Nifty
Sensex
:
:
18114.90
60821.62
-63.20 (-0.35%)
-101.88 (-0.17%)

Finance - Housing

Rating :
44/99

BSE: 500253 | NSE: LICHSGFIN

408.50
22-Oct-2021
  • Open
  • High
  • Low
  • Previous Close
  •  416.00
  •  419.70
  •  403.60
  •  440.00
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  15675738
  •  64210.21
  •  542.45
  •  280.85

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 22,464.57
  • 14.91
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 228,877.18
  • 2.08%
  • 0.96

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 45.24%
  • 1.00%
  • 11.10%
  • FII
  • DII
  • Others
  • 24.07%
  • 14.47%
  • 4.12%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 12.41
  • 7.16
  • 4.55

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 12.06
  • 6.49
  • 1.86

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.58
  • 7.14
  • 4.04

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.31
  • 11.20
  • 8.48

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.07
  • 1.79
  • 1.24

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.06
  • 11.21
  • 11.19

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 21
Sep 20
Var%
Jun 21
Jun 20
Var%
Mar 21
Mar 20
Var%
Dec 20
Dec 19
Var%
Net Sales
4,717.65
4,977.34
-5.22%
4,864.57
5,011.50
-2.93%
4,981.84
4,935.20
0.95%
4,911.03
5,005.26
-1.88%
Expenses
892.27
263.85
238.17%
1,111.31
187.26
493.46%
1,212.76
291.77
315.66%
348.37
527.81
-34.00%
EBITDA
3,825.38
4,713.49
-18.84%
3,753.26
4,824.24
-22.20%
3,769.08
4,643.43
-18.83%
4,562.66
4,477.45
1.90%
EBIDTM
81.09%
94.70%
77.16%
96.26%
75.66%
94.09%
92.91%
89.45%
Other Income
5.28
10.30
-48.74%
2.65
-25.49
-
-1.93
-31.66
-
15.62
0.76
1,955.26%
Interest
3,505.15
3,699.86
-5.26%
3,549.14
3,763.91
-5.71%
3,392.20
3,763.73
-9.87%
3,594.41
3,713.81
-3.22%
Depreciation
13.58
13.13
3.43%
13.00
13.07
-0.54%
12.48
15.11
-17.41%
13.79
13.04
5.75%
PBT
311.93
1,010.80
-69.14%
193.77
1,021.77
-81.04%
362.47
832.93
-56.48%
970.08
751.36
29.11%
Tax
62.07
221.13
-71.93%
42.70
197.69
-78.40%
-22.46
408.62
-
248.97
149.11
66.97%
PAT
249.86
789.67
-68.36%
151.07
824.08
-81.67%
384.93
424.31
-9.28%
721.11
602.25
19.74%
PATM
5.30%
15.87%
3.11%
16.44%
7.73%
8.60%
14.68%
12.03%
EPS
4.56
15.72
-70.99%
3.00
16.31
-81.61%
7.62
8.41
-9.39%
14.25
11.93
19.45%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Net Sales
19,475.09
19,881.70
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
Net Sales Growth
-2.28%
0.73%
13.46%
16.94%
5.70%
12.81%
16.03%
15.96%
20.45%
24.71%
 
Cost Of Goods Sold
1.11
1.03
4.69
4.18
7.18
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
19,473.98
19,880.67
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
GP Margin
99.99%
99.99%
99.98%
99.98%
99.95%
100%
100%
100%
100%
100%
100%
Total Expenditure
3,564.71
2,017.55
1,626.36
1,103.75
940.45
1,024.53
718.10
501.55
420.22
470.60
450.11
Power & Fuel Cost
-
5.09
5.70
5.69
5.59
5.77
5.35
5.31
4.78
4.37
3.59
% Of Sales
-
0.03%
0.03%
0.03%
0.04%
0.04%
0.04%
0.05%
0.05%
0.06%
0.06%
Employee Cost
-
323.78
327.62
274.58
245.10
266.23
164.50
139.09
112.69
98.16
81.33
% Of Sales
-
1.63%
1.66%
1.58%
1.65%
1.89%
1.32%
1.29%
1.22%
1.28%
1.32%
Manufacturing Exp.
-
130.52
78.32
66.05
106.92
244.17
219.36
169.75
168.73
179.53
138.34
% Of Sales
-
0.66%
0.40%
0.38%
0.72%
1.74%
1.76%
1.58%
1.82%
2.33%
2.24%
General & Admin Exp.
-
117.34
100.74
104.25
76.84
142.05
125.95
120.34
108.05
77.25
64.64
% Of Sales
-
0.59%
0.51%
0.60%
0.52%
1.01%
1.01%
1.12%
1.17%
1.00%
1.05%
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.
-
1,444.88
1,114.99
654.69
504.41
372.07
208.28
72.38
30.75
115.67
0.00
% Of Sales
-
7.27%
5.65%
3.76%
3.39%
2.64%
1.67%
0.67%
0.33%
1.50%
2.69%
EBITDA
15,910.38
17,864.15
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
EBITDA Margin
81.70%
89.85%
91.76%
93.65%
93.68%
92.72%
94.24%
95.33%
95.47%
93.89%
92.71%
Other Income
21.62
3.83
4.97
3.08
1.59
166.76
135.17
189.44
164.44
123.31
111.58
Interest
14,040.90
14,450.38
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
Depreciation
52.85
52.46
51.12
11.92
10.21
9.70
10.01
9.65
7.80
7.71
7.59
PBT
1,838.25
3,365.14
3,282.17
3,391.75
2,781.98
2,973.18
2,575.06
2,119.31
1,833.86
1,418.04
1,235.13
Tax
331.28
624.01
878.52
957.38
773.82
1,031.35
907.44
721.79
512.44
364.04
318.80
Tax Rate
18.02%
18.54%
26.77%
28.23%
27.82%
34.69%
35.24%
34.06%
27.94%
25.67%
25.81%
PAT
1,506.97
2,740.72
2,403.25
2,433.95
2,007.94
1,941.81
1,667.32
1,397.22
1,321.08
1,053.33
916.50
PAT before Minority Interest
1,506.56
2,741.13
2,403.65
2,434.37
2,008.16
1,941.82
1,667.61
1,397.52
1,321.41
1,054.00
916.33
Minority Interest
-0.41
-0.41
-0.40
-0.42
-0.22
-0.01
-0.29
-0.30
-0.33
-0.67
0.17
PAT Margin
7.74%
13.79%
12.18%
13.99%
13.50%
13.80%
13.37%
13.00%
14.25%
13.68%
14.85%
PAT Growth
-42.92%
14.04%
-1.26%
21.22%
3.41%
16.46%
19.33%
5.76%
25.42%
14.93%
 
EPS
27.39
49.82
43.69
44.25
36.50
35.30
30.31
25.40
24.02
19.15
16.66

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Shareholder's Funds
20,601.43
18,264.86
16,330.82
14,311.19
11,155.85
9,214.57
7,880.06
7,585.88
6,533.37
5,710.21
Share Capital
100.99
100.99
100.99
100.99
101.00
101.00
101.00
101.00
101.00
101.00
Total Reserves
20,500.44
18,163.87
16,229.83
14,210.20
11,054.85
9,113.58
7,779.06
7,484.88
6,432.37
5,609.21
Non-Current Liabilities
161,995.70
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
Secured Loans
159,038.37
151,962.84
145,065.47
129,388.05
98,200.63
85,924.55
76,655.85
64,170.02
52,725.35
42,914.54
Unsecured Loans
3,257.20
2,995.71
2,000.00
2,500.00
5,538.26
4,733.59
3,862.70
3,542.31
3,542.58
3,196.75
Long Term Provisions
147.51
148.62
118.54
122.32
997.76
806.70
696.99
706.31
687.72
623.15
Current Liabilities
52,203.04
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
Trade Payables
85.97
30.63
74.90
52.63
51.44
36.94
26.68
26.92
23.55
15.01
Other Current Liabilities
6,607.31
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
Short Term Borrowings
45,502.00
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
Short Term Provisions
7.76
0.00
0.00
0.00
145.24
462.48
375.17
370.64
304.18
287.05
Total Liabilities
234,802.88
216,393.45
200,145.71
170,778.54
150,997.04
130,587.19
112,630.25
95,605.36
80,398.29
65,623.66
Net Block
281.87
294.43
168.08
129.46
102.37
102.40
90.17
86.36
73.20
73.60
Gross Block
413.56
364.30
189.26
138.76
180.91
179.79
162.72
146.50
126.98
120.27
Accumulated Depreciation
131.69
69.87
21.18
9.30
78.54
77.39
72.55
60.14
53.79
46.67
Non Current Assets
231,018.73
210,588.75
194,710.06
167,541.87
136,326.00
118,159.66
102,265.03
86,319.80
73,675.49
58,341.58
Capital Work in Progress
6.34
2.92
2.19
2.74
5.06
0.25
0.25
0.25
0.25
0.68
Non Current Investment
2,445.17
1,889.27
1,323.19
994.49
519.19
263.67
228.59
192.16
180.36
171.72
Long Term Loans & Adv.
127.05
453.97
244.93
272.59
213.58
136.08
121.15
146.25
172.03
164.04
Other Non Current Assets
115.27
33.32
25.70
13.44
71.59
5.33
0.30
12.83
1.55
0.01
Current Assets
3,784.15
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
Current Investments
2,198.73
3,595.45
2,294.15
1,013.74
18.20
16.71
12.84
1.92
14.62
0.03
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.12
Sundry Debtors
7.70
21.80
11.99
13.50
112.19
87.66
72.51
71.81
64.16
73.92
Cash & Bank
1,384.96
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
Other Current Assets
192.76
126.51
68.40
56.34
10,018.09
8,336.03
7,286.95
6,137.58
5,120.25
5,561.49
Short Term Loans & Adv.
12.79
24.02
7.98
10.08
9,137.89
7,538.97
6,570.39
5,480.55
4,575.05
5,159.52
Net Current Assets
-48,418.89
-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
Total Assets
234,802.88
216,393.45
200,145.71
170,778.54
150,997.02
130,587.18
112,630.25
95,605.35
80,398.28
65,623.67

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Cash From Operating Activity
-11,323.58
-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
PBT
3,365.13
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
Adjustment
986.03
-347.34
-173.97
1,053.78
1,333.22
972.35
421.50
558.51
562.69
156.31
Changes in Working Capital
891.39
-6,311.26
2,118.85
-264.83
1,956.84
991.90
742.70
136.01
590.56
-660.79
Cash after chg. in Working capital
5,242.55
-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
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-632.79
-1,016.47
-1,065.91
-955.69
-1,026.53
-736.96
-586.22
-526.33
-388.03
-365.85
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
-15,933.34
-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
Cash From Investing Activity
858.23
-1,851.41
-1,642.33
1,367.96
-277.67
-57.58
-57.69
-1.52
-26.81
-21.35
Net Fixed Assets
-51.44
-164.00
-50.41
66.97
-5.41
-16.97
-16.10
-19.42
-7.10
-35.34
Net Investments
860.76
-1,901.31
-1,622.89
-1,445.18
-250.15
-39.70
-37.83
-14.68
-20.61
0.88
Others
48.91
213.90
30.97
2,746.17
-22.11
-0.91
-3.76
32.58
0.90
13.11
Cash from Financing Activity
10,427.93
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
Net Cash Inflow / Outflow
-37.42
-1,433.55
887.49
465.28
521.24
1,000.52
-171.42
1,523.84
-138.16
-100.42
Opening Cash & Equivalents
1,369.30
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
Closing Cash & Equivalent
1,331.87
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Book Value (Rs.)
408.23
361.93
323.61
283.59
221.05
182.59
156.14
150.31
129.46
113.15
ROA
1.22%
1.15%
1.31%
1.25%
1.38%
1.37%
1.34%
1.50%
1.44%
1.55%
ROE
14.11%
13.90%
15.89%
15.77%
19.07%
19.51%
18.07%
18.72%
17.22%
18.51%
ROCE
8.14%
9.11%
9.40%
9.37%
10.25%
10.58%
10.75%
10.92%
10.71%
10.48%
Fixed Asset Turnover
51.12
71.31
106.06
93.06
78.03
72.84
69.54
67.80
62.26
60.24
Receivable days
0.27
0.31
0.27
1.54
2.59
2.34
2.45
2.68
3.27
3.51
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.01
Payable days
41.43
41.13
64.08
50.59
30.64
29.05
30.18
31.30
24.26
25.68
Cash Conversion Cycle
-41.15
-40.81
-63.81
-49.05
-28.05
-26.71
-27.73
-28.62
-20.98
-22.16
Total Debt/Equity
10.09
10.47
10.45
10.15
11.32
12.04
12.25
10.81
10.53
9.82
Interest Cover
1.23
1.22
1.26
1.25
1.29
1.28
1.26
1.26
1.24
1.27

News Update:


  • LIC Housing Finance reports 68% fall in Q2 consolidated net profit
    22nd Oct 2021, 11:52 AM

    Total consolidated income of the company decreased by 5.31% at Rs 4722.93 crore for Q2FY22

    Read More
  • LIC Housing Finance - Quarterly Results
    21st Oct 2021, 19:16 PM

    Read More
  • LIC Housing Finance hikes lowest home loan offer for up to Rs 2 crore
    23rd Sep 2021, 14:55 PM

    The new offer is available for all borrowers with a CIBIL score of 700 and above

    Read More
  • LIC Housing Finance inks strategic partnership with India Post Payments Bank
    7th Sep 2021, 12:57 PM

    IPPB will make LICHFL’s home loan products accessible to its customer’s pan-India

    Read More
  • LIC Housing Finance’s parent organization picks up nearly 4% stake in Bank of India
    4th Sep 2021, 10:38 AM

    LIC's stake in Bank of India has now increased to 7.05 per cent, equivalent to 28,92,87,324 shares

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  • LIC Housing Finance’s parent organization launches special campaign to revive lapsed policies
    24th Aug 2021, 11:30 AM

    The campaign has been launched from August 23, 2021 to October 22, 2021

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  • LIC Housing Finance reports 82% fall in Q1 consolidated net profit
    29th Jul 2021, 15:48 PM

    Total income of the company decreased by 1.39% at Rs 4867.22 crore for Q1FY22

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  • LIC Housing Finance approaches SAT to settle issue on preference shares with stock exchanges
    20th Jul 2021, 13:19 PM

    The company has been asked to explain how it arrived at the decision to fix the issue price for the preference shares

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