Lic Housing Finance Ltd
LICHSGFIN
Finance
₹ 567.10
Price
₹ 31,183
Market Cap
Large Cap
5.67
P/E Ratio
📊 Score Snapshot
9.76 / 25
Performance
25 / 25
Valuation
3.33 / 20
Growth
7.0 / 30
Profitability
45.09 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 85.64 | 89.75 | 56.61 | 27.12 | 71.96 | -77.45 | 90.21 | 34.54 |
| Adj Cash PAT | 4,711 | 4,937 | 3,114 | 1,492 | 3,632 | -3,907 | 4,553 | 1,743 |
| Adj Cash PAT To PAT | 0.87 | 1.04 | 1.08 | 0.65 | 1.33 | -1.63 | 1.87 | 0.87 |
| Adj Cash PE | 6.56 | 7.18 | 5.81 | 13.73 | 6.01 | - | 6.10 | 16.31 |
| Adj EPS | 98.95 | 86.53 | 52.56 | 41.55 | 54.31 | 47.62 | 48.23 | 39.79 |
| Adj Number Of Shares | 55.00 | 55.00 | 55.01 | 55.02 | 50.47 | 50.46 | 50.47 | 50.46 |
| Adj PE | 5.67 | 7.45 | 6.26 | 8.96 | 7.97 | 4.59 | 11.40 | 14.15 |
| Adj Peg | 0.40 | 0.12 | 0.24 | - | 0.57 | - | 0.54 | 4.19 |
| Bvps | 661.02 | 572.36 | 494.24 | 449.91 | 408.24 | 362.01 | 323.62 | 283.65 |
| Cash Revenue | 28,110 | 54,554 | 45,434 | 39,956 | 39,772 | 39,480 | 34,796 | 29,752 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.76 | 1.34 | 2.56 | 2.23 | 2.01 | 3.70 | 1.40 | 1.20 |
| Fcfe | 24,361 | 14,437 | 30,729 | 17,582 | 14,554 | 11,788 | 28,996 | 1,718 |
| Fcfe Margin | 86.66 | 26.46 | 67.63 | 44.00 | 36.59 | 29.86 | 83.33 | 5.77 |
| Fcfe To Adj PAT | 4.48 | 3.03 | 10.63 | 7.69 | 5.31 | 4.90 | 11.91 | 0.86 |
| Market Cap | 30,880 | 35,436 | 18,085 | 20,481 | 21,846 | 11,033 | 27,758 | 28,422 |
| PB | 0.85 | 1.13 | 0.67 | 0.83 | 1.06 | 0.60 | 1.70 | 1.99 |
| PE | 5.67 | 7.45 | 6.26 | 8.96 | 7.97 | 4.59 | 11.40 | 14.16 |
| Peg | 0.39 | 0.12 | 0.24 | - | 0.57 | - | 0.54 | 4.19 |
| PS | 1.10 | 0.65 | 0.40 | 0.51 | 0.55 | 0.28 | 0.80 | 0.96 |
| ROE | 16.05 | 16.23 | 11.13 | 10.08 | 14.10 | 13.90 | 15.89 | 15.77 |
| Share Price | 561.45 | 644.30 | 328.75 | 372.25 | 432.85 | 218.65 | 550.00 | 563.25 |
📊 Quarterly Results
| Metric | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 7,250 | 7,306 | 14,140 | 13,876 | 13,594 | 13,896 | 13,608 | 13,530 | 13,518 | 12,862 | 11,780 | 10,192 | 10,592 | 10,656 |
| Interest | 5,046 | 4,950 | 4,950 | 4,879 | 4,749 | 4,649 | 4,646 | 4,600 | 4,493 | 4,378 | 4,232 | 3,886 | 3,639 | 3,551 |
| Expenses - | 475.00 | 549.00 | 297.00 | 372.00 | 392.00 | 800.00 | 686.00 | 670.00 | 602.00 | 582.00 | 1,069 | 811.00 | 504.00 | 456.00 |
| Financing Profit | 1,729 | 1,806 | 1,823 | 1,687 | 1,656 | 1,500 | 1,473 | 1,496 | 1,664 | 1,472 | 589.00 | 399.00 | 1,153 | 1,320 |
| Financing Margin % | 23.85 | 24.72 | 12.89 | 12.16 | 12.18 | 10.79 | 10.82 | 11.06 | 12.31 | 11.44 | 5.00 | 3.91 | 10.89 | 12.39 |
| Other Income - | 0.28 | 0.03 | 0.52 | 1.92 | 2.27 | 0.40 | - | 0.43 | 0.06 | 0.11 | 5.79 | 5.05 | 6.22 | 8.61 |
| Depreciation | 25.00 | 26.00 | 25.00 | 24.00 | 22.00 | 18.00 | 18.00 | 13.00 | 19.00 | 19.00 | 17.00 | 16.00 | 16.00 | 15.00 |
| Profit Before Tax | 1,705 | 1,780 | 1,798 | 1,665 | 1,635 | 1,482 | 1,454 | 1,483 | 1,645 | 1,453 | 577.00 | 388.00 | 1,143 | 1,314 |
| Tax % | 20.00 | 22.81 | 20.19 | 20.24 | 20.12 | 26.99 | 19.60 | 19.62 | 19.82 | 18.03 | 19.93 | 19.33 | 18.99 | 15.22 |
| Net Profit - | 1,364 | 1,374 | 1,435 | 1,328 | 1,306 | 1,082 | 1,169 | 1,192 | 1,319 | 1,191 | 462.00 | 313.00 | 926.00 | 1,114 |
| Profit From Associates | - | - | - | - | - | - | 2.00 | - | - | - | - | 1.00 | -1.00 | - |
| Profit Excl Exceptional | 1,364 | 1,374 | 1,435 | 1,328 | 1,306 | 1,082 | 1,169 | 1,192 | 1,319 | 1,191 | 462.00 | 313.00 | 926.00 | - |
| Profit For PE | 1,364 | 1,373 | 1,435 | 1,328 | 1,306 | 1,082 | 1,169 | 1,192 | 1,319 | 1,191 | 462.00 | 313.00 | 926.00 | 1,114 |
| Profit For EPS | 1,364 | 1,373 | 1,435 | 1,328 | 1,306 | 1,082 | 1,169 | 1,192 | 1,319 | 1,191 | 462.00 | 313.00 | 926.00 | 1,114 |
| EPS In Rs | 24.80 | 24.97 | 26.09 | 24.14 | 23.75 | 19.66 | 21.25 | 21.67 | 23.98 | 21.65 | 8.40 | 5.69 | 16.84 | 20.25 |
| PAT Margin % | 18.81 | 18.81 | 10.15 | 9.57 | 9.61 | 7.79 | 8.59 | 8.81 | 9.76 | 9.26 | 3.92 | 3.07 | 8.74 | 10.45 |
| PBT Margin | 23.52 | 24.36 | 12.72 | 12.00 | 12.03 | 10.66 | 10.68 | 10.96 | 12.17 | 11.30 | 4.90 | 3.81 | 10.79 | 12.33 |
| Tax | 341.00 | 406.00 | 363.00 | 337.00 | 329.00 | 400.00 | 285.00 | 291.00 | 326.00 | 262.00 | 115.00 | 75.00 | 217.00 | 200.00 |
| Yoy Profit Growth % | 4.00 | 27.00 | 23.00 | 11.00 | -1.00 | -9.00 | 153.00 | 281.00 | 42.00 | 7.00 | -40.00 | 25.00 | 512.00 | 174.00 |
| Adj PAT | 1,364 | 1,374 | 1,435 | 1,328 | 1,306 | 1,082 | 1,169 | 1,192 | 1,319 | 1,191 | 462.00 | 313.00 | 926.00 | 1,114 |
| Adj PAT Margin | 18.81 | 18.81 | 10.15 | 9.57 | 9.61 | 7.79 | 8.59 | 8.81 | 9.76 | 9.26 | 3.92 | 3.07 | 8.74 | 10.45 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 28,110 | 54,554 | 45,434 | 39,956 | 39,772 | 39,480 | 34,796 | 29,752 | 28,184 | 24,982 | 21,624 | 18,678 |
| Interest | 19,528 | 18,385 | 16,135 | 14,151 | 14,450 | 14,781 | 12,891 | 11,144 | 10,231 | 9,307 | 8,310 | 7,174 |
| Expenses - | 1,609 | 2,759 | 2,964 | 3,012 | 2,012 | 1,592 | 1,104 | 940.00 | 887.00 | 611.00 | 390.00 | 357.00 |
| Financing Profit | 6,973 | 6,133 | 3,618 | 2,815 | 3,423 | 3,367 | 3,404 | 2,792 | 2,974 | 2,573 | 2,112 | 1,808 |
| Financing Margin % | 24.81 | 11.24 | 7.96 | 7.05 | 8.61 | 8.53 | 9.78 | 9.38 | 10.55 | 10.30 | 9.77 | 9.68 |
| Other Income - | 3.56 | - | 11.24 | 27.44 | -5.31 | -33.36 | - | - | 8.48 | 12.07 | 16.78 | 33.80 |
| Exceptional Items | - | 0.40 | 0.16 | 0.01 | 0.01 | 0.12 | 0.09 | 0.02 | 0.06 | 0.06 | 0.03 | -0.05 |
| Depreciation | 98.00 | 69.00 | 69.00 | 55.00 | 52.00 | 51.00 | 12.00 | 10.00 | 10.00 | 10.00 | 10.00 | 8.00 |
| Profit Before Tax | 6,879 | 6,064 | 3,561 | 2,787 | 3,365 | 3,282 | 3,392 | 2,782 | 2,973 | 2,575 | 2,119 | 1,834 |
| Tax % | 20.88 | 21.50 | 18.81 | 17.98 | 18.54 | 26.75 | 28.24 | 27.82 | 34.68 | 35.22 | 34.12 | 28.08 |
| Net Profit - | 5,443 | 4,760 | 2,891 | 2,286 | 2,741 | 2,404 | 2,434 | 2,008 | 1,942 | 1,668 | 1,396 | 1,319 |
| Profit From Associates | - | - | - | - | - | - | - | - | - | - | -2.00 | -3.00 |
| Minority Share | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 5,443 | 4,759 | 2,891 | 2,286 | 2,741 | 2,404 | 2,434 | 2,008 | 1,942 | 1,668 | 1,396 | 1,319 |
| Profit For PE | 5,442 | 4,759 | 2,891 | 2,286 | 2,741 | 2,403 | 2,434 | 2,008 | 1,942 | 1,668 | 1,396 | 1,318 |
| Profit For EPS | 5,442 | 4,759 | 2,891 | 2,286 | 2,741 | 2,403 | 2,434 | 2,008 | 1,942 | 1,668 | 1,396 | 1,318 |
| EPS In Rs | 98.94 | 86.52 | 52.55 | 41.55 | 54.31 | 47.62 | 48.23 | 39.79 | 38.49 | 33.05 | 27.65 | 26.12 |
| Dividend Payout % | 10.00 | 10.00 | 16.00 | 20.00 | 16.00 | 17.00 | 16.00 | 17.00 | 16.00 | 17.00 | 18.00 | 17.00 |
| PAT Margin % | 19.36 | 8.73 | 6.36 | 5.72 | 6.89 | 6.09 | 7.00 | 6.75 | 6.89 | 6.68 | 6.46 | 7.06 |
| PBT Margin | 24.47 | 11.12 | 7.84 | 6.98 | 8.46 | 8.31 | 9.75 | 9.35 | 10.55 | 10.31 | 9.80 | 9.82 |
| Tax | 1,436 | 1,304 | 670.00 | 501.00 | 624.00 | 878.00 | 958.00 | 774.00 | 1,031 | 907.00 | 723.00 | 515.00 |
| Adj PAT | 5,443 | 4,760 | 2,891 | 2,286 | 2,741 | 2,404 | 2,434 | 2,008 | 1,942 | 1,668 | 1,396 | 1,319 |
| Adj PAT Margin | 19.36 | 8.73 | 6.36 | 5.72 | 6.89 | 6.09 | 7.00 | 6.75 | 6.89 | 6.68 | 6.46 | 7.06 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 341.00 | - | 266.00 | 58.00 | 46.00 | 70.00 | 21.00 | 9.00 |
| Average Total Assets | 302,687 | 290,626 | 284,946 | - | 266,623 | 245,204 | 226,320 | 208,814 | 185,968 | 161,112 |
| Average Total Equity | 33,918 | 31,422 | 29,334 | - | 25,971 | 22,679 | 19,436 | 17,300 | 15,323 | 12,736 |
| Borrowing | 270,726 | - | 252,618 | - | 244,913 | 223,757 | 207,925 | 191,428 | 170,657 | 150,913 |
| Cwip | - | - | - | 1.00 | 1.00 | 4.00 | 6.00 | 3.00 | 2.00 | 3.00 |
| Cash Equivalents | 1,474 | 1,011 | 1,655 | 1,658 | 822.00 | 985.00 | 1,385 | 2,037 | 3,053 | 2,143 |
| Fixed Assets | 429.00 | 396.00 | 389.00 | 390.00 | 388.00 | 315.00 | 282.00 | 294.00 | 168.00 | 129.00 |
| Gross Block | - | - | 730.00 | - | 654.00 | 373.00 | 328.00 | 364.00 | 189.00 | 139.00 |
| Investments | 7,201 | 6,276 | 6,337 | 6,005 | 7,050 | 6,279 | 4,644 | 5,485 | 3,617 | 2,008 |
| Lease Liabilities | - | 185.00 | - | 182.00 | - | - | - | - | - | - |
| Loans N Advances | 302,778 | 289,085 | 469.00 | - | 43.00 | 175.00 | 40.00 | 396.00 | 209.00 | 186.00 |
| Long Term Borrowings | - | 257,500 | - | 243,278 | - | - | - | 167,530 | 154,723 | 138,658 |
| Net Debt | -8,675 | 250,398 | 244,626 | 235,796 | 237,041 | 216,493 | 201,896 | 183,906 | 163,987 | 146,762 |
| Non Controlling Interest | 4.00 | 4.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 2.00 | 2.00 | 2.00 |
| Other Asset Items | 2,147 | 2,544 | 282,473 | 273,884 | 270,254 | 246,920 | 229,357 | 208,683 | 193,645 | 166,745 |
| Other Borrowings | - | - | 252,618 | - | 244,913 | 223,757 | 207,925 | 133.00 | - | 5,604 |
| Other Liability Items | 6,743 | 8,015 | 7,165 | 9,249 | 6,424 | 6,122 | 7,106 | 7,194 | 13,642 | 5,950 |
| Reserves | 36,242 | 33,502 | 31,367 | 29,115 | 27,075 | 24,641 | 20,500 | 18,164 | 16,230 | 14,210 |
| Share Capital | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 | 101.00 | 101.00 | 101.00 | 101.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | 23,764 | 15,934 | 6,650 |
| Short Term Loans And Advances | - | - | - | - | - | 2.00 | 2.00 | 2.00 | 2.00 | 1.00 |
| Total Assets | 314,040 | 299,315 | 291,334 | 281,937 | 278,559 | 254,687 | 235,721 | 216,920 | 200,707 | 171,228 |
| Total Borrowings | - | 257,685 | 252,618 | 243,459 | 244,913 | 223,757 | 207,925 | 191,428 | 170,657 | 150,913 |
| Total Equity | 36,356 | 33,616 | 31,480 | 29,228 | 27,188 | 24,754 | 20,604 | 18,267 | 16,333 | 14,313 |
| Total Equity And Liabilities | 314,040 | 299,315 | 291,334 | 281,937 | 278,559 | 254,687 | 235,721 | 216,920 | 200,707 | 171,228 |
| Total Liabilities | 277,684 | 265,699 | 259,854 | 252,709 | 251,371 | 229,933 | 215,117 | 198,653 | 184,374 | 156,915 |
| Trade Payables | 216.00 | - | 71.00 | - | 34.00 | 54.00 | 86.00 | 31.00 | 75.00 | 53.00 |
| Trade Receivables | 12.00 | 3.00 | 20.00 | - | 2.00 | 16.00 | 16.00 | 44.00 | 24.00 | 28.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 17,413 | 7,346 | 20,249 | 17,850 | 16,245 | 15,156 | 24,068 | 18,074 |
| Cash From Investing Activity | -939.00 | 587.00 | -800.00 | -1,629 | 858.00 | -1,851 | -1,642 | 1,368 |
| Cash From Operating Activity | -16,609 | -7,151 | -19,632 | -16,729 | -17,140 | -14,738 | -21,538 | -18,977 |
| Cash Paid For Loan Advances | - | - | - | - | - | - | - | - |
| Cash Paid For Purchase Of Fixed Assets | -73.00 | -37.00 | -64.00 | -35.00 | -11.00 | -15.00 | -51.00 | -35.00 |
| Cash Paid For Purchase Of Investments | -982.00 | -88.00 | -786.00 | -2,206 | -557.00 | -1,841 | -1,620 | -452.00 |
| Cash Paid For Repayment Of Borrowings | -153,126 | -136,953 | -154,565 | -136,244 | -109,504 | -153,594 | -130,309 | - |
| Cash Paid Towards Cwip | - | - | - | - | - | - | - | - |
| Cash Received From Borrowings | 172,751 | 146,420 | 182,151 | 152,314 | 120,385 | 169,253 | 154,790 | - |
| Cash Received From Issue Of Shares | - | - | - | 2,334 | - | - | - | - |
| Cash Received From Sale Of Fixed Assets | - | 1.00 | 24.00 | - | - | - | 1.00 | - |
| Cash Received From Sale Of Investments | 116.00 | 712.00 | 26.00 | 607.00 | 1,425 | 3.00 | 18.00 | 1,852 |
| Change In Other Working Capital Items | -732.00 | 177.00 | 223.00 | -794.00 | 891.00 | -6,311 | 2,119 | -265.00 |
| Change In Working Capital | -732.00 | 177.00 | 223.00 | -794.00 | 891.00 | -6,311 | 2,119 | -265.00 |
| Direct Taxes Paid | -1,211 | -1,475 | -1,054 | -1,093 | -633.00 | -1,016 | -1,066 | -956.00 |
| Dividends Paid | -495.00 | -468.00 | -462.00 | -468.00 | -404.00 | -384.00 | -342.00 | -312.00 |
| Dividends Received | 1.00 | - | - | - | - | - | - | - |
| Interest Paid | 8,464 | 9,232 | 5,856 | 4,809 | 4,705 | 3,595 | 4,089 | 4,106 |
| Interest Received | - | - | - | 5.00 | - | - | 8.00 | 3.00 |
| Investment Income | - | - | - | - | - | - | - | - |
| Net Cash Flow | -134.00 | 781.00 | -183.00 | -508.00 | -37.00 | -1,434 | 887.00 | 465.00 |
| Other Cash Financing Items Paid | -1,716 | -1,654 | -6,875 | -87.00 | -49.00 | -120.00 | -71.00 | 18,386 |
| Other Cash Investing Items Paid | - | - | - | - | 5,817 | - | - | - |
| Other Cash Operating Items Paid | -22,179 | -14,364 | -23,934 | -19,098 | -21,750 | -10,345 | -25,809 | -21,592 |
| Profit From Operations | -951.00 | -721.00 | -723.00 | -553.00 | -353.00 | -661.00 | -871.00 | -270.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Lichsgfin | 2025-06-30 | - | 20.25 | 22.20 | 12.31 | 0.00 |
| Lichsgfin | 2025-03-31 | - | 21.55 | 21.34 | 11.87 | 0.00 |
| Lichsgfin | 2024-12-31 | - | 21.24 | 21.44 | 12.08 | 0.00 |
| Lichsgfin | 2024-09-30 | - | 21.95 | 20.53 | 12.29 | 0.00 |
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