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LIC Housing Finance Ltd.

Finance - Housing

Rating :
53/99

BSE: 500253 | NSE: LICHSGFIN

NSE BSE
422.80
07-May-2021
  • Open
  • High
  • Low
  • Previous Close
  •  414.50
  •  425.00
  •  413.20
  •  412.20
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  3473664
  •  14616.88
  •  487.40
  •  219.20

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 21,332.11
  • 7.73
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 210,589.69
  • 1.89%
  • 1.04

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 40.31%
  • 0.78%
  • 10.05%
  • FII
  • DII
  • Others
  • 28.2%
  • 16.19%
  • 4.47%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 15.54
  • 9.61
  • 9.89

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 15.90
  • 9.03
  • 5.38

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.50
  • 7.59
  • 6.17

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.45
  • 11.91
  • 8.73

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.11
  • 1.96
  • 1.37

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 10.95
  • 11.03
  • 10.99

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 20
Dec 19
Var%
Sep 20
Sep 19
Var%
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Net Sales
4,911.03
5,005.26
-1.88%
4,977.34
4,980.06
-0.05%
5,011.50
4,815.57
4.07%
4,935.20
4,666.49
5.76%
Expenses
348.37
527.81
-34.00%
263.85
413.46
-36.18%
187.26
359.13
-47.86%
291.77
275.76
5.81%
EBITDA
4,562.66
4,477.45
1.90%
4,713.49
4,566.60
3.22%
4,824.24
4,456.44
8.25%
4,643.43
4,390.73
5.76%
EBIDTM
92.91%
89.45%
94.70%
91.70%
96.26%
92.54%
14.01%
94.09%
Other Income
15.62
0.76
1,955.26%
10.30
0.74
1,291.89%
-25.49
0.95
-
-31.66
1.28
-
Interest
3,594.41
3,713.81
-3.22%
3,699.86
3,701.59
-0.05%
3,763.91
3,602.31
4.49%
3,763.73
3,397.86
10.77%
Depreciation
13.79
13.04
5.75%
13.13
12.47
5.29%
13.07
10.49
24.59%
15.11
3.24
366.36%
PBT
970.08
751.36
29.11%
1,010.80
853.28
18.46%
1,021.77
844.59
20.98%
832.93
990.91
-15.94%
Tax
248.97
149.11
66.97%
221.13
85.33
159.15%
197.69
235.46
-16.04%
408.62
294.00
38.99%
PAT
721.11
602.25
19.74%
789.67
767.95
2.83%
824.08
609.13
35.29%
424.31
696.91
-39.12%
PATM
14.68%
12.03%
15.87%
15.42%
16.44%
12.65%
7.11%
14.93%
EPS
14.25
11.93
19.45%
15.72
15.22
3.29%
16.32
12.07
35.21%
28.29
13.81
104.85%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Sales
19,835.07
19,736.66
17,395.38
14,874.87
14,072.06
12,474.64
10,751.29
9,271.81
7,697.63
6,172.32
4,656.97
Net Sales Growth
1.89%
13.46%
16.94%
5.70%
12.81%
16.03%
15.96%
20.45%
24.71%
32.54%
 
Cost Of Goods Sold
4,644.55
4.69
4.18
7.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
15,190.52
19,731.97
17,391.20
14,867.69
14,072.06
12,474.64
10,751.29
9,271.81
7,697.63
6,172.32
4,656.97
GP Margin
76.58%
99.98%
99.98%
99.95%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
1,091.25
1,626.36
1,103.75
940.45
1,024.53
718.10
501.55
420.22
470.60
450.11
516.62
Power & Fuel Cost
-
5.70
5.69
5.59
5.77
5.35
5.31
4.78
4.37
3.59
3.40
% Of Sales
-
0.03%
0.03%
0.04%
0.04%
0.04%
0.05%
0.05%
0.06%
0.06%
0.07%
Employee Cost
-
327.62
274.58
245.10
266.23
164.50
139.09
112.69
98.16
81.33
75.01
% Of Sales
-
1.66%
1.58%
1.65%
1.89%
1.32%
1.29%
1.22%
1.28%
1.32%
1.61%
Manufacturing Exp.
-
78.32
66.05
106.92
244.17
219.36
169.75
168.73
179.53
138.34
106.82
% Of Sales
-
0.40%
0.38%
0.72%
1.74%
1.76%
1.58%
1.82%
2.33%
2.24%
2.29%
General & Admin Exp.
-
100.74
104.25
76.84
142.05
125.95
120.34
108.05
77.25
64.64
59.60
% Of Sales
-
0.51%
0.60%
0.52%
1.01%
1.01%
1.12%
1.17%
1.00%
1.05%
1.28%
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.
-
1,114.99
654.69
504.41
372.07
208.28
72.38
30.75
115.67
165.80
0.00
% Of Sales
-
5.65%
3.76%
3.39%
2.64%
1.67%
0.67%
0.33%
1.50%
2.69%
5.91%
EBITDA
18,743.82
18,110.30
16,291.63
13,934.42
13,047.53
11,756.54
10,249.74
8,851.59
7,227.03
5,722.21
4,140.35
EBITDA Margin
94.50%
91.76%
93.65%
93.68%
92.72%
94.24%
95.33%
95.47%
93.89%
92.71%
88.91%
Other Income
-31.23
4.97
3.08
1.59
166.76
135.17
189.44
164.44
123.31
111.58
253.71
Interest
14,821.91
14,781.98
12,891.04
11,143.82
10,231.41
9,306.64
8,310.22
7,174.36
5,924.59
4,591.06
3,097.71
Depreciation
55.10
51.11
11.92
10.21
9.70
10.01
9.65
7.80
7.71
7.59
6.41
PBT
3,835.58
3,282.18
3,391.75
2,781.98
2,973.18
2,575.06
2,119.31
1,833.86
1,418.04
1,235.13
1,289.94
Tax
1,076.41
878.52
957.38
773.82
1,031.35
907.44
721.79
512.44
364.04
318.80
320.65
Tax Rate
28.06%
26.77%
28.23%
27.82%
34.69%
35.24%
34.06%
27.94%
25.67%
25.81%
24.86%
PAT
2,759.17
2,403.26
2,433.95
2,007.94
1,941.81
1,667.32
1,397.22
1,321.08
1,053.33
916.50
969.64
PAT before Minority Interest
2,758.90
2,403.66
2,434.37
2,008.16
1,941.82
1,667.61
1,397.52
1,321.41
1,054.00
916.33
969.29
Minority Interest
-0.27
-0.40
-0.42
-0.22
-0.01
-0.29
-0.30
-0.33
-0.67
0.17
0.35
PAT Margin
13.91%
12.18%
13.99%
13.50%
13.80%
13.37%
13.00%
14.25%
13.68%
14.85%
20.82%
PAT Growth
3.10%
-1.26%
21.22%
3.41%
16.46%
19.33%
5.76%
25.42%
14.93%
-5.48%
 
EPS
54.67
47.62
48.23
39.78
38.47
33.04
27.68
26.18
20.87
18.16
19.21

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Shareholder's Funds
18,264.87
16,330.82
14,311.19
11,155.85
9,214.57
7,880.06
7,585.88
6,533.37
5,710.21
4,191.65
Share Capital
100.99
100.99
100.99
101.00
101.00
101.00
101.00
101.00
101.00
95.00
Total Reserves
18,163.88
16,229.83
14,210.20
11,054.85
9,113.58
7,779.06
7,484.88
6,432.37
5,609.21
4,096.65
Non-Current Liabilities
155,116.15
148,043.62
132,661.35
106,843.53
93,150.15
82,216.08
68,305.68
56,761.96
46,549.95
37,546.23
Secured Loans
153,458.55
145,065.47
129,388.05
98,200.63
85,924.55
76,655.85
64,170.02
52,725.35
42,914.54
33,878.65
Unsecured Loans
1,500.00
2,000.00
2,500.00
5,538.26
4,733.59
3,862.70
3,542.31
3,542.58
3,196.75
3,335.33
Long Term Provisions
148.62
118.54
122.32
997.76
806.70
696.99
706.31
687.72
623.15
467.97
Current Liabilities
43,010.00
35,769.08
23,804.12
32,996.02
28,220.84
22,532.61
19,712.71
17,102.20
13,363.42
10,662.14
Trade Payables
30.63
74.90
52.63
51.44
36.94
26.68
26.92
23.55
15.01
17.51
Other Current Liabilities
6,643.42
12,102.51
10,331.17
25,212.12
22,280.98
19,432.75
15,577.03
14,337.23
11,302.74
9,670.93
Short Term Borrowings
36,335.95
23,591.67
13,420.32
7,587.22
5,440.44
2,698.01
3,738.11
2,437.24
1,758.62
731.78
Short Term Provisions
0.00
0.00
0.00
145.24
462.48
375.17
370.64
304.18
287.05
241.92
Total Liabilities
216,393.46
200,145.71
170,778.54
150,997.04
130,587.19
112,630.25
95,605.36
80,398.29
65,623.66
52,400.07
Net Block
294.43
168.08
129.46
102.37
102.40
90.17
86.36
73.20
73.60
45.14
Gross Block
363.39
189.26
138.76
180.91
179.79
162.72
146.50
126.98
120.27
84.67
Accumulated Depreciation
68.96
21.18
9.30
78.54
77.39
72.55
60.14
53.79
46.67
39.53
Non Current Assets
210,588.76
194,710.06
167,541.87
136,326.00
118,159.66
102,265.03
86,319.80
73,675.49
58,341.58
46,863.16
Capital Work in Progress
2.92
2.19
2.74
5.06
0.25
0.25
0.25
0.25
0.68
3.47
Non Current Investment
1,889.28
1,323.19
994.49
519.19
263.67
228.59
192.16
180.36
171.72
173.49
Long Term Loans & Adv.
453.97
244.93
272.59
213.58
136.08
121.15
146.25
172.03
164.04
129.40
Other Non Current Assets
33.32
25.70
13.44
71.59
5.33
0.30
12.83
1.55
0.01
0.14
Current Assets
5,804.70
5,435.65
3,236.67
14,671.02
12,427.52
10,365.22
9,285.53
6,722.74
7,282.01
5,536.80
Current Investments
3,595.45
2,294.15
1,013.74
18.20
16.71
12.84
1.92
14.62
0.03
0.04
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.12
0.00
Sundry Debtors
21.80
11.99
13.50
112.19
87.66
72.51
71.81
64.16
73.92
44.96
Cash & Bank
2,036.92
3,053.13
2,143.01
4,522.54
3,987.13
2,992.91
3,074.22
1,523.46
1,646.45
586.54
Other Current Assets
150.53
68.40
56.34
880.20
8,336.03
7,286.95
6,137.58
5,120.25
5,561.49
4,905.27
Short Term Loans & Adv.
24.00
7.98
10.08
9,137.89
7,538.97
6,570.39
5,480.55
4,575.05
5,159.52
4,599.47
Net Current Assets
-37,205.30
-30,333.43
-20,567.45
-18,324.99
-15,793.31
-12,167.39
-10,427.18
-10,379.46
-6,081.41
-5,125.34
Total Assets
216,393.46
200,145.71
170,778.54
150,997.02
130,587.18
112,630.25
95,605.35
80,398.28
65,623.67
52,400.06

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Cash From Operating Activity
-14,737.67
-21,538.47
-18,977.03
-14,273.19
-13,039.43
-14,345.37
-11,522.84
-12,578.11
-11,620.73
-10,477.79
PBT
3,282.18
3,391.75
2,781.98
2,867.64
2,575.06
2,119.31
1,833.86
1,418.04
1,235.13
1,289.94
Adjustment
-347.34
-173.97
1,053.78
1,333.22
972.35
421.50
558.51
562.69
156.31
72.98
Changes in Working Capital
-6,311.26
2,118.85
-264.83
1,956.84
991.90
742.70
136.01
590.56
-660.79
1,560.29
Cash after chg. in Working capital
-3,376.42
5,336.63
3,570.93
6,157.69
4,539.30
3,283.51
2,528.38
2,571.29
730.65
2,923.21
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-1,016.47
-1,065.91
-955.69
-1,026.53
-736.96
-586.22
-526.33
-388.03
-365.85
-398.61
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
-10,344.78
-25,809.19
-21,592.27
-19,404.36
-16,841.77
-17,042.65
-13,524.90
-14,761.38
-11,985.53
-13,002.39
Cash From Investing Activity
-1,851.41
-1,642.33
1,367.96
-277.67
-57.58
-57.69
-1.52
-26.81
-21.35
129.08
Net Fixed Assets
-163.08
-50.41
66.97
-5.41
-16.97
-16.10
-19.42
-7.10
-35.34
-4.36
Net Investments
-1,901.31
-1,622.89
-1,445.18
-250.15
-39.70
-37.83
-14.68
-20.61
0.88
1,223.80
Others
212.98
30.97
2,746.17
-22.11
-0.91
-3.76
32.58
0.90
13.11
-1,090.36
Cash from Financing Activity
15,155.53
24,068.29
18,074.35
15,072.10
14,097.54
14,231.64
13,048.20
12,466.77
11,541.66
10,238.03
Net Cash Inflow / Outflow
-1,433.55
887.49
465.28
521.24
1,000.52
-171.42
1,523.84
-138.16
-100.42
-110.68
Opening Cash & Equivalents
2,802.85
1,915.36
1,450.07
3,773.85
2,773.33
2,944.75
1,420.91
1,559.07
1,659.49
677.58
Closing Cash & Equivalent
1,369.30
2,802.85
1,915.35
4,295.09
3,773.85
2,773.33
2,944.75
1,420.91
1,559.07
566.90

Financial Ratios

Consolidated /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Book Value (Rs.)
361.93
323.61
283.59
221.05
182.59
156.14
150.31
129.46
113.15
88.30
ROA
1.15%
1.31%
1.25%
1.38%
1.37%
1.34%
1.50%
1.44%
1.55%
2.09%
ROE
13.90%
15.89%
15.77%
19.07%
19.51%
18.07%
18.72%
17.22%
18.51%
25.39%
ROCE
9.11%
9.40%
9.37%
10.25%
10.58%
10.75%
10.92%
10.71%
10.48%
10.02%
Fixed Asset Turnover
71.43
106.06
93.06
78.03
72.84
69.54
67.80
62.26
60.24
57.14
Receivable days
0.31
0.27
1.54
2.59
2.34
2.45
2.68
3.27
3.51
1.81
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.01
0.00
Payable days
41.13
64.08
50.59
30.64
29.05
30.18
31.30
24.26
25.68
101.15
Cash Conversion Cycle
-40.81
-63.81
-49.05
-28.05
-26.71
-27.73
-28.62
-20.98
-22.16
-99.34
Total Debt/Equity
10.47
10.45
10.15
11.32
12.04
12.25
10.81
10.53
9.82
10.77
Interest Cover
1.22
1.26
1.25
1.29
1.28
1.26
1.26
1.24
1.27
1.42

Annual Reports:

FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015
FY 2014
FY 2013
FY 2012
FY 2011

News Update:


  • LIC Housing Finance’s parent organization collects Rs 1.84 lakh crore new premiums in FY21
    21st Apr 2021, 08:46 AM

    It also paid out Rs 1.34 lakh crore as claims during the year

    Read More
  • LIC Housing Finance’s parent organization introduces new policy ‘Bachat Plus’
    16th Mar 2021, 10:51 AM

    The company has introduced a new policy, Bachat Plus that offers a combination of protection and savings

    Read More
  • Government proposes to hike LIC Housing’s parent company's authorised capital
    8th Mar 2021, 12:05 PM

    Currently, the paid-up capital of the life insurance company with over 29 crore policies is Rs 100 crore

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  • LIC Housing Finance disburses Rs 1331 crore of loans through mobile app
    19th Feb 2021, 16:44 PM

    'Homy' app facilitated 14,155 customer home loan applications since its launch on February 14, 2020

    Read More
  • LIC Housing Finance reports 20% rise in Q3 consolidated net profit
    29th Jan 2021, 16:57 PM

    Total income of the company marginally decreased by 1.59% at Rs 4926.65 crore for Q3FY21

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.