LICHSGFIN

LIC Housing Finance Limited

One of India's largest housing finance companies, promoted by LIC

Financial Services›Financial Services›Finance›Housing Finance Company

lichousing.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹511.50
Market cap
28,134 Cr
Stock P/E
4.9
P/B
0.68
Dividend yield
2.0%
ROE (FY26)
13.5%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

LIC Housing Finance (LICHFL) lends to individuals in India to buy, build, repair or renovate homes, and also lends to developers for residential projects.

Company snapshot

3rdBy market cap

Ranked among 14 companies in Housing Finance Company.

Segment mix

Reportable segments as of 2024-12-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 99.8% of revenue

SegmentRevenue shareRevenuePBTAssets
OTHERS
0.4%
26 Cr7 Cr282 Cr
SEGMENT REVENUE
99.8%
7,057 Cr1,793 Cr3,06,144 Cr

What we see

Positives
  • ✓Net margin of 19.4% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
2 more signals from the filings.Sign in free to see them all

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income2,113 Cr2,105 Cr2,247 Cr1,997 Cr1,981 Cr2,008 Cr2,174 Cr2,076 Cr2,048 Cr2,111 Cr2,232 Cr2,087 Cr
Other income0.43 Cr0 Cr0.40 Cr0 Cr0.59 Cr0 Cr0.03 Cr0 Cr0.52 Cr5 Cr0.09 Cr3 Cr
Net operating income2,113 Cr2,105 Cr2,248 Cr1,997 Cr1,982 Cr2,008 Cr2,175 Cr2,076 Cr2,048 Cr2,117 Cr2,232 Cr2,090 Cr
Employee cost147 Cr150 Cr209 Cr161 Cr182 Cr218 Cr194 Cr176 Cr161 Cr192 Cr187 Cr200 Cr
Other expenses70 Cr72 Cr115 Cr71 Cr89 Cr100 Cr197 Cr92 Cr92 Cr110 Cr139 Cr99 Cr
Provisions & contingencies————————————
Depreciation13 Cr18 Cr18 Cr23 Cr24 Cr25 Cr26 Cr25 Cr32 Cr34 Cr31 Cr30 Cr
Profit before tax1,485 Cr1,457 Cr1,482 Cr1,635 Cr1,665 Cr1,798 Cr1,780 Cr1,705 Cr1,703 Cr1,762 Cr1,933 Cr1,901 Cr
Tax %19.6%19.8%27.0%20.1%20.3%20.2%22.8%20.0%20.8%20.7%22.8%21.2%
Net profit1,194 Cr1,169 Cr1,082 Cr1,306 Cr1,328 Cr1,435 Cr1,374 Cr1,364 Cr1,349 Cr1,398 Cr1,493 Cr1,499 Cr
EPS (₹)₹21.67₹21.21₹19.67₹23.75₹24.14₹26.09₹24.97₹24.80₹24.53₹25.42₹27.13₹27.25

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———4,833 Cr5,259 Cr5,567 Cr6,411 Cr8,682 Cr8,161 Cr8,463 CrSign in free for the trailing twelve months
Other income94 Cr118 Cr3 Cr-29 Cr-1 Cr31 Cr14 Cr0.83 Cr0.62 Cr6 CrSign in free for the trailing twelve months
Net operating income94 Cr118 Cr3 Cr4,804 Cr5,257 Cr5,598 Cr6,426 Cr8,683 Cr8,162 Cr8,470 CrSign in free for the trailing twelve months
Employee cost266 Cr239 Cr275 Cr328 Cr324 Cr602 Cr516 Cr650 Cr755 Cr714 CrSign in free for the trailing twelve months
Other expenses339 Cr398 Cr200 Cr213 Cr254 Cr254 Cr322 Cr330 Cr457 Cr423 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation10 Cr10 Cr12 Cr51 Cr52 Cr55 Cr69 Cr69 Cr98 Cr122 CrSign in free for the trailing twelve months
Profit before tax2,973 Cr3,097 Cr3,392 Cr3,283 Cr3,367 Cr2,788 Cr3,561 Cr6,068 Cr6,879 Cr7,103 CrSign in free for the trailing twelve months
Tax %34.7%35.0%28.2%26.8%18.5%18.0%18.8%21.5%20.9%21.1%Sign in free for the trailing twelve months
Net profit1,942 Cr2,014 Cr2,434 Cr2,404 Cr2,743 Cr2,287 Cr2,891 Cr4,763 Cr5,443 Cr5,604 CrSign in free for the trailing twelve months
EPS (₹)₹38.49₹39.91₹48.23₹47.63₹54.32₹43.12₹52.56₹86.53₹98.95₹101.87Sign in free for the trailing twelve months
Dividend payout %————14.7%20.4%16.0%9.8%9.1%9.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital101 Cr101 Cr101 Cr101 Cr101 Cr110 Cr110 Cr110 Cr110 Cr110 Cr
Reserves11,055 Cr12,692 Cr16,230 Cr18,164 Cr20,500 Cr24,641 Cr27,075 Cr31,367 Cr36,242 Cr41,319 Cr
Borrowings1,11,326 Cr1,19,605 Cr—1,91,295 Cr2,07,798 Cr2,23,607 Cr2,44,729 Cr2,52,448 Cr2,70,542 Cr2,77,356 Cr
Other liabilities28,513 Cr39,569 Cr1,84,374 Cr7,358 Cr7,320 Cr6,326 Cr6,642 Cr7,406 Cr7,143 Cr6,424 Cr
Total liabilities1,50,997 Cr1,71,969 Cr2,00,707 Cr2,16,920 Cr2,35,722 Cr2,54,687 Cr2,78,559 Cr2,91,334 Cr3,14,040 Cr3,25,213 Cr
Fixed assets (net)99 Cr100 Cr165 Cr292 Cr161 Cr154 Cr181 Cr163 Cr154 Cr184 Cr
CWIP5 Cr29 Cr2 Cr3 Cr3 Cr3 Cr0.84 Cr0.20 Cr0.09 Cr0 Cr
Investments537 Cr965 Cr—5,485 Cr4,644 Cr6,279 Cr7,050 Cr6,337 Cr7,230 Cr5,161 Cr
Loans & advances———2,07,975 Cr2,28,091 Cr2,45,234 Cr2,67,776 Cr2,80,532 Cr3,02,778 Cr3,16,066 Cr
Trade receivables112 Cr143 Cr12 Cr22 Cr8 Cr8 Cr0.72 Cr10 Cr12 Cr8 Cr
Cash & bank4,523 Cr3,055 Cr2,803 Cr1,369 Cr1,332 Cr824 Cr641 Cr1,423 Cr1,289 Cr710 Cr
Other assets1,45,721 Cr1,67,676 Cr1,97,725 Cr1,774 Cr1,483 Cr2,183 Cr2,910 Cr2,868 Cr2,578 Cr3,085 Cr
Total assets1,50,997 Cr1,71,969 Cr2,00,707 Cr2,16,920 Cr2,35,722 Cr2,54,687 Cr2,78,559 Cr2,91,334 Cr3,14,040 Cr3,25,213 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-14,273 Cr-19,486 Cr-21,538 Cr-14,738 Cr-11,324 Cr-16,729 Cr-19,632 Cr-7,151 Cr-16,609 Cr-8,504 Cr
Cash from investing-278 Cr-487 Cr-1,642 Cr-1,851 Cr858 Cr-1,628 Cr-799 Cr587 Cr-939 Cr1,752 Cr
Cash from financing15,072 Cr18,614 Cr24,068 Cr15,156 Cr10,428 Cr17,850 Cr20,249 Cr7,346 Cr17,413 Cr6,192 Cr
Net cash flow521 Cr-1,359 Cr887 Cr-1,434 Cr-37 Cr-508 Cr-183 Cr781 Cr-134 Cr-560 Cr
Free cash flow (OCF − Capex)-14,288 Cr-19,521 Cr-21,589 Cr-14,752 Cr-11,334 Cr-16,765 Cr-19,697 Cr-7,188 Cr-16,683 Cr-8,556 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %17.4%15.7%14.9%13.2%13.3%9.2%10.6%15.1%15.0%13.5%
Debt / equity9.989.35—10.4710.099.039.008.027.446.69