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 is projected to experience a revenue decline compared to last year, a development that often leads to investor caution. The drop could negatively impact the company's bottom line, as lower revenues typically signal reduced profitability, prompting more conservative investment strategies.

Financial Ratios:

currentRatio 26.733000
forwardPE 5.343968
debtToEquity 679.251000
earningsGrowth 0.016000
revenueGrowth 0.018000
grossMargins 0.978170
operatingMargins 0.844090
trailingEps 100.390000
forwardEps 63.760000

LIC Housing Finance Limited's current ratio of 26.733 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 shows that the company is relying heavily on debt to fund its activities. This high leverage can amplify returns but also heightens financial risks if cash flow becomes constrained.
LICHSGFIN's positive gross and operating margins indicate a profitable and efficient business model. These metrics highlight the company's ability to generate income while controlling operational costs, reflecting strong financial performance.
With forward EPS less than trailing EPS, LIC Housing Finance Limited is expected to see reduced earnings. This suggests the company may face profitability challenges in the current financial year compared to the previous one.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

LIC Housing Finance Limited's price projections have gradually decreased, reflecting a less optimistic view of the company's future performance. Analysts are adjusting their expectations, suggesting potential concerns about LIC Housing Finance Limited's ability to meet previous growth targets.

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.