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's revenue is projected to decrease from last year, a development that could lead investors to adopt a more cautious approach. A revenue decline can negatively affect profitability, signaling challenges for the company and making it less attractive for those seeking solid financial performance.

Financial Ratios:

currentRatio 35.499000
forwardPE 5.753507
debtToEquity 722.142000
earningsGrowth 0.269000
revenueGrowth 0.185000
grossMargins 0.986630
operatingMargins 0.793010
trailingEps 98.960000
forwardEps 63.760000

With a current ratio 35.499, LICHSGFIN demonstrates the ability to service its short-term debt without difficulty. The company's strong cash reserves and current assets ensure that it can meet its liabilities, reflecting financial stability and healthy liquidity.
LIC Housing Finance Limited'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.
With positive growth in both earnings and revenue, LIC Housing Finance Limited is expected to grow its business. These indicators highlight a strong financial outlook, with the company on track for continued expansion and increasing profitability.
LICHSGFIN's positive gross and operating margins indicate strong financial performance. These margins show that the company is profitable and efficient in its operations, with effective cost control contributing to its overall financial success.
LICHSGFIN's forward EPS is lower than its trailing EPS, indicating that the company is expected to be less profitable this year. This suggests a potential slowdown in financial performance.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

LICHSGFIN'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 LICHSGFIN's ability to meet previous growth targets.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


A recent buy bias from analysts toward LICHSGFIN indicates strong confidence in the stock's future performance. This could encourage investors to park their money in LICHSGFIN, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.