LIC Housing Finance Ltd.
NSE: LICHSGFINLIC Housing Finance Ltd.: A 30-second snapshot
LIC Housing Finance trades at ₹523.10, down 11.02% over the past year and 12.55% below its 52-week high, currently below both its 50-DMA (₹546.88) and 200-DMA (₹540.21) with RSI at 38.27. It carries a trailing PE of 5.01 (forward 4.65) against a sector peer range of 13.8-59.9, ROE of 14.41%, and debt-to-equity of roughly 6.43x — a leverage level consistent with the housing-finance business model. Q1 FY27 results, reported July 30-31, 2026, showed net profit up 9.4% YoY to ₹1,488 crore, and the mean analyst rating is 2.5 across 24 analysts (1-5 scale, lower = more constructive).
P/E
5.0
Forward P/E
4.6
ROE
+14.4%
Debt / Equity
642.52
Profit Margin
+65.8%
Div. Yield
+1.9%
5Y ROE > 15%
1/5
5Y FCF > 0
0/5
Quality
55/100
News
8 headlines · 2 positive · 0 negative
LICHSGFIN: Q1 FY 2027 delivered strong disbursement growth and improved asset quality, but margin pressure persists - TradingView
TradingView
LIC Housing Finance Q1 Results: Net profit rises 9.4% to ₹1,488 crore - scanx.trade
scanx.trade
LIC Housing Finance Q1 PAT 14.88 Billion Rupees - TradingView
TradingView
LIC Housing Finance Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
marketscreener.com
Transcript : LIC Housing Finance Limited, Q1 2027 Earnings Call, Jul 31, 2026 - marketscreener.com
marketscreener.com
Recent context
- ·Q1 FY27 results, reported July 30-31, 2026, showed net profit up 9.4% YoY to ₹1,488 crore; coverage of the same print described 'strong disbursement growth and improved asset quality' alongside continuing 'margin pressure.'
- ·Of 8 tracked news items, 2 were positive and 6 neutral, with 0 negative, clustered around the Q1 results window (July 30-31, 2026).
- ·Mean analyst rating is 2.5 across 24 analysts (1-5 scale, lower = more constructive).
Strengths
- +Trailing PE of 5.01 is the lowest among the 6-company peer comparison set (range 13.8-59.9), and forward PE of 4.65 is lower still.
- +Q1 FY27 net profit rose 9.4% YoY to ₹1,488 crore, with coverage of the print citing 'strong disbursement growth and improved asset quality.'
- +ROE of 14.41% ranks 2nd of 6 peers in the comparison set.
- +News flow around the quarter skews constructive (2 positive, 6 neutral, 0 negative of 8 tracked items); dividend yield is 1.85%.
Weaknesses
- −Reported profit margin of 65.78% is well above the range typically seen at lending institutions (generally 20-30% of total income); this may reflect a non-standard denominator in the source data rather than genuinely unusual profitability, and should be read cautiously.
- −Free cash flow was not positive in any of the tracked years (0 of 5), and ROE exceeded 15% in only 1 of those years; consistency score is 46/100 and quality score 50/100.
- −Currently below both the 50-DMA and 200-DMA, down 11.02% over the past year and 10.14% over the past 3 months, with a 12.55% drawdown from the 52-week high.
- −The sector peer set mixes banks, an insurer and NBFCs rather than direct housing-finance comparables, and priceChange1Y is unavailable for 5 of the 6 peers, limiting how much weight the relative rankings can carry.
Open questions
- ?Does the reported 65.78% profit margin reflect total revenue as the denominator, or a narrower base such as net interest income, and how does that compare with the company's own disclosed net margin?
- ?Does the gap between a 14.41% ROE and only 1 of the tracked years above 15% reflect a temporary cyclical dip in profitability or a structural shift in the lending business?
- ?What does the company's own commentary on 'margin pressure' in the Q1 FY27 print attribute the pressure to, and is that expected to persist?
- ?How does LIC Housing Finance's leverage and asset-quality profile compare against direct housing-finance peers, given the current peer set mixes banks, an insurer and NBFCs?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| LICHSGFIN | LIC Housing Finance Ltd.You're viewing | 5.0 | +14.4% | 50 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹523.10
SMA 50
₹546.88
SMA 200
₹540.21
RSI (14)
38.3 (neutral)
From 52w high
-12.6%
1Y return
-11.0%
3M return
-10.1%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highReported profit margin of 65.78% is well outside the range typically seen at lending institutions, which generally post net margins in the 20-30% band on total income given interest expense is a large cost line. This may reflect a non-standard denominator in the source data (e.g. net interest income rather than total revenue) rather than a genuinely unusual level of profitability, and should be read cautiously pending confirmation of the calculation basis.
- mediumFree cash flow was not positive in any of the tracked years (0 of 5), and ROE of 14.41% exceeded the 15% mark in only 1 of the tracked years. Consistency score is 46/100 and quality score is 50/100. For a housing finance company, negative CFO-based FCF often reflects loan-book growth funded through borrowings rather than a going-concern signal on its own, but the metric provides no cash buffer independent of continued access to debt markets.
- mediumPrice of ₹523.10 sits below both the 50-DMA (₹546.88) and 200-DMA (₹540.21), down 11.02% over the past year and 10.14% over the past 3 months, with a 12.55% drawdown from the 52-week high. Weakness spans both short and medium timeframes rather than a single-quarter dip.
- lowThe 6-company peer set used for sector ranking mixes banks (HDFCBANK, AXISBANK), an insurer (HDFCLIFE) and NBFCs (BAJFINANCE, BAJAJFINSV) rather than direct housing-finance comparables, and priceChange1Y is unavailable for 5 of the 6 peers. The PE (1st of 6), ROE (2nd of 6) and quality-score (3rd of 6) rankings should be weighed with that heterogeneity in mind.
Cross-section contradictions
- News sentiment is neutral-to-positive (2 positive, 6 neutral, 0 negative of 8 items) following Q1 FY27 results showing net profit up 9.4% YoY to ₹1,488 crore, yet the stock is down 11.02% over the past 1 year and trades below both its 50-DMA and 200-DMA — the recent quarter's print has not been accompanied by a corresponding price recovery.
- Trailing PE of 5.01 is the lowest in the 6-stock comparison set (peer range 13.8-59.9) despite an ROE of 14.41% that ranks 2nd of 6 — a low earnings multiple against a mid-pack-to-strong ROE is a pricing gap worth examining against sector-specific factors not captured in these metrics alone.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Aug 2026 · rotates through NIFTY 500 every ~5 days