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LIC Housing Finance Ltd

Updated on July 10, 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₹28,190 Cr.
Current Price ₹555.65 as on 16 Jul 19
52 Week High / Low Price₹583.8 / ₹387.6
Face Value₹2
Stock P/E11.60
Book Value₹322.19
Dividend Yield1.22 %
ROCE9.60 %
ROE16.74 %
Sales Growth (3yrs)11.76 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has reduced debt.
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 ₹223.6 39.02 ₹375,852.69 Cr. 0.89 ₹2,861.58 Cr. 26.80 24.29 11580.05 9.65
2. Indiabulls Hous. ₹646.35 8.22 ₹33,617.41 Cr. 5.20 ₹1,006.15 Cr. -7.03 5.22 4209.53 11.43
3. LIC Housing Fin. 11.60 ₹28,189.75 Cr. 1.22 ₹693.58 Cr. 16.70 19.74 4655.14 9.60
4. GRUH Finance ₹287.15 52.11 ₹23,305.58 Cr. 0.52 ₹129.65 Cr. 1.21 25.57 557.72 10.77
5. PNB Housing ₹756.5 13.04 ₹14,106.22 Cr. 1.06 ₹371.12 Cr. 46.94 30.39 2135.12 9.48
6. AAVAS Financiers ₹1,513.75 63.04 ₹11,088.98 Cr. 0.00 ₹54.29 Cr. 171.86 38.90 204.22 10.93
7. H U D C O ₹223.6 7.26 ₹8,568.13 Cr. 1.29 ₹236.37 Cr. -26.94 19.47 1474.75 8.06

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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

Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue3,3603,4563,5283,6433,6273,7513,6263,8884,0474,2024,4394,655
Interest2,5022,5632,5972,5702,6982,7802,8232,8493,0253,1383,3303,398
Expenses25216418428329333782222241322247268
Employee Cost %2.03%1.71%1.74%1.56%1.47%1.37%1.42%1.69%1.17%1.37%1.56%1.58%
Financing Profit605729747790636634720816782742862989
Financing Margin %18%21%21%22%18%17%20%21%19%18%19%21%
Other Income20332119218009600
Depreciation222222233333
Profit before tax623761766806655640718814788745860986
Tax %35%35%35%34%27%20%34%27%28%23%31%30%
Net Profit408495499529480514475594568573596694
Gross NPA %0.59%0.57%0.56%0.43%0.00%0.80%0.87%0.78%1.21%1.20%1.26%0.00%
Net NPA %0.28%0.28%0.27%0.14%0.00%0.43%0.49%0.43%0.00%0.81%0.85%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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue1,5882,1692,8833,4674,8576,2037,6479,30110,78212,47414,07215,05117,343
Interest1,1081,4942,0172,3963,0984,5915,9257,1748,3109,30710,23111,12512,891
Expenses1321701641574713863533273776058848761,077
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 Profit3485057029151,2891,2261,3701,8002,0952,5612,9573,0503,375
Financing Margin %22%23%24%26%27%20%18%19%19%21%21%20%19%
Other Income93130312121134161282216
Depreciation4456678891091012
Profit before tax3545327269111,2941,2311,3741,8262,1022,5642,9563,0623,380
Tax %21%27%27%27%25%26%26%28%34%35%35%35%
Net Profit2793875326629749141,0231,3171,3861,6611,9311,9902,431
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:: 16.46%

Compounded Profit Growth

  • 10 Years:: 17.78%
  • 5 Years:: 14.22%
  • 3 Years:: 12.80%
  • TTM:: 17.84%

Return on Equity

  • 10 Years:: 19.12%
  • 5 Years:: 18.35%
  • 3 Years:: 18.31%
  • Last Year:: 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 2018Mar 2019
Share Capital8585859595101101101101101101101101
Equity Capital8585859595101101101101101101101100.93
Reserves1,4591,7472,1493,2934,0745,5816,3807,4327,7179,04510,97612,59016,158
Borrowings16,33320,34425,42234,75845,16356,08768,76482,03696,532110,931126,337145,32826,384
Other Liabilities9101,1831,7302,0993,2084,0005,3186,2118,45310,72613,87414,303157,940
Trade Payables38.5867.7985.6188.4317.5114.6323.1925.627.4641.3958.9761.2979.94
Total Liabilities18,78623,35929,38540,24552,54065,77080,56395,780112,804130,803151,288172,322200,583
Fixed Assets232332343462627680929797136
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
Investments2067751,1291,3891651641851992372775279873,595
Other Assets18,55622,55528,22138,82152,34165,54380,31695,505112,487130,434150,665171,238196,853
Trade receivables000043.7465.0860.6368.2969.6285.39109.42129.960
Cash Equivalents779.02363.9135.29267580.711599.21465.563022.382933.063926.84463.352953.492994.91
Loans n Advances213.78254.37406.84472.28499.25636.175368.516388.027540.338636.0510402.0612322.45193067.46
Total Assets18,78623,35929,38540,24552,54065,77080,56395,780112,804130,803151,288172,322200,583

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.