Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Mortgage Finance

LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. It operates through Loans and Other segments. The company offers public and corporate deposits; home loans to residents and non-residents, as well as to pensioners; plot loans, home improvement and construction loans, home extension, and top up loans; refinance; construction finance and term loans for builders and developers; and loans for staff quarters and other lines of credit for corporates. It also provides loans against properties for companies and individuals; loans against securities; loans under rental securitization; and loans to professionals. In addition, the company develops, establishes, and operates assisted living community centers for elderly citizens; manages, advises, and administers private equity funds, including venture capital and alternate investment funds; offers asset management and trusteeship services; and markets housing loan, life and general insurance products, mutual funds, fixed deposits, and credit cards. It serves salaried/self-employed/professionals/SME customers, retired government employees, and retail customers through home loan agents, direct sales agents, and customer relation associates. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

Revenue projections:

Revenue projections for LICHSGFIN
Revenue projections for LICHSGFIN

Revenues for LICHSGFIN are expected to drop compared to the previous year, which could be a cause for concern for investors. A decline in earnings may negatively impact the company's profitability, leading cautious investors to reconsider their positions, as it often signals challenges in overall financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 5.077127
debtToEquity 679.251000
earningsGrowth -0.026000
revenueGrowth -0.020000
grossMargins 0.978060
operatingMargins 0.830980
trailingEps 99.720000
forwardEps 103.316300

LICHSGFIN's elevated debt-to-equity ratio suggests that the company is using significant debt to finance its operations. This level of leverage can amplify financial risk, particularly if profitability decreases or external conditions become unfavorable.
LIC Housing Finance Limited's low earnings and revenue growth point to a potential decline in profits. This signals a downturn in financial performance, suggesting that the company might face challenges in maintaining its current level of profitability.
LICHSGFIN's positive gross and operating margins indicate the company's ability to operate profitably. These margins reflect strong financial management, with efficient cost control contributing to sustained profitability and a solid financial outlook.
With a forward EPS greater than its trailing EPS, LICHSGFIN is expected to see higher profitability this year. The forecasted increase in earnings reflects optimism about the company's financial growth and potential for improved performance over the prior year.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

Price projections for LIC Housing Finance Limited have been revised lower over time, signaling a more cautious outlook from analysts. The gradual downward trend indicates that expectations for the company's growth may be softening.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


Analysts' buy bias for LIC Housing Finance Limited signals that the stock is considered a favorable investment. This outlook might prompt investors to allocate funds to LIC Housing Finance Limited, seeing it as a solid and profitable choice to park their money and potentially benefit from the company's long-term growth.