Should I buy LIC Housing Finance Ltd stock at the current price?

Whether to buy LIC Housing Finance Ltd stock at ₹518 depends on multiple factors including P/E ratio of 5.20, P/B ratio of N/A, and your investment goals. Consult a financial advisor for personalized advice.

What is the dividend yield of LIC Housing Finance Ltd?

LIC Housing Finance Ltd offers a dividend yield of 1.93%, which means for every ₹100 invested at the current price, you can expect to receive approximately ₹1.93 annually as dividends.

How is LIC Housing Finance Ltd stock performing today?

LIC Housing Finance Ltd opened at ₹520 and is trading at ₹518, showing a decline of 1.88% with volume of 17,95,199 shares.

What is the P/E ratio of LIC Housing Finance Ltd?

LIC Housing Finance Ltd has a P/E ratio of 5.20, meaning investors pay ₹5.20 for every ₹1 of earnings. With EPS of ₹99.72, compare this with industry peers for better context.

What is the market capitalization of LIC Housing Finance Ltd?

LIC Housing Finance Ltd has a market cap of ₹28,531.77 crores, making it a mid-cap company.

What is the book value and P/B ratio of LIC Housing Finance Ltd?

LIC Housing Finance Ltd has a book value of ₹660.87 per share and P/B ratio of N/A. Current price is ₹518.

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LIC Housing Finance

Q: What are the key financial ratios of LIC Housing Finance Ltd?

LIC Housing Finance Ltd's key metrics include P/E Ratio: 5.20, P/B Ratio: N/A, ROE: 7.27%, ROCE: 8.93%, EPS: ₹99.72, and Debt-to-Equity: 7.22.

Large Cap•2,349 Employees•IPO 1994

Chart

Current Price

₹518.00

-9.95 (-1.88%)Updated

NSE :LICHSGFIN

BSE :500253

Sector :Financial Services

Valuation vs Sector

P/E Ratio

5.29vs 20.04

73.6%Cheaper

P/B Ratio

0.75vs 2.26

66.8%Cheaper

Div Yield

1.93%vs 0.54%

257.4%Better

Today's Range

₹511.15

₹518.00

₹523.60

52 Week Range

52W Low₹485.60

52W High₹646.50

₹518.00

Downside6.67%

Upside24.81%

Chart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

Loading chart...

Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap

₹28,531.77 Cr

Market Cap

Total market value of company

P/E Ratio

5.20

P/E Ratio

Price to Earnings. Lower is generally better (<25 is good)

P/B Ratio

0.81

P/B Ratio

Price to Book Value. <3 may indicate undervaluation

EPS

₹99.72

EPS

Earnings Per Share. Higher and growing is positive

Profitability

ROE

7.27%

ROE

Return on Equity. >15% is good, >20% is excellent

ROCE

8.93%

ROCE

Return on Capital Employed. >15% is good

Net Margin

19.02%

Net Margin

Net profit as % of revenue. >10% is good

Operating Margin

Operating profit margin. >15% is good

Growth

EPS Growth (5Y)

15.76%

EPS Growth (5Y)

5-year EPS growth. >15% is strong

Revenue Growth (5Y)

7.27%

Revenue Growth (5Y)

5-year revenue growth. >10% is good

Qtr Sales Growth

6.67%

Qtr Sales Growth

Quarter-over-quarter sales growth

Qtr Profit Growth

4.41%

Qtr Profit Growth

Quarter-over-quarter profit growth

Financial Health

Debt/Equity

7.22

Debt/Equity

Financial leverage. <1 is good, <0.5 is excellent

Book Value

₹660.87

Book Value

Net asset value per share

Dividend Yield

1.93%

Dividend Yield

Annual dividend as % of price. >2% is good

Promoter Holding

45.20%

Promoter Holding

Promoter stake. >50% shows confidence

Good

Average

Needs Attention

SWOT Analysis

Strengths

4 points

•The company exhibits a low P/E ratio of 5.89, potentially indicating undervaluation compared to its earnings. A robust 16.00% Return on Equity (ROE) highlights strong profitability and efficient utilization of shareholder capital.
•Impressive operating profit margins (OPM) of 94.10% demonstrate strong efficiency in managing costs and generating core business profits. A decent dividend yield of 1.71% further enhances investor returns, reflecting financial health.

Weaknesses

4 points

•A high debt-to-equity ratio of 7.45 indicates substantial reliance on debt financing, posing a significant risk during economic downturns or periods of rising interest rates, impacting financial flexibility.
•The Return on Assets (ROA) is relatively low at 1.80%, suggesting that the company's assets are not generating profits as efficiently as possible. This metric warrants closer examination by investors for asset utilization.

Opportunities

4 points

•Growing housing demand in India, fueled by government affordable housing initiatives and rising disposable incomes, presents a significant market expansion opportunity for the company to increase its loan portfolio.
•With a low P/E ratio of 5.89 compared to peers (e.g., Aadhar Hsg. Fin. at 23.46), there's an opportunity for market re-rating as the company sustains performance and effectively addresses its debt concerns.

Threats

4 points

•Intense competition from other housing finance companies and banks could exert significant pressure on lending margins and market share, potentially impacting LIC Housing Finance's overall profitability and growth.
•Adverse changes in interest rates or regulatory policies by the RBI could significantly impact the company's borrowing costs, loan demand, and overall profitability within the dynamic housing finance sector.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

Level	Price	Distance	% Change
R4	₹548.92	+₹30.92	+5.97%
R3	₹536.47	+₹18.47	+3.56%
R2	₹530.03	+₹12.03	+2.32%
R1	₹524.02	+₹6.02	+1.16%
PIVOT	₹517.58	-0.42	-0.08%
CURRENT	₹518.00	-	-
S1	₹486.67	-₹31.33	-6.05%
S2	₹499.12	-₹18.88	-3.65%
S3	₹505.13	-₹12.87	-2.48%
S4	₹511.57	-₹6.43	-1.24%

CPR Levels

Support

Resistance

| CPR |

BC: N/AP: N/ATC: N/A

LTP: N/A

PDH: N/A

PDL: N/A

● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume

1.80M

(04 Mar 2026)

+17.3% vs avg

Delivery %

48.4%

(04 Mar 2026)

-5.6% vs avg

Avg Volume (20D)

1.53M

(04 Feb - 04 Mar)

20-day average

Avg Delivery %

53.9%

(04 Feb - 04 Mar)

Trend ↓

Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap

Bajaj Housing Finance Ltd

73,949.47 ₹ Cr

Best Profit Growth

India Shelter Finance Corporation Ltd

43.00 %

Highest Dividend Yield

GIC Housing Finance Ltd

2.81 %

Peer Comparison

Company Name
Aadhar Housing Finance Ltd
AAVAS Financiers Ltd
Aptus Value Housing Finance India Ltd
Bajaj Housing Finance Ltd
Can Fin Homes Ltd
GIC Housing Finance Ltd
Home First Finance Company India Ltd
IIFL Finance Ltd
India Shelter Finance Corporation Ltd
PNB Housing Finance Ltd
Sammaan Capital Ltd

About

LIC Housing Finance Ltd

LIC Housing Finance Limited (LICHSGFIN) is a prominent housing finance company operating primarily within India. Its core business centers around providing a diverse range of loans to facilitate the purchase, construction, renovation, and repair of residential and commercial properties. This includes home loans catering to a wide spectrum of customers, from salaried individuals and professionals to retired government employees and businesses.

The company's loan portfolio encompasses various types of financing solutions. Beyond standard home loans, LICHSGFIN offers plot loans, home improvement and construction loans, home extension loans, and top-up loans. They also extend their services to builders and developers, providing construction finance and term loans. Furthermore, they offer loans against properties, loans against securities, and loans under rental securitization, showcasing a comprehensive approach to real estate financing.

Beyond its primary lending activities, LICHSGFIN diversifies its operations into several other financial services. This includes accepting public and corporate deposits, providing refinance options, and offering credit facilities to corporates for various purposes, such as staff quarters financing. The company also engages in the development and operation of assisted living communities for senior citizens, highlighting a commitment to broader societal needs.

LICHSGFIN's distribution network involves a multi-faceted approach, leveraging home loan agents, direct sales agents, and customer relation associates to reach a broad customer base. This allows them to effectively serve individual clients, as well as small and medium-sized enterprises (SMEs). The company also offers ancillary financial services such as asset management, trusteeship services, and acts as a marketing channel for various financial products including life and general insurance, mutual funds, fixed deposits, and credit cards.

In summary, LICHSGFIN's business model combines core housing finance operations with a diverse range of related financial services, establishing a comprehensive and diversified financial services platform catering to both individual and corporate clients within the Indian market. Its long history, since its incorporation in 1989, demonstrates its established presence and experience within the Indian financial landscape.

COMPANY FACTS - LICHSGFIN

Registered Address

131, Maker Tower-F Premises, 13th Floor,, Cuffe Parade

Mumbai

MAHARASHTRA

Tel: 912222178600

Website:https://www.lichousing.com/

Investor Relations:http://www.lichousing.com/annual-report

Company Details

Group: Financial Services

Sector: Financials

Industry: Financial Services

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 2,349

IPO Date: 15/09/1994

MANAGEMENT - LICHSGFIN

Shri. Siddhartha Mohanty

Non-Executive Chairman of the Board

Sri. Tribhuwan Adhikari

Chief Executive Officer, Managing Director, Additional Director

Shri. Sudipto Sil

Chief Financial Officer

Ms. Varsha Hardasani

Compliance Officer, Company Secretary

Mr. Vinay Thapa

Regional Manager, Northern Regional Office

Shri. Mukkavilli Jagannath

Non-Executive Director - Nominee of the LICI

Shri. Pottimutyala Rao

Non-Executive Non-Independent Director

Shri. Akshay Rout

Non-Executive Non-Independent Director

Mr. Ramesh Adige

Non-Executive Independent Director

Ms. Jagennath Jayanthi

Non-Executive Independent Director

Shri. Anil Kaul

Additional Non-Executive Independent Director

Shri. Kashi Khandelwal

Non-Executive Independent Director

Investor Questions Answered

LIC Housing Finance Ltd (LICHSGFIN) Stock FAQs

Get answers to the most common questions about LIC Housing Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of LIC Housing Finance Ltd (LICHSGFIN) is ₹518. Today, the stock has declined by ₹9.95 (1.88%), trading in a range of ₹511.15 to ₹523.6. The stock opened at ₹520 with a trading volume of 17,95,199 shares.

LIC Housing Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹28,531.77 crores, P/E ratio of 5.20, ROE of 7.27%, and ROCE of 8.93%. The dividend yield stands at 1.93%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.

The 52-week high price of LIC Housing Finance Ltd (LICHSGFIN) is ₹646.5, while the 52-week low is ₹485.6. Currently trading at ₹518, the stock is 20.1% away from its 52-week low and 19.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.

Whether to buy LIC Housing Finance Ltd stock at ₹518 depends on multiple factors. The stock is currently trading with a P/E ratio of 5.20 and P/B ratio of N/A. Today's performance shows a loss of 1.88%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.

LIC Housing Finance Ltd offers a dividend yield of 1.93%, which means for every ₹100 invested at the current price of ₹518, you can expect to receive approximately ₹1.93 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.

LIC Housing Finance Ltd's key financial metrics include: P/E Ratio: 5.20, P/B Ratio: N/A, ROE: 7.27%, ROCE: 8.93%, Dividend Yield: 1.93%, EPS: ₹99.72, Book Value: ₹660.87, Debt-to-Equity: 7.22, and Current Ratio: N/A. The company's market cap stands at ₹28,531.77 crores. These metrics help evaluate the company's valuation, profitability, and financial health.

LIC Housing Finance Ltd stock opened at ₹520 and is currently trading at ₹518, showing a decline of ₹9.95 (1.88%). The intraday high is ₹523.6 and low is ₹511.15. The trading volume stands at 17,95,199 shares, indicating strong market participation today.

LIC Housing Finance Ltd has a Price-to-Earnings (P/E) ratio of 5.20, which means investors are willing to pay ₹5.20 for every ₹1 of earnings. With an EPS of ₹99.72, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.

LIC Housing Finance Ltd has a market capitalization of ₹28,531.77 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹518) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.

LIC Housing Finance Ltd has a book value of ₹660.87 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹518, which is 21.6% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.

LIC Housing Finance Ltd has a Return on Equity (ROE) of 7.27% and Return on Capital Employed (ROCE) of 8.93%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.

LIC Housing Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.

LIC Housing Finance Ltd has a debt-to-equity ratio of 7.22, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.

LIC Housing Finance Ltd has an Earnings Per Share (EPS) of ₹99.72, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹518 and P/E ratio of 5.20, investors are paying 5.20 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.

LIC Housing Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.

LIC Housing Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.

To analyze LIC Housing Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (5.20), ROE (7.27%), debt-to-equity (7.22), and growth rates. 2) Technical Analysis - Check 52-week range (₹485.60 - ₹646.50), moving averages, and chart patterns. 3) Valuation - Compare current price (₹518.00) with book value (₹660.87) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.

The face value (or par value) of LIC Housing Finance Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹518 is 25800x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.

Investing in LIC Housing Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹485.60 - ₹646.50). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 7.22 indicates leverage. 4) Liquidity Risk - Based on trading volume of 17,95,199 shares. 5) Valuation Risk - P/E of 5.20 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.

LIC Housing Finance Ltd operates in the industry with key metrics: P/E ratio of 5.20, ROE of 7.27%, market cap of ₹28,531.77 crores, and dividend yield of 1.93%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 7.22), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.

Target prices for LIC Housing Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹518, with a 52-week range of ₹485.60 to ₹646.50. Based on fundamentals like P/E (5.20), ROE (7.27%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.

Consider selling LIC Housing Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹518.00. 2) Fundamental Deterioration - Declining ROE (currently 7.27%), increasing debt (D/E: 7.22), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.

Tax implications for LIC Housing Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 1.93%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.