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:
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167.95 (0.75%)
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Nifty
Sensex
:
:
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74339.44
167.95 (0.75%)
486.50 (0.66%)

LIC Housing Finance Ltd.

Finance - Housing

Rating :
62/99

BSE: 500253 | NSE: LICHSGFIN

NSE BSE
661.25
25-Apr-2024
  • Open
  • High
  • Low
  • Previous Close
  •  675.00
  •  675.00
  •  656.50
  •  673.45
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2711612
  •  17990.36
  •  681.50
  •  336.25

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 37,030.24
  • 7.60
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 126,265.17
  • 1.26%
  • 1.22

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 45.24%
  • 0.95%
  • 8.13%
  • FII
  • DII
  • Others
  • 22.31%
  • 22.03%
  • 1.34%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.37
  • 5.48
  • 4.54

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.36
  • 3.93
  • 2.03

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.15
  • 3.50
  • 1.79

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.82
  • 7.60
  • 7.59

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.56
  • 1.00
  • 0.91

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.40
  • 11.53
  • 12.01

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Net Sales
6,804.19
5,890.15
15.52%
6,765.44
5,096.35
32.75%
6,759.13
5,296.28
27.62%
6,431.12
5,327.87
20.71%
Expenses
685.64
1,069.30
-35.88%
669.76
811.42
-17.46%
601.79
504.23
19.35%
581.55
456.39
27.42%
EBITDA
6,118.55
4,820.85
26.92%
6,095.68
4,284.93
42.26%
6,157.34
4,792.05
28.49%
5,849.57
4,871.48
20.08%
EBIDTM
89.92%
81.85%
90.10%
84.08%
91.10%
90.48%
90.96%
91.43%
Other Income
0.00
5.79
-100.00%
0.43
5.05
-91.49%
0.00
6.22
-100.00%
0.11
8.61
-98.72%
Interest
4,645.92
4,232.09
9.78%
4,599.91
3,885.81
18.38%
4,493.11
3,639.35
23.46%
4,377.50
3,551.12
23.27%
Depreciation
18.31
17.38
5.35%
13.16
16.00
-17.75%
19.40
16.25
19.38%
19.41
14.99
29.49%
PBT
1,454.32
577.17
151.97%
1,483.04
388.17
282.06%
1,644.83
1,142.67
43.95%
1,452.77
1,313.98
10.56%
Tax
287.72
115.20
149.76%
291.18
76.73
279.49%
325.79
215.78
50.98%
261.89
200.22
30.80%
PAT
1,166.60
461.97
152.53%
1,191.86
311.44
282.69%
1,319.04
926.89
42.31%
1,190.88
1,113.76
6.92%
PATM
17.15%
7.84%
17.62%
6.11%
19.51%
17.50%
18.52%
20.90%
EPS
21.24
8.38
153.46%
21.68
5.68
281.69%
23.96
16.83
42.36%
21.64
20.23
6.97%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Net Sales
26,759.88
22,713.89
19,974.36
19,881.70
19,736.66
17,395.38
14,874.87
14,072.06
12,474.64
10,751.29
9,271.81
Net Sales Growth
23.83%
13.72%
0.47%
0.73%
13.46%
16.94%
5.70%
12.81%
16.03%
15.96%
 
Cost Of Goods Sold
0.00
0.00
0.00
1.03
4.69
4.18
7.18
0.00
0.00
0.00
0.00
Gross Profit
26,759.88
22,713.89
19,974.36
19,880.67
19,731.97
17,391.20
14,867.69
14,072.06
12,474.64
10,751.29
9,271.81
GP Margin
100.00%
100%
100%
99.99%
99.98%
99.98%
99.95%
100%
100%
100%
100%
Total Expenditure
2,538.74
2,963.65
3,011.77
2,017.55
1,626.36
1,103.75
940.45
1,024.53
718.10
501.55
420.22
Power & Fuel Cost
-
6.07
5.27
5.09
5.70
5.69
5.59
5.77
5.35
5.31
4.78
% Of Sales
-
0.03%
0.03%
0.03%
0.03%
0.03%
0.04%
0.04%
0.04%
0.05%
0.05%
Employee Cost
-
516.41
602.45
323.78
327.62
274.58
245.10
266.23
164.50
139.09
112.69
% Of Sales
-
2.27%
3.02%
1.63%
1.66%
1.58%
1.65%
1.89%
1.32%
1.29%
1.22%
Manufacturing Exp.
-
239.93
160.54
130.52
78.32
66.05
106.92
244.17
219.36
169.75
168.73
% Of Sales
-
1.06%
0.80%
0.66%
0.40%
0.38%
0.72%
1.74%
1.76%
1.58%
1.82%
General & Admin Exp.
-
148.01
118.55
117.34
100.74
104.25
76.84
142.05
125.95
120.34
108.05
% Of Sales
-
0.65%
0.59%
0.59%
0.51%
0.60%
0.52%
1.01%
1.01%
1.12%
1.17%
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.
-
2,059.30
2,130.23
1,444.88
1,114.99
654.69
504.41
372.07
208.28
72.38
0.00
% Of Sales
-
9.07%
10.66%
7.27%
5.65%
3.76%
3.39%
2.64%
1.67%
0.67%
0.33%
EBITDA
24,221.14
19,750.24
16,962.59
17,864.15
18,110.30
16,291.63
13,934.42
13,047.53
11,756.54
10,249.74
8,851.59
EBITDA Margin
90.51%
86.95%
84.92%
89.85%
91.76%
93.65%
93.68%
92.72%
94.24%
95.33%
95.47%
Other Income
0.54
14.32
30.95
3.83
4.97
3.08
1.59
166.76
135.17
189.44
164.44
Interest
18,116.44
16,134.75
14,151.09
14,450.38
14,781.98
12,891.04
11,143.82
10,231.41
9,306.64
8,310.22
7,174.36
Depreciation
70.28
69.04
55.19
52.47
51.12
11.92
10.21
9.70
10.01
9.65
7.80
PBT
6,034.96
3,560.77
2,787.26
3,365.13
3,282.17
3,391.75
2,781.98
2,973.18
2,575.06
2,119.31
1,833.86
Tax
1,166.58
669.60
501.26
624.00
878.52
957.38
773.82
1,031.35
907.44
721.79
512.44
Tax Rate
19.33%
18.80%
17.98%
18.54%
26.77%
28.23%
27.82%
34.69%
35.24%
34.06%
27.94%
PAT
4,868.38
2,890.76
2,285.65
2,740.72
2,403.25
2,433.95
2,007.94
1,941.81
1,667.32
1,397.22
1,321.08
PAT before Minority Interest
4,867.99
2,891.17
2,286.00
2,741.13
2,403.65
2,434.37
2,008.16
1,941.82
1,667.61
1,397.52
1,321.41
Minority Interest
-0.39
-0.41
-0.35
-0.41
-0.40
-0.42
-0.22
-0.01
-0.29
-0.30
-0.33
PAT Margin
18.19%
12.73%
11.44%
13.79%
12.18%
13.99%
13.50%
13.80%
13.37%
13.00%
14.25%
PAT Growth
73.00%
26.47%
-16.60%
14.04%
-1.26%
21.22%
3.41%
16.46%
19.33%
5.76%
 
EPS
88.50
52.55
41.55
49.82
43.69
44.25
36.50
35.30
30.31
25.40
24.02

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Shareholder's Funds
27,184.67
24,750.82
20,601.43
18,264.86
16,330.82
14,311.19
11,155.85
9,214.57
7,880.06
7,585.88
Share Capital
110.08
110.08
100.99
100.99
100.99
100.99
101.00
101.00
101.00
101.00
Total Reserves
27,074.59
24,640.74
20,500.44
18,163.87
16,229.83
14,210.20
11,054.85
9,113.58
7,779.06
7,484.88
Non-Current Liabilities
208,647.57
195,324.85
180,267.45
155,116.15
148,043.62
132,661.35
106,843.53
93,150.15
82,216.08
68,305.68
Secured Loans
196,882.66
175,012.36
159,038.37
151,962.84
145,065.47
129,388.05
98,200.63
85,924.55
76,655.85
64,170.02
Unsecured Loans
13,376.53
21,330.26
21,528.95
2,995.71
2,000.00
2,500.00
5,538.26
4,733.59
3,862.70
3,542.31
Long Term Provisions
176.97
173.93
147.51
148.62
118.54
122.32
997.76
806.70
696.99
706.31
Current Liabilities
40,827.67
33,236.82
33,931.29
43,010.00
35,769.08
23,804.12
32,996.02
28,220.84
22,532.61
19,712.71
Trade Payables
33.72
53.97
85.97
30.63
74.90
52.63
51.44
36.94
26.68
26.92
Other Current Liabilities
6,320.48
5,918.63
6,607.31
6,643.42
12,102.51
10,331.17
25,212.12
22,280.98
19,432.75
15,577.03
Short Term Borrowings
34,469.60
27,264.22
27,230.25
36,335.95
23,591.67
13,420.32
7,587.22
5,440.44
2,698.01
3,738.11
Short Term Provisions
3.87
0.00
7.76
0.00
0.00
0.00
145.24
462.48
375.17
370.64
Total Liabilities
276,663.10
253,315.41
234,802.88
216,393.45
200,145.71
170,778.54
150,997.04
130,587.19
112,630.25
95,605.36
Net Block
388.48
314.82
281.87
294.43
168.08
129.46
102.37
102.40
90.17
86.36
Gross Block
654.24
465.09
406.85
364.30
189.26
138.76
180.91
179.79
162.72
146.50
Accumulated Depreciation
265.76
150.27
124.98
69.87
21.18
9.30
78.54
77.39
72.55
60.14
Non Current Assets
273,288.37
250,552.92
231,047.45
210,588.75
194,710.06
167,541.87
136,326.00
118,159.66
102,265.03
86,319.80
Capital Work in Progress
0.84
4.30
6.34
2.92
2.19
2.74
5.06
0.25
0.25
0.25
Non Current Investment
4,758.63
4,716.60
2,473.89
1,889.27
1,323.19
994.49
519.19
263.67
228.59
192.16
Long Term Loans & Adv.
339.58
260.88
127.05
453.97
244.93
272.59
213.58
136.08
121.15
146.25
Other Non Current Assets
39.60
34.11
115.27
33.32
25.70
13.44
71.59
5.33
0.30
12.83
Current Assets
3,135.84
2,655.11
3,755.43
5,804.70
5,435.65
3,236.67
14,671.02
12,427.52
10,365.22
9,285.53
Current Investments
2,291.08
1,562.78
2,170.01
3,595.45
2,294.15
1,013.74
18.20
16.71
12.84
1.92
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
0.72
8.38
7.70
21.80
11.99
13.50
112.19
87.66
72.51
71.81
Cash & Bank
821.56
984.66
1,384.96
2,036.92
3,053.13
2,143.01
4,522.54
3,987.13
2,992.91
3,074.22
Other Current Assets
22.48
80.52
179.97
126.51
76.38
66.42
10,018.09
8,336.03
7,286.95
6,137.58
Short Term Loans & Adv.
22.35
18.77
12.79
24.02
7.98
10.08
9,137.89
7,538.97
6,570.39
5,480.55
Net Current Assets
-37,691.83
-30,581.71
-30,175.86
-37,205.30
-30,333.43
-20,567.45
-18,324.99
-15,793.31
-12,167.39
-10,427.18
Total Assets
276,424.21
253,208.03
234,802.88
216,393.45
200,145.71
170,778.54
150,997.02
130,587.18
112,630.25
95,605.35

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Cash From Operating Activity
-19,632.43
-16,729.27
-17,140.27
-14,737.67
-21,538.47
-18,977.03
-14,273.19
-13,039.43
-14,345.37
-11,522.84
PBT
3,560.77
2,787.25
3,365.13
3,282.18
3,391.75
2,781.98
2,867.64
2,575.06
2,119.31
1,833.86
Adjustment
1,571.44
1,469.16
986.03
-347.34
-173.97
1,053.78
1,333.22
972.35
421.50
558.51
Changes in Working Capital
223.21
-794.27
891.39
-6,311.26
2,118.85
-264.83
1,956.84
991.90
742.70
136.01
Cash after chg. in Working capital
5,355.42
3,462.14
5,242.55
-3,376.42
5,336.63
3,570.93
6,157.69
4,539.30
3,283.51
2,528.38
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-1,053.83
-1,093.30
-632.79
-1,016.47
-1,065.91
-955.69
-1,026.53
-736.96
-586.22
-526.33
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
-23,934.02
-19,098.11
-21,750.03
-10,344.78
-25,809.19
-21,592.27
-19,404.36
-16,841.77
-17,042.65
-13,524.90
Cash From Investing Activity
-799.24
-1,628.21
858.23
-1,851.41
-1,642.33
1,367.96
-277.67
-57.58
-57.69
-1.52
Net Fixed Assets
-183.92
-63.43
-44.74
-164.00
-50.41
66.97
-5.41
-16.97
-16.10
-19.42
Net Investments
-777.81
-1,562.99
860.76
-1,901.31
-1,622.89
-1,445.18
-250.15
-39.70
-37.83
-14.68
Others
162.49
-1.79
42.21
213.90
30.97
2,746.17
-22.11
-0.91
-3.76
32.58
Cash from Financing Activity
20,248.69
17,850.27
16,244.62
15,155.53
24,068.29
18,074.35
15,072.10
14,097.54
14,231.64
13,048.20
Net Cash Inflow / Outflow
-182.98
-507.21
-37.42
-1,433.55
887.49
465.28
521.24
1,000.52
-171.42
1,523.84
Opening Cash & Equivalents
824.35
1,331.87
1,369.30
2,802.85
1,915.36
1,450.07
3,773.85
2,773.33
2,944.75
1,420.91
Closing Cash & Equivalent
641.38
824.35
1,331.87
1,369.30
2,802.85
1,915.35
4,295.09
3,773.85
2,773.33
2,944.75

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Book Value (Rs.)
494.18
449.93
408.23
361.93
323.61
283.59
221.05
182.59
156.14
150.31
ROA
1.09%
0.94%
1.22%
1.15%
1.31%
1.25%
1.38%
1.37%
1.34%
1.50%
ROE
11.13%
10.08%
14.11%
13.90%
15.89%
15.77%
19.07%
19.51%
18.07%
18.72%
ROCE
7.57%
7.11%
8.14%
9.11%
9.40%
9.37%
10.25%
10.58%
10.75%
10.92%
Fixed Asset Turnover
40.58
45.82
51.56
71.31
106.06
93.06
78.03
72.84
69.54
67.80
Receivable days
0.07
0.15
0.27
0.31
0.27
1.54
2.59
2.34
2.45
2.68
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
41.13
64.08
50.59
30.64
29.05
30.18
31.30
Cash Conversion Cycle
0.07
0.15
0.27
-40.81
-63.81
-49.05
-28.05
-26.71
-27.73
-28.62
Total Debt/Equity
9.00
9.03
10.09
10.47
10.45
10.15
11.32
12.04
12.25
10.81
Interest Cover
1.22
1.20
1.23
1.22
1.26
1.25
1.29
1.28
1.26
1.26

Annual Reports:

FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015
FY 2014

News Update:


  • RBI imposes penalty of Rs 49.70 lakh on LIC Housing Finance
    6th Apr 2024, 16:30 PM

    RBI has imposed penalty for non-compliance with Parra 80.1 (part) and 85.6 of the RBI Master Directions

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