LIC Housing Finance Ltd.
NSE: LICHSGFIN · Housing Finance Company
Snapshot
Unlock LIC Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
LIC Housing Finance Limited is a prominent Indian housing finance company that provides home loans to individuals, pensioners, and non-residents, alongside construction finance for developers. The company also offers diversified financial services including loans against property, venture capital management, and the distribution of insurance and mutual fund products.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio, which includes residential mortgages, corporate term loans, and loans against securities. It further supplements its income through fee-based services, including the management of alternative investment funds and the marketing of third-party financial products.
Growth Outlook
Growth is driven by the sustained demand for affordable and residential housing across India, supported by an extensive network of marketing offices and direct sales agents. The company continues to leverage its strong brand association with LIC to penetrate deeper into the retail mortgage market.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses from defaults on home loans and construction finance, particularly during economic downturns.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the real estate sector could adversely affect business operations.
- Asset-Liability Mismatch. The company is exposed to liquidity risks arising from the maturity mismatch between long-term housing loans and short-term funding sources.
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Key Metrics
REVENUE
₹28,683 Cr
TTM · consolidated
NET PROFIT
₹5,739 Cr
TTM · consolidated
EPS
₹104.33
TTM · consolidated
RETURN ON EQUITY
14.8%
TTM · consolidated
P/E
5.4x
Q1 FY27 · consolidated
EBITDA MARGIN
94.4%
TTM · consolidated
NET PROFIT MARGIN
21.2%
Q1 FY27 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
LIC Housing Finance Ltd.LICHSGFIN | ₹30,916 Cr | 5.39 | — | 0.4% | 94.4% | 14.8% | 6.9% | +1.4% |
PNB Housing Finance Ltd.PNBHOUSING | ₹30,385 Cr | 13.12 | 8.37 | 9.8% | 94.0% | 12.8% | 9.9% | +49.0% |
Aadhar Housing Finance Ltd.AADHARHFC | ₹21,146 Cr | 18.40 | — | 17.7% | 76.6% | 16.4% | — | -4.5% |
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
As of Q1 FY27
Financials
LIC Housing Finance Ltd.
NSE: LICHSGFIN · Housing Finance Company
Snapshot
Unlock LIC Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
LIC Housing Finance Limited is a prominent Indian housing finance company that provides home loans to individuals, pensioners, and non-residents, alongside construction finance for developers. The company also offers diversified financial services including loans against property, venture capital management, and the distribution of insurance and mutual fund products.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio, which includes residential mortgages, corporate term loans, and loans against securities. It further supplements its income through fee-based services, including the management of alternative investment funds and the marketing of third-party financial products.
Growth Outlook
Growth is driven by the sustained demand for affordable and residential housing across India, supported by an extensive network of marketing offices and direct sales agents. The company continues to leverage its strong brand association with LIC to penetrate deeper into the retail mortgage market.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses from defaults on home loans and construction finance, particularly during economic downturns.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the real estate sector could adversely affect business operations.
- Asset-Liability Mismatch. The company is exposed to liquidity risks arising from the maturity mismatch between long-term housing loans and short-term funding sources.
Start your research today
Unlock AI insights, financials, peers and live data on LIC Housing Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹28,683 Cr
TTM · consolidated
NET PROFIT
₹5,739 Cr
TTM · consolidated
EPS
₹104.33
TTM · consolidated
RETURN ON EQUITY
14.8%
TTM · consolidated
P/E
5.4x
Q1 FY27 · consolidated
EBITDA MARGIN
94.4%
TTM · consolidated
NET PROFIT MARGIN
21.2%
Q1 FY27 · consolidated
Peers · Housing Finance Company
As of Q1 FY27