Nifty

:

25877.85

Sensex

:

84404.46

-176.05 (-0.68%)
-592.67 (-0.70%)

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Nifty
Sensex

:
:

25877.85
84404.46

-176.05 (-0.68%)
-592.67 (-0.70%)

LIC Housing Finance Ltd.

Finance - Housing

Rating :

55/99

BSE: 500253 | NSE: LICHSGFIN

Watchlist

NSE BSE

570.45

30-Oct-2025

Open
High
Low
Previous Close

593
594.35
565.6
593.45

Volume
Traded Value (lacs)
52 Week High
52 Week Low

6562217
3757801017.7
648.9
483.7

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

31,378.34
5.68
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,37,504.37
1.75%
0.81

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

8.46
7.17
7.36

EBITDA CAGR (%)

10 Years
5 Years
3 Years

8.47
8.21
6.06

PAT CAGR (%)

10 Years
5 Years
3 Years

12.56
14.71
23.48

P:E (Median)

8 Years
5 Years
3 Years

7.75
7.38
7.04

P:BV (Average)

8 Years
5 Years
3 Years

1.20
0.95
0.95

EV:EBITDA (Average)

8 Years
5 Years
3 Years

10.61
10.39
8.78

Earnings Forecasts:

(Updated: 25-10-2025)

Description 2024 2025 2026 2027
Adj EPS 98.7 96.47 100.94 108.2
P/E Ratio 5.78 5.91 5.65 5.27
Revenue 28050.1 8814.22 9443.4 10386.1
EBITDA 26475.6 6933.37 7143.7 7582
Net Income 5429.02 5290.81 5573.07 5955.71
ROA 1.8 1.62 1.57 1.56
P/B Ratio 0.87 0.77 0.69 0.63
ROE 16.05 13.77 12.88 12.53
FCFF 5496.91
FCFF Yield 1.88
Net Debt 261128 291619 318784 348453
BVPS 659.14 741.27 830.72 906.57

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 7,163.32 6,925.81 3.43% 7,233.13 6,783.67 6.63% 7,283.33 6,936.41 5.00% 7,057.33 6,792.47 3.90%
Expenses 438.63 364.93 20.20% 462.81 383.59 20.65% 537.53 793.34 -32.24% 288.48 679.96 -57.57%
EBITDA 6,724.69 6,560.88 2.50% 6,770.32 6,400.08 5.78% 6,745.80 6,143.07 9.81% 6,768.85 6,112.51 10.74%
EBIDTM 93.88% 94.73% 93.60% 94.35% 92.62% 88.56% 95.91% 89.99%
Other Income 6.42 6.00 7.00% 0.01 0.02 -50.00% 0.04 0.43 -90.70% 0.02 0.03 -33.33%
Interest 4,995.08 4,879.58 2.37% 5,047.28 4,750.05 6.26% 4,950.84 4,649.91 6.47% 4,951.48 4,646.50 6.56%
Depreciation 31.32 22.94 36.53% 23.89 21.62 10.50% 25.42 17.41 46.01% 23.95 17.35 38.04%
PBT 1,704.71 1,664.36 2.42% 1,699.16 1,628.43 4.34% 1,769.58 1,476.18 19.88% 1,793.44 1,448.69 23.80%
Tax 350.84 335.47 4.58% 339.24 328.22 3.36% 401.62 385.36 4.22% 361.48 285.81 26.48%
PAT 1,353.87 1,328.89 1.88% 1,359.92 1,300.21 4.59% 1,367.96 1,090.82 25.41% 1,431.96 1,162.88 23.14%
PATM 18.90% 19.19% 18.80% 19.17% 18.78% 15.73% 20.29% 17.12%
EPS 24.61 24.16 1.86% 24.72 23.64 4.57% 24.87 19.83 25.42% 26.03 21.14 23.13%

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 7,179.25 6,937.72 3.48% 7,250.16 6,796.85 6.67% 7,305.52 6,948.21 5.14% 7,069.99 6,804.19 3.91%
Expenses 450.38 372.06 21.05% 474.93 391.83 21.21% 547.89 799.15 -31.44% 296.87 685.64 -56.70%
EBITDA 6,728.87 6,565.66 2.49% 6,775.23 6,405.02 5.78% 6,757.63 6,149.06 9.90% 6,773.12 6,118.55 10.70%
EBIDTM 93.73% 94.64% 93.45% 94.24% 92.50% 88.50% 95.80% 89.92%
Other Income 0.52 0.59 -11.86% 0.00 0.00 0 0.03 0.40 -92.50% 0.00 0.00 0
Interest 4,994.08 4,878.61 2.37% 5,046.01 4,749.32 6.25% 4,950.02 4,648.92 6.48% 4,950.41 4,645.92 6.55%
Depreciation 32.33 23.94 35.05% 24.90 22.50 10.67% 26.41 18.36 43.85% 24.92 18.31 36.10%
PBT 1,702.98 1,663.70 2.36% 1,704.32 1,633.20 4.35% 1,781.23 1,482.18 20.18% 1,797.79 1,454.32 23.62%
Tax 353.63 337.24 4.86% 340.60 329.07 3.50% 406.43 400.12 1.58% 363.42 287.72 26.31%
PAT 1,349.35 1,326.46 1.73% 1,363.72 1,304.13 4.57% 1,374.80 1,082.06 27.05% 1,434.37 1,166.60 22.95%
PATM 18.80% 19.12% 18.81% 19.19% 18.82% 15.57% 20.29% 17.15%
EPS 24.51 24.12 1.62% 24.78 23.73 4.42% 24.95 19.65 26.97% 26.07 21.24 22.74%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 28,737.11 28,050.14 27,228.22 22,656.95 19,919.07 19,847.15 19,697.28 17,357.79 14,836.98 14,052.05 12,460.44 Net Sales Growth 4.73% 3.02% 20.18% 13.75% 0.36% 0.76% 13.48% 16.99% 5.59% 12.77% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 28,737.11 28,050.14 27,228.22 22,656.95 19,919.07 19,847.15 19,697.28 17,357.79 14,836.98 14,052.05 12,460.44 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 1,727.45 1,574.53 2,724.64 2,865.68 2,945.18 2,002.41 1,602.37 1,081.75 921.30 1,021.56 712.66 Power & Fuel Cost - 6.91 6.36 5.93 5.16 5.00 5.61 5.59 5.59 5.69 5.29 % Of Sales - 0.02% 0.02% 0.03% 0.03% 0.03% 0.03% 0.03% 0.04% 0.04% 0.04% Employee Cost - 701.90 609.99 473.21 563.32 293.18 299.09 247.88 223.16 245.80 150.35 % Of Sales - 2.50% 2.24% 2.09% 2.83% 1.48% 1.52% 1.43% 1.50% 1.75% 1.21% Manufacturing Exp. - 243.19 216.09 215.74 157.18 150.10 90.16 77.31 122.82 269.32 230.97 % Of Sales - 0.87% 0.79% 0.95% 0.79% 0.76% 0.46% 0.45% 0.83% 1.92% 1.85% General & Admin Exp. - 176.08 162.77 144.26 115.80 115.69 99.35 102.80 76.83 134.78 123.46 % Of Sales - 0.63% 0.60% 0.64% 0.58% 0.58% 0.50% 0.59% 0.52% 0.96% 0.99% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 453.36 1,735.79 2,032.47 2,108.88 1,443.44 1,113.77 653.76 498.49 371.65 0.00 % Of Sales - 1.62% 6.37% 8.97% 10.59% 7.27% 5.65% 3.77% 3.36% 2.64% 1.67% EBITDA 27,009.66 26,475.61 24,503.58 19,791.27 16,973.89 17,844.74 18,094.91 16,276.04 13,915.68 13,030.49 11,747.78 EBITDA Margin 93.99% 94.39% 89.99% 87.35% 85.21% 89.91% 91.87% 93.77% 93.79% 92.73% 94.28% Other Income 6.49 6.08 6.42 17.25 33.95 5.85 6.60 6.78 3.65 166.20 132.25 Interest 19,944.68 19,531.95 18,390.66 16,185.96 14,177.25 14,452.58 14,784.45 12,891.54 11,143.85 10,231.49 9,306.76 Depreciation 104.58 93.93 65.42 65.56 52.44 49.44 48.07 11.73 9.98 9.43 9.72 PBT 6,966.89 6,855.81 6,053.92 3,557.00 2,778.15 3,348.57 3,268.99 3,379.55 2,765.50 2,955.77 2,563.55 Tax 1,453.18 1,426.79 1,288.51 665.97 490.87 614.23 867.15 948.58 763.00 1,024.72 902.76 Tax Rate 20.86% 20.81% 21.28% 18.72% 17.67% 18.34% 26.53% 28.07% 27.59% 34.67% 35.22% PAT 5,513.71 5,429.02 4,765.41 2,891.03 2,287.28 2,734.34 2,401.84 2,430.97 2,002.50 1,931.05 1,660.79 PAT before Minority Interest 5,513.71 5,429.02 4,765.41 2,891.03 2,287.28 2,734.34 2,401.84 2,430.97 2,002.50 1,931.05 1,660.79 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 19.19% 19.35% 17.50% 12.76% 11.48% 13.78% 12.19% 14.01% 13.50% 13.74% 13.33% PAT Growth 12.92% 13.93% 64.83% 26.40% -16.35% 13.84% -1.20% 21.40% 3.70% 16.27% EPS 100.23 98.69 86.63 52.55 41.58 49.71 43.66 44.19 36.40 35.10 30.19

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 28,804.92 28,110.08 27,276.97 22,713.90 19,974.36 19,881.70 19,736.66 17,395.38 14,874.87 14,072.06 12,474.64 Net Sales Growth 4.79% 3.05% 20.09% 13.72% 0.47% 0.73% 13.46% 16.94% 5.70% 12.81% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 1.03 4.69 4.18 7.18 0.00 0.00 Gross Profit 28,804.92 28,110.08 27,276.97 22,713.90 19,974.36 19,880.67 19,731.97 17,391.20 14,867.69 14,072.06 12,474.64 GP Margin 100.00% 100% 100% 100% 100% 99.99% 99.98% 99.98% 99.95% 100% 100% Total Expenditure 1,770.07 1,608.65 2,756.33 2,963.65 3,011.77 2,017.55 1,626.36 1,103.75 940.45 1,024.53 718.10 Power & Fuel Cost - 7.07 6.51 6.07 5.27 5.09 5.70 5.69 5.59 5.77 5.35 % Of Sales - 0.03% 0.02% 0.03% 0.03% 0.03% 0.03% 0.03% 0.04% 0.04% 0.04% Employee Cost - 755.38 649.63 516.41 602.45 323.78 327.62 274.58 245.10 266.23 164.50 % Of Sales - 2.69% 2.38% 2.27% 3.02% 1.63% 1.66% 1.58% 1.65% 1.89% 1.32% Manufacturing Exp. - 202.15 194.87 239.93 160.54 130.52 78.32 66.05 106.92 244.17 219.36 % Of Sales - 0.72% 0.71% 1.06% 0.80% 0.66% 0.40% 0.38% 0.72% 1.74% 1.76% General & Admin Exp. - 171.02 174.38 148.01 118.55 117.34 100.74 104.25 76.84 142.05 125.95 % Of Sales - 0.61% 0.64% 0.65% 0.59% 0.59% 0.51% 0.60% 0.52% 1.01% 1.01% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 480.10 1,737.45 2,059.30 2,130.23 1,444.88 1,114.99 654.69 504.41 372.07 0.00 % Of Sales - 1.71% 6.37% 9.07% 10.66% 7.27% 5.65% 3.76% 3.39% 2.64% 1.67% EBITDA 27,034.85 26,501.43 24,520.64 19,750.25 16,962.59 17,864.15 18,110.30 16,291.63 13,934.42 13,047.53 11,756.54 EBITDA Margin 93.85% 94.28% 89.90% 86.95% 84.92% 89.85% 91.76% 93.65% 93.68% 92.72% 94.24% Other Income 0.55 0.62 0.83 14.32 30.95 3.83 4.97 3.08 1.59 166.76 135.17 Interest 19,940.52 19,528.36 18,387.87 16,134.76 14,151.09 14,450.38 14,781.98 12,891.04 11,143.82 10,231.41 9,306.64 Depreciation 108.56 97.77 69.23 69.04 55.19 52.47 51.12 11.92 10.21 9.70 10.01 PBT 6,986.32 6,875.92 6,064.37 3,560.77 2,787.26 3,365.13 3,282.17 3,391.75 2,781.98 2,973.18 2,575.06 Tax 1,464.08 1,436.16 1,304.81 669.60 501.26 624.00 878.52 957.38 773.82 1,031.35 907.44 Tax Rate 20.96% 20.89% 21.52% 18.80% 17.98% 18.54% 26.77% 28.23% 27.82% 34.69% 35.24% PAT 5,522.24 5,442.23 4,762.97 2,890.76 2,285.65 2,740.72 2,403.25 2,433.95 2,007.94 1,941.81 1,667.32 PAT before Minority Interest 5,521.72 5,442.70 4,763.32 2,891.17 2,286.00 2,741.13 2,403.65 2,434.37 2,008.16 1,941.82 1,667.61 Minority Interest -0.52 -0.47 -0.35 -0.41 -0.35 -0.41 -0.40 -0.42 -0.22 -0.01 -0.29 PAT Margin 19.17% 19.36% 17.46% 12.73% 11.44% 13.79% 12.18% 13.99% 13.50% 13.80% 13.37% PAT Growth 13.18% 14.26% 64.77% 26.47% -16.60% 14.04% -1.26% 21.22% 3.41% 16.46% EPS 100.39 98.93 86.58 52.55 41.55 49.82 43.69 44.25 36.50 35.30 30.31

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 36,256.78 31,394.63 27,100.34 24,671.84 20,521.31 18,193.10 16,259.27 14,241.18 11,077.03 9,145.98 Share Capital 110.08 110.08 110.08 110.08 100.99 100.99 100.99 100.99 101.00 101.00 Total Reserves 36,146.70 31,284.55 26,990.26 24,561.76 20,420.32 18,092.11 16,158.28 14,140.19 10,976.03 9,044.98 Non-Current Liabilities 1,77,991.22 1,68,735.79 2,08,864.46 1,95,375.37 1,80,332.01 1,55,119.10 1,48,046.81 1,32,664.02 1,06,834.27 93,141.07 Secured Loans 1,71,738.69 1,64,030.67 1,96,882.65 1,75,012.35 1,59,038.37 1,51,962.84 1,45,065.47 1,29,388.05 98,200.63 85,924.55 Unsecured Loans 7,199.62 5,739.43 13,421.98 21,381.58 21,592.87 2,995.71 2,000.00 2,500.00 5,538.26 4,733.59 Long Term Provisions 95.39 138.32 205.46 169.98 142.48 145.33 113.39 117.64 997.23 806.33 Current Liabilities 98,379.71 89,397.96 40,558.75 33,152.17 33,867.07 42,973.35 35,724.02 23,742.34 32,989.11 28,210.72 Trade Payables 229.98 193.45 38.96 64.30 96.12 34.57 79.94 61.29 58.97 41.39 Other Current Liabilities 6,225.78 6,282.01 6,044.21 5,823.65 6,532.94 6,565.65 12,042.54 10,259.16 25,201.60 22,268.36 Short Term Borrowings 91,658.91 82,726.69 34,469.59 27,264.22 27,230.25 36,373.13 23,601.54 13,421.89 7,587.22 5,440.44 Short Term Provisions 265.04 195.81 5.99 0.00 7.76 0.00 0.00 0.00 141.32 460.53 Total Liabilities 3,12,627.71 2,89,528.38 2,76,523.55 2,53,199.38 2,34,720.39 2,16,285.55 2,00,030.10 1,70,647.54 1,50,900.41 1,30,497.77 Net Block 350.51 360.85 356.21 286.13 243.39 254.05 135.85 97.12 96.52 92.02 Gross Block 771.26 689.14 554.17 427.27 361.70 320.26 156.59 106.18 173.15 167.74 Accumulated Depreciation 420.75 328.29 197.96 141.14 118.31 66.21 20.74 9.06 76.62 75.72 Non Current Assets 3,07,892.40 2,85,665.40 2,73,278.16 2,50,562.62 2,31,070.30 2,10,630.06 1,94,752.10 1,67,531.97 1,36,313.28 1,18,149.90 Capital Work in Progress 51.50 0.14 0.74 1.49 3.63 0.33 0.00 0.00 0.00 0.00 Non Current Investment 4,605.88 4,682.98 4,734.38 4,705.20 2,486.55 1,933.43 1,367.77 1,014.87 526.89 271.82 Long Term Loans & Adv. 0.00 0.00 330.97 243.81 118.97 444.03 236.16 249.31 206.70 134.06 Other Non Current Assets 38.67 31.64 38.99 45.36 114.61 33.00 25.45 13.22 68.97 0.05 Current Assets 4,735.31 3,862.98 3,006.50 2,529.38 3,650.09 5,655.49 5,278.00 3,115.57 14,587.13 12,347.87 Current Investments 2,536.26 1,594.05 2,242.03 1,493.40 2,149.06 3,562.94 2,227.29 957.30 0.10 5.02 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 109.42 85.39 Cash & Bank 1,404.52 1,572.63 741.90 937.39 1,346.72 1,978.95 3,013.51 2,096.44 4,463.35 3,926.80 Other Current Assets 794.53 246.11 3.45 83.94 154.31 113.60 37.20 61.83 10,014.27 8,330.65 Short Term Loans & Adv. 586.42 450.19 19.12 14.65 12.76 24.01 7.99 6.11 9,135.63 7,535.44 Net Current Assets -93,644.40 -85,534.98 -37,552.25 -30,622.79 -30,216.98 -37,317.86 -30,446.02 -20,626.77 -18,401.98 -15,862.85 Total Assets 3,12,627.71 2,89,528.38 2,76,284.66 2,53,092.00 2,34,720.39 2,16,285.55 2,00,030.10 1,70,647.54 1,50,900.41 1,30,497.77

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 36,351.79 31,476.66 27,184.66 24,750.82 20,601.43 18,264.86 16,330.82 14,311.19 11,155.85 9,214.57 Share Capital 110.08 110.08 110.08 110.08 100.99 100.99 100.99 100.99 101.00 101.00 Total Reserves 36,241.71 31,366.58 27,074.58 24,640.74 20,500.44 18,163.87 16,229.83 14,210.20 11,054.85 9,113.58 Non-Current Liabilities 1,77,993.40 1,68,767.49 2,08,781.28 1,95,324.85 1,80,267.45 1,55,116.15 1,48,043.62 1,32,661.35 1,06,843.53 93,150.15 Secured Loans 1,71,738.69 1,64,030.67 1,96,882.66 1,75,012.36 1,59,038.37 1,51,962.84 1,45,065.47 1,29,388.05 98,200.63 85,924.55 Unsecured Loans 7,199.62 5,712.13 13,376.53 21,330.26 21,528.95 2,995.71 2,000.00 2,500.00 5,538.26 4,733.59 Long Term Provisions 95.39 138.32 176.97 173.93 147.51 148.62 118.54 122.32 997.76 806.70 Current Liabilities 98,391.80 89,447.70 40,693.97 33,236.82 33,931.29 43,010.00 35,769.08 23,804.12 32,996.02 28,220.84 Trade Payables 216.24 70.60 33.72 53.97 85.97 30.63 74.90 52.63 51.44 36.94 Other Current Liabilities 6,302.72 6,572.38 6,186.78 5,918.63 6,607.31 6,643.42 12,102.51 10,331.17 25,212.12 22,280.98 Short Term Borrowings 91,603.25 82,704.85 34,469.60 27,264.22 27,230.25 36,335.95 23,591.67 13,420.32 7,587.22 5,440.44 Short Term Provisions 269.59 99.87 3.87 0.00 7.76 0.00 0.00 0.00 145.24 462.48 Total Liabilities 3,12,740.71 2,89,695.25 2,76,663.10 2,53,315.41 2,34,802.88 2,16,393.45 2,00,145.71 1,70,778.54 1,50,997.04 1,30,587.19 Net Block 348.11 359.62 388.48 314.82 281.87 294.43 168.08 129.46 102.37 102.40 Gross Block 783.88 700.27 596.48 465.09 406.85 364.30 189.26 138.76 180.91 179.79 Accumulated Depreciation 435.77 340.65 208.00 150.27 124.98 69.87 21.18 9.30 78.54 77.39 Non Current Assets 3,07,783.85 2,85,469.24 2,73,288.37 2,50,552.92 2,31,047.45 2,10,588.75 1,94,710.06 1,67,541.87 1,36,326.00 1,18,159.66 Capital Work in Progress 51.50 0.20 0.84 4.30 6.34 2.92 2.19 2.74 5.06 0.25 Non Current Investment 4,532.47 4,515.20 4,758.63 4,716.60 2,473.89 1,889.27 1,323.19 994.49 519.19 263.67 Long Term Loans & Adv. 0.00 0.01 339.57 260.88 127.05 453.97 244.93 272.59 213.58 136.08 Other Non Current Assets 44.38 32.98 39.60 34.11 115.27 33.32 25.70 13.44 71.59 5.33 Current Assets 4,956.86 4,226.01 3,135.84 2,655.11 3,755.43 5,804.70 5,435.65 3,236.67 14,671.02 12,427.52 Current Investments 2,668.28 1,822.23 2,291.08 1,562.78 2,170.01 3,595.45 2,294.15 1,013.74 18.20 16.71 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 11.62 9.93 0.72 8.38 7.70 21.80 11.99 13.50 112.19 87.66 Cash & Bank 1,474.43 1,655.18 821.56 984.66 1,384.96 2,036.92 3,053.13 2,143.01 4,522.54 3,987.13 Other Current Assets 802.53 313.52 0.13 80.52 192.76 150.53 76.38 66.42 10,018.09 8,336.03 Short Term Loans & Adv. 588.43 425.15 22.35 18.77 12.79 24.02 7.98 10.08 9,137.89 7,538.97 Net Current Assets -93,434.94 -85,221.69 -37,558.13 -30,581.71 -30,175.86 -37,205.30 -30,333.43 -20,567.45 -18,324.99 -15,793.31 Total Assets 3,12,740.71 2,89,695.25 2,76,424.21 2,53,208.03 2,34,802.88 2,16,393.45 2,00,145.71 1,70,778.54 1,50,997.02 1,30,587.18

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -16,688.53 -7,061.00 -19,611.54 -16,740.26 -17,194.66 -14,714.92 -21,528.70 -19,004.51 -14,278.99 -13,035.90 PBT 6,855.81 6,053.92 3,557.00 2,778.15 3,348.57 3,268.99 3,379.55 2,765.50 2,955.77 2,563.55 Adjustment 626.45 2,487.79 1,574.82 1,466.40 964.61 -362.14 -230.04 1,019.67 1,329.27 974.75 Changes in Working Capital -793.32 229.00 237.55 -799.33 866.75 -6,299.47 2,144.57 -262.81 1,860.37 999.56 Cash after chg. in Working capital 6,688.94 8,770.71 5,369.37 3,445.22 5,179.93 -3,392.62 5,294.08 3,522.36 6,145.40 4,537.86 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -1,198.56 -1,468.27 -1,046.89 -1,087.36 -624.58 -1,005.00 -1,054.49 -944.03 -1,020.03 -731.98 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items -22,178.91 -14,363.44 -23,934.02 -19,098.12 -21,750.01 -10,317.30 -25,768.29 -21,582.84 -19,404.36 -16,841.77 Cash From Investing Activity -883.70 579.12 -830.50 -1,600.98 883.72 -1,879.00 -1,655.84 1,379.83 -283.01 -60.87 Net Fixed Assets -133.48 -134.37 -126.15 -63.43 -44.74 -164.00 -50.41 66.97 -5.41 -16.97 Net Investments -865.11 699.38 -777.81 -1,562.99 860.76 -1,901.31 -1,622.89 -1,445.18 -250.15 -39.70 Others 114.89 14.11 73.46 25.44 67.70 186.31 17.46 2,758.04 -27.45 -4.20 Cash from Financing Activity 17,413.49 7,299.98 20,239.24 17,834.59 16,274.38 15,157.84 24,078.00 18,084.69 15,073.10 14,097.81 Net Cash Inflow / Outflow -158.74 818.10 -202.80 -506.65 -36.56 -1,436.08 893.46 460.01 511.10 1,001.04 Opening Cash & Equivalents 1,437.49 619.40 822.19 1,329.15 1,365.72 2,801.80 1,908.34 1,448.33 3,758.30 2,757.27 Closing Cash & Equivalent 1,278.75 1,437.49 619.40 822.19 1,329.15 1,365.72 2,801.80 1,908.34 4,269.41 3,758.30

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -16,609.17 -7,151.41 -19,632.00 -16,729.27 -17,140.27 -14,737.67 -21,538.47 -18,977.03 -14,273.19 -13,039.43 PBT 6,878.86 6,068.13 3,560.77 2,787.25 3,365.13 3,282.18 3,391.75 2,781.98 2,867.64 2,575.06 Adjustment 633.83 2,445.60 1,571.87 1,469.16 986.03 -347.34 -173.97 1,053.78 1,333.22 972.35 Changes in Working Capital -732.30 174.04 223.21 -794.27 891.39 -6,311.26 2,118.85 -264.83 1,956.84 991.90 Cash after chg. in Working capital 6,780.39 8,687.77 5,355.85 3,462.14 5,242.55 -3,376.42 5,336.63 3,570.93 6,157.69 4,539.30 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -1,210.65 -1,475.13 -1,053.83 -1,093.30 -632.79 -1,016.47 -1,065.91 -955.69 -1,026.53 -736.96 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items -22,178.91 -14,364.05 -23,934.02 -19,098.11 -21,750.03 -10,344.78 -25,809.19 -21,592.27 -19,404.36 -16,841.77 Cash From Investing Activity -938.54 587.29 -799.67 -1,628.21 858.23 -1,851.41 -1,642.33 1,367.96 -277.67 -57.58 Net Fixed Assets -133.48 -134.37 -126.15 -63.43 -44.74 -164.00 -50.41 66.97 -5.41 -16.97 Net Investments -865.11 699.38 -777.81 -1,562.99 860.76 -1,901.31 -1,622.89 -1,445.18 -250.15 -39.70 Others 60.05 22.28 104.29 -1.79 42.21 213.90 30.97 2,746.17 -22.11 -0.91 Cash from Financing Activity 17,413.47 7,345.57 20,248.69 17,850.27 16,244.62 15,155.53 24,068.29 18,074.35 15,072.10 14,097.54 Net Cash Inflow / Outflow -134.24 781.45 -182.98 -507.21 -37.42 -1,433.55 887.49 465.28 521.24 1,000.52 Opening Cash & Equivalents 1,422.82 641.38 824.35 1,331.87 1,369.30 2,802.85 1,915.36 1,450.07 3,773.85 2,773.33 Closing Cash & Equivalent 1,288.58 1,422.82 641.38 824.35 1,331.87 1,369.30 2,802.85 1,915.35 4,295.09 3,773.85

Financial Ratios

Consolidated /

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 659.09 570.71 492.64 448.50 406.64 360.51 322.19 282.20 219.49 181.23 ROA 1.80% 1.68% 1.09% 0.94% 1.21% 1.15% 1.31% 1.25% 1.37% 1.37% ROE 16.05% 16.29% 11.17% 10.12% 14.13% 13.94% 15.94% 15.82% 19.10% 19.58% ROCE 8.93% 8.80% 7.59% 7.11% 8.13% 9.11% 9.39% 9.37% 10.24% 10.58% Fixed Asset Turnover 38.41 43.80 46.17 50.49 58.21 82.61 132.11 106.23 82.44 78.24 Receivable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.53 2.27 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 47.10 75.09 60.63 34.51 31.67 Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 -47.10 -75.09 -60.63 -31.98 -29.40 Total Debt/Equity 7.46 8.04 9.03 9.07 10.13 10.52 10.50 10.20 11.41 12.13 Interest Cover 1.35 1.33 1.22 1.20 1.23 1.22 1.26 1.25 1.29 1.28

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 660.82 572.20 494.18 449.93 408.23 361.93 323.61 283.59 221.05 182.59 ROA 1.81% 1.68% 1.09% 0.94% 1.22% 1.15% 1.31% 1.25% 1.38% 1.37% ROE 16.05% 16.24% 11.13% 10.08% 14.11% 13.90% 15.89% 15.77% 19.07% 19.51% ROCE 8.94% 8.80% 7.57% 7.11% 8.14% 9.11% 9.40% 9.37% 10.25% 10.58% Fixed Asset Turnover 37.88 42.07 42.79 45.82 51.56 71.31 106.06 93.06 78.03 72.84 Receivable days 0.14 0.07 0.07 0.15 0.27 0.31 0.27 1.54 2.59 2.34 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 41.13 64.08 50.59 30.64 29.05 Cash Conversion Cycle 0.14 0.07 0.07 0.15 0.27 -40.81 -63.81 -49.05 -28.05 -26.71 Total Debt/Equity 7.44 8.02 9.00 9.03 10.09 10.47 10.45 10.15 11.32 12.04 Interest Cover 1.35 1.33 1.22 1.20 1.23 1.22 1.26 1.25 1.29 1.28

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Annual Reports:

News Update:

LIC Housing Finance - Quarterly Results
1st Aug 2025, 20:10 PM

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