LIC Housing Finance Ltd
NSE: LICHSGFIN · Housing Finance Company · sector
₹497.40NSE close 2026-10-26
Key numbers
Market cap₹27,377 cr
Price₹497.40
52w high / low₹598 / ₹459
P/E4.8xSector median 12.6x
P/B0.7xSector median 1.2x
Book value₹750.8
Dividend yield2.01%Sector median 1.29%
ROE14.8%Sector median 12.9%
ROA1.76%Sector median 2.52%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y+8.3%Sector median +10.7%
Profit growth 3y+24.6%Sector median +17.7%
PEG0.20x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 19 companies in Housing Finance Company (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No promoter shares are pledged.
- Total income was higher than a year earlier in 2 of the last 4 quarters.
- Dividend paid in 5 of the last 5 financial years.
- Price ₹497.40 on 2026-10-26: -16.9% from the 52-week high, +8.4% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹680.75 · low ₹460.70
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 6,926 | 7,057 | 7,283 | 7,233 | 7,163 | 7,187 | 7,194 | 7,062 |
| Net interest income | 6,926 | 7,057 | 7,283 | 7,233 | 7,163 | 7,187 | 7,194 | 7,062 |
| Other income | 6 | 0 | 0 | 0 | 6 | 0 | 0 | 3 |
| Net profit | 1,329 | 1,432 | 1,368 | 1,360 | 1,354 | 1,384 | 1,497 | 1,488 |
| EPS (₹) | 24.16 | 26.03 | 24.87 | 24.72 | 24.61 | 25.16 | 27.22 | 27.06 |
| Revenue YoY | +3.4% | +1.8% | -1.2% | -2.4% | ||||
| Profit YoY | +1.9% | -3.4% | +9.5% | +9.4% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 199 | 22,657 | 27,228 | 28,050 | 28,765 | 28,607 |
| Net profit | 23 | 2,891 | 4,765 | 5,429 | 5,595 | 5,724 |
| EPS (₹) | 43.14 | 52.56 | 86.63 | 98.70 | 101.72 | 104.05 |
| Revenue growth | +11,274.5% | +20.2% | +3.0% | +2.5% | +0.4% | |
| Profit growth | +12,541.1% | +64.8% | +13.9% | +3.1% | +4.3% | |
| Dividend / share (₹) | 8.50 | 8.50 | 8.50 | 9.00 | 10.00 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +8.3% | +7.7% | +0.4% |
| Net profit | +24.6% | +15.4% | +4.3% |
| EPS | +24.6% | +13.4% | – |
| Share price | – | -9.0% (2y) | -12.2% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | 27,100 | 31,395 | 36,257 | 41,326 |
| Borrowings | – | 94,392 | 96,137 | 98,926 | 1,28,221 |
| Cash & equivalents | – | 742 | 1,573 | 1,405 | 1,278 |
| Total assets | – | 2,78,412 | 2,91,205 | 3,13,927 | 3,25,106 |
| Fixed assets | – | 160 | 172 | 162 | 192 |
| Capital work in progress | – | 1 | 0 | 0 | 0 |
| Inventory | – | 0 | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | -167 | -19,621 | -7,055 | -16,689 | -8,539 |
| Cash from investing | -16 | -821 | 573 | -884 | 1,776 |
| Cash from financing | 178 | 20,239 | 7,300 | 17,413 | 6,210 |
| Capex | 0 | 64 | 37 | 21 | 52 |
| Free cash flow | -168 | -19,685 | -7,092 | -16,709 | -8,591 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | 10.7% | 15.2% | 15.0% | 13.5% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 45.24% |
| FIIs | 18.93% |
| DIIs | 21.64% |
| of which Mutual funds | 18.18% |
| of which Insurance | 3.18% |
| Government | 0.00% |
| Public (non-institutions) | 14.19% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 45.24% | 45.24% | 45.24% | 45.24% | 45.24% | 45.24% | 45.24% | 45.24% |
| Promoter group | % |
|---|---|
| Life Insurance Corporation of India | 45.24% |
| Public holders above 1% | % |
|---|---|
| ICICI Prudential Multi-asset Fund | 5.18% |
| Kotak Equity Savings Fund | 2.60% |
| Bank Muscat India Fund | 2.09% |
| Bandhan Financial Services Fund | 2.02% |
| Government Pension Fund Global | 1.98% |
| Quant Mutual Fund - Quant Arbitrage Fund | 1.86% |
| Nippon Life India Trustee Ltd-a/c Nippon Power & Infra Fund | 1.43% |
| HDFC Mutual Fund - HDFC Nifty500 Multicap 50:25:25 Index Fund | 1.22% |
3,29,720 shareholders. Pledged: 0.00% of promoter shares.
Peers in Housing Finance Company
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹65,449 cr | 23.3x | 2.7x | 12.4% | 1.96% | – | – | – |
| PNBHOUSING | ₹28,300 cr | 12.0x | 1.5x | 13.0% | 2.51% | – | +9.5% | 0.46% |
| LICHSGFIN | ₹27,377 cr | 4.8x | 0.7x | 14.8% | 1.76% | – | +8.3% | 2.01% |
| AADHARHFC | ₹19,295 cr | 16.8x | 2.6x | 16.4% | 4.16% | – | – | – |
| HOMEFIRST | ₹10,578 cr | 18.1x | 2.4x | 16.9% | 3.83% | – | +34.3% | 0.36% |
| APTUS | ₹9,912 cr | 13.6x | 2.3x | 18.1% | 7.65% | – | +16.9% | 2.27% |
| CANFINHOME | ₹9,666 cr | 8.4x | 1.5x | 19.4% | 2.52% | – | +15.4% | 1.79% |
| SAMMAANCAP | ₹9,363 cr | – | 0.5x | -35.9% | -10.78% | – | +0.7% | 0.00% |
| AAVAS | ₹8,929 cr | 13.0x | 1.8x | 14.6% | 3.24% | – | +18.6% | – |
| INDIASHLTR | ₹6,777 cr | 12.8x | 2.1x | 17.9% | 5.50% | – | – | 0.79% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-08-21 | Dividend | Dividend - Rs 10 Per Share |
| 2025-08-22 | Dividend | Dividend - Rs 10 Per Share |
| 2024-08-23 | Dividend | Annual General Meeting/Dividend - Rs 9 Per Share |
| 2023-08-18 | Dividend | Annual General Meeting/Dividend - Rs 8.50 Per Share |
| 2022-09-19 | Dividend | Annual General Meeting/Dividend - Rs 8.50 Per Share |
| 2021-09-16 | Dividend | Annual General Meeting/Dividend - Rs 8.50 Per Share |
| 2020-09-17 | Dividend | Annual General Meeting/Dividend - Rs 8 Per Share |
| 2019-08-16 | Dividend | Annual General Meeting/ Dividend - Rs 7.60 Per Share |
| 2018-08-09 | Dividend | Annual General Meeting / Dividend- Rs 6.80 Per Share |
| 2017-08-08 | Dividend | Annual General Meeting/Dividend - Rs 6.20 Per Share |
| 2016-08-09 | Dividend | Annual General Meeting/ Dividend - Rs 5.50/- Per Share |
| 2015-08-07 | Dividend | Annual General Meeting/ Dividend - Rs 5/- Per Share |
| 2014-08-07 | Dividend | Annual General Meeting / Dividend - Rs 4.50/- Per Share |
| 2013-07-09 | Dividend | Annual General Meeting / Final Dividend Rs.3.80/- Per Equity Share |
| 2012-07-06 | Dividend | Annual General Meeting And Dividend Rs.3.60 Per Share |
| 2011-07-04 | Dividend | Annual General Meeting And Dividend Rs.3.50 Per Share |
| 2010-12-30 | Split | Face Value Split From Rs.10/- To Rs.2/- |
| 2010-06-29 | Dividend | Dividend-Rs.15/- Pr Share |
| 2009-06-29 | Other | Agm/Div-Rs.13/- Per Share |
| 2008-06-13 | Dividend | Agm/Dividend - 100% |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial and Insurance Service (K):
| Sector | Financial Services |
| Industry | Housing Finance Company |
| Sub-industry | Housing Finance Company |
| Symbol | LICHSGFIN |
| BSE code | 500253 |
| ISIN | INE115A01026 |
| Face value | ₹2.0 |
| Incorporated | 1989-06-19 |
| Website | www.lichousing.com |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.