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

The projected decline in LICHSGFIN's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 0.000000
forwardPE 5.642334
debtToEquity 722.142000
earningsGrowth 0.044000
revenueGrowth 0.076000
grossMargins 0.987070
operatingMargins 0.773230
trailingEps 99.990000
forwardEps 63.760000

LIC Housing Finance Limited's elevated debt-to-equity ratio highlights its heavy reliance on debt. This high leverage increases the company's exposure to financial risk, making it more vulnerable to market fluctuations and economic downturns.
Positive gross and operating margins for LICHSGFIN highlight the company's profitability. These metrics reflect LICHSGFIN's efficiency in controlling costs while generating strong revenue from its core operations, signaling robust financial health.
With forward EPS less than trailing EPS, LICHSGFIN 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

LICHSGFIN's price projections have been steadily revised down, pointing to declining confidence in the company's outlook. This suggests that analysts are becoming more conservative in their expectations for LICHSGFIN's future performance.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


LICHSGFIN has received a favorable buy bias from analysts recently, positioning it as a solid investment opportunity. This sentiment may attract more investors, who view LICHSGFIN as a stable option to park their money and potentially benefit from the company's continued growth and profitability.