LIC Housing Finance Ltd
LIC Housing Finance Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management said on revenue, margins and capex.
Guidance rank: #52 of 59 in Finance
See the sector's top 10 — free with your mobile number.
The short version
LIC Housing Finance acknowledges current growth is below market expectations and aims to improve. The company expects to end the year with at least a 7% increase in profits, targeting around ₹7,200 crores.
From LIC Housing Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- LIC Housing Finance acknowledges current growth is below market expectations and aims to improve.
- The company sees potential growth from self-employed and affordable housing segments, moving beyond their traditional salaried prime borrower base.
- A consultant report (due in 3-4 months) is expected to recommend structural and mindset changes to boost growth.
- They are revamping marketing strategies and onboarding special institutions to better compete and gain market share.
- Rate competition is intense; recent rate cuts to 7.15% aim to regain competitiveness.
- Quarter 4 is expected to be strong in asset quality, margins, business, and loan book growth, with 30-37% of annual business traditionally booked in Q4.
2 more points from LIC Housing Finance Ltd's call on revenue
Create a free account to keep reading this call
Profitability & Margins
See what LIC Housing Finance Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- No capital infusion is currently needed for the next 2 to 3 years as the company's Capital Adequacy Ratio (CAR) stands at 24%, which is considered good enough.
- If capital is required in the future, LIC (the promoter) is flush with funds and can provide further infusion.
- Possibility of capital raise via rights issue or capital infusion from LIC if needed.
- The company is focusing on internal restructuring and growth strategies rather than external capital or strategic investment at this point.
Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what LIC Housing Finance Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
- The company discussed growth in disbursements and loan book:
- The loan book growth is currently around 5%.
- There is an expectation of improved growth in Quarter 4.
- Around 30-37% of annual business typically occurs in Q4.
2 more points from LIC Housing Finance Ltd's call on order book
Create a free account to keep reading this call
Continue your research
What LIC Housing Finance Ltd's management said in earlier quarters
Others in Finance this season
- Capital Trust (Q3 FY26)
Total Income for Q3 FY26: ₹11.3 Crores . Key investor presentation takeaways from Capital Trust Ltd's Q3 FY26 investor presentation — and how it ranks against s
- CSL Finance Ltd (Q3 FY26)
Q3FY26 revenue was ₹64.44 crore, up 20% YoY from ₹53.70 crore in Q3FY25 (Page 8). Key investor presentation takeaways from CSL Finance's Q3 FY26 investor presen
- SRG Housing (Q3 FY26)
130.60 crore (up from Rs. Key investor presentation takeaways from SRG Housing Finance Ltd's Q3 FY26 investor presentation — and how it ranks against sector pee
- Tourism Finance Corporation of India Ltd (Q3 FY26)
58.92 crore, up from Rs. Key investor presentation takeaways from Tourism Finance Corporation of India Ltd's Q3 FY26 investor presentation — and how it ranks ag
Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
- Strong growth1
- Strong growth3
Portfolio builder
Build your portfolio
from the top-ranked stocks
- 1. Pick 3–15 stocks
- 2. Choose large, mid or small cap and your sectors
- 3. Get a portfolio built from the rankings
Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Arthneeti Pro · Annual
LIC Housing Finance Ltd and 15K+ more earnings calls,
for less than your morning chai
a day
Every earnings call, ranking and concall Q&A across all four results seasons.
Secure Razorpay payment · instant access
Frequently Asked Questions
What were LIC Housing Finance Ltd Q3 FY26 results?
LIC Housing Finance acknowledges current growth is below market expectations and aims to improve. The company expects to end the year with at least a 7% increase in profits, targeting around ₹7,200 crores.
What is LIC Housing Finance Ltd share price analysis?
LIC Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 4.9 with a market cap of ₹28,166 Cr. Investors should review the full earnings analysis for detailed insights.
Is LIC Housing Finance Ltd planning capital expenditure?
No capital infusion is currently needed for the next 2 to 3 years as the company's Capital Adequacy Ratio (CAR) stands at 24%, which is considered good enough.
Keep LIC Housing Finance Ltd on your radar — track it to get its next earnings analysis in your feed.
This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.