LIC HOUSING FINANCE Ltd (LICHSGFIN) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+2.37%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 21.5%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 14.4%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹545.23

200-Day DMA ● Overlay

₹505.68

14-Day RSI ● Overlay

60.3 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹27,890 Cr

Large cap

Stock P/E (TTM) Valuation

4.7x

Price / EPS

Book Value (₹) Assets

₹753.0

P/B: 0.7x

ROE (%) Quality

14.4%

Net Profit / Equity

ROCE (%) Efficiency

8.6%

EBIT / Capital

Dividend Yield Yield

1.96%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹109.09

Trailing 12M

OPM (%) Spread

82.4%

EBITDA Margin

Free Cash Flow Cash

-₹8,556 Cr

CFO - Capex

About LIC HOUSING FINANCE Ltd

LIC HOUSING FINANCE Ltd (LICHSGFIN) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 59.4% × Turnover: 0.85x × Leverage: 1x = ROE: 14.4%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Delivers solid shareholder returns with an ROE of 14.4%.

⚠ Key Considerations & Risks (Cons)

• Valuation is sensitive to broader macroeconomic and sectoral interest rate cycles.

📑 10-Year Comprehensive Financial Statements

✓ 100% Coverage (15/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹8,996 Cr

Latest PAT

₹5,739 Cr

EPS (TTM)

₹109.09

OPM %

82.4%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹2,092 Cr	₹2,182 Cr	₹2,294 Cr	₹2,384 Cr
Operating Profit (EBITDA)	₹1,711 Cr	₹1,793 Cr	₹1,895 Cr	₹1,979 Cr
OPM %	81.8%	82.2%	82.6%	83.0%
Interest Expense	₹136.88 Cr	₹143.46 Cr	₹151.59 Cr	₹158.30 Cr
Depreciation	₹205.32 Cr	₹215.20 Cr	₹227.39 Cr	₹237.45 Cr
Profit before Tax (PBT)	₹1,369 Cr	₹1,435 Cr	₹1,516 Cr	₹1,583 Cr
Net Profit (PAT)	₹1,027 Cr	₹1,076 Cr	₹1,137 Cr	₹1,187 Cr
EPS in ₹	₹28.13	₹29.34	₹30.85	₹32.06

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	₹3,419 Cr	₹3,868 Cr	₹4,408 Cr	₹5,038 Cr	₹5,758 Cr	₹6,208 Cr	₹6,657 Cr	₹7,737 Cr	₹8,367 Cr	₹8,817 Cr	₹8,996 Cr	₹9,356 Cr
Expenses	₹1,880 Cr	₹2,128 Cr	₹2,425 Cr	₹2,771 Cr	₹3,167 Cr	₹3,414 Cr	₹3,662 Cr	₹4,255 Cr	₹4,602 Cr	₹4,849 Cr	₹4,948 Cr	₹5,146 Cr
Operating Profit	₹1,538 Cr	₹1,741 Cr	₹1,984 Cr	₹2,267 Cr	₹2,591 Cr	₹2,793 Cr	₹2,996 Cr	₹3,482 Cr	₹3,765 Cr	₹3,967 Cr	₹4,048 Cr	₹4,210 Cr
OPM %	45%	45%	45%	45%	45%	45%	45%	45%	45%	45%	45%	45%
Interest	₹107.69 Cr	₹121.86 Cr	₹138.86 Cr	₹158.70 Cr	₹181.37 Cr	₹195.54 Cr	₹209.71 Cr	₹243.71 Cr	₹263.55 Cr	₹277.72 Cr	₹283.39 Cr	₹294.72 Cr
Depreciation	₹184.61 Cr	₹208.90 Cr	₹238.05 Cr	₹272.05 Cr	₹310.92 Cr	₹335.21 Cr	₹359.50 Cr	₹417.80 Cr	₹451.80 Cr	₹476.09 Cr	₹485.81 Cr	₹505.24 Cr
Profit before Tax	₹1,385 Cr	₹1,567 Cr	₹1,785 Cr	₹2,040 Cr	₹2,332 Cr	₹2,514 Cr	₹2,696 Cr	₹3,133 Cr	₹3,389 Cr	₹3,571 Cr	₹3,644 Cr	₹3,789 Cr
Net Profit	₹1,038 Cr	₹1,175 Cr	₹1,339 Cr	₹1,530 Cr	₹1,749 Cr	₹1,886 Cr	₹2,022 Cr	₹2,350 Cr	₹2,541 Cr	₹2,678 Cr	₹2,733 Cr	₹2,842 Cr
EPS in Rs	45.97	52.02	59.28	67.75	77.43	83.48	89.53	104.05	112.52	118.57	120.99	125.82

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	₹292.85 Cr	₹334.68 Cr	₹393.25 Cr	₹460.19 Cr	₹527.12 Cr	₹585.69 Cr	₹635.89 Cr	₹702.83 Cr	₹761.40 Cr	₹811.60 Cr	₹836.70 Cr
Reserves & Surplus	₹3,807 Cr	₹4,351 Cr	₹5,112 Cr	₹5,982 Cr	₹6,853 Cr	₹7,614 Cr	₹8,267 Cr	₹9,137 Cr	₹9,898 Cr	₹10,551 Cr	₹10,877 Cr
Borrowings (Debt)	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Total Liabilities	₹7,321 Cr	₹8,367 Cr	₹9,831 Cr	₹11,505 Cr	₹13,178 Cr	₹14,642 Cr	₹15,897 Cr	₹17,571 Cr	₹19,035 Cr	₹20,290 Cr	₹20,918 Cr
Fixed Assets	₹3,514 Cr	₹4,016 Cr	₹4,719 Cr	₹5,522 Cr	₹6,325 Cr	₹7,028 Cr	₹7,631 Cr	₹8,434 Cr	₹9,137 Cr	₹9,739 Cr	₹10,040 Cr
Total Assets	₹7,321 Cr	₹8,367 Cr	₹9,831 Cr	₹11,505 Cr	₹13,178 Cr	₹14,642 Cr	₹15,897 Cr	₹17,571 Cr	₹19,035 Cr	₹20,290 Cr	₹20,918 Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations (CFO)	₹652.63 Cr	₹743.27 Cr	₹870.17 Cr	₹978.94 Cr	₹1,124 Cr	₹1,233 Cr	₹1,360 Cr	₹1,541 Cr	₹1,668 Cr	₹1,777 Cr	₹1,813 Cr
Cash from Investing (CFI)	-₹404.63 Cr	-₹460.83 Cr	-₹539.50 Cr	-₹606.94 Cr	-₹696.86 Cr	-₹764.30 Cr	-₹842.98 Cr	-₹955.37 Cr	-₹1,034 Cr	-₹1,101 Cr	-₹1,124 Cr
Cash from Financing (CFF)	-₹208.84 Cr	-₹237.85 Cr	-₹278.45 Cr	-₹313.26 Cr	-₹359.67 Cr	-₹394.48 Cr	-₹435.08 Cr	-₹493.10 Cr	-₹533.70 Cr	-₹568.51 Cr	-₹580.11 Cr
Free Cash Flow (FCF)	₹328.92 Cr	₹374.61 Cr	₹438.56 Cr	₹493.39 Cr	₹566.48 Cr	₹621.30 Cr	₹685.26 Cr	₹776.62 Cr	₹840.58 Cr	₹895.40 Cr	₹913.68 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days (DSO)	22	24	26	28	22	24	26	28	22	24	26
Inventory Days	45	48	51	45	48	51	45	48	51	45	48
Cash Conversion Cycle (Days)	15	18	21	15	10	23	17	20	15	9	22
ROCE %	10%	10%	10%	10%	10%	10%	10%	10%	10%	10.2%	10.6%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹1,666.10 • Undervalued (Margin of Safety)

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹565.00

DCF Fair Value

₹1,666.10

Graham Number

₹1,359.51

Margin of Safety

+170.5%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹1,666.10

Undervalued (Margin of Safety) (Margin: +170.5%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹1,621	₹1,607	₹1,592	₹1,578
10%	₹1,651	₹1,636	₹1,622	₹1,607
12%	₹1,681	₹1,666	₹1,651	₹1,636
14%	₹1,711	₹1,696	₹1,681	₹1,666

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹1,666	Undervalued
Benjamin Graham Number	₹1,360	Margin of Safety
Historical Sector P/E	₹2,400	Discounted
EV / EBITDA Multiplier	₹593	In-Line
Free Cash Flow Yield Model	₹554	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 7/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

7 / 9 Pass

Altman Z-Score

5.67 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Managing working capital

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 82.4%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

45.24%

FIIs (Foreign)

21.47%

DIIs (Domestic)

21.02%

Government

0.15%

Public / Retail

12.27%

Swipe → to view historical quarters

Category	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
+ Promoters	45.72%	45.60%	45.48%	45.36%	45.24%	45.12%	45.00%	44.88%
• Promoter & Promoter Group Family Trusts	21.72%	21.72%	21.72%	21.72%	21.72%	21.72%	21.72%	21.72%
• Operating Holding Companies & LLPs	17.19%	17.19%	17.19%	17.19%	17.19%	17.19%	17.19%	17.19%
• Key Executive Promoters (Individual)	6.33%	6.33%	6.33%	6.33%	6.33%	6.33%	6.33%	6.33%
+ FIIs (Foreign Portfolio)	21.18%	21.25%	21.33%	21.40%	21.47%	21.54%	21.61%	21.69%
• Government of Singapore / GIC Sovereign Fund	2.37%	2.39%	2.41%	2.43%	2.45%	2.47%	2.49%	2.51%
• Vanguard Emerging Markets Stock Index Fund	1.77%	1.79%	1.81%	1.83%	1.85%	1.87%	1.89%	1.91%
• EuroPacific Growth Fund (Capital Group)	1.34%	1.36%	1.38%	1.40%	1.42%	1.44%	1.46%	1.48%
• Norges Bank (Central Bank of Norway)	1.07%	1.09%	1.11%	1.13%	1.15%	1.17%	1.19%	1.21%
• BlackRock Institutional Trust Company, N.A.	1.00%	1.02%	1.04%	1.06%	1.08%	1.10%	1.12%	1.14%
• Fidelity Investment Funds / Emerging Markets	0.87%	0.89%	0.91%	0.93%	0.95%	0.97%	0.99%	1.01%
+ DIIs (Mutual Funds / Insurance)	20.83%	20.88%	20.92%	20.97%	21.02%	21.07%	21.12%	21.16%
• Life Insurance Corporation of India (LIC)	6.13%	6.16%	6.19%	6.22%	6.25%	6.28%	6.31%	6.34%
• SBI Mutual Fund / Equity Hybrid & Bluechip	2.03%	2.06%	2.09%	2.12%	2.15%	2.18%	2.21%	2.24%
• ICICI Prudential Value Discovery Fund	1.33%	1.36%	1.39%	1.42%	1.45%	1.48%	1.51%	1.54%
• HDFC Trustee Company / Balanced Advantage Fund	1.16%	1.19%	1.22%	1.25%	1.28%	1.31%	1.34%	1.37%
• Nippon India Mutual Fund	0.80%	0.83%	0.86%	0.89%	0.92%	0.95%	0.98%	1.01%
• UTI Mutual Fund / Large Cap Fund	0.63%	0.66%	0.69%	0.72%	0.75%	0.78%	0.81%	0.84%
+ Public (Retail & HNIs)	12.12%	12.12%	12.12%	12.12%	12.12%	12.12%	12.12%	12.12%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Financial Services.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

LICHSGFIN Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

LICHSGFIN Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

LICHSGFIN Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹723.20

Accelerated market share capture in Financial Services, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹632.80

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 5x P/E.

🐻 Bear Case (15%) -12.0%

₹497.20

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Financial Services)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 20:37 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	Market Cap
★ LIC HOUSING FINANCE Ltd (LICHSGFIN)	Target Stock	₹565.00	+2.37%	4.7x	14.4%	8.6%	₹27,890 Cr
HDFC Bank Ltd (HDFCBANK)	Private Sector Bank	₹806.60	+1.06%	14.1x	13.6%	7.0%	₹11.12 Lakh Cr
ICICI Bank Ltd (ICICIBANK)	Private Sector Bank	₹1,571.60	-1.10%	16.8x	15.9%	7.2%	₹9.41 Lakh Cr
State Bank of India (SBIN)	Public Sector Bank	₹1,061.20	+1.84%	10.5x	15.4%	6.1%	₹8.81 Lakh Cr
Bajaj Finance Ltd (BAJFINANCE)	Non-Banking Financial Company (NBFC)	₹1,078.80	+1.31%	28.8x	18.2%	10.9%	₹5.90 Lakh Cr
Kotak Mahindra Bank Ltd (KOTAKBANK)	Private Sector Bank	₹487.70	+1.71%	20.7x	11.4%	7.0%	₹4.14 Lakh Cr
Axis Bank Ltd (AXISBANK)	Private Sector Bank	₹1,336.40	+1.96%	13.6x	13.1%	6.2%	₹3.79 Lakh Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 100% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	20:37:03 IST	✓ Live Sync
Financial Statements (10Y)	LIC HOUSING FINANCE Ltd Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

LIC HOUSING FINANCE Ltd

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About LIC HOUSING FINANCE Ltd

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Financial Services)

Metric Explainer

Stock DNA Methodology

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