Provides housing finance to individuals and project developers, with the Loans segment delivering 99.5% of FY26 segment revenue at Rs 28,771.66 crore and Other Segments contributing the remaining 0.5%. The cost of funds is the dominant input — weighted average cost of funds was 7.27% in FY26 against a yield on advances of 9.21%, giving a Net Interest Margin of 2.68% for FY26. Q4 FY26 disbursements totalled Rs 21,019 crore, split between individual home loans of Rs 16,672 crore and non-housing individual loans of Rs 3,348 crore. Asset quality has been improving, with Stage 3 exposure trending lower in recent quarters. Employee costs are 2.5% of revenue and other operating expenses 1.5%. Life Insurance Corporation of India is the promoter, holding 45.24% of the equity. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Loans (100%), Other Segments (1%). Asset-heavy, leveraged housing finance with thin spread economics
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 19,974 | 22,714 | 27,277 | 28,110 | 28,837 |
| EBITDA (ex other income) | 16,963 | 19,750 | 24,518 | 26,501 | 26,986 |
| margin % | 84.9 | 87.0 | 89.9 | 94.3 | 93.6 |
| Owners' profit | 2,286 | 2,891 | 4,759 | 5,442 | 5,604 |
| EPS, as reported (₹) | 43.12 | 52.56 | 86.53 | 98.95 | 101.87 |
| ROE % · ROCE % | 9.2 · — | 10.6 · — | 15.1 · — | 15.0 · — | 13.5 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (16,729) | (19,632) | (7,151) | (16,609) | (8,504) |
| Capex | (35) | (64) | (37) | (73) | (52) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6,938 | 7,070 | 7,306 | 7,250 | 7,179 | 7,209 | 7,212 | 7,083 |
| Profit before tax | 1,664 | 1,798 | 1,781 | 1,704 | 1,703 | 1,762 | 1,931 | 1,899 |
| Net profit | 1,328 | 1,435 | 1,374 | 1,364 | 1,349 | 1,398 | 1,493 | 1,499 |
| EPS (₹) | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 |
| Segment | Revenue, ₹ crore | Share % |
|---|---|---|
| Loans | 7,195 | 24.9 |
| Other Segments | 43 | 0.1 |
| Segment Revenue | 7,187 | 24.8 |
| OTHERS | 64 | 0.2 |
| LOANS | 7,170 | 24.8 |
| OTHER SEGMENTS | 34 | 0.1 |
| SEGMENT REVENUE | 7,233 | 25.0 |
| Total, before eliminations | 28,925 | 100.0 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % |
|---|
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 3 Sept 2026 · LIC HFL 37th AGM: Loan book Rs 3.2L cr, targets double digit growth | investor communications | medium | — | — |
| 31 Aug 2026 · LIC Housing Finance: Joint General Manager I Sreedhar retires | management changes | low | — | — |
| 28 Aug 2026 · LIC Housing Finance appoints Sandeep Kumar as MD and CEO effective Aug 29, 2026 | management changes | high | — | — |
| 28 Aug 2026 · MD and CEO T Adhikari ceases due to superannuation | management changes | critical | — | — |
| 28 Aug 2026 · Sandeep Kumar named new MD and CEO of LIC HFL; T Adhikari retires | management changes | high | — | — |
| 28 Aug 2026 · LIC HFL AGM 2026: All resolutions passed, Rs 10 dividend and Rs 55,000 crore NCD plan approved | board shareholder meetings | medium | — | — |
| 28 Aug 2026 · LIC HFL 37th AGM held; Rs 10 dividend, Rs 55,000cr NCD proposal tabled | board shareholder meetings | medium | — | — |
| 27 Aug 2026 · LICHFL clarifies on NCLT order in Dr. Subhash Chandra insolvency case | regulatory legal | high | — | — |
| 21 Aug 2026 · TDS document submission date revised to August 25, 2026 | corporate actions | low | — | — |
| 6 Aug 2026 · LIC Housing Finance submits machine readable copy of financial results | compliance | minimal | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| ROCE % |
|---|
| Rev CAGR 5y % |
|---|
| EBITDA m. % |
|---|
| BAJAJ HOUSING FINANCE LTD | 70,078 | 34.6 | 3.11 | — | 11.4 | — | — | 92.4 |
| LIC HOUSING FINANCE LTD ◆ | 30,982 | 5.4 | 0.75 | 1.1 | 13.5 | — | 7.7 | 97.1 |
| PNB HOUSING FIN LTD. | 30,721 | 13.3 | 1.60 | 3.5 | 11.9 | — | 2.3 | 91.6 |
| AADHAR HOUSING FINANCE L | 19,978 | 17.4 | 2.65 | 6.9 | 14.5 | — | — | 75.4 |
| SAMMAAN CAPITAL LIMITED | 17,203 | — | 0.91 | — | (37.6) | — | (3.8) | 101.8 |
| HOME FIRST FIN CO IND LTD | 12,386 | 21.2 | 2.84 | — | 12.4 | — | — | 78.3 |
| APTUS VALUE HSG FIN I LTD | 12,360 | 12.5 | 2.44 | 6.3 | 18.6 | — | — | 83.7 |
| CAN FIN HOMES LTD | 10,400 | 9.2 | 1.74 | — | 18.2 | — | — | 91.3 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 5.4 | 13.3 | 4 of 17 | 81% |
| P/B | 0.8 | 1.4 | 5 of 16 | 73% |
| ROE | 13.5 | 11.6 | 6 of 20 | 74% |
| Debt / Equity | 0.0 | 0.0 | 3 of 20 | 0% |
| EBITDA margin | 97.1 | 74.7 | 2 of 19 | 94% |
| Revenue growth | (2.3) | 9.0 | 15 of 19 | 22% |
| Profit growth | 9.9 | 19.3 | 14 of 20 | 32% |
| Market cap | 30982 | 7130 | 2 of 19 | 94% |
| A rating (BUY / ADD / REDUCE / SELL) |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
