Stock LICHSGFIN LIC HOUSING FINANCE LIMITED
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Financials LIC Housing Finance Limited

Equities

LICHSGFIN

INE115A01026

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:48 2024-04-26 am EDT 		5-day change 1st Jan Change
661.4 INR +0.02% Intraday chart for LIC Housing Finance Limited +2.86% +23.36%
Apr. 16 Star Housing Finance Secures INR250 Million Loan MT
Apr. 08 Nomura Adjusts LIC Housing Finance’s Price Target to INR710 From INR720, Keeps at Buy MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 268,582 118,747 216,097 197,445 180,833 363,784 - -
Enterprise Value (EV) 1 268,582 118,747 216,097 197,445 180,833 363,784 363,784 363,784
P/E ratio 11 x 4.94 x 7.9 x 8.32 x 6.25 x 7.67 x 7.49 x 6.99 x
Yield 1.43% 3.4% 1.99% 2.37% 2.59% 1.91% 1.96% 2.09%
Capitalization / Revenue 6.01 x 2.43 x 4.01 x 3.4 x 2.79 x 4.2 x 4.25 x 3.97 x
EV / Revenue 6.01 x 2.43 x 4.01 x 3.4 x 2.79 x 4.2 x 4.25 x 3.97 x
EV / EBITDA 1,649,478 x 656,029 x - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.65 x 0.65 x 1.05 x 0.8 x 0.67 x 1.18 x 1.05 x 0.92 x
Nbr of stocks (in thousands) 504,663 504,663 504,663 550,063 550,063 550,063 - -
Reference price 2 532.2 235.3 428.2 359.0 328.8 661.4 661.4 661.4
Announcement Date 5/4/19 6/19/20 6/15/21 5/18/22 5/16/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 44,702 48,859 53,946 57,994 64,882 86,653 85,665 91,565
EBITDA 162,828 181,009 - - - - - -
EBIT 1 37,299 42,217 46,662 47,664 55,000 75,729 74,101 78,562
Operating Margin 83.44% 86.41% 86.5% 82.19% 84.77% 87.39% 86.5% 85.8%
Earnings before Tax (EBT) 1 33,796 32,690 33,486 27,782 35,570 58,984 60,462 65,396
Net income 1 24,310 24,018 27,343 22,873 28,910 47,408 48,401 52,098
Net margin 54.38% 49.16% 50.69% 39.44% 44.56% 54.71% 56.5% 56.9%
EPS 2 48.17 47.59 54.18 43.14 52.56 86.25 88.35 94.60
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 7.600 8.000 8.500 8.500 8.500 12.60 12.96 13.80
Announcement Date 5/4/19 6/19/20 6/15/21 5/18/22 5/16/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 13,289 15,748 13,091 12,090 15,244 17,568 16,509 12,056 16,432 20,274 22,523 21,527 21,033 20,797
EBITDA - - - - - - - - - - - - - -
EBIT 1 11,506 13,292 10,233 9,343 13,174 14,913 14,481 7,527 13,557 17,515 20,098 18,377 18,051 18,714
Operating Margin 86.58% 84.4% 78.17% 77.28% 86.42% 84.89% 87.71% 62.43% 82.5% 86.39% 89.23% 85.36% 85.82% 89.99%
Earnings before Tax (EBT) 1 9,696 3,520 1,929 3,090 9,618 13,144 11,404 3,788 5,930 14,448 16,490 14,960 14,205 14,531
Net income 1 7,270 3,989 1,534 2,479 7,673 11,186 9,255 3,050 4,803 11,803 13,237 11,662 11,322 11,851
Net margin 54.71% 25.33% 11.72% 20.5% 50.34% 63.67% 56.06% 25.3% 29.23% 58.22% 58.77% 54.17% 53.83% 56.99%
EPS 2 14.41 7.900 3.040 4.510 13.95 21.10 16.82 5.540 8.730 21.46 24.06 22.63 20.85 21.63
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 1/29/21 6/15/21 7/29/21 10/21/21 1/27/22 5/18/22 8/4/22 11/1/22 2/6/23 5/16/23 8/3/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.9% 13.9% 14.1% 10.1% 11.2% 16.5% 14.6% 14%
ROA (Net income/ Total Assets) 1.31% 1.15% 1.21% 0.93% 1.08% 1.66% 1.58% 1.57%
Assets 1 1,858,398 2,086,923 2,259,785 2,451,007 2,664,789 2,855,600 3,057,339 3,314,838
Book Value Per Share 2 322.0 361.0 408.0 448.0 492.0 559.0 631.0 718.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/4/19 6/19/20 6/15/21 5/18/22 5/16/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for LIC Housing Finance Limited

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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