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Swing Capital

LIC Housing Finance Ltd

NSE: LICHSGFIN BSE: 500253Banking

LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residential flats / houses to individuals and project finance to developers, Loan against Property (LAP), Lease Rental Discounting (LRD)for commercial properties as well as purchase of commercial shops/showrooms. etc.(Source : 201903 Annual Report Page No: 36 and 50)

₹545
52W: ₹459 — ₹647
PE 5.41 · Book ₹751 · -27% vs book
Market Cap₹29,978 Cr
Stock P/E5.41Price to Earnings
ROCE8.58%Return on Capital
ROE14.4%Return on Equity
Div. Yield1.82%Face Value ₹2

Strengths

  • +Stock is trading at 0.72 times its book value

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 7.70% over past five years.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters45.24%
FIIs21.39%
DIIs20.89%
Public12.49%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters45.24%45.24%45.24%45.24%45.24%45.24%45.24%45.24%
FIIs23.19%21.95%▼1.221.24%▼0.721.55%▲0.320.25%▼1.320.17%▼0.120.36%▲0.221.39%▲1.0
DIIs21.22%20.53%▼0.721.44%▲0.921.34%▼0.122.2%▲0.922.14%▼0.121.81%▼0.320.89%▼0.9
Public10.36%12.29%▲1.912.08%▼0.211.87%▼0.212.31%▲0.412.45%▲0.112.6%▲0.212.49%▼0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses680793384365288534463439466443
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit1,1631,0911,3001,3291,4321,3681,3601,3541,3841,497
EPS ₹21.1419.8323.6424.1626.0324.8724.7224.6125.1627.22

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 20.89% (-4.14pp change). FIIs: 21.39% (+4.24pp change). Promoters hold 45.24%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 5.41x with 8.58% ROCE. Price is -27% above book value of ₹751. Dividend yield: 1.82%.

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