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

Investors may be wary of LICHSGFIN as its revenues are expected to fall below the prior year's levels. A revenue decrease often leads to concerns about profitability, as it is likely to affect the company's bottom line, prompting investors to take a more cautious approach.

Financial Ratios:

currentRatio 27.056000
forwardPE 4.848915
debtToEquity 642.522000
earningsGrowth 0.086000
revenueGrowth 0.044000
grossMargins 0.985020
operatingMargins 0.814810
trailingEps 101.900000
forwardEps 112.220990

LICHSGFIN's current ratio, being 27.056, demonstrates that the company has the liquidity necessary to service its short-term debt. With strong cash reserves and current assets, LICHSGFIN is well-equipped to meet its immediate financial obligations without any difficulties.
LICHSGFIN's high debt-to-equity ratio suggests a heavily leveraged capital structure. The company relies on debt to fund operations, which could heighten financial risks, particularly if economic conditions deteriorate or profitability declines.
LICHSGFIN's positive gross and operating margins indicate strong financial performance. These margins show that the company is profitable and efficient in its operations, with effective cost control contributing to its overall financial success.
LIC Housing Finance Limited's forward EPS surpassing its trailing EPS signals that the company is anticipated to be more profitable this year than last. This growth expectation highlights LIC Housing Finance Limited's potential for increased earnings and a stronger financial performance in the upcoming year.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

The price of LICHSGFIN has remained consistently close to the lower limit of projections. This ongoing pattern raises concerns about the stock's performance and may reflect market hesitance regarding the company's growth prospects.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


LIC Housing Finance Limited has garnered a buy bias from analysts recently, suggesting the stock is a good investment opportunity. This may lead to increased investor interest, as LIC Housing Finance Limited is seen as a reliable place to park money for those looking to benefit from potential market gains and company growth.