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LIC Housing Finance Ltd.

Finance - Housing

Rating :
51/99

BSE: 500253 | NSE: LICHSGFIN

NSE BSE
339.30
01-Dec-2020
  • Open
  • High
  • Low
  • Previous Close
  •  325.75
  •  342.50
  •  325.70
  •  329.00
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  10531600
  •  35546.55
  •  486.75
  •  185.25

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 17,123.22
  • 6.48
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 206,380.80
  • 2.36%
  • 0.86

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 40.31%
  • 0.83%
  • 10.45%
  • FII
  • DII
  • Others
  • 34.44%
  • 11.76%
  • 2.21%

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
  • 12.99
  • 13.17
  • 10.68

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.17
  • 2.12
  • 1.57

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 10.96
  • 11.00
  • 10.98

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 20
Sep 19
Var%
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Net Sales
4,977.34
4,980.06
-0.05%
5,011.50
4,815.57
4.07%
4,935.20
4,666.49
5.76%
5,005.36
4,465.37
12.09%
Expenses
263.85
413.46
-36.18%
187.26
359.13
-47.86%
291.77
275.76
5.81%
527.92
261.40
101.96%
EBITDA
4,713.49
4,566.60
3.22%
4,824.24
4,456.44
8.25%
4,643.43
4,390.73
5.76%
4,477.44
4,203.97
6.51%
EBIDTM
94.70%
91.70%
96.26%
92.54%
14.01%
94.09%
89.45%
94.15%
Other Income
10.30
0.74
1,291.89%
-25.49
0.95
-
-31.66
1.28
-
0.76
0.39
94.87%
Interest
3,699.86
3,701.59
-0.05%
3,763.91
3,602.31
4.49%
3,763.73
3,397.86
10.77%
3,713.80
3,329.77
11.53%
Depreciation
13.13
12.47
5.29%
13.07
10.49
24.59%
15.11
3.24
366.36%
13.04
3.02
331.79%
PBT
1,010.80
853.28
18.46%
1,021.77
844.59
20.98%
832.93
990.91
-15.94%
751.36
871.57
-13.79%
Tax
221.13
85.33
159.15%
197.69
235.46
-16.04%
408.62
294.00
38.99%
149.11
264.28
-43.58%
PAT
789.67
767.95
2.83%
824.08
609.13
35.29%
424.31
696.91
-39.12%
602.25
607.29
-0.83%
PATM
15.87%
15.42%
16.44%
12.65%
7.11%
14.93%
12.03%
13.60%
EPS
15.65
15.22
2.83%
16.33
12.07
35.29%
8.41
13.81
-39.10%
11.93
12.03
-0.83%

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
19,929.40
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
5.29%
13.46%
16.94%
5.70%
12.81%
16.03%
15.96%
20.45%
24.71%
32.54%
 
Cost Of Goods Sold
4,644.94
4.69
4.18
7.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
15,284.46
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
76.69%
99.98%
99.98%
99.95%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
1,270.80
1,626.36
1,103.75
940.45
1,024.53
718.10
501.55
420.22
470.60
450.18
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.
-
30.93
59.26
99.76
240.88
219.16
164.95
146.80
145.98
124.33
106.82
% Of Sales
-
0.16%
0.34%
0.67%
1.71%
1.76%
1.53%
1.58%
1.90%
2.01%
2.29%
General & Admin Exp.
-
148.13
111.04
84.00
142.05
125.95
120.34
108.05
77.25
64.64
59.59
% Of Sales
-
0.75%
0.64%
0.56%
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
375.36
208.49
77.18
52.68
149.22
179.88
0.00
% Of Sales
-
5.65%
3.76%
3.39%
2.67%
1.67%
0.72%
0.57%
1.94%
2.91%
5.91%
EBITDA
18,658.60
18,110.30
16,291.63
13,934.42
13,047.53
11,756.54
10,249.74
8,851.59
7,227.03
5,722.14
4,140.35
EBITDA Margin
93.62%
91.76%
93.65%
93.68%
92.72%
94.24%
95.33%
95.47%
93.89%
92.71%
88.91%
Other Income
-46.09
4.97
3.08
1.59
166.76
135.17
189.44
164.44
123.31
111.66
253.71
Interest
14,941.30
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
54.35
51.11
11.92
10.21
9.70
10.01
9.65
7.80
7.71
7.59
6.41
PBT
3,616.86
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
976.55
878.52
957.38
773.82
1,031.35
907.44
721.79
512.44
364.04
318.80
320.65
Tax Rate
27.00%
26.77%
28.23%
27.82%
34.69%
35.24%
34.06%
27.94%
25.67%
25.81%
24.86%
PAT
2,640.31
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
2,639.96
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
-0.35
-0.40
-0.42
-0.22
-0.01
-0.29
-0.30
-0.33
-0.67
0.17
0.35
PAT Margin
13.25%
12.18%
13.99%
13.50%
13.80%
13.37%
13.00%
14.25%
13.68%
14.85%
20.82%
PAT Growth
-1.53%
-1.26%
21.22%
3.41%
16.46%
19.33%
5.76%
25.42%
14.93%
-5.48%
 
EPS
52.31
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
167,687.96
155,701.18
136,931.45
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
14,071.81
9,657.56
6,770.10
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
30,438.19
28,111.52
19,534.02
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
12,831.17
25,212.12
22,280.98
19,432.75
15,577.03
14,337.23
11,302.74
9,670.93
Short Term Borrowings
23,764.14
15,934.11
6,650.22
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
210,576.02
194,698.49
168,505.31
136,326.00
118,159.66
102,265.03
86,319.80
73,675.49
58,341.58
46,863.26
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
2,008.23
519.19
263.67
228.59
192.16
180.36
171.72
173.49
Long Term Loans & Adv.
370.71
162.84
222.29
213.58
136.08
121.15
146.25
172.03
160.48
126.12
Other Non Current Assets
103.84
96.22
13.44
71.59
5.33
0.30
12.83
1.55
3.57
3.52
Current Assets
5,817.44
5,447.22
2,273.23
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
0.00
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
163.27
68.40
56.34
880.20
8,336.03
7,286.95
6,137.57
5,120.25
5,561.49
4,905.27
Short Term Loans & Adv.
36.74
19.55
60.38
9,137.89
7,538.97
6,570.39
5,511.76
4,575.05
5,159.52
4,599.47
Net Current Assets
-24,620.75
-22,664.30
-17,260.79
-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
2,867.19
2,575.14
2,117.40
1,830.65
1,411.55
1,238.65
1,272.53
Adjustment
-347.34
-173.97
1,053.78
1,333.66
972.27
423.42
561.72
569.18
152.79
90.39
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
-19,404.36
-16,841.77
-17,042.65
-13,524.90
-14,761.38
-11,985.53
-13,002.39
Extra & Other Items
-10,344.78
-25,809.19
-21,592.27
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
88.31
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%
9.46%
9.45%
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
45.76
65.30
51.57
30.83
29.06
30.63
33.82
27.44
27.34
101.15
Cash Conversion Cycle
-45.44
-65.03
-50.03
-28.24
-26.72
-28.18
-31.14
-24.15
-23.82
-99.34
Total Debt/Equity
10.47
10.45
9.98
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 sanctions over Rs 1,000 crore loans to pensioners in two months
    26th Oct 2020, 17:17 PM

    The company has launched a new loan product called Griha Varishta, which focused on pensioners and those holding pensionable jobs and are nearing retirement

    Read More
  • LIC Housing Finance launches Project RED to improve efficiencies
    9th Oct 2020, 09:37 AM

    The company has engaged Boston Consulting Group as its consultant for this project

    Read More
  • LIC Housing Finance disburses Rs 2,115 crore subsidy to over 1 lakh borrowers
    7th Oct 2020, 11:38 AM

    Total loan disbursed under this scheme is over Rs 12,000 crore, making the company second largest lender under this scheme

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  • LIC Housing Finance to seek shareholders' approval to raise up to Rs 50,500 crore
    3rd Sep 2020, 14:22 PM

    The company's annual general meeting is scheduled to take place through video conference and other audio-visual means on September 28, 2020

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  • LIC Housing Finance reports 35% rise in Q1 consolidated net profit
    25th Aug 2020, 15:28 PM

    Total income of the company increased by 3.52% at Rs 4986.01 crore for Q1FY21

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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.