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LIC Housing Finance Q1 FY27 Share Price & Earnings Call Analysis

₹514.00+0.75% today
Market cap
₹28,273 Cr
P/E
4.93
ROE
14.41%
PEG
0.21
Price to sales
0.99
Debt to equity
6.70
52W high / low
₹593 / ₹461
Sales growth (5Y)
7.72%
EBITDA margin
94.82%
Net profit margin
19.43%
Promoter holding
45.24%
Sales (last year)
₹28,562 Cr

LIC Housing Finance Limited is a housing finance company registered with National Housing Bank (NHB) and is mainly engaged in financing purchase / construction of residential flats / houses to individuals and project finance to developers, Loan against Property (LAP), Lease Rental Discounting (LRD)for commercial properties as well as purchase of commercial shops/showrooms. etc.(Source : 201903 Annual Report Page No: 36 and 50)

Guidance scorecard · Q1 FY27 call

What LIC Housing Finance Ltd's management guided
and where it ranks in Finance

#52of 59 in
Finance
Revenue10–20%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookRising

RevenueQ1 FY27 call

10–20%
  • Q1 FY2027 disbursement growth was 14.5%, close to the 15% target, indicating positive momentum.
  • Management optimistic about continued disbursement growth in Q2, targeting 15% growth.
  • Guidance for full-year book growth remains double-digit, targeting 8-10% AUM growth and 10-12% disbursement growth.
  • Disbursement and book growth expected to accelerate gradually, balancing growth with margin protection.
  • Developer finance disbursements surged 450% YoY in Q1; target set at INR4,000 crores but expecting INR7,000-8,000 crores for the year.
  • Digital investments and new product diversification expected to support sustainable growth.

2 more points from LIC Housing Finance Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what LIC Housing Finance Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Capital expenditures also include building digital capabilities to reduce costs and redeploy manpower productively, not involving retrenchments.
  • Affordable housing finance business is being developed with an external team setup expected this year, subject to board approvals, implying strategic investments in this segment over next 2-3 years.
  • IT spends are planned but have mostly not occurred as of Q1 FY2027; significant spends expected going forward.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what LIC Housing Finance Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising

Ask what LIC Housing Finance Ltd said on the order book →

Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does LIC Housing Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Financials of LIC Housing Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of LIC Housing Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +6,4316,7596,7656,8046,9486,7976,9387,0707,3037,2507,1797,2067,212
Interest4,3784,4934,6004,6464,6494,7494,8794,9504,9515,0464,9944,9424,786
Expenses +582602670686800392372297546475450474463
Financing Profit1,4721,6641,4961,4731,5001,6561,6871,8231,8061,7291,7351,7901,962
Financing Margin %23%25%22%22%22%24%24%26%25%24%24%25%27%
Other Income +0000022100162
Depreciation19191318182224252625323431
Profit before tax1,4531,6451,4831,4541,4821,6351,6651,7981,7801,7051,7031,7621,933
Tax %18%20%20%20%27%20%20%20%23%20%21%21%23%
Net Profit +1,1911,3191,1921,1691,0821,3061,3281,4351,3741,3641,3491,3981,493
EPS in Rs21.6523.9821.6721.2519.6623.7524.1426.0924.9724.8024.5325.4227.13
Gross NPA %
Net NPA %

Financials of LIC Housing Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +10,81212,49114,09214,87617,39819,74019,88619,97822,71727,27728,11128,837
Interest8,3109,30710,23111,14412,89114,78114,45014,15116,13518,38819,52819,771
Expenses +3906118879401,1041,5922,0123,0122,9642,7561,6091,851
Financing Profit2,1122,5732,9742,7923,4043,3673,4232,8153,6186,1336,9747,215
Financing Margin %20%21%21%19%20%17%17%14%16%22%25%25%
Other Income +1712900-33-527114310
Depreciation1010101012515255696998122
Profit before tax2,1192,5752,9732,7823,3923,2823,3652,7873,5616,0686,8797,103
Tax %34%35%35%28%28%27%19%18%19%22%21%21%
Net Profit +1,3961,6681,9422,0082,4342,4042,7412,2862,8914,7635,4435,604
EPS in Rs27.6533.0538.4939.7948.2347.6254.3141.5552.5586.5998.94101.87
Dividend Payout %18%17%16%17%16%17%16%20%16%10%10%0%

Financials of LIC Housing Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital101101101101101101101110110110110110
Reserves7,7799,11411,05514,21016,23018,16420,50024,64127,07531,36736,24241,319
Borrowing96,532110,931126,337150,913170,657191,428207,925223,757244,913252,618270,726277,539
Other Liabilities +8,21810,44113,5046,00413,7197,2277,1956,1796,4617,1986,9636,245
Total Liabilities112,630130,587150,997171,228200,707216,920235,721254,687278,559291,293314,040325,213
Fixed Assets +90102102129168294282315388389377416
CWIP0053236410520
Investments2412805372,0083,6175,4854,6446,2797,0506,3377,2015,132
Other Assets +112,298130,204150,352169,088196,920211,138230,789248,088271,120284,567306,411319,664
Total Assets112,630130,587150,997171,228200,707216,920235,721254,687278,559291,293314,040325,213

Financials of LIC Housing Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-14,345-13,039-14,273-18,977-21,538-14,738-17,140-16,729-19,632-7,151-16,609-8,504
Cash from Investing Activity +-58-58-2781,368-1,642-1,851858-1,629-800587-9391,752
Cash from Financing Activity +14,23214,09815,07218,07424,06815,15616,24517,85020,2497,34617,4136,192
Net Cash Flow-1711,001521465887-1,434-37-508-183781-134-560
Free Cash Flow-14,364-13,062-14,288-19,012-21,588-14,752-17,151-16,765-19,673-7,188-16,682-8,556
CFO/OP-132%-104%-100%-129%-126%-76%-92%-92%-94%-23%-58%-27%

Financials of LIC Housing Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %18%20%19%16%16%14%14%10%11%16%16%14%

Guidance history

How LIC Housing Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →10–20%FlatPlanned—Rising
Q4 FY26 call →10–20%FlatPlanned——
Q3 FY26 call →0–10%Flat——Flat
Q2 FY26 call →0–10%Flat——Flat

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

23out of 100

Momentum score · price trend

23 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−13.4%45%
Last 6 months−7.3%41%
Last 3 months−5.0%54%

The price is 35.5% below its all-time high of ₹796.8 (28 Jun 2024). Stocks more than 20% below their peak have their score halved, so 45 became 23.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For LIC Housing Finance Ltd: 0.4 × 45 + 0.4 × 41 + 0.2 × 54 = 45, halved to 23 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What LIC Housing Finance Ltd's management said in earlier quarters

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