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

Investors are expected to be cautious with LICHSGFIN, as its revenues are projected to fall compared to last year. A decline in revenue often results in a negative impact on profitability, prompting concerns about the company's financial stability and making investors more conservative in their approach.

Financial Ratios:

currentRatio 26.733000
forwardPE 4.922466
debtToEquity 679.251000
earningsGrowth 0.016000
revenueGrowth 0.018000
grossMargins 0.978170
operatingMargins 0.844090
trailingEps 100.380000
forwardEps 102.885420

LIC Housing Finance Limited's current ratio being 26.733 suggests the company will have no issues paying off its short-term debt. With sufficient cash reserves and current assets, LIC Housing Finance Limited can easily cover its immediate liabilities, reflecting solid financial health.
LIC Housing Finance Limited's high debt-to-equity ratio signals that the company is heavily leveraged. This suggests LIC Housing Finance Limited may be relying more on debt than equity to finance its operations, which could expose the company to greater financial risk in challenging economic conditions.
With positive gross and operating margins, LICHSGFIN demonstrates its profitability and efficiency. These metrics show that the company is managing costs well while generating strong revenue, highlighting robust financial health.
LIC Housing Finance Limited's forward EPS surpassing its trailing EPS signals that the company is anticipated to be more profitable this year than last. This growth expectation highlights LIC Housing Finance Limited's potential for increased earnings and a stronger financial performance in the upcoming year.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

LICHSGFIN's price projections have been revised downward gradually, indicating that analysts are tempering their expectations. This downward shift suggests a more cautious outlook on the company's growth prospects.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


Analysts' buy bias for LICHSGFIN signals that the stock is considered a favorable investment. This outlook might prompt investors to allocate funds to LICHSGFIN, seeing it as a solid and profitable choice to park their money and potentially benefit from the company's long-term growth.