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

₹ 611 -0.84%
21 Nov - close price
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 ₹ 33,674 Cr.
  • Current Price ₹ 611
  • High / Low ₹ 827 / 452
  • Stock P/E 6.89
  • Book Value ₹ 611
  • Dividend Yield 1.47 %
  • ROCE 8.79 %
  • ROE 16.2 %
  • 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 9.41% over past five years.
  • Company has a low return on equity of 12.7% 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

Consolidated Figures in Rs. Crores / View Standalone

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 4,718 5,064 5,328 5,296 5,096 5,890 6,431 6,759 6,765 6,804 6,948 6,797 6,938
Interest 3,505 3,546 3,551 3,639 3,886 4,232 4,378 4,493 4,600 4,646 4,649 4,749 4,879
892 552 456 504 811 1,069 582 602 670 686 799 392 372
Financing Profit 320 967 1,320 1,153 399 589 1,472 1,664 1,496 1,473 1,500 1,656 1,687
Financing Margin % 7% 19% 25% 22% 8% 10% 23% 25% 22% 22% 22% 24% 24%
5 14 9 6 5 6 0 0 0 0 0 2 2
Depreciation 14 14 15 16 16 17 19 19 13 18 18 22 24
Profit before tax 312 968 1,314 1,143 388 577 1,453 1,645 1,483 1,454 1,482 1,635 1,665
Tax % 20% 20% 15% 19% 20% 20% 18% 20% 20% 20% 27% 20% 20%
250 771 1,114 926 313 462 1,191 1,319 1,192 1,169 1,082 1,306 1,328
EPS in Rs 4.54 14.02 20.25 16.84 5.69 8.40 21.65 23.98 21.67 21.25 19.67 23.75 24.14
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 7,735 9,339 10,812 12,491 14,092 14,876 17,398 19,740 19,886 19,978 22,717 27,277 27,487
Interest 5,925 7,174 8,310 9,307 10,231 11,144 12,891 14,781 14,450 14,151 16,135 18,385 18,923
396 357 390 611 887 940 1,104 1,592 2,012 3,012 2,964 2,759 2,249
Financing Profit 1,414 1,808 2,112 2,573 2,974 2,792 3,404 3,367 3,423 2,815 3,618 6,133 6,315
Financing Margin % 18% 19% 20% 21% 21% 19% 20% 17% 17% 14% 16% 22% 23%
11 34 17 12 9 0 0 -33 -5 27 11 0 5
Depreciation 8 8 10 10 10 10 12 51 52 55 69 69 83
Profit before tax 1,418 1,834 2,119 2,575 2,973 2,782 3,392 3,282 3,365 2,787 3,561 6,064 6,237
Tax % 26% 28% 34% 35% 35% 28% 28% 27% 19% 18% 19% 22%
1,048 1,319 1,396 1,668 1,942 2,008 2,434 2,404 2,741 2,286 2,891 4,760 4,885
EPS in Rs 20.76 26.12 27.65 33.05 38.49 39.79 48.23 47.62 54.31 41.55 52.55 86.52 88.81
Dividend Payout % 18% 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: 16%
1 Year: 34%
Return on Equity
10 Years: 14%
5 Years: 13%
3 Years: 13%
Last Year: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 6,432 7,485 7,779 9,114 11,055 14,210 16,230 18,164 20,500 24,641 27,075 31,367 33,502
68,764 82,036 96,532 110,931 126,337 150,913 170,657 191,428 207,925 223,757 244,913 252,618 257,685
5,350 6,240 8,218 10,441 13,504 6,004 13,719 7,227 7,195 6,179 6,461 7,239 8,019
Total Liabilities 80,647 95,862 112,630 130,587 150,997 171,228 200,707 216,920 235,721 254,687 278,559 291,334 299,315
73 86 90 102 102 129 168 294 282 315 388 389 396
CWIP 0 0 0 0 5 3 2 3 6 4 1 0 0
Investments 195 194 241 280 537 2,008 3,617 5,485 4,644 6,279 7,050 6,337 6,276
80,379 95,581 112,298 130,204 150,352 169,088 196,920 211,138 230,789 248,088 271,120 284,607 292,643
Total Assets 80,647 95,862 112,630 130,587 150,997 171,228 200,707 216,920 235,721 254,687 278,559 291,334 299,315

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-12,578 -11,523 -14,345 -13,039 -14,273 -18,977 -21,538 -14,738 -17,140 -16,729 -19,632 -7,151
-27 -2 -58 -58 -278 1,368 -1,642 -1,851 858 -1,629 -800 587
12,467 13,048 14,232 14,098 15,072 18,074 24,068 15,156 16,245 17,850 20,249 7,346
Net Cash Flow -138 1,524 -171 1,001 521 465 887 -1,434 -37 -508 -183 781

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Announcements

Annual reports

Credit ratings

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