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Daily Range
Daily RangeToday's Low
₹ 577.45
Today's High
₹ 601.95
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52 Weeks Range
52 Weeks Low
₹ 291.75
52 Weeks High
₹ 443.60
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Momentum of the Stock
Momentum of the Stock Bearish![]()
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Circuit Limit
Lower
₹ 524.05
Upper
₹ 640.45
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Financials Strength Score
Financials Strength Score Piotroski Score
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Company Profile
LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. It offers deposits; home loans to residents and non-residents, as well as to pensioners; construction finance and term loans for builders/developers; and loans for staff quarters and other lines of credit for corporates. The company also provides loans against properties for companies and individuals; loans against securities; loans under rental securitization; and loans to professionals. In addition, it manages, advises, and acts as a trustee to venture capital and alternative investment funds; develops residential projects for senior citizens; and markets life and general insurance products, mutual funds, and credit and LIC cards. The company markets its products through home loan agents, direct sales agents, and customer relation associates. As of March 31, 2021, it operated through a network of 24 back offices, 282 marketing offices, 1 customer service point, and 9 regional offices, as well as representative offices in Dubai and Kuwait. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
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Companies under the same Group
Companies under the same Group
BEML
Bharat Electronics
BHEL
HPCL
IFCI
MTNL
MRPL
Chennai Petrol. Corp
SAIL
ONGC
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Key Metrics
Key MetricsStandalone
Consolidated
No of shares Outstanding
55.0 Cr.
EPS-TTM
₹88.80
Face Value
₹2.00
Book Value
₹611.05
Net Asset Value
₹494.18
ROE
11.13%
ROA
1.09%
ROCE
7.57%
Dividend Yield
1.55%
Total Debt
₹ 0.0 Cr.
Sales Growth
13.72%
PAT Growth
26.47%
Financials
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | 3,135.8 | 2,655.1 | 3,629.2 | 5,804.7 | 5,435.7 | 3,236.7 | 14,671.0 | 12,427.5 | 10,365.2 | 9,285.5 | 6,722.7 | 7,282.0 |
| Non-Current Assets | 273,288.4 | 250,552.9 | 231,047.5 | 210,588.8 | 194,710.1 | 167,541.9 | 136,326.0 | 118,159.7 | 102,265.0 | 86,319.8 | 73,675.5 | 58,341.6 |
| Total Assets | 276,663.1 | 253,315.4 | 234,802.9 | 216,393.5 | 200,145.7 | 170,778.6 | 150,997.0 | 130,587.2 | 112,630.3 | 95,605.4 | 80,398.3 | 65,623.7 |
| Current Liabilities | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Non-Current Liabilities | 208,647.6 | 195,324.8 | 180,267.5 | 155,116.2 | 148,043.6 | 132,661.3 | 106,843.5 | 93,150.2 | 82,216.1 | 68,305.7 | 56,762.0 | 46,550.0 |
| Total Equity | 27,184.7 | 24,750.8 | 20,601.4 | 18,264.9 | 16,330.8 | 14,311.2 | 11,155.9 | 9,214.6 | 7,880.1 | 7,585.9 | 6,533.4 | 5,710.2 |
| Total Liabilities & Total Equity | 276,663.1 | 253,315.4 | 234,802.9 | 216,393.5 | 200,145.7 | 170,778.6 | 150,997.0 | 130,587.2 | 112,630.3 | 95,605.4 | 80,398.3 | 65,623.7 |
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Financial Statement Analysis
Price to BV
The Industry Price to BV stands at 2.52, vs the Price to BV of 1.14, which results in a Negative aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 3.63, vs the Debt to Equity Ratio of 10.47, which results in a Negative aspect.
Quick Ratio
The Industry Quick Ratio stands at 3.18, vs the Quick Ratio of 0.14, which results in a Negative aspect.
Current Ratio
The Industry Current Ratio stands at 3.17, vs the Current Ratio of 0.13, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Income | 22,713.9 | 19,974.4 | 19,881.7 | 19,736.7 | 17,395.4 | 14,874.9 | 14,072.1 | 12,474.6 | 10,751.3 | 9,271.8 | 7,697.6 | 6,172.3 | 857.8 |
| Total Expenditure | 2,963.7 | 3,011.8 | 2,017.6 | 1,626.4 | 1,103.8 | 940.5 | 1,024.5 | 718.1 | 501.6 | 420.2 | 470.6 | 450.1 | 69.3 |
| Operating Profit(Excl OI) | 19,764.6 | 16,993.5 | 17,868.0 | 18,115.3 | 16,294.7 | 13,936.0 | 13,214.3 | 11,891.7 | 10,439.2 | 9,016.0 | 7,350.3 | 5,833.8 | 829.0 |
| Add: Other Income | 14.3 | 31.0 | 3.8 | 5.0 | 3.1 | 1.6 | 166.8 | 135.2 | 189.4 | 164.4 | 123.3 | 111.6 | 40.5 |
| Operating Profit | 19,764.6 | 16,993.5 | 17,868.0 | 18,115.3 | 16,294.7 | 13,936.0 | 13,214.3 | 11,891.7 | 10,439.2 | 9,016.0 | 7,350.3 | 5,833.8 | 829.0 |
| Less: Interest | 16,134.8 | 14,151.1 | 14,450.4 | 14,782.0 | 12,891.0 | 11,143.8 | 10,231.4 | 9,306.6 | 8,310.2 | 7,174.4 | 5,924.6 | 4,591.1 | 644.5 |
| PBDT | 3,629.8 | 2,842.5 | 3,417.6 | 3,333.3 | 3,403.7 | 2,792.2 | 2,982.9 | 2,585.1 | 2,129.0 | 1,841.7 | 1,425.8 | 1,242.7 | 184.5 |
| Less: Depreciation | 69.0 | 55.2 | 52.5 | 51.1 | 11.9 | 10.2 | 9.7 | 10.0 | 9.7 | 7.8 | 7.7 | 7.6 | 1.3 |
| PBT & Exceptional Items | 3,560.8 | 2,787.3 | 3,365.1 | 3,282.2 | 3,391.8 | 2,782.0 | 2,973.2 | 2,575.1 | 2,119.3 | 1,833.9 | 1,418.0 | 1,235.1 | 183.2 |
| Less: Exceptional Income Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Profit Before Tax | 3,560.8 | 2,787.3 | 3,365.1 | 3,282.2 | 3,391.8 | 2,782.0 | 2,973.2 | 2,575.1 | 2,119.3 | 1,833.9 | 1,418.0 | 1,235.1 | 183.2 |
| Less: Taxation | 669.6 | 501.3 | 624.0 | 878.5 | 957.4 | 773.8 | 1,031.4 | 907.4 | 721.8 | 512.4 | 364.0 | 318.8 | 35.6 |
| Profit After Tax | 2,891.2 | 2,286.0 | 2,741.1 | 2,403.7 | 2,434.4 | 2,008.2 | 1,941.8 | 1,667.6 | 1,397.5 | 1,321.4 | 1,054.0 | 916.3 | 147.7 |
| Earnings Per Share | 52.6 | 41.6 | 54.3 | 47.5 | 48.2 | 39.9 | 0.4 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.0 |
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Financial Statement Analysis
PE Ratio
The Industry PE Ratio stands at 19.24, vs the PE Ratio of 7.88, which results in a Negative aspect.
Dividend Yield
The Industry Dividend Yield stands at 1.44, vs the Dividend Yield of 1.32, which results in a Negative aspect.
PAT Growth
The Industry PAT Growth stands at 13.36, vs the PAT Growth of -1.26, which results in a Negative aspect.
PAT Margin
The Industry PAT Margin stands at 18.60, vs the PAT Margin of 12.18, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit Before Tax | 3,560.8 | 2,787.3 | 3,365.1 | 3,282.2 | 3,391.8 | 2,782.0 | 2,867.6 | 2,575.1 | 2,119.3 | 1,833.9 | 1,418.0 | 1,235.1 |
| Tax Paid | -1,053.8 | -1,093.3 | -632.8 | -1,016.5 | -1,065.9 | -955.7 | -1,026.5 | -737.0 | -586.2 | -526.3 | -388.0 | -365.9 |
| Adjustment | 1,571.4 | 1,469.2 | 986.0 | -347.3 | -174.0 | 1,053.8 | 1,333.2 | 972.3 | 421.5 | 558.5 | 562.7 | 156.3 |
| Changes In Working Capital | 3,560.8 | 2,787.3 | 3,365.1 | 3,282.2 | 3,391.8 | 2,782.0 | 2,867.6 | 2,575.1 | 2,119.3 | 1,833.9 | 1,418.0 | 1,235.1 |
| Cash Flow after changes in Working Capital | 5,355.4 | 3,462.1 | 5,242.6 | -3,376.4 | 5,336.6 | 3,570.9 | 6,157.7 | 4,539.3 | 3,283.5 | 2,528.4 | 2,571.3 | 730.6 |
| Cash Flow from Operating Activities | -19,632.4 | -16,729.3 | -17,140.3 | -14,737.7 | -21,538.5 | -18,977.0 | -14,273.2 | -13,039.4 | -14,345.4 | -11,522.8 | -12,578.1 | -11,620.7 |
| Cash Flow from Investing Activities | -799.2 | -1,628.2 | 858.2 | -1,851.4 | -1,642.3 | 1,368.0 | -277.7 | -57.6 | -57.7 | -1.5 | -26.8 | -21.3 |
| Cash Flow from Financing Activities | 20,248.7 | 17,850.3 | 16,244.6 | 15,155.5 | 24,068.3 | 18,074.4 | 15,072.1 | 14,097.5 | 14,231.6 | 13,048.2 | 12,466.8 | 11,541.7 |
| Net Cash Inflow / Outflow | -183.0 | -507.2 | -37.4 | -1,433.6 | 887.5 | 465.3 | 521.2 | 1,000.5 | -171.4 | 1,523.8 | -138.2 | -100.4 |
| Opening Cash & Cash Equivalents | 824.4 | 1,331.9 | 1,369.3 | 2,802.9 | 1,915.4 | 1,450.1 | 3,773.8 | 2,773.3 | 2,944.7 | 1,420.9 | 1,559.1 | 1,659.5 |
| Closing Cash & Cash Equivalent | 641.4 | 824.4 | 1,331.9 | 1,369.3 | 2,802.9 | 1,915.4 | 4,295.1 | 3,773.8 | 2,773.3 | 2,944.7 | 1,420.9 | 1,559.1 |
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Financial Statement Analysis
PFCF Ratio
The Industry PFCF Ratio stands at 12.11, vs the PFCF Ratio of -3.07, which results in a Negative aspect.
PCF RATIO
The Industry PCF RATIO stands at -9.62, vs the PCF RATIO of -0.81, which results in a Positive aspect.
| Particulars | Sep 2024 | Jun 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 69,377.2 | 67,968.5 | 68,041.9 | 67,654.4 | 67,591.3 | 64,311.2 | 58,901.5 | 50,963.5 | 52,962.8 | 53,278.7 | 50,642.7 | 47,176.5 | 48,645.7 | 49,818.4 | 49,110.3 | 49,773.4 | 50,115.0 | 49,352.0 |
| Total Income | 69,383.1 | 67,968.5 | 68,041.9 | 67,658.7 | 67,591.3 | 64,312.3 | 58,959.4 | 51,014.0 | 53,025.0 | 53,364.8 | 50,786.8 | 47,229.3 | 48,672.2 | 49,799.1 | 49,266.5 | 49,876.4 | 49,860.1 | 49,035.4 |
| Total Expenditure | 3,720.6 | 3,918.3 | 6,856.4 | 6,697.6 | 6,017.9 | 5,815.5 | 10,693.0 | 8,114.2 | 5,042.3 | 4,563.9 | 5,518.2 | 8,922.7 | 11,113.1 | 12,127.6 | 3,483.7 | 2,638.5 | 1,872.6 | 2,917.7 |
| PBIDT (Excl OI) | 65,656.6 | 64,050.2 | 61,185.5 | 60,956.8 | 61,573.4 | 58,495.7 | 48,208.5 | 42,849.3 | 47,920.5 | 48,714.8 | 45,124.5 | 38,253.8 | 37,532.6 | 37,690.8 | 45,626.6 | 47,134.9 | 48,242.4 | 46,434.3 |
| Other Income | 5.9 | 0.0 | 0.0 | 4.3 | 0.0 | 1.1 | 57.9 | 50.5 | 62.2 | 86.1 | 144.1 | 52.8 | 26.5 | -19.3 | 156.2 | 103.0 | -254.9 | -316.6 |
| Operating Profit | 65,662.5 | 64,050.2 | 61,185.5 | 60,961.1 | 61,573.4 | 58,496.8 | 48,266.4 | 42,899.8 | 47,982.7 | 48,800.9 | 45,268.6 | 38,306.6 | 37,559.1 | 37,671.5 | 45,782.8 | 47,237.9 | 47,987.5 | 46,117.7 |
| Interest | 48,786.1 | 47,493.2 | 46,459.2 | 45,999.1 | 44,931.1 | 43,775.0 | 42,320.9 | 38,858.1 | 36,393.5 | 35,511.2 | 35,456.8 | 35,051.5 | 35,491.4 | 33,922.0 | 35,944.1 | 36,998.6 | 37,639.1 | 37,637.3 |
| Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| PBDT | 16,876.4 | 16,557.0 | 14,726.3 | 14,962.0 | 16,642.3 | 14,721.8 | 5,945.5 | 4,041.7 | 11,589.2 | 13,289.7 | 9,811.8 | 3,255.1 | 2,067.7 | 3,749.5 | 9,838.7 | 10,239.3 | 10,348.4 | 8,480.4 |
| Depreciation | 239.4 | 225.0 | 183.1 | 131.6 | 194.0 | 194.1 | 173.8 | 160.0 | 162.5 | 149.9 | 136.1 | 135.8 | 130.0 | 124.8 | 137.9 | 131.3 | 130.7 | 151.1 |
| Profit Before Tax | 16,637.0 | 16,332.0 | 14,543.2 | 14,830.4 | 16,448.3 | 14,527.7 | 5,771.7 | 3,881.7 | 11,426.7 | 13,139.8 | 9,675.7 | 3,119.3 | 1,937.7 | 3,624.7 | 9,700.8 | 10,108.0 | 10,217.7 | 8,329.3 |
| Tax | 3,372.4 | 3,290.7 | 2,877.2 | 2,911.8 | 3,257.9 | 2,618.9 | 1,152.0 | 767.3 | 2,157.8 | 2,002.3 | 1,962.5 | 620.7 | 427.0 | -224.6 | 2,489.7 | 2,211.3 | 1,976.9 | 4,086.2 |
| Provisions and contingencies | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Profit After Tax | 13,264.6 | 13,041.3 | 11,666.0 | 11,918.6 | 13,190.4 | 11,908.8 | 4,619.7 | 3,114.4 | 9,268.9 | 11,137.5 | 7,713.2 | 2,498.6 | 1,510.7 | 3,849.3 | 7,211.1 | 7,896.7 | 8,240.8 | 4,243.1 |
| Net Profit | 13,264.6 | 13,041.3 | 11,666.0 | 11,918.6 | 13,190.4 | 11,908.8 | 4,619.7 | 3,114.4 | 9,268.9 | 11,137.5 | 7,713.2 | 2,498.6 | 1,510.7 | 3,849.3 | 7,211.1 | 7,896.7 | 8,240.8 | 4,243.1 |
| ADDITIONAL INFOS: | ||||||||||||||||||
| Equity Capital | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,100.8 | 1,009.9 | 1,009.9 | 1,009.3 | 1,009.3 | 1,009.3 | 1,009.3 |
| Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| EPS | 24.1 | 23.8 | 21.2 | 21.7 | 24.0 | 21.7 | 8.4 | 5.7 | 16.9 | 21.0 | 15.3 | 4.5 | 3.0 | 7.6 | 14.3 | 15.7 | 16.3 | 8.4 |
| Operating Profit Margin | 94.6 | 94.2 | 89.9 | 90.1 | 91.1 | 91.0 | 81.9 | 84.2 | 90.6 | 91.6 | 89.4 | 81.2 | 77.2 | 75.6 | 93.2 | 94.9 | 95.8 | 93.4 |
| Net Profit Margin | 19.1 | 19.2 | 17.1 | 17.6 | 19.5 | 18.5 | 7.8 | 6.1 | 17.5 | 20.9 | 15.2 | 5.3 | 3.1 | 7.7 | 14.7 | 15.9 | 16.4 | 8.6 |
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Financial Statement Analysis
Mcap Growth
The Industry Mcap Growth stands at 12.28, vs the Mcap Growth of -55.91, which results in a Negative aspect.
Net Sales Growth
The Industry Net Sales Growth stands at 12.09, vs the Net Sales Growth of 13.46, which results in a Positive aspect.
Technicals
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Pivot Levels
Pivot Levels Check Advanced Levels ![]()
| Type | Classic | Woodie | Camarilla |
|---|---|---|---|
| R4 | 631.25 | 659.48 | 595.73 |
| R3 | 621.48 | 619.00 | 588.99 |
| R2 | 611.72 | 610.48 | 586.74 |
| R1 | 596.98 | 594.50 | 584.50 |
| Pivot | 587.22 | 585.98 | 587.22 |
| S1 | 572.48 | 570.00 | 580.00 |
| S2 | 562.72 | 561.48 | 577.76 |
| S3 | 547.98 | 545.50 | 575.51 |
| S4 | 533.25 | 512.48 | 568.78 |
(All Values are in INR)
The Pivot level gives the user an indication about key support & resistance levels for a selected stock.
EMA & SMA Levels 
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Beta
Beta 1 Day
1.56
1 Week
1.57
1 Month
1.57
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Indicators
Stoch RSI
100.00
Bearish
RSI
65.63
Neutral
ROC
-8.84
Bearish
UltimateOscillator
33.68
Neutral
Williams Indicator
-93.28
Bullish
CCI Indicator
-170.58
Bullish
MACD
-2,472.87
Bearish
Stochastic Indicator
8.51
Neutral
ATR
21.80
Low Volatility
Corporate Actions
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Corporate Actions - Board Meet
Corporate Actions - Board Meet | Ex-Date | Ratio | Record Date |
|---|
| Ex-Date | Ratio | Record Date |
|---|---|---|
| Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
|---|---|---|---|
| 18-08-2023 | 8.50 | 425 | Final |
| 19-09-2022 | 8.50 | 425 | Final |
| 16-09-2021 | 8.50 | 425 | Final |
| Date Of Conduct | Board Meeting Details |
|---|---|
| 28-10-2024 | Quarterly Results |
| 07-03-2024 | Inter-alia for the following purposes: a. To consider, approve and Borrowing budget for Financial Year 2024-2025 tlu:ough Loans and/ or Issue of Redeemable Non-Convertible Debentures / Zero Couponed Bonds/ Subordinate Debt / Upper Tier II Bonds / Commercial Paper / External Commercial Borrowing / Bonds/Foreign Currency Bond/ Securitization by private placement/Public Issue, Refinance from NHB in one or more tranches, Deposits from Public, Corporate, trusts etc. |
| 02-02-2024 | Quarterly Results |
| 01-11-2023 | Quarterly Results |
| 03-08-2023 | Quarterly Results |
| 16-05-2023 | Audited Results & Final Dividend Inter-alia for the following purposes: a) The borrowing budget for Financial Year 2023-2024 b) The amendment in Articles of Association in compliance to SEBI (Issue and Listing of Non-Convertible Securities) (Amendment) Regulations, 2023 |
| 06-02-2023 | Quarterly Results |
| 01-11-2022 | Quarterly Results |
| 04-08-2022 | Quarterly Results |
| 18-05-2022 | Dividend & Audited Results |
| 27-01-2022 | Quarterly Results (Revised) |
| 19-01-2022 | Quarterly Results |
| 21-10-2021 | Quarterly Results |
| 29-07-2021 | Quarterly Results & Inter alia, to consider and approve: 2) Determination of the date of Annual General Meeting along with the date of Book closure date for the purpose of determining the eligibility of the members for the dividend payment. |
| 15-06-2021 | Dividend & Audited Results |