Investor Presentation for March 2026
LICHSGFIN · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
LIC Housing Finance reported FY26 PAT of Rs. 5,595.15 crore, up 3% YoY, with Q4 PAT at Rs. 1,497.41 crore (up 9%). Total outstanding loan portfolio grew 4% to Rs. 320,707 crore, while total disbursements rose 4% to Rs. 66,544 crore. Net Interest Margins compressed to 2.68% for FY26 from 2.73% in FY25, and further to 2.80% in Q4 (vs 2.85% in Q4 FY25), indicating ongoing margin pressure from falling yields (9.21% vs 9.79%) partially offset by lower cost of funds (7.27% vs 7.73%). Asset quality improved with Stage 3 EAD declining to 2.16% from 2.47%, and ECL provisions reduced to Rs. 4,569 crore from Rs. 4,899 crore. The board proposed a dividend of Rs. 10 per share (500%). Return on Equity declined to 14% from 16%.
The company delivered steady profit growth and improved asset quality, but the declining NIM and ROE suggest compressed profitability going forward. The strong dividend payout signals confidence, but investors should monitor margin trends as competitive pressures and rate environment changes continue to impact earnings.