LIC Housing Finance Ltd
NSE: LICHSGFIN BSE: 500253
₹507.60
(-3.55)%
Sun, 01 Feb 2026, 05:44 pm
Market Cap289.53B
PE Ratio5.09
Dividend1.90
Finance
Finance/Rental/Leasing
24.5KAnalysis
dividend
- Dividends per share have increased over the past 10 years.
- Dividends paid are thoroughly covered by earnings (7x coverage).
- Dividends after 3 years are expected to be thoroughly covered by earnings (7.8x coverage).
- Dividends per share have been stable in the past 10 years.
- LIC Housing Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- LIC Housing Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- LIC Housing Finance's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
- LIC Housing Finance's earnings are expected to decrease over the next 1-3 years, this is below the India market average.
- LIC Housing Finance's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 7.2%.
- LIC Housing Finance's earnings are expected to decrease over the next year.
- LIC Housing Finance's net income is expected to decrease over the next 2 years.
- LIC Housing Finance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- Performance (ROE) is not expected to exceed the current IN Mortgage industry average.
- A decline in LIC Housing Finance's performance (ROE) is expected over the next 3 years.
- LIC Housing Finance's revenue is expected to increase but not above the 50% threshold in 2 years time.
- LIC Housing Finance's revenue is expected to grow by 4.6% yearly, however this is not considered high growth (20% yearly).
- LIC Housing Finance's revenue growth is positive but not above the India market average.
health
- LIC Housing Finance's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
- LIC Housing Finance reports no customer deposits, loans are made up entirely of borrowed funds.
management
- The tenure for the LIC Housing Finance board of directors is about average.
- The average tenure for the LIC Housing Finance management team is less than 2 years, this suggests a new team.
misc
- LIC Housing Finance is covered by less than 3 analysts.
- LIC Housing Finance has significant price volatility in the past 3 months.
past
- LIC Housing Finance's 1-year earnings growth exceeds its 5-year average (14.9% vs 12.4%)
- LIC Housing Finance's year on year earnings growth rate has been positive over the past 5 years.
- LIC Housing Finance's earnings growth has exceeded the IN Mortgage industry average in the past year (14.9% vs -25.5%).
- LIC Housing Finance used its assets less efficiently than the IN Mortgage industry average last year based on Return on Assets.
- LIC Housing Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- LIC Housing Finance is good value based on earnings compared to the IN Mortgage industry average.
- LIC Housing Finance is good value based on earnings compared to the India market.
- BSE:500253 is up 11.8% outperforming the Mortgage industry which returned 7.7% over the past month.
- BSE:500253 is up 11.8% outperforming the market in India which returned 8% over the past month.
- LIC Housing Finance's share price is below the future cash flow value, but not at a moderate discount (< 20%).
- LIC Housing Finance's share price is below the future cash flow value, but not at a substantial discount (< 40%).
- LIC Housing Finance is overvalued based on assets compared to the IN Mortgage industry average.
- LIC Housing Finance earnings are not expected to grow next year, we can't assess if its growth is good value.
- 500253 underperformed the Mortgage industry which returned -26.3% over the past year.
- 500253 underperformed the Market in India which returned -14.5% over the past year.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800