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LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residentialflats / houses to individuals andproject 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)
Largest HFCThe company is the largest housing finance company in India with a total loan portfolio of Rs. ~2,87,000 Cr in FY24 vs Rs. ~2,10,000 Cr in FY20.[1][2]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Housing | 96.31 | 33.96 | 80182.57 | 0.00 | 642.96 | 17.84 | 2754.85 | 14.30 | 9.55 | 10327.38 | 90.96 | 2360.96 | 642.96 | 3.79 | 2.35 | 4.44 |
| 2. | Piramal Finance. | 1500.80 | 54.77 | 33990.58 | 0.00 | 326.99 | 150.22 | 2871.55 | 21.42 | 7.73 | 10150.20 | 58.14 | 620.66 | 407.79 | 1.24 | 0.60 | 2.61 |
| 3. | LIC Housing Fin. | 546.95 | 5.46 | 30102.13 | 1.83 | 1353.87 | 1.88 | 7163.32 | 3.43 | 8.93 | 28737.11 | 93.99 | 5513.71 | 1353.87 | 0.78 | 1.79 | 7.10 |
| 4. | PNB Housing | 882.25 | 10.47 | 23006.95 | 0.57 | 626.49 | 32.82 | 2167.91 | 16.08 | 9.46 | 8184.49 | 93.96 | 2196.76 | 626.49 | 1.28 | 2.52 | 3.62 |
| 5. | Aadhar Hsg. Fin. | 481.35 | 21.12 | 20868.56 | 0.00 | 266.47 | 17.12 | 897.13 | 17.38 | 11.42 | 3375.53 | 76.35 | 987.93 | 266.47 | 3.02 | 4.31 | 2.55 |
| 6. | Aptus Value Hou. | 283.95 | 16.84 | 14202.58 | 1.58 | 226.55 | 24.50 | 544.04 | 29.11 | 15.05 | 1998.39 | 84.25 | 843.33 | 226.55 | 3.05 | 7.42 | 1.57 |
| 7. | Sammaan Capital | 149.69 | 9.77 | 12405.43 | 0.00 | 308.47 | 111.17 | 2250.60 | -7.10 | 3.65 | 8774.88 | 74.43 | 1269.25 | 308.47 | 0.55 | -2.52 | 2.04 |
| – | Median: 16 Co. | 443.35 | 15.65 | 11815.94 | 0.45 | 195.24 | 24.75 | 605.53 | 14.98 | 9.82 | 2262.96 | 77.97 | 611.96 | 195.24 | 1.51 | 2.44 | 2.67 |
Standalone figures in ₹ crores
| Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 798 | 1,026 | 564 | 585 | 666 | 680 | 793 | 384 | 365 | 288 | 538 | 463 | 439 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 6 | 5 | 0 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 6 |
Profit before tax | 379 | 593 | 1,445 | 1,649 | 1,480 | 1,449 | 1,476 | 1,628 | 1,664 | 1,793 | 1,770 | 1,699 | 1,705 |
Tax % | 20% | 19% | 18% | 20% | 20% | 20% | 26% | 20% | 20% | 20% | 23% | 20% | 21% |
Net Profit | 305 | 480 | 1,180 | 1,324 | 1,188 | 1,163 | 1,091 | 1,300 | 1,329 | 1,432 | 1,368 | 1,360 | 1,354 |
EPS in Rs | 5.54 | 8.73 | 21.46 | 24.06 | 21.60 | 21.14 | 19.83 | 23.64 | 24.16 | 26.03 | 24.87 | 24.72 | 24.61 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 327 | 377 | 605 | 884 | 921 | 1,082 | 1,569 | 1,997 | 2,945 | 2,866 | 2,725 | 1,575 | 1,727 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 34 | 16 | 12 | 8 | 0 | 0 | -33 | -5 | 28 | 12 | 1 | 0 | 6 |
Interest | 7,174 | 8,310 | 9,307 | 10,231 | 11,144 | 12,892 | 14,784 | 14,453 | 14,177 | 16,186 | 18,391 | 19,532 | 19,945 |
Depreciation | 8 | 9 | 10 | 9 | 10 | 12 | 48 | 49 | 52 | 66 | 65 | 94 | 105 |
Profit before tax | 1,826 | 2,102 | 2,564 | 2,956 | 2,766 | 3,380 | 3,269 | 3,349 | 2,778 | 3,557 | 6,054 | 6,856 | 6,967 |
Net Profit | 1,317 | 1,386 | 1,661 | 1,931 | 2,002 | 2,431 | 2,402 | 2,734 | 2,287 | 2,891 | 4,765 | 5,429 | 5,514 |
EPS in Rs | 26.10 | 27.47 | 32.91 | 38.26 | 39.68 | 48.17 | 47.59 | 54.18 | 41.58 | 52.56 | 86.63 | 98.70 | 100.23 |
Dividend Payout % | 17% | 18% | 17% | 16% | 17% | 16% | 17% | 16% | 20% | 16% | 10% | 10% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 101 | 110 | 110 | 110 | 110 | 110 |
Reserves | 7,432 | 7,717 | 9,045 | 10,976 | 14,140 | 16,158 | 18,092 | 20,420 | 24,562 | 26,990 | 31,285 | 36,147 | 38,312 |
Borrowings | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Liabilities | 6,208 | 8,195 | 10,421 | 13,486 | 5,934 | 13,657 | 7,155 | 7,129 | 6,094 | 6,362 | 7,111 | 6,895 | 7,724 |
Total Liabilities | 95,777 | 112,545 | 130,498 | 150,900 | 171,090 | 200,583 | 216,806 | 235,633 | 254,567 | 278,412 | 291,168 | 313,927 | 319,059 |
Fixed Assets | 76 | 80 | 92 | 97 | 97 | 136 | 254 | 243 | 286 | 356 | 361 | 351 | 404 |
Gross Block | 134.67 | 150.77 | 167.74 | 173.15 | 106.18 | 156.58 | 320.26 | 368.40 | 445.81 | 611.95 | 689.14 | 771.26 | – |
Accumulated Depreciation | 59.07 | 71.12 | 75.72 | 76.62 | 9.06 | 20.73 | 66.21 | 125.01 | 159.68 | 255.74 | 328.29 | 420.75 | – |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 1 | 1 | 0 | 52 | 0 |
Investments | 199 | 237 | 277 | 527 | 1,972 | 3,595 | 5,496 | 4,636 | 6,199 | 6,976 | 6,277 | 7,142 | 5,133 |
Other Assets | 95,502 | 112,228 | 130,129 | 150,277 | 169,021 | 196,853 | 211,055 | 230,751 | 248,081 | 271,079 | 284,530 | 306,382 | 313,521 |
Total Assets | 95,777 | 112,545 | 130,498 | 150,900 | 171,090 | 200,583 | 216,806 | 235,633 | 254,567 | 278,412 | 291,168 | 313,927 | 319,059 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | -11,503 | -14,354 | -13,036 | -14,279 | -19,005 | -21,529 | -14,715 | -17,195 | -16,740 | -19,612 | -7,061 | -16,689 |
Cash from Investing Activity | -21 | -51 | -61 | -283 | 1,380 | -1,656 | -1,879 | 884 | -1,601 | -830 | 579 | -884 |
Cash from Financing Activity | 13,048 | 14,231 | 14,098 | 15,073 | 18,085 | 24,078 | 15,158 | 16,274 | 17,835 | 20,239 | 7,300 | 17,413 |
Net Cash Flow | 1,525 | -174 | 1,001 | 511 | 460 | 893 | -1,436 | -37 | -507 | -203 | 818 | -159 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | – | – | – | – | – | – | – | – | – | – | – | – |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | – | – | – | – | – | – | – | – | – | – | – | – |
Working Capital Days | – | – | – | – | – | – | – | – | – | – | – | – |
ROCE % | – | – | – | – | – | – | – | – | – | – | – | – |
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