LIC Housing Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on May 15, 2025.
LICHSGFIN · price
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On the reaction day the stock moved 1.6 pts less than Nifty Midcap 150 and 0.4 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.
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LIC Housing Finance reported its audited Q4 and FY25 results on May 15, 2025. Standalone total revenue from operations grew modestly to Rs 28,050 crore (FY24: Rs 27,228 crore), a ~3% rise. Profit after tax for FY25 rose to Rs 5,429 crore from Rs 4,765 crore, up ~14% year-on-year. Q4 standalone PAT jumped to Rs 1,368 crore from Rs 1,091 crore in Q4FY24, a strong ~25% YoY growth. The board recommended a higher dividend of Rs 10 per share (500%) versus Rs 9 (450%) last year. Asset quality improved with GNPA falling to 2.47% from 3.31% and NNPA to 1.22% from 1.63%, while debt-equity ratio eased to 7.96 from 8.72. However, net cash used in operating activities widened to Rs 16,689 crore (FY24: Rs 7,061 crore) due to sharply higher net loan disbursements of Rs 22,179 crore. Joint statutory auditors SGCO & Co. LLP and Khandelwal Jain & Co. issued an unmodified audit opinion.
Shareholders benefit from robust ~25% Q4 PAT growth, improved asset quality (lower NPAs), and a higher dividend payout. The negative operating cashflow reflects aggressive loan growth rather than stress, but investors should watch for sustained spread management as borrowing costs also rose ~6%.