LIC Housing Finance H1 profit rises; cash flow and leverage remain concerns

Related Party TransactionsNegative Operating CashflowResults View source PDF Explain this filing

LICHSGFIN · price

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Price reactionminutes from the announcement price · days from the prior close

-3.7%Reaction day

₹593.90

prior close

₹593.00

announcement price

After-mkt

timing

Nifty Midcap 150market · index membership as recorded later (tracked since Jun 2026)-0.2%-3.5% vs market

Housing Finance Company peers, median of 17sector-0.5%-3.2% vs sector

On the reaction day the stock moved 3.5 pts less than Nifty Midcap 150 and 3.2 pts less than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-1.7

10m

-2.1

15m

-2.2

30m

-2.7

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-3.7-0.2-3.5-0.5-3.2

Next day

-3.6-0.7-3.0-0.3-3.4

-3.0+0.1-3.1-0.7-2.3

-3.4-0.2-3.1-1.4-2.0

-4.4-1.2-3.2-3.1-1.2

-3.7-0.7-3.0-3.1-0.7

-3.7+0.2-3.8-3.7+0.0

15d

-7.9-0.2-7.7-4.8-3.1

-7.4+0.8-8.2-6.1-1.3

-9.8-0.6-9.2-8.1-1.7

-11.3-3.2-8.1-11.1-0.1

UpDownMarket · Nifty Midcap 150Sector · Housing Finance Company peers, median of 17Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

For the half year ended September 30, 2025, standalone operating revenue rose 5.0% to 14,396.45 crore and profit after tax rose 3.5% to 2,715.80 crore. Gross and net bad-loan ratios improved to 2.51% and 1.19%, but operating cash outflow was 4,283.43 crore. Debt to equity eased to 7.59 from 8.38. A final dividend of 10 per share was paid in September.

Likely market impact

Higher profit, better loan quality and the 10 per share dividend help shareholders, but operating cash outflow and high leverage remain concerns.