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LIC Housing Finance Ltd

Updated on May 16, 2019

Stock/Share Code - LICHSGFIN

LIC Housing Finance is one of the largest Housing Finance companies in India, with the key objective of providing longterm finance to individuals for the purchase or construction of a house or a flat for residential purposes. The Company also provides finance on an existing property for business or personal needs, and also gives loans to professionals for buying their office space and equipment. The Company also provides finance to persons engaged in the business of construction and the sale of residential properties.

Below is the details of LICHSGFIN LIC Housing Finance Ltd

Market Cap₹23,996 Cr.
Current Price ₹475.5
52 Week High / Low Price₹583.2 / ₹387.6
Face Value₹2
Stock P/E10.54
Book Value₹301.88
Dividend Yield1.43 %
ROCE9.60 %
ROE16.74 %
Sales Growth (3yrs)11.76 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Company has low interest coverage ratio.

LIC Housing Finance Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. H D F C ₹263.7 32.95 ₹316,742.15 Cr. 1.06 ₹2,113.8 Cr. -60.12 -25.01 10555.55 9.65
2. Indiabulls Hous. ₹784.55 6.81 ₹28,005.61 Cr. 6.24 ₹985.51 Cr. -13.73 23.89 4236.80 11.43
3. LIC Housing Fin. 10.54 ₹23,996.11 Cr. 1.43 ₹596.31 Cr. 25.51 22.42 4438.78 9.60
4. Dewan Hsg. Fin. ₹343.05 2.67 ₹3,998.1 Cr. 4.31 ₹313.6 Cr. -36.70 12.33 3250.94 9.78
5. H U D C O ₹263.7 6.93 ₹8,087.68 Cr. 1.36 ₹328.26 Cr. 26.90 21.88 1310.53 8.06
6. PNB Housing ₹795.2 16.12 ₹15,004.91 Cr. 1.00 ₹266.95 Cr. 16.34 41.20 1999.50 9.48
7. GRUH Finance ₹319.35 40.52 ₹18,153.48 Cr. 0.66 ₹96.95 Cr. 6.73 24.80 540.06 10.77

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LIC Housing Finance Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue3,2463,3603,4563,5283,6433,6273,7513,6263,9014,0474,2024,439
Interest2,3842,5022,5632,5972,5702,6982,7802,8232,8433,0253,1383,330
Expenses19325216418428329333782250241322247
Employee Cost %1.21%2.03%1.71%1.74%1.56%1.47%1.37%1.42%1.62%1.17%1.37%1.56%
Financing Profit669605729747790636634720808782742862
Financing Margin %21%18%21%21%22%18%17%20%21%19%18%19%
Other Income2820332119218033960
Depreciation222222223333
Profit before tax694623761766806655640718839788745860
Tax %35%35%35%35%34%27%20%34%36%28%23%31%
Net Profit448408495499529480514475539568573596
Gross NPA %0.45%0.59%0.57%0.56%0.43%0.00%0.80%0.87%0.78%1.21%1.20%1.26%
Net NPA %0.22%0.28%0.28%0.27%0.14%0.00%0.43%0.49%0.43%0.00%0.81%0.85%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue1,5882,1692,8833,4674,8576,2037,6479,30110,78212,47414,07215,05116,589
Interest1,1081,4942,0172,3963,0984,5915,9257,1748,3109,30710,23111,12512,336
Expenses1321701641574713863533273776058848761,059
Manufacturing Cost %0.88%0.14%0.12%0.13%0.09%0.08%0.12%0.12%0.11%0.11%0.1%0.1%%
Employee Cost %1.68%1.6%1.55%1.4%1.4%1.17%1.18%1.12%1.2%1.21%1.75%1.45%%
Other Cost %5.72%6.1%4.01%2.99%8.2%4.97%3.32%2.28%2.19%3.54%4.43%4.27%%
Financing Profit3485057029151,2891,2261,3701,8002,0952,5612,9573,0503,194
Financing Margin %22%23%24%26%27%20%18%19%19%21%21%20%19%
Other Income93130312121134161282249
Depreciation4456678891091011
Profit before tax3545327269111,2941,2311,3741,8262,1022,5642,9563,0623,232
Tax %21%27%27%27%25%26%26%28%34%35%35%35%
Net Profit2793875326629749141,0231,3171,3861,6611,9311,9902,277
EPS in Rs6.338.7712.0713.4319.9517.5219.6225.3226.4631.7938.2438.15
Dividend Payout %24%22%21%22%17%20%19%17%18%17%16%17%

Compounded Sales Growth

  • 10 Years:: 21.38%
  • 5 Years:: 14.50%
  • 3 Years:: 11.76%
  • TTM:: 13.26%

Compounded Profit Growth

  • 10 Years:: 17.78%
  • 5 Years:: 14.22%
  • 3 Years:: 12.80%
  • TTM:: 13.96%

Return on Equity

  • 10 Years:: 19.12%
  • 5 Years:: 18.35%
  • 3 Years:: 18.31%
  • TTM:: 16.74%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital8585859595101101101101101101101101
Equity Capital8585859595101101101101101101101
Reserves1,4591,7472,1493,2934,0745,5816,3807,4327,7179,04510,97612,59015,133
Borrowings16,33320,34425,42234,75845,16356,08768,76482,03696,532110,931126,337145,32826,493
Other Liabilities9101,1831,7302,0993,2084,0005,3186,2118,45310,72613,87414,303137,759
Trade Payables38.5867.7985.6188.4317.5114.6323.1925.627.4641.3958.9761.2931.02
Total Liabilities18,78623,35929,38540,24552,54065,77080,56395,780112,804130,803151,288172,322179,486
Fixed Assets232332343462627680929797132
Gross Block43.2546.4159.6366.3372.81108.16115.25134.67150.77167.74173.15182.81
Accumulated Depreciation20.1523.4227.332.8238.9645.9252.8859.0771.1275.7276.6285.69
CWIP0722000000000
Investments2067751,1291,389165164185199237277527987993
Other Assets18,55622,55528,22138,82152,34165,54380,31695,505112,487130,434150,665171,238178,361
Trade receivables000043.7465.0860.6368.2969.6285.39109.42129.960
Cash Equivalents779.02363.9135.29267580.711599.21465.563022.382933.063926.84463.352953.491342.48
Loans n Advances213.78254.37406.84472.28499.25636.175368.516388.027540.338636.0510402.0612322.45176472.55
Total Assets18,78623,35929,38540,24552,54065,77080,56395,780112,804130,803151,288172,322179,486

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity-2,273-3,877-4,909-9,502-10,454-11,608-12,586-11,503-14,354-13,036-14,279-19,544
Profit from operations350.89501.76669.47853.421386.571393.71944.332390.622528.343538.34285.043820.02
Working Capital Changes-2564.95-4235.04-5282.97-10080.231560.2-652.76611.92141.81746.7999.561860.37-574.95
Taxes paid-59.36-143.53-295.66-275.28-13400.37-12349.04-15141.76-14034.99-17628.97-17573.76-20424.39-22789
Cash from Investing Activity127-521-298-222103-35-27-21-51-61-283-468
Fixed Assets Purchased-3.19-10.25-9.61-7.7-18.12-35.9-7.79-7.49-18.3-22.1-13.94-10.58
Fixed Assets Sold0.070.030.040.040.040.030.060.050.040.070.060.02
Investments purchased-3954.78-12331.39-17219.69-47409.43-70.83-4.25-20.98-15.28-47.65-44.83-291.61-470.09
Investments sold4083.9811819.9816931.7547194.84185.923.950.270.217.784.1214.665.93
Cash from Financing Activity2,4463,9824,9789,85610,23811,54212,46613,04814,23114,09815,07318,616
Proceeds from Shares00000810000000
Proceeds from Borrowings2552.194436.445077.239336.510404.6811850.920014496.29000
Repayment of Borrowings0-424.61000-926.49000000
Dividends Paid-93.16-24.95-84.42-109.74-141.72-165.36-180.71-190.71-225.9-251.06-276.44-311.61
Net Cash Flow299-416-229132-113-101-1461,525-1741,001511-1,396

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %19%23%26%24%26%19%17%19%18%20%19%17%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.