LIC Housing Finance Limited
LIC Housing Finance Limited operates in Housing Finance Company, part of the Financial Services sector. It booked ₹7,194 cr of revenue in its latest quarter (Q2 FY27) and kept 20.9% of sales as profit. It is the 2nd largest of 9 Housing Finance Company companies we track, by market value.
| Segment | FY25 | FY26 | Share |
|---|---|---|---|
| Loans | 28,056 | 28,772 | 100% → 100% |
| Other Segments | — | 141 | 0% |
| Total | 28,056 | 28,912 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 66% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 44
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
Whether sales and profit have grown, and how steadily
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.
What if I invest in LICHSGFIN?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹7,194 cr |
| Other Income | ₹21 L |
| Total Income | ₹7,194 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹156 cr |
| Finance Costs | ₹5,023 cr |
| Depreciation & Amortisation | ₹29 cr |
| Other Expenses | ₹116 cr |
| Total Expenses | ₹5,275 cr |
| Profit before Tax | ₹1,919 cr |
| Tax Expense | ₹413 cr |
| Share of JV / Associates | ₹80 L |
| Net Profit | ₹1,507 cr |
| Net margin on total income | 20.9% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 7,212 cr | 7,083 cr | 7,194 cr |
| Total income | 7,212 cr | 7,086 cr | 7,194 cr |
| Expenses | 5,281 cr | 5,187 cr | 5,275 cr |
| Profit before tax | 1,931 cr | 1,899 cr | 1,919 cr |
| Tax | 441 cr | 402 cr | 413 cr |
| Net profit (owners' share) | 1,493 cr | 1,499 cr | 1,506 cr |
| Net margin (owners' share, on revenue) | 20.7% | 21.2% | 20.9% |
| EPS (₹) | 27.13 | 27.25 | 27.39 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| Bajaj Housing Finance Limited | ₹78 | ₹65,124 cr | 21.5 | 12.6% | 23.3% | — |
| LIC Housing Finance Limitedthis company | ₹505 | ₹27,792 cr | 4.6 | 13.7% | 20.9% | — |
| PNB Housing Finance Limited | ₹1,063 | ₹27,723 cr | 11.2 | 12.2% | 25.4% | — |
| Aadhar Housing Finance Limited | ₹421 | ₹18,423 cr | 16.3 | 15.0% | 28.4% | — |
| Sammaan Capital Limited | ₹120 | ₹13,758 cr | 14.1 | 5.1% | 14.7% | — |
| Home First Finance Company India Limited | ₹1,064 | ₹11,122 cr | 16.3 | 14.6% | 30.0% | — |
| Aptus Value Housing Finance India Limited | ₹202 | ₹10,101 cr | 9.7 | 20.6% | 43.5% | — |
| Can Fin Homes Limited | ₹736 | ₹9,806 cr | 8.9 | 17.1% | 24.3% | — |
| Aavas Financiers Limited | ₹1,122 | ₹8,876 cr | 15.6 | 15.1% | 26.1% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹10 / share | 21 Aug 2026 |
| Dividend | ₹10 / share | 22 Aug 2025 |
| Dividend | ₹9 / share | 23 Aug 2024 |
| Dividend | ₹8.5 / share | 18 Aug 2023 |
| Dividend | ₹8.5 / share | 19 Sep 2022 |
| Dividend | ₹8.5 / share | 16 Sep 2021 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.