WEBSITE BSE:500253 NSE : LIC HOUS.FIN 13 May, 09:41
Market Cap ₹33790 Cr.
Stock P/E 6.9
P/B 1.1
Current Price ₹614.3
Book Value ₹ 552.5
Face Value 2
52W High ₹682.9
Dividend Yield 1.38%
52W Low ₹ 362.7
LIC Housing Finance Ltd is a housing finance agency. The Company is engaged in the enterprise of offering finance for buy, construction, maintenance, renovation of homes/buildings. The Company provides long time finance to individuals for the acquisition or construction of house/flat for residential purposes in India. It also gives finance on current assets for commercial enterprise/ private needs and also gives loans to professionals for purchase/construction of clinics/nursing homes/ diagnostic facilities/ workplace area and also for purchase of gadget. It gives various housing loans, including home loans, plot loans, Pradhan Mantri Awas Yojana, Griha Suvidha Home loan, domestic loan for non-resident Indian (NRI) and home loan for pensioners, home development mortgage, domestic construction mortgage, domestic extension loan and top up loans. Its other loans consist of mortgage against belongings, mortgage against security, mortgage to professionals and loan in opposition to belongings for listed/unlisted businesses.
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| #(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 4718 | 5064 | 5328 | 5296 | 5096 | 5890 | 6431 | 6759 | 6765 | 6804 |
| Other Income | 5 | 14 | 9 | 6 | 5 | 6 | 0 | 0 | 0 | 0 |
| Total Income | 4723 | 5079 | 5336 | 5303 | 5101 | 5896 | 6431 | 6759 | 6766 | 6804 |
| Total Expenditure | 892 | 552 | 456 | 504 | 811 | 1069 | 582 | 602 | 670 | 686 |
| Operating Profit | 3831 | 4527 | 4880 | 4798 | 4290 | 4827 | 5850 | 6157 | 6096 | 6119 |
| Interest Expense | 3505 | 3546 | 3551 | 3639 | 3886 | 4232 | 4378 | 4493 | 4600 | 4646 |
| Depreciation | 14 | 14 | 15 | 16 | 16 | 17 | 19 | 19 | 13 | 18 |
| Profit Before Tax | 312 | 968 | 1314 | 1143 | 388 | 577 | 1453 | 1645 | 1483 | 1454 |
| Provision for Tax | 62 | 196 | 200 | 216 | 77 | 115 | 262 | 326 | 291 | 288 |
| Profit After Tax | 250 | 771 | 1114 | 927 | 311 | 462 | 1191 | 1319 | 1192 | 1167 |
| Adjustments | 1 | -1 | -0 | -1 | 1 | -1 | 0 | -0 | 2 | 2 |
| Profit After Adjustments | 251 | 771 | 1114 | 926 | 313 | 461 | 1191 | 1319 | 1193 | 1169 |
| Adjusted Earnings Per Share | 4.6 | 14 | 20.2 | 16.8 | 5.7 | 8.4 | 21.6 | 24 | 21.7 | 21.2 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 7698 | 9272 | 10751 | 12475 | 14072 | 14875 | 17395 | 19737 | 19882 | 19974 | 22714 | 26759 |
| Other Income | 123 | 164 | 189 | 135 | 167 | 2 | 3 | 5 | 4 | 31 | 14 | 0 |
| Total Income | 7821 | 9436 | 10941 | 12610 | 14239 | 14876 | 17398 | 19742 | 19886 | 20005 | 22728 | 26760 |
| Total Expenditure | 471 | 420 | 502 | 718 | 1025 | 940 | 1104 | 1626 | 2018 | 3012 | 2964 | 2540 |
| Operating Profit | 7350 | 9016 | 10439 | 11892 | 13214 | 13936 | 16295 | 18115 | 17868 | 16994 | 19765 | 24222 |
| Interest Expense | 5925 | 7174 | 8310 | 9307 | 10231 | 11144 | 12891 | 14782 | 14450 | 14151 | 16135 | 18117 |
| Depreciation | 8 | 8 | 10 | 10 | 10 | 10 | 12 | 51 | 52 | 55 | 69 | 69 |
| Profit Before Tax | 1418 | 1834 | 2119 | 2575 | 2973 | 2782 | 3392 | 3282 | 3365 | 2787 | 3561 | 6035 |
| Provision for Tax | 364 | 512 | 722 | 907 | 1031 | 774 | 957 | 879 | 624 | 501 | 670 | 1167 |
| Profit After Tax | 1054 | 1321 | 1398 | 1668 | 1942 | 2008 | 2434 | 2404 | 2741 | 2286 | 2891 | 4869 |
| Adjustments | -6 | -3 | -2 | 0 | 0 | 6 | -1 | -7 | -1 | 0 | -0 | 4 |
| Profit After Adjustments | 1048 | 1318 | 1396 | 1668 | 1942 | 2014 | 2433 | 2397 | 2740 | 2286 | 2891 | 4872 |
| Adjusted Earnings Per Share | 20.8 | 26.1 | 27.7 | 33 | 38.5 | 39.9 | 48.2 | 47.5 | 54.3 | 41.6 | 52.6 | 88.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 14% | 5% | 9% | 11% |
| Operating Profit CAGR | 16% | 3% | 7% | 10% |
| PAT CAGR | 26% | 6% | 8% | 11% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 61% | 13% | 5% | 8% |
| ROE Average | 11% | 12% | 13% | 16% |
| ROCE Average | 8% | 8% | 8% | 9% |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 6533 | 7586 | 7880 | 9215 | 11156 | 14311 | 16331 | 18265 | 20601 | 24751 | 27185 |
| Minority's Interest | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| Borrowings | 56268 | 67712 | 80519 | 90658 | 103739 | 131888 | 147065 | 154959 | 180567 | 196343 | 210259 |
| Current Liability | 17102 | 19713 | 22533 | 28221 | 32996 | 23804 | 35769 | 43010 | 33931 | 33237 | 40828 |
| Other Liabilities & Provisions | 494 | 593 | 1698 | 2492 | 3105 | 773 | 978 | 158 | -300 | -1018 | -1612 |
| Total Liabilities | 80398 | 95605 | 112630 | 130587 | 150997 | 170779 | 200146 | 216393 | 234803 | 253315 | 276663 |
| Loans | 73248 | 85882 | 101825 | 117652 | 135414 | 166129 | 192946 | 207915 | 228043 | 245222 | 267761 |
| Investments | 180 | 192 | 229 | 264 | 519 | 994 | 1323 | 1889 | 2474 | 4717 | 4759 |
| Fixed Assets | 73 | 86 | 90 | 102 | 102 | 129 | 168 | 294 | 282 | 315 | 388 |
| Other Loans | 172 | 146 | 121 | 136 | 214 | 273 | 245 | 454 | 127 | 261 | 340 |
| Other Non Current Assets | 2 | 13 | 1 | 6 | 77 | 16 | 28 | 36 | 122 | 38 | 40 |
| Current Assets | 6723 | 9286 | 10365 | 12428 | 14671 | 3237 | 5436 | 5805 | 3629 | 2655 | 3136 |
| Total Assets | 80398 | 95605 | 112630 | 130587 | 150997 | 170779 | 200146 | 216393 | 234803 | 253315 | 276663 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1559 | 1421 | 2945 | 2773 | 3774 | 1450 | 1915 | 2803 | 1369 | 1332 | 824 |
| Cash Flow from Operating Activities | -12578 | -11523 | -14345 | -13039 | -14273 | -18977 | -21538 | -14738 | -17140 | -16729 | -19632 |
| Cash Flow from Investing Activities | -27 | -2 | -58 | -58 | -278 | 1368 | -1642 | -1851 | 858 | -1628 | -799 |
| Cash Flow from Financing Activities | 12467 | 13048 | 14232 | 14098 | 15072 | 18074 | 24068 | 15156 | 16245 | 17850 | 20249 |
| Net Cash Inflow / Outflow | -138 | 1524 | -171 | 1001 | 521 | 465 | 887 | -1434 | -37 | -507 | -183 |
| Closing Cash & Cash Equivalent | 1421 | 2945 | 2773 | 3774 | 4295 | 1915 | 2803 | 1369 | 1332 | 824 | 641 |
| # | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 20.76 | 26.12 | 27.65 | 33.05 | 38.49 | 39.9 | 48.22 | 47.49 | 54.3 | 41.56 | 52.55 |
| CEPS(Rs) | 21.04 | 26.34 | 27.88 | 33.24 | 38.67 | 40 | 48.47 | 48.64 | 55.36 | 42.56 | 53.81 |
| DPS(Rs) | 3.8 | 4.5 | 5 | 5.5 | 6.2 | 6.8 | 7.6 | 8 | 8.5 | 8.5 | 8.5 |
| Book NAV/Share(Rs) | 129.46 | 150.31 | 156.14 | 182.59 | 221.05 | 283.59 | 323.61 | 361.93 | 408.23 | 449.93 | 494.18 |
| Net Profit Margin | 13.69 | 14.25 | 13 | 13.37 | 13.8 | 13.5 | 13.99 | 12.18 | 13.79 | 11.44 | 12.73 |
| Operating Margin | 95.39 | 97.16 | 97.01 | 95.25 | 93.84 | 93.62 | 93.6 | 91.53 | 89.61 | 84.8 | 86.71 |
| PBT Margin | 18.42 | 19.78 | 19.71 | 20.64 | 21.13 | 18.7 | 19.5 | 16.63 | 16.93 | 13.95 | 15.68 |
| ROA(%) | 1.44 | 1.5 | 1.34 | 1.37 | 1.38 | 1.25 | 1.31 | 1.15 | 1.22 | 0.94 | 1.09 |
| ROE(%) | 17.22 | 18.72 | 18.07 | 19.51 | 19.07 | 15.77 | 15.89 | 13.9 | 14.11 | 10.08 | 11.13 |
| ROCE(%) | 10.71 | 10.92 | 10.75 | 10.58 | 10.25 | 9.37 | 9.4 | 9.11 | 8.14 | 7.11 | 7.57 |
| Price/Earnings(x) | 10.84 | 9.02 | 15.81 | 14.84 | 16 | 13.41 | 11.06 | 4.95 | 7.88 | 8.65 | 6.25 |
| Price/Book(x) | 1.74 | 1.57 | 2.8 | 2.69 | 2.79 | 1.89 | 1.65 | 0.65 | 1.05 | 0.8 | 0.67 |
| Dividend Yield(%) | 1.69 | 1.91 | 1.14 | 1.12 | 1.01 | 1.27 | 1.42 | 3.4 | 1.99 | 2.36 | 2.59 |
| EV/Net Sales(x) | 10.21 | 9.8 | 10.75 | 10.56 | 10.86 | 11.44 | 11.18 | 10.19 | 11.47 | 12.14 | 11.53 |
| EV/Core EBITDA(x) | 10.69 | 10.08 | 11.07 | 11.07 | 11.57 | 12.21 | 11.94 | 11.1 | 12.76 | 14.26 | 13.26 |
| Interest Earned Growth(%) | 24.71 | 20.45 | 15.96 | 16.03 | 12.81 | 5.71 | 16.94 | 13.46 | 0.73 | 0.47 | 13.72 |
| Net Profit Growth | 15.02 | 25.37 | 5.76 | 19.33 | 16.44 | 3.42 | 21.22 | -1.26 | 14.04 | -16.6 | 26.47 |
| EPS Growth(%) | 13.88 | 25.84 | 5.87 | 19.5 | 16.46 | 3.68 | 20.84 | -1.51 | 14.34 | -23.46 | 26.45 |
| Interest Coverage(x) % | 1.24 | 1.26 | 1.26 | 1.28 | 1.29 | 1.25 | 1.26 | 1.22 | 1.23 | 1.2 | 1.22 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 |
| FII | 23.46 | 23.03 | 20.67 | 20.76 | 19.14 | 17.48 | 17.01 | 20.97 | 21.63 | 22.31 |
| DII | 14.92 | 16.23 | 19.21 | 20.9 | 22.92 | 24.36 | 25.18 | 21.76 | 22.05 | 22.28 |
| Public | 16.38 | 15.5 | 14.88 | 13.1 | 12.7 | 12.92 | 12.57 | 12.04 | 11.08 | 10.18 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 24.88 | 24.88 | 24.88 | 24.88 | 24.88 | 24.88 | 24.88 | 24.88 | 24.88 | 24.88 |
| FII | 12.9 | 12.67 | 11.37 | 11.42 | 10.53 | 9.61 | 9.35 | 11.53 | 11.9 | 12.27 |
| DII | 8.2 | 8.93 | 10.57 | 11.5 | 12.61 | 13.4 | 13.85 | 11.97 | 12.13 | 12.25 |
| Public | 9.01 | 8.52 | 8.18 | 7.21 | 6.99 | 7.11 | 6.92 | 6.62 | 6.1 | 5.6 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 55.01 | 55.01 | 55.01 | 55.01 | 55.01 | 55.01 | 55.01 | 55.01 | 55.01 | 55.01 |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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