LICHSGFIN - Lic Housing Finance Ltd. Share Price

Finance

₹579.95+4.45(+0.77%)

Market Closed as of Aug 7, 2025, 15:30 IST

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Valuation
Market Cap	31.37 kCr
Price/Earnings (Trailing)	5.7
Price/Sales (Trailing)	1.1
EV/EBITDA	1.12
Price/Free Cashflow	-1.88
MarketCap/EBT	4.52
Enterprise Value	30.08 kCr

Fundamentals
Revenue (TTM)	28.56 kCr
Rev. Growth (Yr)	6.7%
Earnings (TTM)	5.5 kCr
Earnings Growth (Yr)	4.4%

Profitability
Operating Margin	24%
EBT Margin	24%
Return on Equity	15.13%
Return on Assets	1.75%
Free Cashflow Yield	-53.18%

Price to Sales Ratio

Latest reported: 1

Revenue (Last 12 mths)

Latest reported: 29 kCr

Net Income (Last 12 mths)

Latest reported: 6 kCr

Growth & Returns
Price Change 1W	-1%
Price Change 1M	-4.2%
Price Change 6M	0.30%
Price Change 1Y	-9%
3Y Cumulative Return	15.1%
5Y Cumulative Return	17.4%
7Y Cumulative Return	0.50%
10Y Cumulative Return	1.4%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-938.54 Cr
Cash Flow from Operations (TTM)	-16.61 kCr
Cash Flow from Financing (TTM)	17.41 kCr
Cash & Equivalents	1.29 kCr
Free Cash Flow (TTM)	-16.68 kCr
Free Cash Flow/Share (TTM)	-303.28

Balance Sheet
Total Assets	3.14 LCr
Total Liabilities	2.78 LCr
Shareholder Equity	36.36 kCr
Net PPE	153.88 Cr
Inventory	0.00
Goodwill	21 L

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.65
Interest/Cashflow Ops	0.16

Dividend & Shareholder Returns
Dividend/Share (TTM)	9
Dividend Yield	1.43%
Shares Dilution (1Y)	0.00%
Shares Dilution (3Y)	0.00%

Risk & Volatility
Max Drawdown	-24.2%
Drawdown Prob. (30d, 5Y)	42.31%
Risk Level (5Y)	45.1%

Pros

Profitability: Very strong Profitability. One year profit margin are 19%.

Past Returns: In past three years, the stock has provided 15.1% return compared to 12% by NIFTY 50.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Smart Money: Smart money has been increasing their position in the stock.

Size: Market Cap wise it is among the top 20% companies of india.

Cons

Momentum: Stock is suffering a negative price momentum. Stock is down -4.2% in last 30 days.

Technicals: SharesGuru indicator is Bearish.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Dividend Yield	1.43%
Dividend/Share (TTM)	9
Shares Dilution (1Y)	0.00%
Earnings/Share (TTM)	100

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	24.03
RSI (5d)	37.44
RSI (21d)	40.72
MACD Signal	Sell
Stochastic Oscillator Signal	Hold
Grufity Signal	Sell
RSI Signal	Buy
RSI5 Signal	Hold
RSI21 Signal	Hold
SMA 5 Signal	Sell
SMA 10 Signal	Sell
SMA 20 Signal	Sell
SMA 50 Signal	Sell
SMA 100 Signal	Sell

Latest News and Updates from Lic Housing Finance

Updated May 4, 2025

The Bad News

Source-Mint

LIC Housing Finance's stock is trading 1.06% lower at Rs 600.75, reflecting a slight decline in recent days.

Source-Mint

The stock has seen a decline of 2.08% in the last 5 days, despite a 0.48% increase this year.

Source-Mint

Analysts show mixed ratings with some recommending sells, which could impact investor confidence.

The Good News

Source-News24

LIC Housing Finance has reduced its home loan interest rates by 25 basis points to 8%, benefiting borrowers.

Source-India Infoline

The company reported a revenue increase to Rs 22,656.95 crore in fiscal year 2022-23, indicating growth.

Source-India Infoline

LIC Housing Finance's loan portfolio has exceeded Rs 2.75 lakh crore, highlighting its market strength.

Updates from Lic Housing Finance

Analyst / Investor Meet • 06 Aug 2025

Transcript of con.call

Analyst / Investor Meet • 04 Aug 2025

Disclosure in terms of Regulation 46 (2) (oa) of SEBI (LODR) regulations, 2015 to the uploading of the Audio or video recordings and transcripts of post earnings calls on the website of the Company.

Change in Registered Office Address • 01 Aug 2025

Disclosure of change of Registered office address

Press Release / Media Release • 01 Aug 2025

Press Release for Q1

Investor Presentation • 01 Aug 2025

Investor Presentation for Q1 FY 2024-25

Analyst / Investor Meet • 29 Jul 2025

We refer to our intimation dated July 23 , 2025, inter alia, informing about the meeting of the Board of Directors of the Company scheduled to be held on Friday, August 1, 2025, to consider ....

Analyst / Investor Meet • 29 Jul 2025

We refer to our intimation dated July 23 , 2025, inter alia, informing about the meeting of the Board of Directors of the Company scheduled to be held on Friday, August 1, 2025, to consider ....

This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.

Summary of Latest Earnings Report from Lic Housing Finance

Summary of Lic Housing Finance's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated:

Q&A Session

Last updated:

Revenue Breakdown

Analysis of Lic Housing Finance's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Jun 30, 2025

Description	Share	Value
SEGMENT REVENUE	100.0%	7.2 kCr
Total		7.2 kCr

Share Holdings

Understand Lic Housing Finance ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
ICICI PRUDENTIAL VALUE DISCOVERY FUND	3.96%
KOTAK MAHINDRA TRUSTEE CO LTD A/C KOTAK SPECIAL OPPORTUNITIES FUND	3.95%
MIRAE ASSET NIFTY500 MULTICAP 50:25:25 ETF	2.42%
GOVERNMENT PENSION FUND GLOBAL	2.29%
BANK MUSCAT INDIA FUND	2.09%
ADITYA BIRLA SUN LIFE TRUSTEE PRIVATE LIMITED A/C ADITYA BIRLA SUN LIFE PSU EQUITY FUND	1.3%
HDFC LIFE INSURANCE COMPANYLIMITED -SHAREHOLDERS SOLVENCY MARGIN ACCOUNT	1.27%
HDFC TRUSTEE COMPANY LTD. A/C HDFC BALANCED ADVANTAGE FUND	1.08%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is Lic Housing Finance Better than it's peers?

Detailed comparison of Lic Housing Finance against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj Finance	5.46 LCr	73.15 kCr	-5.20%	+32.40%	18.05	7.47	-	-
PNBHOUSING	PNB Housing Finance	19.88 kCr	7.94 kCr	-29.80%	-5.60%	9.75	2.5	-	-
AAVAS	AAVAS Financiers	13.34 kCr	2.36 kCr	-14.60%	+3.20%	23.22	5.65	-	-
CANFINHOME	Can Fin Homes	9.88 kCr	3.97 kCr	-9.00%	-5.80%	11.21	2.49	-	-
REPCOHOME	Repco Home Finance	2.5 kCr	1.72 kCr	-8.20%	-18.30%	5.42	1.45	-	-

Sector Comparison: LICHSGFIN vs Finance

Comprehensive comparison against sector averages

Comparative Metrics

LICHSGFIN metrics compared to Finance

Category	LICHSGFIN	Finance
PE	5.70	19.33
PS	1.10	3.36
Growth	4.6 %	7.6 %

Performance Comparison

LICHSGFIN vs Finance (2021 - 2025)

Key Insights

1. LICHSGFIN is among the Top 3 Housing Finance Company companies by market cap.
2. The company holds a market share of 39.3% in Housing Finance Company.
3. In last one year, the company has had a below average growth that other Housing Finance Company companies.

Income Statement for Lic Housing Finance

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	3.1%	28,111	27,278	22,728	20,005	19,880	19,707
Revenue From Operations	3.1%	28,110	27,277	22,714	19,974	19,882	19,736
Total interest earned	2.3%	27,689	27,067	22,546	19,718	19,709	19,614
Fees and commission income	-4.5%	64	67	67	118	99	59
Revenue from sale of product	-	0	0	0	0	0	8.82
Other revenue from operations	400%	276	56	26	119	63	47
Other income	-123.5%	0.62	0.83	14	31	-1.48	-29.22
Total Expenses	0.1%	21,235	21,213	19,167	17,218	16,515	16,425
Cost of Materials	-	0	0	0	20	1.03	4.69
Employee Expense	16.2%	755	650	516	602	324	328
Finance costs	6.2%	19,528	18,385	16,135	14,151	14,450	14,781
Depreciation and Amortization	42.6%	98	69	69	55	52	51
Fees and commission expenses	-18.5%	111	136	183	114	88	47
Impairment on financial instruments	-82.7%	286	1,644	1,943	1,988	1,318	952
Other expenses	38.6%	457	330	322	254	254	213
Profit Before exceptional items and Tax	13.4%	6,876	6,064	3,561	2,787	3,365	3,282
Total profit before tax	13.4%	6,876	6,064	3,561	2,787	3,365	3,282
Current tax	2.6%	1,073	1,046	1,196	952	946	838
Deferred tax	40.3%	363	259	-526.34	-451.01	-321.84	40
Tax expense	10%	1,436	1,305	670	501	624	879
Total profit (loss) for period	14.3%	5,443	4,763	2,891	2,287	2,743	2,404
Other comp. income net of taxes	-1556.5%	-72.05	-3.41	4.98	-4.92	-2.49	-7.15
Total Comprehensive Income	12.8%	5,371	4,760	2,896	2,282	2,741	2,397
Reserve excluding revaluation reserves	-	36,242	-	-	-	0	18,164
Earnings Per Share, Basic	14.5%	98.95	86.53	52.56	43.12	54.32	47.63
Earnings Per Share, Diluted	14.5%	98.95	86.53	52.56	43.12	54.32	47.62
Debt equity ratio	-	0.08	-	-	0	0	0

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Total income	-0.8%	7,250	7,306	7,070	6,938	6,797	6,949
Revenue From Operations	-0.8%	7,250	7,306	7,070	6,938	6,797	6,948
Total interest earned	0%	7,122	7,124	6,958	6,860	6,747	6,894
Fees and commission income	-15.8%	17	20	15	12	17	13
Other revenue from operations	-39.9%	84	139	76	54	6.07	17
Other income	-3.1%	0	0.03	0	0.59	0	0.4
Total Expenses	0.4%	5,546	5,524	5,272	5,275	5,164	5,466
Employee Expense	-9.3%	176	194	218	182	161	209
Finance costs	1.9%	5,046	4,950	4,950	4,879	4,749	4,646
Depreciation and Amortization	-4%	25	26	25	24	22	18
Fees and commission expenses	-69.6%	15	47	24	24	16	50
Impairment on financial instruments	77.8%	193	109	-43.98	77	143	428
Other expenses	-53.6%	92	197	100	89	71	115
Profit Before exceptional items and Tax	-4.3%	1,704	1,781	1,798	1,664	1,633	1,482
Total profit before tax	-4.3%	1,704	1,781	1,798	1,664	1,633	1,482
Current tax	430.4%	306	-91.3	411	381	372	-106.83
Deferred tax	-93.2%	35	498	-47.56	-44.07	-43.21	507
Tax expense	-16%	341	406	363	337	329	400
Total profit (loss) for period	-0.7%	1,364	1,374	1,435	1,328	1,306	1,082
Other comp. income net of taxes	97.5%	-0.69	-67.07	-0.01	-3.67	-1.3	3.27
Total Comprehensive Income	4.3%	1,363	1,307	1,435	1,324	1,305	1,085
Earnings Per Share, Basic	-0.7%	24.8	24.97	26.09	24.14	23.75	19.67
Earnings Per Share, Diluted	-0.7%	24.8	24.97	26.09	24.14	23.75	19.67
Debt equity ratio	-0.3%	0.0773	0.08	-	-	-	-

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	3%	28,056	27,235	22,674	200	19,848	19,670
Revenue From Operations	3%	28,050	27,228	22,657	199	19,853	19,697
Total interest earned	2.3%	27,661	27,042	22,516	197	19,697	19,605
Dividend income	-	0	0	0	0	5.77	0
Fees and commission income	-25%	37	49	45	0.98	79	39
Other revenue from operations	407.4%	275	55	25	1.13	62	46
Other income	-6.3%	6.08	6.42	17	0.34	-5.23	-26.93
Total Expenses	0.1%	21,200	21,181	19,117	172	16,499	16,401
Employee Expense	15.1%	702	610	473	5.63	293	299
Finance costs	6.2%	19,532	18,391	16,186	142	14,453	14,784
Depreciation and Amortization	45.3%	94	65	66	0.52	49	48
Fees and commission expenses	-11%	138	155	159	1.36	109	61
Impairment on financial instruments	-82.7%	286	1,644	1,943	20	1,318	953
Other expenses	42.2%	449	316	290	2.48	250	209
Profit Before exceptional items and Tax	13.2%	6,856	6,054	3,557	28	3,349	3,269
Total profit before tax	13.2%	6,856	6,054	3,557	28	3,349	3,269
Current tax	2.3%	1,062	1,038	1,188	9.44	937	829
Deferred tax	45.2%	364	251	-522.08	-4.54	-322.44	38
Tax expense	10.7%	1,427	1,289	666	4.91	614	867
Total profit (loss) for period	13.9%	5,429	4,765	2,891	23	2,734	2,402
Other comp. income net of taxes	-1493.2%	-71.81	-3.57	5.03	-0.05	-2.4	-6.85
Total Comprehensive Income	12.5%	5,357	4,762	2,896	23	2,732	2,395
Reserve excluding revaluation reserves	15.5%	36,147	31,285	-	-	-	-
Earnings Per Share, Basic	14.1%	98.7	86.63	52.56	43.14	54.18	47.59
Earnings Per Share, Diluted	14.1%	98.7	86.63	52.56	43.14	54.18	47.59
Debt equity ratio	-	0.0796	-	-	-	01	0.1052
Debt service coverage ratio	-	0	-	-	-	014	01
Interest service coverage ratio	-	0	-	-	-	0.0123	0.0122

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Total income	-0.7%	7,233	7,283	7,057	6,932	6,784	6,937
Revenue From Operations	-0.7%	7,233	7,283	7,057	6,926	6,784	6,936
Total interest earned	-0.1%	7,113	7,117	6,952	6,853	6,739	6,888
Fees and commission income	96.9%	11	6.08	9.77	7.74	14	8.54
Other revenue from operations	-39.9%	84	139	76	54	5.86	17
Other income	-3.1%	0.01	0.04	0.02	6	0.02	0.43
Total Expenses	0.4%	5,534	5,514	5,264	5,267	5,155	5,461
Employee Expense	-9.1%	160	176	204	170	151	198
Finance costs	1.9%	5,047	4,951	4,951	4,880	4,750	4,650
Depreciation and Amortization	-4.2%	24	25	24	23	22	17
Fees and commission expenses	-66.7%	20	58	30	30	20	54
Impairment on financial instruments	77.8%	193	109	-43.98	77	143	428
Other expenses	-53.9%	90	194	98	87	69	113
Profit Before exceptional items and Tax	-4%	1,699	1,770	1,793	1,664	1,628	1,476
Total profit before tax	-4%	1,699	1,770	1,793	1,664	1,628	1,476
Current tax	408.9%	305	-97.42	409	380	371	-109.36
Deferred tax	-93.2%	35	499	-47.46	-44.04	-43.09	495
Tax expense	-15.7%	339	402	361	335	328	385
Total profit (loss) for period	-0.6%	1,360	1,368	1,432	1,329	1,300	1,091
Other comp. income net of taxes	98.5%	0.01	-66.77	-0.15	-3.62	-1.27	3.16
Total Comprehensive Income	4.5%	1,360	1,301	1,432	1,325	1,299	1,094
Reserve excluding revaluation reserves	-	-	-	-	-	-	31,285
Earnings Per Share, Basic	-0.6%	24.72	24.87	26.03	24.16	23.64	19.83
Earnings Per Share, Diluted	-0.6%	24.72	24.87	26.03	24.16	23.64	19.83
Debt equity ratio	-0.3%	0.0771	0.0796	-	-	-	-

Balance Sheet for Lic Housing Finance

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023
Cash and cash equivalents	-	1,289	-	795	1,423	1,523	641
Derivative financial instruments	-	0	-	0	0	0	0
Trade receivables	-	12	-	2.65	9.94	0.06	0.72
Loans	-	302,778	-	289,085	280,532	271,441	267,776
Investments	-	7,201	-	6,276	6,337	6,005	7,050
Other financial assets	-	35	-	32	31	32	30
Total finanical assets	-	311,500	0	296,407	-	-	-
Current tax assets (Net)	-	588	-	436	425	0	0
Investment property	-	29	-	0	0	0	0
Property, plant and equipment	-	154	-	164	163	187	181
Capital work-in-progress	-	0.09	-	0.35	0.2	0.51	0.84
Goodwill	-	0.21	-	0.21	0.21	0.21	0.21
Total non-financial assets	-	2,541	0	2,909	-	-	-
Total assets	-	314,040	-	299,315	291,334	281,937	278,559
Equity share capital	-	110	-	110	110	110	110
Non controlling interest	-	3.72	-	-	3.4	3.25	3.19
Total equity	-	36,356	-	33,615	31,480	29,228	27,188
Derivative financial instruments	-	0	-	0	0	0	0
Debt securities	-	161,631	-	151,061	144,665	139,858	136,960
Borrowings	-	98,926	-	97,050	96,137	90,893	94,392
Deposits	-	8,187	-	7,593	9,849	10,731	11,581
Subordinated liabilities	-	1,797	-	1,797	1,796	1,796	1,796
Total financial liabilities	-	277,136	0	264,903	-	-	-
Current tax liabilities	-	0	-	0	0	200	3.87
Provisions	-	365	-	378	238	247	177
Total non financial liabilities	-	549	0	797	-	-	-
Total liabilities	-	277,685	-	-	259,854	252,709	251,371
Total equity and liabilities	-	314,040	-	299,315	291,334	281,937	278,559

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023
Cash and cash equivalents	-	1,279	-	791	1,437	1,453	619
Derivative financial instruments	-	0	-	0	0	0	0
Loans	-	302,846	-	289,144	280,590	271,496	267,835
Investments	-	7,142	-	6,222	6,277	5,948	6,976
Other financial assets	-	25	-	25	21	20	19
Total finanical assets	-	311,417	0	296,332	-	-	-
Current tax assets (Net)	-	586	-	429	424	0	0
Property, plant and equipment	-	162	-	172	172	165	160
Capital work-in-progress	-	0.09	-	0	0.14	0.51	0.74
Total non-financial assets	-	2,509	0	2,866	-	-	-
Total assets	-	313,927	-	299,198	291,205	281,803	278,412
Equity share capital	-	110	-	110	110	110	110
Total equity	-	36,257	-	33,524	31,395	29,140	27,100
Debt securities	-	161,631	-	151,061	144,665	139,858	136,960
Borrowings	-	98,926	-	97,050	96,137	90,893	94,392
Deposits	-	8,243	-	7,646	9,899	10,779	11,626
Subordinated liabilities	-	1,797	-	1,797	1,796	1,796	1,796
Total financial liabilities	-	277,150	0	264,898	-	-	-
Current tax liabilities	-	0	-	0	0	201	5.99
Provisions	-	360	-	375	334	243	173
Total non financial liabilities	-	520	0	776	-	-	-
Total liabilities	-	277,670	-	-	259,810	252,663	251,312
Total equity and liabilities	-	313,927	-	299,198	291,205	281,803	278,412

Cash Flow for Lic Housing Finance

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	6.2%	19,528	18,385	16,135	14,151	-	-
Depreciation	42.6%	98	69	69	55	-	-
Impairment loss / reversal	-82.7%	286	1,644	1,396	1,988	-	-
Unrealised forex losses/gains	-1%	0	0.01	-0.01	0.31	-	-
Dividend income	-	0	0	0.43	5.47	-	-
Adjustments for interest income	2.3%	27,689	27,067	22,222	19,489	-	-
Net Cashflows From Operations	-209.2%	-1,683.39	-543.7	-500.58	-1,347.09	-	-
Interest paid	5.8%	19,072	18,022	15,973	14,625	-	-
Interest received	1%	27,536	27,254	21,829	19,434	-	-
Income taxes paid (refund)	-17.9%	1,211	1,475	1,054	1,093	-	-
Other inflows/outflows of cash	-54.4%	-22,178.91	-14,364.05	-23,934.02	-19,098.11	-	-
Net Cashflows From Operating Activities	-132.2%	-16,609.17	-7,150.98	-19,632.43	-16,729.27	-	-
Proceeds from sales of PPE	-350%	0.1	0.8	24	0.02	-	-
Purchase of property, plant and equipment	100%	73	37	64	35	-	-
Proceeds from sales of investment property	-83.8%	116	712	26	607	-	-
Purchase of investment property	1027.6%	982	88	786	2,206	-	-
Dividends received	-	0.52	0	0.43	0.43	-	-
Interest received	-	0	0	0	5.04	-	-
Other inflows/outflows of cash	-16.9%	0.24	0.35	0.27	0.49	-	-
Net Cashflows From Investing Activities	-260.3%	-938.54	587	-799.24	-1,628.21	-	-
Proceeds from issuing shares	-	0	0	0	2,334	-	-
Proceeds from borrowings	18%	172,751	146,420	182,151	152,314	-	-
Repayments of borrowings	11.8%	153,126	136,953	154,565	136,244	-	-
Payments of finance lease liabilities	-	-	53	0	46	-	-
Payments of lease liabilities	-	62	0	51	0	-	-
Dividends paid	5.8%	495	468	462	468	-	-
Other inflows (outflows) of cash	-3.4%	-1,655.06	-1,600.88	-6,824	-40.79	-	-
Net Cashflows From Financing Activities	137.1%	17,413	7,346	20,249	17,850	-	-
Net change in cash and cash eq.	-117.3%	-134.24	781	-182.97	-507.52	-	-

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	6.2%	19,532	18,391	16,137	142	-	-
Depreciation	45.3%	94	65	66	0.52	-	-
Impairment loss / reversal	-82.7%	286	1,644	1,396	20	-	-
Unrealised forex losses/gains	-1%	0	0.01	-0.01	0	-	-
Dividend income	-	0	0	9.54	0.1	-	-
Adjustments for interest income	2.3%	27,661	27,042	22,189	195	-	-
Net Cashflows From Operations	-307%	-1,741.36	-427.11	-460.77	-15.11	-	-
Interest paid	5.8%	19,077	18,025	15,976	146	-	-
Interest received	1%	27,507	27,229	21,796	194	-	-
Income taxes paid (refund)	-18.3%	1,199	1,468	1,047	11	-	-
Other inflows/outflows of cash	-54.4%	-22,178.91	-14,363.44	-23,934.02	-189.17	-	-
Net Cashflows From Operating Activities	-136.5%	-16,688.52	-7,055.11	-19,621.08	-167.4	-	-
Proceeds from sales of PPE	2%	0.03	0.01	6.51	0	-	-
Purchase of property, plant and equipment	-44.4%	21	37	64	0.35	-	-
Proceeds from sales of investment property	-82.7%	116	664	0.19	6.27	-	-
Purchase of investment property	1756.6%	985	54	773	22	-	-
Dividends received	-	5.98	0	5.67	0.05	-	-
Interest received	-	0	0	3.87	0.05	-	-
Net Cashflows From Investing Activities	-254.7%	-883.71	573	-820.96	-16.01	-	-
Proceeds from issuing shares	-	0	0	0	23	-	-
Proceeds from borrowings	18%	172,751	146,420	182,151	1,523	-	-
Repayments of borrowings	11.8%	153,126	136,953	154,565	1,362	-	-
Payments of lease liabilities	15.1%	62	54	49	0	-	-
Dividends paid	5.8%	495	468	468	4.68	-	-
Other inflows (outflows) of cash	-0.5%	-1,655.06	-1,646.49	-6,829.95	-1.03	-	-
Net Cashflows From Financing Activities	138.6%	17,413	7,300	20,239	178	-	-
Net change in cash and cash eq.	-119.6%	-158.74	818	-202.79	-5.07	-	-

What does Lic Housing Finance Ltd. do?

Housing Finance Company•Financial Services•Mid Cap

LIC Housing Finance is a prominent housing finance company based in Mumbai, India. It operates under the stock ticker LICHSGFIN and has a substantial market capitalization of Rs. 33,523.6 Crores.

The company specializes in providing a wide range of financial products related to housing. This includes:

Loans for various housing-related needs such as purchasing, constructing, repairing, and renovating houses/buildings.
Home loans available for residents, non-residents, and pensioners.
Additional financing options including plot loans, home improvement and construction loans, home extension, and top-up loans.
Corporate financing solutions like construction finance, term loans for builders and developers, and loans for staff quarters.
Loans against properties and securities for both individuals and companies, including loans under rental securitization.

Moreover, LIC Housing Finance engages in developing and managing assisted living community centers for elderly citizens. It also offers diverse financial services, such as asset management, private equity funds, housing loan products, insurance products, and credit cards.

The company serves a variety of customer segments, including salaried professionals, self-employed individuals, SMEs, and retired government employees. It utilizes home loan agents, direct sales agents, and customer relations associates to reach its clients.

Founded in 1989, LIC Housing Finance has demonstrated impressive financial performance, with a trailing revenue of Rs. 27,753.8 Crores and a profit of Rs. 5,151 Crores over the last four quarters. The company's revenue has grown significantly, with an increase of 89.8% over the past three years.

Additionally, LIC Housing Finance is committed to returning value to its investors, distributing dividends with a yield of 1.71% per year, having recently paid a dividend of Rs. 9 per share.

Industry Group:Finance

Employees:2,349

Website:www.lichousing.com

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What does Lic Housing Finance Ltd. do?