LIC Housing Finance Ltd

LIC Housing Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

LIC Housing Finance Ltd

₹ 614 0.49%
22 Nov 9:26 a.m.
lichousing.com BSE: 500253 NSE: LICHSGFIN
About

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)

Key Points

Largest HFC
The company is the largest housing finance company in India with a total loan portfolio of Rs. ~2,87,000 Cr in FY24 vs Rs. ~2,10,000 Cr in FY20. [1] [2]

Website BSE NSE
  • Market Cap ₹ 33,782 Cr.
  • Current Price ₹ 614
  • High / Low ₹ 827 / 453
  • Stock P/E 6.93
  • Book Value ₹ 609
  • Dividend Yield 1.47 %
  • ROCE 8.79 %
  • ROE 16.3 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.00 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.42% over past five years.
  • Company has a low return on equity of 12.8% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of BSE 400 MidSmallCap Index BSE Diversified Financials Revenue Growth Index (I Nifty 200 Nifty Financial Services Nifty Dividend Opportunities 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 4,708 5,054 5,300 5,285 5,086 5,871 6,415 6,747 6,753 6,792 6,936 6,784 6,926
Interest 3,506 3,546 3,559 3,658 3,900 4,241 4,388 4,494 4,600 4,646 4,650 4,750 4,880
887 549 421 478 798 1,026 564 585 666 680 793 384 365
Financing Profit 315 959 1,320 1,150 388 604 1,463 1,667 1,486 1,466 1,493 1,650 1,681
Financing Margin % 7% 19% 25% 22% 8% 10% 23% 25% 22% 22% 22% 24% 24%
7 16 9 6 6 5 0 0 6 0 0 0 6
Depreciation 13 13 14 15 16 16 19 18 12 17 17 22 23
Profit before tax 309 962 1,314 1,140 379 593 1,445 1,649 1,480 1,449 1,476 1,628 1,664
Tax % 20% 20% 15% 19% 20% 19% 18% 20% 20% 20% 26% 20% 20%
248 767 1,119 925 305 480 1,180 1,324 1,188 1,163 1,091 1,300 1,329
EPS in Rs 4.51 13.95 20.34 16.82 5.54 8.73 21.46 24.06 21.60 21.14 19.83 23.64 24.16
Gross NPA % 5.14% 5.14% 5.35% 4.96% 4.91% 4.76% 4.49% 4.98% 4.33% 4.26% 3.55% 3.29% 3.05%
Net NPA % 2.98% 3.20% 3.72% 3.01% 2.83% 2.40% 2.70% 2.99% 2.59% 2.24% 1.94% 1.68% 1.57%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 7,647 9,301 10,782 12,474 14,072 14,841 17,364 19,703 19,853 19,926 22,663 27,234 27,438
Interest 5,925 7,174 8,310 9,307 10,231 11,144 12,892 14,784 14,453 14,177 16,186 18,391 18,926
353 327 377 605 884 921 1,082 1,569 1,997 2,945 2,866 2,725 2,222
Financing Profit 1,370 1,800 2,095 2,561 2,957 2,775 3,391 3,350 3,403 2,803 3,611 6,119 6,290
Financing Margin % 18% 19% 19% 21% 21% 19% 20% 17% 17% 14% 16% 22% 23%
11 34 16 12 8 0 0 -33 -5 28 12 1 6
Depreciation 8 8 9 10 9 10 12 48 49 52 66 65 79
Profit before tax 1,374 1,826 2,102 2,564 2,956 2,766 3,380 3,269 3,349 2,778 3,557 6,054 6,218
Tax % 26% 28% 34% 35% 35% 28% 28% 27% 18% 18% 19% 21%
1,023 1,317 1,386 1,661 1,931 2,002 2,431 2,402 2,734 2,287 2,891 4,765 4,883
EPS in Rs 20.28 26.10 27.47 32.91 38.26 39.68 48.17 47.59 54.18 41.58 52.56 86.63 88.77
Dividend Payout % 19% 17% 18% 17% 16% 17% 16% 17% 16% 20% 16% 10%
Compounded Sales Growth
10 Years: 11%
5 Years: 9%
3 Years: 11%
TTM: 6%
Compounded Profit Growth
10 Years: 14%
5 Years: 14%
3 Years: 20%
TTM: 17%
Stock Price CAGR
10 Years: 4%
5 Years: 8%
3 Years: 15%
1 Year: 34%
Return on Equity
10 Years: 15%
5 Years: 13%
3 Years: 13%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 101 101 101 101 101 101 101 101 101 110 110 110 110
Reserves 6,380 7,432 7,717 9,045 10,976 14,140 16,158 18,092 20,420 24,562 26,990 31,285 33,414
68,764 82,036 96,532 110,931 126,337 150,914 170,667 191,458 207,983 223,801 244,950 252,662 257,732
5,315 6,208 8,195 10,421 13,486 5,934 13,657 7,155 7,129 6,094 6,362 7,148 7,942
Total Liabilities 80,560 95,777 112,545 130,498 150,900 171,090 200,583 216,806 235,633 254,567 278,412 291,205 299,198
62 76 80 92 97 97 136 254 243 286 356 361 368
CWIP 0 0 0 0 0 0 0 0 4 1 1 0 0
Investments 185 199 237 277 527 1,972 3,595 5,496 4,636 6,199 6,976 6,277 6,222
80,313 95,502 112,228 130,129 150,277 169,021 196,853 211,055 230,751 248,081 271,079 284,567 292,608
Total Assets 80,560 95,777 112,545 130,498 150,900 171,090 200,583 216,806 235,633 254,567 278,412 291,205 299,198

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-12,586 -11,503 -14,354 -13,036 -14,279 -19,005 -21,529 -14,715 -17,195 -16,740 -19,612 -7,055
-27 -21 -51 -61 -283 1,380 -1,656 -1,879 884 -1,601 -830 573
12,466 13,048 14,231 14,098 15,073 18,085 24,078 15,158 16,274 17,835 20,239 7,300
Net Cash Flow -146 1,525 -174 1,001 511 460 893 -1,436 -37 -507 -203 818

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 17% 19% 18% 20% 19% 16% 16% 14% 14% 10% 11% 16%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24% 45.24%
23.46% 23.03% 20.67% 20.97% 19.32% 17.66% 17.15% 21.21% 21.91% 22.59% 23.19% 21.95%
14.92% 16.23% 19.22% 20.68% 22.74% 24.18% 25.03% 21.51% 21.76% 21.99% 21.22% 20.53%
16.38% 15.50% 14.88% 13.10% 12.70% 12.92% 12.56% 12.03% 11.09% 10.18% 10.36% 12.29%
No. of Shareholders 4,16,1464,52,1334,42,3593,77,7013,64,7853,62,9743,49,1733,24,8143,05,8622,97,8993,03,9613,61,857

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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Annual reports

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