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 0.000000
forwardPE 5.567405
debtToEquity 722.142000
earningsGrowth 0.044000
revenueGrowth 0.056000
grossMargins 0.987000
operatingMargins 0.847380
trailingEps 99.990000
forwardEps 63.760000

LICHSGFIN's high debt-to-equity ratio points to a heavily leveraged company, with more debt than equity in its capital structure. While this can boost growth, it increases financial vulnerability in times of economic difficulty.
LICHSGFIN'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

Price projections for LIC Housing Finance Limited have been revised downward over time, signaling decreasing optimism about the company's outlook. Analysts appear to be adjusting their expectations as concerns about future performance grow.

Recommendation changes over time:

Recommendations trend for LICHSGFIN
Recommendations trend for LICHSGFIN


Analysts have shown a buy bias for LICHSGFIN, marking it as a favorable investment option. This could inspire investors to see LICHSGFIN as a strong place to park their money, given the positive outlook and growth potential associated with the stock in recent evaluations.