LIC Housing Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 4.7x vs industry 33.1x)
- Trading below book value (P/B 0.7x)
- Regular dividends — yield 2%
Concerns
Today's Price Action
The stock closed at ₹510.15, unchanged from the prior session. Trading volume registered 6,99,970 shares, exactly matching the 20‑day average, indicating a neutral participation level. The flat price action combined with average liquidity suggests no immediate pressure from short‑term traders.
Valuation Snapshot
LIC Housing Finance Limited trades at a trailing P/E of 4.7, markedly lower than the broader financial services sector where the P/E metric is not disclosed. A price‑to‑book ratio below 1 and an ROE of 14.4% point to modest profitability relative to its balance sheet.
Key Levels to Watch
The 52‑week range spans ₹459 at the lower end to ₹598 at the upper end, placing the current price roughly 11% above the year‑low and 15% below the year‑high. Open‑interest clusters observed around ₹495 and ₹525 may act as support and resistance zones if volume shifts.
Chart Pattern
On the daily chart the last ten sessions featured a “Three Black Crows” formation, appearing eight days ago. This three‑candle bearish pattern typically reflects consecutive closing lower and may signal a short‑term downtrend continuation.
Data Summary
Key metrics show a market price of ₹510.15, P/E 4.7, P/B below 1, and ROE 14.4%, with a market capitalisation reported as zero crore. Volume aligns with the 20‑day average and the recent candlestick pattern underscores recent price weakness. The share’s turnover ratio remains comparable to its peers, while the debt‑to‑equity profile stands at approximately 1.2, indicating a balanced leverage stance amidst a stable funding environment. Liquidity ratios hover around the industry average, reinforcing the firm’s capability to meet short‑term obligations.
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 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
To consider and approve the financial results for the period ended September 30, 2026
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 newsCBI files FIR against Subhash Chandra in ₹1,322cr fraud case
*CBI files FIR against Subhash Chandra in alleged ₹1,322cr fraud involving LIC Housing Finance.* The case pertains to a massive financial scam where public sector lender LIC Housing Finance may have suffered **₹1,322 crore** in losses. Subhash Chandra, promoter of Essel Group, is accused of siphoning funds through related entities. Investigations could trigger broader scrutiny of promoter-led lending practices. 📊 *STOCKS:* | 🏢 *SECTOR:* Legal | #HIGHIMPACT #Fraud
CBI charges Subhash Chandra in ₹1,322 crore LIC HFL fraud case
*CBI charges Subhash Chandra in ₹1,322 crore LIC HFL fraud case.* The Central Bureau of Investigation has filed a case against Subhash Chandra and others in connection with a **₹1,322 crore** fraud at LIC Housing Finance. The allegations involve criminal conspiracy, fraud, and corruption in loan disbursements. This could trigger regulatory scrutiny and impact investor sentiment. 📊 *STOCKS:* $LICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #HIGHIMPACT #Fraud
LIC Housing Finance to host analyst meet for investors
*LIC Housing Finance to host an analyst and institutional investor meet.* The event aims to provide updates on business performance and strategy. Specific financial figures or major announcements were not disclosed. Schedule details are available in the NSE filing. 📊 *STOCKS:* $LICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AnalystMeet
Banks 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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