LIC Housing Finance Limited

BSE

LICHSGFIN

Stock

Yield per half year: +4.56%
Dividend yield: 2.6%
Sector: Financials

Reporting LIC Housing Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹												214.74
Выручка, млрд ₹			124.1	140.07	148.75	173.93	197.36	198.72	199.55	226.39	87.17	87.17	181.84	-15.08
Чистая прибыль, млрд ₹			16.68	19.42	20.08	24.34	24.03	27.41	22.86	28.91	47.59	47.59	30.16	14.64
EV, млрд ₹						1 868.88	1 890.59	2 105.57	2 256.06	2 504.07	2 741.15	2 741.15	2299.49	7.71
Баланс стоимость, млрд ₹			92.15	126.74	143.11	163.31	182.65	206.01	247.51	271.85	314.77	314.77	244.56	11.50
FCF, млрд ₹					-195.21	-215.89	-147.52	-113.34	-167.65	-196.88	-71.88	-71.88	-139.4540	-13.39
Операционный денежный поток, млрд ₹			-130.39	-142.73	-189.77	-215.38	-147.38	-171.4	-167.29	-196.32	-71.51	-71.51	-150.7800	-13.47
Операционная прибыль, млрд ₹		21.03	24.83	131.11	139.24	162.82	181.05	178.35	168.99	196.06		196.06	177.45	3.79
Операционные расходы, млрд ₹	3.52	4.33	5.2	6.75									4.95	17.68
CAPEX, млрд ₹			0.2226	0.1449	0.3494	0.5066	0.1472	0.1083	0.3531	0.641	0.3745	0.3745	0.3248	20.53

	2004Q4	2005Q1	2010Q1	2011Q1	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹															50.89	58.89	63.77	67.33	67.43	21.31	22.13	20.31	20.36	20.96	21.01	-0.33
Чистая прибыль, млрд ₹															3.11	4.62	11.91	13.19	11.92	11.69	10.82	13.06	13.28	14.35	12.64	4.19
EV, млрд ₹									2 105.57		2 150.05		2 256.06		2 375.69		2 519.58		2 564.07		2 741.15		2 853.33		2610.76	3.73
Баланс стоимость, млрд ₹							182.65	198.78	206.01		233.34		247.51		255.22		271.85		292.25		314.77		336.12		294.04	5.66
Операционный денежный поток, млрд ₹					-215.38	-69.46	-147.38	38.14	-113.24		-52.23		-167.29		-107.58		-196.32		19.37						-100.8100	-182.01
Операционная прибыль, млрд ₹										1.95	3.2	9.53	13.21	11.37	5.68	5.7	14.01	16.18	14.61						11.24	20.80
Операционные расходы, млрд ₹	0.0088	0.8388	0.4824	0.8908																					0.5552	217.19
CAPEX, млрд ₹					0.5066	0.0245	0.1472	0.0202	0.1083		0.1122		0.3531		0.2709		0.641		0.1448						0.3044	5.23

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			39.87	45.23	31.69	30.33	6.68	13.32	8.24	6.41	16.8	16.8	10.29	20.26
Long term investments ₹	1.94	2.41	2.8	5.37	9.65	37.2	55.67	46.52	63.61	70.8			54.76	13.74
Total Receivables ₹		1 091.48	0.8766	1 455.28	1 661.74	1 930.56	2 080.82	2 282.12	2 453.5	2 678.82		2 678.82	2285.16	6.77
Total Current Assets ₹		1 121.77	1 300.63	1 500.68	1 696.86	1 986.63	2 142.28	2 319.74	2 483.14	2 713.98		2 713.98	2329.15	6.44
Чистые активы, млрд ₹		0.8423	0.9759	1.04	1.3	1.67	2.95	2.82	2.96	3.53		3.53	2.79	16.15
Активы, млрд ₹			1 305.87	1 506.15	1 712.28	2 007.07	2 169.2	2 357.22	2 546.87	2 785.59	2 913.34	2 913.34	2554.44	6.08
Short Term Debt ₹		994.2	92.99	22.87	40.87	72.26	77.17	135.6	89.08	350.98		350.98	145.02	37.18
Long Term Debt ₹		805.24	906.58	982.83	1 028.83	1 077.49	1 124.67	1 166.65	1 321.07	1 802.03		1 802.03	1298.38	10.83
Задолженность, млрд ₹			1 213.73	1 379.41	1 569.17	1 843.77	1 986.55	2 151.2	2 299.36	2 513.74	2 598.54	2 598.54	2309.88	5.52
Чистый долг, млрд ₹					1 404.34	1 599.67	1 780.15	1 893.74	2 051.3	2 323.26	2 413.47	2 413.47	2092.38	6.28
Долг, млрд ₹		1 799.44	999.57	1 005.7	1 069.7	1 149.76	1 201.84	1 302.25	1 410.16	2 153		2 153	1443.40	13.37
Interest income ₹			0.8017	101.46	111.42	128.9	148.23	144.7	141.11	160.46			144.68	4.48
Расходы на обслуживание долга ₹						128.91	147.82	144.5	141.51	161.35	183.85	183.85	155.81	4.46
Чист. проц. доходы, млрд ₹				36.89	37.71	43.73	48.33	52.59	55.7	64.11	270.67	160.46	98.28	41.14
Goodwill ₹	0.0021	0.0021	0.0021	0.0021	0.0021	0.0021	0.0021	0.0021	0.0021	0.0021			0.0021	0.00
Себестоимость, млрд ₹		1.95	94.76	1.83	0.3806	0.2267	0.5208	0.8931	1.34	1.83		1.83	0.9621	51.84

	2005Q1	2010Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹				6.68	19.38	14.82		6.55		8.24		5.08		6.41		15.23		16.8		10.11		10.73	14.76
Long term investments ₹		14.33	37.68	55.67	52.81	46.52		52.36		63.61		61.27		70.8		60.36						61.68	2.88
Total Receivables ₹		383.25	2 008.2	2 080.82	0.2574	0.077		0.0343		0.0838		2 557.76		2 678.82		0.0006						1047.34	-55.48
Total Current Assets ₹	125.76	387.33	2 023.03	2 142.16	2 125.99							2 570.74		2 713.98								2315.18	6.05
Чистые активы, млрд ₹		0.3908	1.63	2.95	2.86	2.82		2.81		2.96		3.25		3.53		3.58						3.23	4.96
Активы, млрд ₹				2 169.2	2 189	2 357.22		2 402.41		2 546.87		2 652.34		2 785.59		2 819.37		2 913.34		2 993.15		2832.76	2.45
Short Term Debt ₹	110.48	352.98																				231.73	78.74
Long Term Debt ₹		331.72	1 684.72	1 787.23	1 741.26	1 895.26		1 921.9		2 055.85		2 165.47		2 333.32		2 327.29						2160.77	3.90
Задолженность, млрд ₹				1 986.55	1 990.22	2 151.2		2 169.07		2 299.36		2 397.12		2 513.74		2 527.12		2 598.54		2 657		2538.70	2.08
Чистый долг, млрд ₹					1 731.62	1 893.74		1 914.68		2 051.3		2 158.74		2 323.26		2 308.89		2 413.47		2 488.97		2338.67	2.89
Долг, млрд ₹	220.96	684.7				1 896.53		1 923.2														1181.35	71.76
Interest income ₹								0.1381	0.0002	0.1553	0.0051	1.85	0.0142	0.5428	0.2646	0.2206	67.51					13.71	443.77
Расходы на обслуживание долга ₹												38.86	42.32	43.78	44.93	46	46.46	46.46	47.49	48.79	49.5	47.74	1.28
Чист. проц. доходы, млрд ₹										16.59	16.16	11.67	16.2	20.08	22.17	21.13	21.05	68.94	67.47			40.15	24.93
Goodwill ₹			0.0021	0.0021	0.0021	0.0021		0.0021		0.0021		0.0021		0.0021		0.0021						0.0021	0.00
Себестоимость, млрд ₹							35.55	35.43	35.71	36.16	36.77	39.27	43.12	44.28	45.19	46.33						43.64	3.36

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			48.24	47.62	53.89	41.55	52.55	86.52		86.52	56.43	12.68
Цена акции ао	563.25	488.5	434.1	361.2	369.55	414.25	536	597.55	600.2	600.2	503.51	10.19
Число акций ао, млн			504.66	504.66	504.66	550.06	550.06	550.06		550.06	531.90	1.74
FCF/акцию			-427.79	-292.32	-224.59	-304.78	-357.91	-130.68		-130.68	-262.0560	-14.87

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	20.25	16.84	5.66	8.4	21.65	23.98	21.67	21.21	19.67	24.14			22.13	0.13
Цена акции ао	367.98	357.83	390.86	399.16	371.51	365.37	422.81	481.81			561.4	600.2	486.32	10.44

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		18.1	15.32	14.03	14.9	13.16	13.3	10.08	11.13	16.23		16.23	13.90	12.78	4.28
ROA, %		1.28	1.29	1.17	1.21	1.11	1.16	0.9321	1.08	1.67		1.67	2.81	1.19	8.51
ROIC, %	0.8633	1.76	1.96	1.91	2.11	2.01	2.08	1.66	1.38			1.38	5.22	1.85	-8.14
ROS, %			13.87	13.5	13.99	12.18	13.79	11.45	12.77	54.6	54.6	54.6	59.46	29.44	31.68
ROCE, %											0	0	2.58
Ebit margin, %											0	0
Рентаб EBITDA, %											0	0	10.96
Чистая рентаб, %		13.44	13.87	13.5	13.99	12.18	13.79	11.45	12.77	54.6		54.6	59.46	20.96	34.99
Operation Margin, %			93.6	93.61	93.61	91.73	89.75	84.68	86.6	224.92	224.92	224.92	14.46	142.17	20.17

	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	2.32	3.97	1.97	1.07		4.5		1.22		5.69		5.34		4.5		5.07			13.90	4.36	32.96
ROA, %	0.1956	0.3607	0.1723	0.104		0.4373		0.1174		0.855		0.4253		0.3775		0.4496			2.81	0.4450	30.81
ROS, %									7.84	18.67	19.59	17.67	54.86	48.89	64.31	65.21	68.45	54.6	59.46	60.29	2.23
Чистая рентаб, %								6.12	7.84	18.67	19.59	17.67	54.86	48.89	64.31	65.21	68.45		59.46	60.34	4.53
Operation Margin, %				6.79	18.82	24.79	21.47	11.15	9.68	21.97	24.04	21.66						224.92	14.46	60.45	87.60

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			11.06	4.6	7.73	8.96	6.25	6.89		6.89	29.44	6.89	8.42
P/BV			1.65	0.6047	1.03	0.8273	0.6651	1.04		1.04	3.11	0.8334	11.45
P/S			1.55	0.5596	1.07	1.03	0.7986	3.76		3.76	12.17	1.44	46.37
P/FCF							-1.09	-2.99	-2.99	-2.99	5.03	-2.3567	39.99
E/P							0.1346	0.2216	0.2216	0.2216	0.10	0.1926	18.08
EV/EBIT								0	0	0
EV/S				9.84	10.64	11.31	11.06	31.45	31.45	31.45	8.39	19.18	24.20
EV/FCF				-13.16	-18.65	-13.46	-12.72	-38.13	-38.13	-38.13	-4.06	-24.2180	15.38
Debt/EBITDA							0	0	0	0	1.02
Netdebt/Ebitda							0	0	0	0	0.86
Debt/Ratio	0.6677	0.6247	0.5729	0.554	0.5525	0.5537	0.7729	0.739	0.739	0.739	0.24	0.6714	5.99
Debt/Equity	7.94	7.47	7.04	6.58	6.32	5.7	7.92	610.14	8.25	8.25	7.48	127.67	5.47
Debt/Net Income	51.78	53.27	47.24	50.01	47.51	61.7	74.48	45.24	45.24	45.24	12.45	54.83	-0.97
PEG									12.12	12.12		12.12	0.00
Бета							2.03	1.86	2.25	2.25	2.80	2.05	3.49
Индекс Альтмана							0.1892	0.1421	0.1421	0.1421	1.07	0.1578	-9.10

	2005Q1	2010Q1	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			52.16	33.99	11.34	15.22	13.07	9.47	9.46	7.6			29.44	10.96	-12.97
P/BV			1.03	1.01	0.8273	0.85	0.7222	0.8731	1.04	1.08			3.11	0.9131	4.91
P/S			4.25	2.32	1.32	2.08	1.71	1.4	2.14	2.1			12.17	1.89	0.19
P/FCF												-2.99	5.03	-2.9900	0.00
E/P												0.2216	0.10	0.2216	0.00
EV/S								38.02	123.86	140.13		31.45	8.39	83.36	-4.63
EV/FCF												-38.13	-4.06	-38.1300	0.00
Debt/Ratio	1.73	1.7										0.739	0.24	1.39	-24.69
Debt/Equity	18.25	19.89										8.25	7.48	15.46	-23.25
Debt/Net Income	1325.49	320.69										45.24	12.45	563.81	-67.56
PEG												12.12		12.12	0.00
Бета											2.51	2.25	2.80	2.38	-5.32
Индекс Альтмана											0.1421	0.1421	1.07	0.1421	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	2.26	2.51	2.77	3.12	3.42	3.84	4.04	4.62	4.68			4.68		4.12	6.47
Дивиденд		5.5	6.2	6.8	7.6	8	8.5	8.5	8.5	9		9		8.50	2.38
Див доход, ао, %		1.09	0.9746	1.36	1.6	2.6	2	4.09	2.03	2.6		2.6	1.58	2.66	0.00
Дивиденды / прибыль, %		15.05	14.24	15.52	14.06	15.96	14.73	20.46	15.98	9.82		9.82	17.85	15.39	-9.26
Dividend Coverage Ratio											10.18	10.18		10.18	0.00

	2014Q3	2015Q3	2016Q3	2017Q3	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						3.42	3.84	3.84		4.04	0.0027	4.68	4.7	4.62	4.68			3.74	344.40
Дивиденд	4	5	5.5	6.2	6.8		7.6		8		8.5		8.5		8.5			8.22	2.26
Див доход, ао, %	1.3	1.09	1.01	0.9044	1.34		1.61		2.86		2.01		2.17		2.01		1.58	2.13	4.54
Дивиденды / прибыль, %						49.1	49.94	90.4		99.41	0.1081	41.98	151.09	38.82	39.23		17.85	54.25	225.06
Dividend Coverage Ratio																10.18		10.18	0.00

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.0746	0.0545	0.1769	0.2831	0.4296	0.4296	41.93
Персонал, чел				2 353	2 353		0.00

	CAGR 5

	CAGR 5