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 0.000000
forwardPE 6.227099
debtToEquity 743.982000
earningsGrowth 0.230000
revenueGrowth 0.256000
grossMargins 0.980440
operatingMargins 0.830940
trailingEps 93.590000
forwardEps 63.760000

LICHSGFIN's elevated debt-to-equity ratio reflects substantial leverage, meaning the company relies heavily on borrowed funds. This could increase financial risk, particularly in times of economic uncertainty or if the company's profitability declines.
LICHSGFIN's positive earnings and revenue growth suggest that the company is expected to expand its business. This reflects a healthy financial outlook, as LICHSGFIN's increasing profits and sales signal further growth in the near future.
LIC Housing Finance Limited's positive gross and operating margins suggest that the company is operating profitably. These strong margins indicate effective cost management and revenue generation, contributing to a solid financial foundation.
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

LIC Housing Finance Limited's price projections have been revised downward gradually, suggesting that expectations for the company's future performance are becoming more conservative. Analysts may be tempering their optimism based on current trends.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


Analysts have shown a buy bias for LICHSGFIN, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to LICHSGFIN, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.