LIC Housing Finance Ltd.

NSE: LICHSGFIN · Financial Services

₹536.00+1.32%06 Nov 2026

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Instant answers about LIC Housing Finance Ltd. — computed from its filings, no language model

Market cap₹29,501 cr

Current price₹536.00

High / Low₹586 / ₹461

P/E—

P/B—

Book value—

ROE—

ROCE—

Debt / equity—

Dividend yield1.86%

EPS (TTM)—

Face value₹2

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

showing latest 6 of 7 periods

	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Total income	19,707	19,880	20,005	22,728	27,278	28,111	28,843
Tax	879	624	501	670	1,305	1,436	1,499
Operating cash flow	—	—	-16,729	-19,632	-7,151	-16,609	-8,504
Capex	—	—	35	64	37	73	52
Dividend paid	—	—	468	462	468	495	550
Total assets	2,16,920	2,35,722	2,54,687	2,78,559	2,91,334	3,14,040	3,25,213
Equity	18,265	20,601	24,751	—	—	—	—

Quarterly performance

last 28 quarters · ₹ crore

showing latest 8 of 28 periods

	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	5,006	4,904	4,986	4,988	4,927	4,980	4,867	4,723	51	5,336	5,302	5,101	5,896	6,431	6,759	6,766	6,804	6,949	6,797	6,938	7,070	7,306	7,250	7,180	7,214	7,212	7,086	7,194
Other income	1	-32	-25	10	16	-2	3	5	0	9	6	5	28	0	0	0	0	0	0	1	0	0	0	1	5	0	3	0
Tax	149	409	198	221	249	-22	43	62	2	200	216	77	115	262	326	291	288	400	329	337	363	406	341	354	364	441	402	413
Revenue YoY	—	—	—	—	-1.6%	1.6%	-2.4%	-5.3%	-99.0%	7.2%	8.9%	8.0%	11508.5%	20.5%	27.5%	32.6%	15.4%	8.0%	0.6%	2.5%	3.9%	5.1%	6.7%	3.5%	2.0%	-1.3%	-2.3%	0.2%

Earlier results (standalone, Sep '07 – Mar '19)

₹ crore · from BSE, before the NSE XBRL filings begin

LIC Housing Finance Ltd. reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 11 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†
Total income	2,865	3,456	4,680	6,176	7,576	9,181	10,669	12,396	13,987	14,960	17,311
Pre-provision op. profit	2,215	3,300	4,209	4,533	7,223	8,854	10,292	11,791	10,506	14,083	16,246
Operating margin	77.3%	95.5%	89.9%	73.4%	95.3%	96.4%	96.5%	95.1%	75.1%	94.1%	93.8%
Other income	37	13	189	39	83	153	129	89	93	113	—
Interest	—	2,396	3,098	4,591	5,925	7,174	8,310	9,307	10,231	11,125	12,891
Depreciation	5	6	6	7	8	8	9	10	9	10	12
Profit before tax	726	911	1,294	1,231	1,374	1,826	2,102	2,564	2,956	3,062	3,380
Tax	195	249	320	317	350	508	716	903	1,025	1,072	949
Net profit	532	662	974	914	1,023	1,317	1,386	1,661	1,931	1,990	2,431

Quarters

showing latest 8 of 47 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†
Total income	513	534	590	605	704	765	790	780	835	878	963	1,012	1,100	1,213	1,354	1,414	1,511	1,589	1,662	1,746	1,840	1,935	2,055	2,149	2,247	2,343	2,443	2,509	2,628	2,700	2,832	2,946	3,065	3,139	3,246	3,360	3,456	3,528	3,643	3,633	3,687	3,738	3,901	4,019	4,198	4,439	4,655
Pre-provision op. profit	493	498	546	570	182	716	746	739	823	822	916	966	1,051	926	1,267	1,340	1,252	1,617	324	1,653	1,767	1,837	1,966	2,072	2,140	2,279	2,363	2,433	2,552	2,608	2,700	2,820	2,931	2,986	3,053	3,107	3,292	747	3,360	3,396	3,492	3,544	3,651	3,784	3,882	4,192	4,388
Operating margin	96.3%	93.3%	92.7%	94.2%	25.9%	93.6%	94.4%	94.8%	98.6%	93.6%	95.1%	95.4%	95.5%	76.3%	93.5%	94.8%	82.9%	101.8%	19.5%	94.6%	96.0%	95.0%	95.7%	96.4%	95.3%	97.3%	96.7%	96.9%	97.1%	96.6%	95.3%	95.7%	95.6%	95.1%	94.1%	92.5%	95.2%	21.2%	92.2%	93.5%	94.7%	94.8%	93.6%	94.2%	92.5%	94.4%	94.3%
Other income	14	17	40	17	3	2	16	2	4	2	5	2	7	141	38	5	4	4	27	21	22	20	20	29	56	34	35	34	31	36	28	20	25	17	28	20	33	21	19	21	29	29	33	32	4	0	—
Interest	350	382	405	443	—	534	543	571	598	606	621	677	738	809	873	997	1,124	1,213	1,257	1,367	1,455	1,535	1,567	1,676	1,770	1,854	1,874	1,976	2,064	2,119	2,150	2,259	2,309	2,355	2,384	2,502	2,563	2,597	2,570	2,696	2,771	2,815	2,843	3,025	3,138	3,330	3,398
Depreciation	1	1	1	1	1	1	2	1	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2	3	3	3	3	3
Profit before tax	157	133	180	143	185	182	217	169	228	216	298	289	319	256	430	345	131	406	349	304	332	320	416	424	424	456	522	488	517	522	575	579	644	646	694	623	761	766	806	718	748	757	839	788	745	860	986
Tax	40	27	62	38	50	48	59	45	57	63	85	77	85	43	115	89	32	100	95	77	89	84	100	114	114	130	152	166	176	177	197	197	232	227	246	216	266	266	277	248	259	266	299	220	172	263	293
Net profit	116	106	118	105	135	134	158	124	171	154	214	212	234	213	315	256	98	306	254	228	243	236	316	311	310	327	370	322	341	344	378	382	412	419	448	408	495	499	529	470	489	491	539	568	573	596	694
EPS ₹	13.70	12.48	13.90	12.32	15.90	15.82	18.55	14.58	19.96	16.18	22.49	22.33	24.67	22.49	6.63	5.40	2.08	6.44	5.28	4.51	4.82	4.68	6.27	6.15	6.14	6.47	7.33	6.39	6.76	6.82	7.50	7.57	8.16	8.30	8.88	8.08	9.80	9.89	10.49	9.31	9.69	9.73	10.69	11.25	11.36	11.82	13.74
Revenue YoY	—	—	—	—	37.4%	43.2%	34.1%	28.9%	18.6%	14.8%	21.8%	29.8%	31.8%	38.1%	40.6%	39.6%	37.4%	30.9%	22.7%	23.6%	21.7%	21.8%	23.6%	23.0%	22.1%	21.1%	18.9%	16.8%	17.0%	15.3%	15.9%	17.4%	16.6%	16.3%	14.6%	14.0%	12.8%	12.4%	12.2%	8.1%	6.7%	6.0%	7.1%	10.6%	13.9%	18.7%	19.3%
Profit YoY	—	—	—	—	16.1%	26.7%	33.4%	18.3%	26.8%	14.3%	35.5%	71.2%	36.8%	39.0%	47.4%	21.0%	-58.0%	43.2%	-19.4%	-11.2%	147.0%	-22.7%	24.7%	36.3%	27.6%	38.2%	17.0%	3.8%	10.1%	5.4%	2.2%	18.6%	20.6%	21.6%	18.5%	6.7%	20.2%	19.2%	18.1%	15.3%	-1.1%	-1.6%	1.9%	20.8%	17.2%	21.4%	28.6%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 25 periods

	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Asset turnover	0.09	0.09	0.08	0.08	0.08	0.06	0.06	0.06	0.06	0.08	0.08	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 17 periods

	MAR '15‡	MAR '16‡	MAR '17‡	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	SEP '22	MAR '23	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	101	101	101	101	101	101	101	110	—	—	—	—	—	—	—	—	—
Reserves	7,779	9,114	11,055	14,210	16,230	18,164	20,500	24,641	—	—	—	—	—	—	—	—	—
Total equity	7,880	9,215	11,156	14,311	16,331	18,265	20,601	24,751	—	—	—	—	—	—	—	—	—
Deposits	—	—	—	6,770	7,658	12,572	18,272	18,022	15,978	11,581	10,731	9,849	7,593	8,187	11,202	11,323	10,127
Borrowings	83,217	96,099	1,11,326	1,38,538	1,63,000	1,78,723	1,89,526	2,05,585	86,994	94,392	90,893	96,137	97,050	98,926	1,07,187	1,28,221	1,30,750
Total assets	1,12,630	1,30,587	1,50,997	1,71,228	2,00,707	2,16,920	2,35,722	2,54,687	2,65,234	2,78,559	2,81,937	2,91,334	2,99,315	3,14,040	3,19,156	3,25,213	3,30,176
Advances	1,08,516	1,25,327	1,44,766	1,66,134	1,92,991	2,07,975	2,28,091	2,45,234	—	—	—	—	—	—	—	—	—
Investments	241	280	537	2,008	3,617	5,485	4,644	6,279	6,103	7,050	6,005	6,337	6,276	7,201	5,180	5,132	4,921
Fixed assets	84	—	98	127	165	166	161	154	—	—	—	—	—	—	—	—	—
Cash & bank balances	2,993	3,987	4,523	2,143	3,053	2,037	1,385	985	—	—	—	—	—	—	—	—	—

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 12 periods

	FY15‡	FY16‡	FY17‡	FY18‡	FY19‡	FY20‡	FY21‡	FY22	FY23	FY24	FY25	FY26
Cash from operations	-14,345	-13,039	-14,273	-18,977	-21,538	-14,738	-17,140	-16,729	-19,632	-7,151	-16,609	-8,504
Cash from investing	-58	-58	-278	1,368	-1,642	-1,851	858	-1,628	-799	587	-939	1,752
Cash from financing	14,232	14,098	15,072	18,074	24,068	15,156	16,245	17,850	20,249	7,346	17,413	6,192
Capex	19	22	14	35	51	15	11	35	64	37	73	52
Free cash flow	-14,364	-13,062	-14,288	-19,012	-21,589	-14,752	-17,151	-16,765	-19,697	-7,188	-16,683	-8,556
Dividends paid	226	251	277	312	342	384	404	468	462	468	495	550

Where the assets sit

Sep '26 · ₹ crore

Investments

₹4,921 cr1%

Other assets

₹3,25,255 cr99%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
LIC Housing Finance Ltd.	29,501	536.00	—	—	—

StoxGud checklist: Neutral setup · 5/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+4.0%

6 months-8.6%

1 year-9.7%

3Y CAGR+4.9%

5Y CAGR+4.4%

10Y CAGR-0.1%

50-day avg₹534.55

200-day avg₹531.80

RSI (14)56

Compare LIC Housing Finance Ltd. with

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FAQs

What is the share price of LIC Housing Finance Ltd.?

LIC Housing Finance Ltd. (LICHSGFIN) closed at ₹536.00 on NSE on 06 Nov 2026.

What is the market cap of LIC Housing Finance Ltd.?

₹29,501 crore at the latest close.

How fast is LIC Housing Finance Ltd. growing?

LIC Housing Finance Ltd.: revenue has compounded at 8.3% a year over three years. Latest-quarter revenue is up 0.2% year on year.

How profitable is LIC Housing Finance Ltd.?

Profitability ratios for LIC Housing Finance Ltd. aren't available yet.

How much debt does LIC Housing Finance Ltd. have?

Debt to equity isn't meaningful for LIC Housing Finance Ltd. (banks borrow as part of their business) or isn't filed yet.

Financials parsed from LIC Housing Finance Ltd.'s own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from DEC '19, annual from FY20, balance sheet from Mar '15. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.