Income Statement LIC Housing Finance Limited

Stocks

LICHSGFIN

INE115A01026

Banks

Market Closed - NSE India S.E. Other stock markets 07:05:08 2026-07-17 am EDT			5-day change	1st Jan Change
549.90 ^INR	+0.58%		+0.14%	+1.92%

Jul. 17	Emkay Global Financial Services Starts LIC Housing Finance at Add With INR580 Price Target	MT
Jul. 06	LIC Housing Finance Limited announces Annual dividend, payable on September 27, 2026	CI

320bd6f04fcdd73a418da87652.mZbwErnHzQmFskNUkK6le9_zxYGWwh7ZDJgdzyvzR40.2MKKZIqIglHP0CwW9unLFLi8h_enkyavf_to_XnLPc_M2cdr3L-bZLL0NA

Published financial data: LIC HOUSING FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	197B	197B	225B	271B	277B
Interest Expense, Total	145B	142B	161B	184B	195B
Net Interest Income	52.59B	55.67B	64.11B	86.82B	81.61B
Commission and Fees	988M	1.18B	670M	666M	640M
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	774M	1.42B	1.04B	1.44B	3.57B
Revenues Before Provison For Loan Losses	54.35B	58.27B	65.82B	88.92B	85.82B
Provision For Loan Losses	-	-	19.36B	16.23B	2.61B
Total Revenues	54.35B	58.27B	46.46B	72.69B	83.21B
Salaries And Other Employee Benefits	3.24B	6.02B	5.16B	6.5B	7.55B
Cost of Services Provided, Total	1.45B	1.8B	2.5B	2.12B	2.28B
Depreciation & Amortization - (IS) - (Collected)	525M	552M	690M	692M	978M
Provision for Bad Debts	-	230M	-	-	-
Other Operating Expenses	15.43B	22.07B	2.61B	2.75B	3.65B
Total Operating Expenses	20.65B	30.67B	10.97B	12.05B	14.45B
Operating Income	33.7B	27.6B	35.49B	60.64B	68.76B
Income (Loss) on Equity Invest.	-	-	-	-	29.4M
Currency Exchange Gains (Loss)	-53.1M	274M	112M	-	-
Other Non Operating Income (Expenses)	100K	-	100K	-	-
EBT, Excl. Unusual Items	33.65B	27.87B	35.61B	60.64B	68.79B
Gain (Loss) on Sale of Assets	100K	100K	1.6M	4M	1M
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	33.65B	27.87B	35.61B	60.64B	68.79B
Income Tax Expense	6.24B	5.01B	6.7B	13.05B	14.36B
Earnings From Continuing Operations	27.41B	22.86B	28.91B	47.6B	54.43B
Net Income to Company	27.41B	22.86B	28.91B	47.6B	54.43B
Minority Interest	-4.1M	-3.5M	-4.1M	-3.5M	-4.7M
Net Income - (IS)	27.41B	22.86B	28.91B	47.59B	54.42B
Net Income to Common Incl Extra Items	27.41B	22.86B	28.91B	47.59B	54.42B
Net Income to Common Excl. Extra Items	27.41B	22.86B	28.91B	47.59B	54.42B
Per Share Items
Net EPS - Basic	54.31	43.11	52.55	86.52	98.94
Basic EPS - Continuing Operations	54.31	43.11	52.55	86.52	98.94
Basic Weighted Average Shares Outstanding	505M	530M	550M	550M	550M
Net EPS - Diluted	54.31	43.11	52.55	86.52	98.94
Diluted EPS - Continuing Operations	54.31	43.11	52.55	86.52	98.94
Diluted Weighted Average Shares Outstanding	505M	530M	550M	550M	550M
Normalized Basic EPS	41.67	32.85	40.45	68.89	78.15
Normalized Diluted EPS	41.67	32.85	40.45	68.89	78.15
Dividend Per Share	8.5	8.5	8.5	9	10
Payout Ratio	14.73	20.46	15.98	9.82	9.1
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Total Revenues (As Reported)	199B	200B	227B	273B	281B
Effective Tax Rate - (Ratio)	18.54	17.98	18.8	21.52	20.88
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	9.46B	9.52B	11.96B	10.46B	10.73B
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-3.22B	-4.51B	-5.26B	2.59B	3.63B
Normalized Net Income	21.03B	17.42B	22.25B	37.9B	42.99B
Non-Cash Pension Expense	66.3M	356M	100M	364M	504M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	13.32B	8.24B	6.41B	14.23B	12.89B
Long-Term Investments - (FS Template)	24.57B	46.82B	46.79B	46.58B	45.4B
Trading Asset Securities, Total	21.92B	16.76B	23.7B	16.79B	26.61B
Loans and Lease Receivables - (FS Template)	2,281B	2,452B	2,678B	2,805B	3,028B
Other Receivables	1.21B	1.15B	1.06B	1.66B	295M
Gross Property Plant And Equipment	3.23B	3.46B	4.11B	3.95B	6.52B
Accumulated Depreciation	-408M	-505M	-584M	-668M	-3.28B
Net Property Plant And Equipment	2.82B	2.96B	3.53B	3.28B	3.23B
Goodwill	2.1M	2.1M	2.1M	2.1M	2.1M
Other Intangibles, Total	59.4M	232M	362M	319M	760M
Other Current Assets, Total	2.38B	4.63B	5.04B	7.31B	9.73B
Deferred Tax Assets Long-Term (Collected)	9.19B	13.71B	18.96B	16.38B	13B
Other Long-Term Assets, Total	828M	600K	1.97B	1.46B	715M
Total Assets	2,357B	2,547B	2,786B	2,913B	3,140B
Liabilities
Interest Bearing Deposits	185B	184B	116B	99.37B	82.09B
Deposits	185B	184B	116B	99.37B	82.09B
Accounts Payable, Total	860M	540M	337M	706M	2.16B
Accrued Expenses, Total	51.02B	47.09B	48.1B	53.7B	59.46B
Short-Term Borrowings	163B	194B	216B	166B	335B
Current Portion of Long-Term Debt	456B	464B	564B	606B	549B
Current Portion of Leases	358M	401M	504M	54.8M	513M
Long-Term Debt	1,289B	1,403B	1,558B	1,658B	1,741B
Long-Term Leases	918M	1.1B	1.34B	1.65B	1.33B
Current Income Taxes Payable	77.6M	-	38.7M	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	824M	593M	3.6B	2.43B	647M
Pension & Other Post Retirement Benefits	1.42B	1.7B	1.77B	2.38B	935M
Deferred Tax Liability Non-Current	900K	1.2M	1.2M	-	-
Other Non Current Liabilities	2.32B	2.37B	3.85B	7.98B	4.24B
Total Liabilities	2,151B	2,299B	2,514B	2,599B	2,777B
Common Stock, Total	1.01B	1.1B	1.1B	1.1B	1.1B
Additional Paid In Capital	17.21B	40.48B	40.48B	40.48B	40.48B
Retained Earnings	186B	203B	227B	270B	320B
Comprehensive Income and Other	2.26B	3.14B	3.18B	3.15B	2.43B
Total Common Equity	206B	248B	272B	315B	364B
Minority Interest	27.1M	29.2M	31.9M	34M	37.2M
Total Equity	206B	248B	272B	315B	364B
Total Liabilities And Equity	2,357B	2,547B	2,786B	2,913B	3,140B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	505M	550M	550M	550M	550M
ECS Total Common Shares Outstanding	505M	550M	550M	550M	550M
Book Value / Share	408.22	449.96	494.21	572.24	660.87
Tangible Book Value	206B	247B	271B	314B	363B
Tangible Book Value Per Share	408.1	449.54	493.55	571.65	659.48
Total Debt	1,910B	2,063B	2,340B	2,432B	2,627B
Debt Equivalent of Unfunded Proj. Benefit Obligation	867M	1.05B	1.01B	1.35B	2.58B
Net Debt	1,875B	2,038B	2,309B	2,401B	2,588B
Equity Method Investments, Total	550M	557M	560M	813M	841M
Full Time Employees	2.43K	2.47K	2.35K	2.35K	2.35K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	27.41B	22.86B	28.91B	47.59B	54.42B
Depreciation, Depletion & Amortization	518M	528M	634M	604M	875M
Total Depreciation, Depletion & Amortization	518M	528M	634M	604M	875M
Amortization of Deferred Charges, Total	6.6M	36.5M	56.5M	88.7M	103M
Minority Interest in Earnings - (CF)	-4.1M	-3.5M	-4.1M	-3.5M	-4.7M
(Gain) Loss On Sale of Asset - (CF)	-1.26B	188M	-1.6M	400K	-1M
(Gain) Loss on Sale of Investments - (CF)	305M	486M	-5.4B	208M	247M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	12.87B	19.4B	19.36B	16.23B	2.61B
(Income) Loss On Equity Investments - (CF)	20.6M	6.9M	2.4M	37.6M	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-216B	-191B	-238B	-146B	-222B
Change in Other Net Operating Assets (Collected)	8.91B	-7.94B	2.23B	1.77B	-7.32B
Other Operating Activities	54.23B	-11.68B	-4.21B	8.18B	4.77B
Cash from Operations	-113B	-167B	-196B	-71.51B	-166B
Capital Expenditure	-108M	-353M	-641M	-374M	-734M
Sale of Property, Plant, and Equipment	100K	200K	236M	8M	1M
Divestitures	4.3M	4.9M	2.7M	3.5M	2.4M
Investment in Marketable and Equity Securities, Total	8.69B	-15.99B	-7.59B	6.23B	-8.66B
Other Investing Activities, Total	-	54.7M	4.3M	-	5.2M
Cash from Investing	8.58B	-16.28B	-7.99B	5.87B	-9.39B
Long-Term Debt Issued, Total	1,204B	1,523B	1,822B	1,464B	1,728B
Total Debt Issued	1,204B	1,523B	1,822B	1,464B	1,728B
Long-Term Debt Repaid, Total	-1,096B	-1,363B	-1,546B	-1,370B	-1,532B
Total Debt Repaid	-1,096B	-1,363B	-1,546B	-1,370B	-1,532B
Issuance of Common Stock	-	23.34B	-	-	-
Common Dividends Paid	-4.04B	-4.68B	-4.62B	-4.68B	-4.95B
Common & Preferred Stock Dividends Paid	-4.04B	-4.68B	-4.62B	-4.68B	-4.95B
Other Financing Activities, Total	-12.2M	-408M	-68.24B	-16.01B	-16.55B
Cash from Financing	104B	179B	202B	73.46B	174B
Foreign Exchange Rate Adjustments	-100K	-3.1M	100K	-100K	-
Miscellaneous Cash Flow Adjustments	100K	-	-	-	-
Net Change in Cash	-374M	-5.08B	-1.83B	7.81B	-1.34B
Supplemental Items
Cash Interest Paid	150B	146B	160B	180B	191B
Cash Income Tax Paid (Refund)	6.33B	10.93B	10.54B	14.75B	12.11B
Net Debt Issued / Repaid	108B	160B	275B	94.14B	196B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.21	0.93	1.08	1.67	1.8
Return On Equity %	14.1	10.08	11.13	16.23	16.05
Return on Common Equity	14.1	10.08	11.13	16.23	16.05
Margin Analysis
Gross Profit Margin %	98.12	97.4	95.56	97.55	97.83
SG&A Margin	6.75	10.82	12.06	9.4	9.64
Income From Continuing Operations Margin %	50.43	39.23	62.23	65.47	65.41
Net Income Margin %	50.43	39.23	62.22	65.47	65.4
Net Avail. For Common Margin %	50.43	39.23	62.22	65.47	65.4
Normalized Net Income Margin	38.69	29.89	47.89	52.13	51.66
Asset Turnover
Asset Turnover	0.02	0.02	0.02	0.03	0.03
Short Term Liquidity
Current Ratio	2.71	2.79	2.86	3.07	2.99
Quick Ratio	2.7	2.78	2.86	3.06	2.98
Operating Cash Flow to Current Liabilities	-0.13	-0.19	-0.21	-0.08	-0.16
Long Term Solvency
Total Debt/Equity	926.92	833.32	860.53	772.54	722.67
Total Debt / Total Capital	90.26	89.29	89.59	88.54	87.84
LT Debt/Equity	626.03	567.31	573.64	527.29	479.24
Long-Term Debt / Total Capital	60.96	60.78	59.72	60.43	58.25
Total Liabilities / Total Assets	91.26	90.28	90.24	89.19	88.42
Tier 1 Capital Ratio %	13.87	16.23	16.56	19.19	21.7
Total Capital Ratio %	15.28	18.08	18.23	20.78	23.2
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	9.61	7.21	20.24	56.46	14.51
Gross Profit, 1 Yr. Growth %	8.91	6.42	18.94	59.72	14.8
Earnings From Cont. Operations, 1 Yr. Growth %	14.04	-16.6	26.47	64.62	14.26
Net Income, 1 Yr. Growth %	14.04	-16.6	26.47	64.63	14.26
Normalized Net Income, 1 Yr. Growth %	2.51	-17.17	27.75	70.32	13.36
Diluted EPS Before Extra, 1 Yr. Growth %	14.04	-20.62	21.9	64.63	14.26
Common Equity, 1 Yr. Growth %	12.79	20.14	9.83	15.79	15.49
Total Assets, 1 Yr. Growth %	8.67	8.05	9.37	4.59	7.81
Tangible Book Value, 1 Yr. Growth %	12.77	20.06	9.79	15.83	15.36
Cash From Operations, 1 Yr. Growth %	-23.17	-2.4	17.35	-63.57	132.25
Capital Expenditures, 1 Yr. Growth %	-26.43	226.04	81.53	-41.58	95.86
Dividend Per Share, 1 Yr. Growth %	6.25	0	0	5.88	11.11
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	9.81	8.4	-7.54	37.16	33.83
Gross Profit, 2 Yr. CAGR %	9.03	7.66	-8.76	37.83	35.41
Earnings From Cont. Operations, 2 Yr. CAGR %	6.11	-2.48	2.7	44.29	37.2
Net Income, 2 Yr. CAGR %	6.11	-2.48	2.7	44.3	37.21
Normalized Net Income, 2 Yr. CAGR %	-0.39	-7.86	2.86	47.51	39
Diluted EPS Before Extra, 2 Yr. CAGR %	6.11	-4.85	-1.63	41.66	37.21
Common Equity, 2 Yr. CAGR %	12.32	16.41	14.87	12.77	15.64
Total Assets, 2 Yr. CAGR %	8.37	8.36	8.71	6.95	6.18
Tangible Book Value, 2 Yr. CAGR %	12.31	16.36	14.81	12.77	15.59
Cash From Operations, 2 Yr. CAGR %	-27.49	6.54	7.02	-34.62	-8.02
Capital Expenditures, 2 Yr. CAGR %	-53.76	54.88	143.28	2.99	6.97
Dividend Per Share, 2 Yr. CAGR %	5.76	3.08	0	2.9	8.47
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	13.34	8.94	-2.15	10.18	29.13
Gross Profit, 3 Yr. CAGR %	13.04	8.15	-3.21	9.96	29.68
Earnings From Cont. Operations, 3 Yr. CAGR %	10.93	-2.07	6.35	20.19	33.53
Net Income, 3 Yr. CAGR %	10.93	-2.07	6.35	20.2	33.53
Normalized Net Income, 3 Yr. CAGR %	6.55	-6.33	2.75	21.69	35.14
Diluted EPS Before Extra, 3 Yr. CAGR %	10.93	-3.67	3.34	16.79	31.9
Common Equity, 3 Yr. CAGR %	12.91	14.87	14.17	15.18	13.67
Total Assets, 3 Yr. CAGR %	11.24	8.26	8.69	7.32	7.23
Tangible Book Value, 3 Yr. CAGR %	12.91	14.84	14.13	15.15	13.63
Cash From Operations, 3 Yr. CAGR %	-15.81	-8.08	10.03	-25.28	-0.24
Capital Expenditures, 3 Yr. CAGR %	-32.32	-11.34	63.3	51.22	27.6
Dividend Per Share, 3 Yr. CAGR %	7.72	3.8	2.04	1.92	5.57
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	12.01	9.87	4.48	10.03	10.91
Gross Profit, 5 Yr. CAGR %	13.49	11.02	3.76	9.59	10.7
Earnings From Cont. Operations, 5 Yr. CAGR %	10.45	3.31	7.56	14.35	17.76
Net Income, 5 Yr. CAGR %	10.45	3.31	7.56	14.35	17.76
Normalized Net Income, 5 Yr. CAGR %	5.49	-1.29	5.06	12.33	15.95
Diluted EPS Before Extra, 5 Yr. CAGR %	10.45	2.3	5.72	12.4	15.75
Common Equity, 5 Yr. CAGR %	17.46	17.28	13.69	14.02	14.76
Total Assets, 5 Yr. CAGR %	12.54	11.02	10.22	7.74	7.68
Tangible Book Value, 5 Yr. CAGR %	17.46	17.26	13.67	14	14.71
Cash From Operations, 5 Yr. CAGR %	-2.78	3.23	0.68	-19.79	2.42
Capital Expenditures, 5 Yr. CAGR %	-13.42	19.49	12.9	-5.86	37.88
Dividend Per Share, 5 Yr. CAGR %	9.1	6.51	4.56	3.44	4.56