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 projections indicate a decrease from the prior year, which may make investors hesitant. A revenue decline could harm the company's bottom line, prompting investors to be more careful, as lower earnings often signal potential issues with profitability and future performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 5.642334
debtToEquity 722.142000
earningsGrowth 0.044000
revenueGrowth 0.076000
grossMargins 0.987070
operatingMargins 0.773230
trailingEps 99.990000
forwardEps 63.760000

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.
LICHSGFIN's positive gross and operating margins reflect its ability to generate profits from operations. These margins demonstrate efficient cost control and profitability, indicating strong financial health for the company.
LICHSGFIN's forward EPS falling below its trailing EPS suggests the company is expected to be less profitable this year. This signals a potential decline in earnings, which may raise concerns about LICHSGFIN's financial future.

Price projections:

Price projections for LICHSGFIN
Price projections for LICHSGFIN

Price projections for LICHSGFIN have been gradually reduced, reflecting growing uncertainty about the company's future performance. The downward revisions indicate analysts are lowering their expectations for LICHSGFIN's market trajectory.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


Analysts are favoring LIC Housing Finance Limited with a buy bias, highlighting the stock's potential as a solid investment. This recommendation might drive more investors to consider LIC Housing Finance Limited as a secure and profitable option for their money, contributing to a broader positive sentiment in the market.