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LIC Housing Finance Ltd

Updated on October 13, 2019

Stock/Share Code - LICHSGFIN

LIC Housing Finance is engaged in the business of providing finance for purchase, construction, repairs, renovation of house/buildings.(Source : 201903 Annual Report Page No: 151)

Below is the details of LICHSGFIN LIC Housing Finance Ltd

Market Cap₹21,468 Cr.
Current Price ₹385 as on 18 Oct 19
52 Week High / Low Price₹587 / ₹387.6
Face Value₹2
Stock P/E8.68
Book Value₹322.19
Dividend Yield1.79 %
ROCE9.10 %
ROE15.94 %
Sales Growth (3yrs)11.65 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Company has low interest coverage ratio.

LIC Housing Finance Ltd Price Chart

LIC Housing Finance Ltd Price Chart

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 ₹194.9 23.03 ₹373,852.91 Cr. 0.97 ₹3,094.38 Cr. 5.17 17.65 23124.73 11.14
2. LIC Housing Fin. 8.68 ₹21,467.81 Cr. 1.79 ₹610.68 Cr. 7.53 18.43 4807.20 9.10
3. LIC Housing Fin. 10.66 ₹21,467.81 Cr. 1.79 ₹608.97 Cr. 7.34 18.35 4815.57 9.62
4. Indiabulls Hous. ₹231.2 5.07 ₹19,469.59 Cr. 8.78 ₹801.53 Cr. -24.01 -4.56 3884.99 12.38
5. GRUH Finance ₹317.7 42.31 ₹18,945.1 Cr. 0.77 ₹115.64 Cr. 0.46 18.19 532.96 11.30
6. AAVAS Financiers ₹1,675.85 66.21 ₹11,653.73 Cr. 0.00 ₹45.36 Cr. 50.80 34.27 197.52 10.87
7. PNB Housing ₹479.8 8.92 ₹10,833.17 Cr. 1.39 ₹368.25 Cr. 56.67 42.44 2301.57 9.66
8. H U D C O ₹194.9 6.17 ₹7,276.91 Cr. 22.70 ₹335.62 Cr. 0.68 12.42 1806.49 8.43

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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

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
Revenue3,4563,5283,6433,6273,7513,6263,8884,0594,2024,4394,6584,807
Interest2,5632,5972,5702,6982,7802,8232,8493,0253,1383,3303,3983,603
Expenses16418428329333782222243322247270354
Employee Cost %1.71%1.74%1.56%1.47%1.37%1.42%1.69%1.17%1.37%1.56%1.58%1.27%
Financing Profit729747790636634720816791742862989851
Financing Margin %21%21%22%18%17%20%21%19%18%19%21%18%
Other Income3321192180006000
Depreciation2222223333310
Profit before tax761766806655640718814788745860986841
Tax %35%35%34%27%20%34%27%28%23%31%30%27%
Net Profit495499529480514475594568573596694611
EPS in Rs9.809.8910.499.5010.189.4111.7811.2511.3611.8213.7412.10
Gross NPA %0.57%0.56%0.43%0.72%0.80%0.87%0.78%1.21%1.20%1.26%1.53%0.00%
Net NPA %0.28%0.27%0.14%0.38%0.43%0.49%0.43%0.00%0.81%0.85%1.07%0.00%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue2,1692,8833,4674,8576,2037,6479,30110,78212,47414,07214,84117,36218,106
Interest1,4942,0172,3963,0984,5915,9257,1748,3109,30710,23111,14412,89213,469
Expenses1701641574713863533273776058849211,0791,192
Manufacturing Cost %0.14%0.12%0.13%0.09%0.08%0.12%0.12%0.11%0.11%0.1%0.42%0.28%%
Employee Cost %1.6%1.55%1.4%1.4%1.17%1.18%1.12%1.2%1.21%1.75%1.5%1.43%%
Other Cost %6.1%4.01%2.99%8.2%4.97%3.32%2.28%2.19%3.54%4.43%4.29%4.51%%
Financing Profit5057029151,2891,2261,3701,8002,0952,5612,9572,7753,3913,445
Financing Margin %23%24%26%27%20%18%19%19%21%21%19%20%19%
Other Income313031212113416128007
Depreciation45667889109101219
Profit before tax5327269111,2941,2311,3741,8262,1022,5642,9562,7663,3803,432
Tax %27%27%27%25%26%26%28%34%35%35%28%28%
Net Profit3875326629749141,0231,3171,3861,6611,9312,0022,4312,474
EPS in Rs8.7712.0713.4319.9517.5219.6225.3226.4631.7938.2439.6648.1449.02
Dividend Payout %22%21%22%17%20%19%17%18%17%16%17%16%

Compounded Sales Growth

  • 10 Years:: 19.67%
  • 5 Years:: 13.30%
  • 3 Years:: 11.65%
  • TTM:: 18.15%

Compounded Profit Growth

  • 10 Years:: 16.42%
  • 5 Years:: 13.04%
  • 3 Years:: 13.54%
  • TTM:: 14.99%

Return on Equity

  • 10 Years:: 18.15%
  • 5 Years:: 17.37%
  • 3 Years:: 16.74%
  • Last Year:: 15.94%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital85859595101101101101101101101101
Equity Capital85859595101101101101101101100.99100.99
Reserves1,7472,1493,2934,0745,5816,3807,4327,7179,04510,97614,14016,158
Borrowings20,34425,42234,75845,16356,08768,76482,03696,532110,931126,337150,914176,338
Other Liabilities1,1831,7302,0993,2084,0005,3186,2118,45310,72613,8747,4479,516
Trade Payables67.7985.6188.4317.5114.6323.1925.627.4641.3958.9761.2979.94
Total Liabilities23,35929,38540,24552,54065,77080,56395,780112,804130,803151,288172,603202,113
Fixed Assets2332343462627680929797136
Gross Block46.4159.6366.3372.81108.16115.25134.67150.77167.74173.15106.18156.58
Accumulated Depreciation23.4227.332.8238.9645.9252.8859.0771.1275.7276.629.0620.73
CWIP722000000000
Investments7751,1291,3891651641851992372775271,9723,595
Other Assets22,55528,22138,82152,34165,54380,31695,505112,487130,434150,665170,533198,382
Trade receivables00043.7465.0860.6368.2969.6285.39109.4200
Cash Equivalents363.9135.29267580.711599.21465.563022.382933.063926.84463.352096.442994.91
Loans n Advances254.37406.84472.28499.25636.175368.516388.027540.338636.0510402.062203.042319.57
Other Assets etc21936.4227679.2838081.3851217.796324373421.586026.47101943.85117786.06135689.88166233.91193067.46
Total Assets23,35929,38540,24552,54065,77080,56395,780112,804130,803151,288172,603202,113

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-3,877-4,909-9,502-10,454-11,608-12,586-11,503-14,354-13,036-14,279-19,005-21,529
Profit from operations501.76669.47853.421386.571393.71944.332390.622528.343538.34285.04-303.9-918.16
Working Capital Changes-4235.04-5282.97-10080.231560.2-652.76611.92141.81746.7999.561860.37-262.812144.57
Taxes paid-143.53-295.66-275.28-13400.37-12349.04-15141.76-14034.99-17628.97-17573.76-20424.39-18437.8-22755.11
Cash from Investing Activity-521-298-222103-35-27-21-51-61-2831,380-1,656
Fixed Assets Purchased-10.25-9.61-7.7-18.12-35.9-7.79-7.49-18.3-22.1-13.94-10.58-50.5
Fixed Assets Sold0.030.040.040.040.030.060.050.040.070.060.020.14
Investments purchased-12331.39-17219.69-47409.43-70.83-4.25-20.98-15.28-47.65-44.83-291.61-473.79-1638.53
Investments sold11819.9816931.7547194.84185.923.950.270.217.784.1214.661857.7118.23
Cash from Financing Activity3,9824,9789,85610,23811,54212,46613,04814,23114,09815,07318,08524,078
Proceeds from Shares00008100000000
Proceeds from Borrowings4436.445077.239336.510404.6811850.920014496.290000
Repayment of Borrowings-424.61000-926.490000000
Dividends Paid-24.95-84.42-109.74-141.72-165.36-180.71-190.71-225.9-251.06-276.44-311.61-342.14
Net Cash Flow-416-229132-113-101-1461,525-1741,001511460893

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %23%26%24%26%19%17%19%18%20%19%16%16%

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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.