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

LICHSGFIN's projected revenue decline from last year is likely to make investors cautious. Lower revenues often hurt a company's bottom line, leading investors to be concerned about the company's ability to maintain profitability and deliver strong financial results in the future.

Financial Ratios:

currentRatio 35.499000
forwardPE 5.753507
debtToEquity 722.142000
earningsGrowth 0.269000
revenueGrowth 0.185000
grossMargins 0.986630
operatingMargins 0.793010
trailingEps 98.960000
forwardEps 63.760000

LIC Housing Finance Limited's current ratio of 35.499 shows that the company has ample resources to service its short-term debt. This indicates a solid financial position, as LIC Housing Finance Limited can rely on its cash reserves and current assets to cover its immediate liabilities without strain.
LICHSGFIN's elevated debt-to-equity ratio suggests the company is highly leveraged, meaning it has significant debt compared to equity. This can be risky, particularly if LICHSGFIN's cash flow or profits decrease, making it harder to meet debt obligations.
LICHSGFIN's positive earnings and revenue growth point to business expansion on the horizon. The company is positioned for continued success, with increasing profits and revenue growth highlighting a strong path forward for future growth.
LIC Housing Finance Limited's positive gross and operating margins reflect its ability to generate profits from operations. These margins demonstrate efficient cost control and profitability, indicating strong financial health for the company.
With LIC Housing Finance Limited's forward EPS lower than its trailing EPS, the company is expected to experience a drop in profitability. This suggests a potential slowdown in financial performance compared to the previous year.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

LICHSGFIN's price projections have gradually declined, indicating growing uncertainty about the company's ability to meet previous targets. The downward trend reflects a more conservative view of LICHSGFIN's future.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


Analysts have shown a buy bias for LIC Housing Finance Limited, marking it as a favorable investment option. This could inspire investors to see LIC Housing Finance Limited as a strong place to park their money, given the positive outlook and growth potential associated with the stock in recent evaluations.