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 27.056000
forwardPE 4.896201
debtToEquity 642.522000
earningsGrowth 0.086000
revenueGrowth 0.044000
grossMargins 0.985020
operatingMargins 0.814810
trailingEps 101.890000
forwardEps 112.474960

LICHSGFIN's current ratio 27.056, suggesting the company has sufficient liquidity to service its short-term debt. With its cash reserves and current assets in good shape, LICHSGFIN can comfortably meet its immediate liabilities, reflecting a healthy financial standing.
LICHSGFIN's high debt-to-equity ratio points to a heavily leveraged company. With more debt than equity, LICHSGFIN may face increased financial risk, especially if its earnings or cash flow come under pressure.
LICHSGFIN's positive gross and operating margins reflect strong financial performance. These metrics indicate that the company is efficiently managing its operations and generating healthy profits, contributing to a solid financial position.
LIC Housing Finance Limited's forward EPS is higher than its trailing EPS, which signals that the company is expected to achieve greater profitability this financial year. This suggests improved earnings performance, indicating a positive outlook for LIC Housing Finance Limited's financial growth.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

LIC Housing Finance Limited's price has consistently hovered around the lower limit of price projections. This pattern suggests that the stock may be underperforming relative to expectations, which could lead to concerns among investors.

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.