āagman

Not investment advice. Data and computed figures, for information only.

LIC Housing Finance Ltd

NSE: LICHSGFINF&O
₹533.20
−₹1.80 (−0.34%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹30,344 Cr
CMP
₹533.20
52-wk High / Low
₹598 / 459
P/E
5.3
P/B
0.7
Book Value
₹753.0
Div Yield
1.81%
ROCE
8.6%
ROE
14.0%
Face Value
₹2
D/E
6.70

Price−6.2% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 15 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
2
/ 9
2 of 9 F-score tests passed
Graham Number
₹1,314
√(22.5 × EPS × book value per share)
Cash flow to profit
−1.52
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
12.7%
ROE × earnings retention ratio
ROE stability
2.4
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.08DII +0.13
Latest quarter vs the previous one
Cash-accrual divergence
4.4%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 3.8pp over the last year
+PE of 5.3x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 8.6% trails the sector median of 9.4%
−Borrowings are up 150.2% since FY2016 (110931 to 277539)
−Price trades below its 200-day moving average (1.0x)
−Piotroski F-Score of 2/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales6,7596,7656,8046,9486,7976,9387,0707,3037,1867,1797,2067,0947,083
Expenses602670686800392372297546410450474346210
Operating Profit—————————————
OPM %—————————————
Other Income0000221001625
Interest4,4934,6004,6464,6494,7494,8794,9504,9515,0474,9944,9424,7864,946
Depreciation19131818222425262532343130
Profit before tax1,6451,4831,4541,4821,6351,6651,7981,7801,7051,7031,7621,9331,901
Net Profit1,3191,1921,1691,0821,3061,3281,4351,3741,3641,3491,3981,4931,499
EPS (₹)23.9821.6721.2519.6623.7524.1426.0924.9724.8024.5325.4227.1327.25

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales10,81212,49114,09214,87617,39819,74019,88619,97822,71727,27728,09828,83828,562
Expenses3906118879401,1041,5922,0123,0122,9642,7561,5951,8511,481
Operating Profit—————————————
OPM %—————————————
Other Income1712900−33−5271146914
Interest8,3109,30710,23111,14412,89114,78114,45014,15116,13518,38819,53219,77119,669
Depreciation1010101012515255696998122127
Profit before tax2,1192,5752,9732,7823,3923,2823,3652,7873,5616,0686,8797,1037,300
Net Profit1,3961,6681,9422,0082,4342,4042,7412,2862,8914,7635,4435,6045,739
EPS (₹)27.6533.0538.4939.7948.2347.6254.3141.5552.5586.5998.94101.87104.33

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital101101101101101101101110110110110110—
Reserves7,7799,11411,05514,21016,23018,16420,50024,64127,07531,36736,24241,319—
Other Liabilities8,21810,44113,5046,00413,7197,2277,1956,1796,4617,1986,9406,245—
Total Liabilities1,12,6301,30,5871,50,9971,71,2282,00,7072,16,9202,35,7212,54,6872,78,5592,91,2933,14,0183,25,213—
Fixed Assets90102102129168294282315388389377416—
CWIP0053236410520—
Investments2412805372,0083,6175,4854,6446,2797,0506,3376,9415,132—
Other Assets1,12,2981,30,2041,50,3521,69,0881,96,9202,11,1382,30,7892,48,0882,71,1202,84,5673,06,6473,19,664—
Total Assets1,12,6301,30,5871,50,9971,71,2282,00,7072,16,9202,35,7212,54,6872,78,5592,91,2933,14,0183,25,213—
Borrowing96,5321,10,9311,26,3371,50,9131,70,6571,91,4282,07,9252,23,7572,44,9132,52,6182,70,7262,77,539—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−11,523−14,345−13,039−14,273−18,977−21,538−14,738−11,324−16,729−19,632−7,151−16,978−8,504
Cash from Investing Activity−2−58−58−2781,368−1,642−1,851858−1,629−800587−6791,752
Cash from Financing Activity13,04814,23214,09815,07218,07424,06815,15610,42817,85020,2497,34617,5346,192
Net Cash Flow1,524−1711,001521465887−1,434−37−508−183781−123−560

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %————————————8.6
ROE %19.018.020.019.016.016.014.014.010.011.016.016.014.0
EPS (₹)26.1227.6533.0538.4939.7948.2347.6254.3141.5552.5586.5998.94101.87
Book Value (₹)————————————753.0
Face Value (₹)————————————2
P/E————————————5.3
Div Yield %————————————1.81
NPM %—12.913.313.813.514.012.213.811.412.717.519.419.4
OPM %—————————————
D/E—12.2512.0411.3210.5510.4510.4810.099.049.018.037.456.70
P/B————————————0.7

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+9.0%
5 years+8.0%
3 years+8.0%
TTM+0.0%
Compounded profit growth
10 years+13.0%
5 years+15.0%
3 years+25.0%
TTM+4.0%
Stock price CAGR
10 years−1.0%
5 years+4.0%
3 years+5.0%
Last year−3.0%
Return on equity
10 years14.0%
5 years14.0%
3 years15.0%
Last year14.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters40.31%40.31%40.31%40.31%40.31%40.31%45.24%45.24%45.24%45.24%45.24%45.24%
FIIs32.90%32.90%32.93%31.42%32.32%28.20%23.03%17.66%22.59%21.55%21.39%21.47%
DIIs13.00%13.00%8.26%9.00%14.00%16.82%16.23%24.18%21.99%21.34%20.89%21.02%
Government————————————
Public13.79%13.79%18.50%19.27%13.37%14.67%15.50%12.92%10.18%11.87%12.49%12.27%
No. of shareholders1,83,6211,83,6212,14,1632,07,9292,38,1392,96,5704,52,1333,62,9742,97,8993,64,1823,47,9413,37,873
Change since Jun 2023 (pp)
Promoters +4.93FIIs −11.43DIIs +8.02Public −1.52

Documents

As of 11 Oct 2026
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Closure of Trading WindowShareholder Meeting / Postal Ballot-Notice of Postal BallotShareholder Meeting / Postal Ballot-Outcome of AGMAnnouncement under Regulation 30 (LODR)-Change in Management
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Aug 2026TranscriptAug 2026PPTAug 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingFeb 2026TranscriptFeb 2026PPTNov 2025TranscriptNov 2025PPTNov 2025RecordingAug 2025TranscriptAug 2025PPT

Corporate actions

As of 21 Aug 2026
21 Aug 2026DIVIDENDDividend - Rs 10 Per Share—
22 Aug 2025DIVIDENDDividend - Rs 10 Per Share—
23 Aug 2024DIVIDENDAnnual General Meeting/Dividend - Rs 9 Per Share—
18 Aug 2023DIVIDENDAnnual General Meeting/Dividend - Rs 8.50 Per Share—
19 Sep 2022DIVIDENDAnnual General Meeting/Dividend - Rs 8.50 Per Share—
16 Sep 2021DIVIDEND Annual General Meeting/Dividend - Rs 8.50 Per Share—
17 Sep 2020DIVIDEND Annual General Meeting/Dividend - Rs 8 Per Share—
16 Aug 2019DIVIDEND Annual General Meeting/ Dividend - Rs 7.60 Per Share—
9 Aug 2018DIVIDEND Annual General Meeting / Dividend- Rs 6.80 Per Share—
8 Aug 2017DIVIDEND Annual General Meeting/Dividend - Rs 6.20 Per Share—
9 Aug 2016DIVIDEND Annual General Meeting/ Dividend - Rs 5.50/- Per Share—
7 Aug 2015DIVIDENDAnnual General Meeting/ Dividend - Rs 5/- Per Share—
7 Aug 2014DIVIDENDAnnual General Meeting / Dividend - Rs 4.50/- Per Share—
9 Jul 2013DIVIDENDAnnual General Meeting / Final Dividend Rs.3.80/- Per Equity Share—
6 Jul 2012DIVIDENDAnnual General Meeting And Dividend Rs.3.60 Per Share—
4 Jul 2011DIVIDENDAnnual General Meeting And Dividend Rs.3.50 Per Share—
30 Dec 2010SPLITFace Value Split From Rs.10/- To Rs.2/-10 : 2
29 Jun 2010DIVIDENDDividend-Rs.15/- Pr Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman