6 Cr 100.0% | ₹3 Cr 50.0% | ₹2 Cr 33.3% | ₹3 Cr 40.0% | ₹5 Cr |
| Investments | ₹5.2K Cr 25.4% | ₹6.9K Cr 9.5% | ₹6.3K Cr 10.1% | ₹7.0K Cr 12.3% | ₹6.3K Cr 35.2% | ₹4.6K Cr 15.3% | ₹5.5K Cr 51.6% | ₹3.6K Cr 80.1% | ₹2.0K Cr 273.9% | ₹537 Cr |
| Other Assets | ₹3.1L Cr 2.2% | ₹3.1L Cr 7.8% | ₹2.8L Cr 5.0% | ₹2.7L Cr 9.3% | ₹2.5L Cr 7.5% | ₹2.3L Cr 9.3% | ₹2.1L Cr 7.2% | ₹2.0L Cr 16.5% | ₹1.7L Cr 12.5% | ₹1.5L Cr |
| Total Assets | ₹3.2L Cr 1.6% | ₹3.1L Cr 7.8% | ₹2.9L Cr 4.6% | ₹2.8L Cr 9.4% | ₹2.5L Cr 8.0% | ₹2.4L Cr 8.7% | ₹2.2L Cr 8.1% | ₹2.0L Cr 17.2% | ₹1.7L Cr 13.4% | ₹1.5L Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-17.0K Cr 137.4% | ₹-7.2K Cr 63.6% | ₹-19.6K Cr 17.4% | ₹-16.7K Cr 47.7% | ₹-11.3K Cr 23.2% | ₹-14.7K Cr 31.6% | ₹-21.5K Cr 13.5% | ₹-19.0K Cr 33.0% | ₹-14.3K Cr 9.5% | ₹-13.0K Cr |
| Investing CF | ₹-679 Cr 215.7% | ₹587 Cr 173.4% | ₹-800 Cr 50.9% | ₹-1.6K Cr 289.9% | ₹858 Cr 146.4% | ₹-1.9K Cr 12.7% | ₹-1.6K Cr 220.0% | ₹1.4K Cr 592.1% | ₹-278 Cr 379.3% | ₹-58 Cr |
| Financing CF | ₹17.5K Cr 138.7% | ₹7.3K Cr 63.7% | ₹20.2K Cr 13.4% | ₹17.9K Cr 71.2% | ₹10.4K Cr 31.2% | ₹15.2K Cr 37.0% | ₹24.1K Cr 33.2% | ₹18.1K Cr 19.9% | ₹15.1K Cr 6.9% | ₹14.1K Cr |
| Net Cash Flow | ₹-123 Cr 115.7% | ₹781 Cr 526.8% | ₹-183 Cr 64.0% | ₹-508 Cr 1273.0% | ₹-37 Cr 97.4% | ₹-1.4K Cr 261.7% | ₹887 Cr 90.8% | ₹465 Cr 10.7% | ₹521 Cr 48.0% | ₹1.0K Cr |
| Free Cash Flow | ₹-17.1K Cr 137.2% | ₹-7.2K Cr 63.5% | ₹-19.7K Cr 17.3% | ₹-16.8K Cr 47.9% | ₹-11.3K Cr 23.2% | ₹-14.8K Cr 31.7% | ₹-21.6K Cr 13.5% | ₹-19.0K Cr 33.1% | ₹-14.3K Cr 9.4% | ₹-13.1K Cr |
Values in ₹ Cr · Source: Screener.in
Deep Dive Analysis
About LIC Housing Finance Limited
LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residential flats / houses to individuals and project finance to developers, Loan against Property (LAP), Lease Rental Discounting (LRD)for commercial properties as well as purchase of commercial shops/showrooms. etc.(Source : 201903 Annual Report Page No: 36 and 50)
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