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LIC Housing Finance
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LIC Housing Finance Share price and Fundamental Analysis
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Company History
LIC Housing Finance Ltd (LICHFL) is one of the largest housing finance companies in India with a key objective of providing long term finance to individuals for the purchase or construction of house/flat for residential purposes in India. LICHFL also provides finance on existing property for business/personal needs and also gives loans to professionals for purchase/construction of Clinics/Nursing Homes/ Diagnostic Centers/ Office Space and also for purchase of equipment. The Company also provides finance to builders and developers engaged in the business of construction of houses or flats for residential purpose and to be sold by them.
The Company has 9 regional offices, 24 Back Offices and 282 Marketing Offices across India. It has set up an overseas representative office in Dubai and Kuwait to cater to the non-resident Indians in the GLCC countries covering Bahrain, Dubai, Kuwait, Qatar and Saudi Arabia.
LICHFL Asset management Company is the Investment Manager of LICHFL Urban Development Fund, a Venture Capital Fund with focus on mid income housing and Income yielding micro infrastructure assets. The LICHFL Urban Development Fund is sponsored by LIC Housing Finance Limited and co-sponsored by LIC of India. LICHFL Trustee Company Private Limited currently provides Trusteeship services to LICHFL Urban Development Fund managed by LICHFL Asset Management Company Limited.
LICHFL Care Homes Limited was established to set up and operate assisted community living centres for Senior Citizens. It has established Care Homes under two Projects in Bengaluru and another one in Bhubaneswar is nearing Completion. LICHFL Care Homes Limited is also developing a Senior Living project at Vasind in collaboration with TATA value Homes Limited.
LIC Housing Finance Ltd was incorporated on June 19 1989. The company was promoted by LIC of India and went public in the year 1994. The company is recognized by National Housing Bank and listed on the National Stock Exchange (NSE) & Bombay Stock Exchange Limited (BSE) and its shares are traded only in Demat format. The GDR's are listed on the Luxembourg Stock Exchange.
In the period of 2001, the company launched their new scheme called Griha Vikas. In the year 2002, the company signed a deed of assignment to take over individual housing loan portfolio of Citibank. In the year 2003, they unveiled a new project for elderly people called LICHFL Care Homes. The company launched their maiden GDR issue in the year 2004. Also, they introduced flexi-fixed scheme offering fixed rate of interest for first five years and variable thereafter.
In October 2005, the company started offering of 'New Griha Laxmi' housing loans against the security of certain approved financial assets like Bank Fixed Deposits, National Savings Certificates and Life Insurance Policies. In the year 2006, the company introduced new Griha Jestha for senior citizens for buying unit of LICHFL Care Homes Ltd. In May 2007, the company launched maiden Fixed Deposit Scheme.
In October 31, 2007, the company incorporated LICHFL Financial Services Ltd for undertaking non fund based activities like marketing of housing loans, insurance products, credit card, mutual fund, personal loan etc. In February 2008, they launched reverse mortage for senior citizens above 60 years of age. In February 14, 2008, the company incorporated LICHFL Asset Management Company Private Limited for undertaking the business of managing, advising, administering venture funds, unit trust, investment trust in India as well as abroad.
In March 5, 2008, the company incorporated LICHFL Trustee Company Private Limited for undertaking the business of trustees of venture capital trust, funds - in India and offshore fund. In March 12, 2008, they launched a new venture capital fund for realty projects.
During the year 2009-10, the company was awarded the 'Second Best Home Loan Provider' award by Outlook Profit. During the year 2010-11, the company launched a unique interest rate scheme namely 'MINI 5' to cater to housing finance needs of the priority sector population residing in Tier II and Tier III cities.
On 6 September 2010, LIC Housing Finance announced that it is applying for a license with the Pension Fund Regulatory Development Authority (PFRDA) to act as Aggregator under the National Pension System (NPS) - Lite.
The Board of Directors of LIC Housing Finance at its meeting held on 27 October 2010 approved subdivision of Equity shares of the Company of Rs. 10/- each into 5 equity shares of Rs. 2/- each.
In 2011, LIC Housing Finance crossed Rs 50000 crore loan portfolio milestone.
On 21 March 2012, LIC Housing Finance completed allotment of 3 crore equity shares to LIC of India, the promoter of the company, on preferential allotment basis at issue price of Rs 270 per share. In 2013, the company crossed Rs 1000 crore profit and Rs 75000 crore assets mark. In 2015, the company crossed Rs 1 lakh crore loan portfolio mark. The Board of Directors of LIC Housing Finance at its meeting held on 15 December 2015 approved the proposal to acquire upto 19.3% in the paid up Equity Share Capital of LIC Nomura Mutual Fund Asset Management Company Limited from Nomura Asset Management Strategic Investment Pte Ltd for a consideration not exceeding Rs 27.36 crore and upto 19.3% in the paid up Equity Share Capital of LIC Nomura Mutual Fund Trustee Company Private Ltd. for a consideration not exceeding Rs 1.52 lakh.
In 2017, LIC Housing Finance crossed Rs 1.5 lakh crore assets mark.
In year 2020-21, the Company infused three tranches of Tier 2 capital through a capital infusion of Rs. 1,800 crore.
During the year 2021-22, opening of 2 new offices were initiated and 2565 of new Marketing Intermediaries were recruited to further strengthen the distribution network.
As on March 31, 2022, the Company has 4 Subsidiaries namely, LICHFL Care Homes Limited, LICHFL Asset Management Company Limited, LICHFL Trustee Company Private Limited and LICHFL Financial Services Limited.
In 2022-23, the Company opened 50 new Area Offices pan-India and expanded to 23 States and 4 Union Territories, along with a representative office in Dubai, UAE. The number of branches increased to 314. During the FY 2022-23, the Company completed a project at Bangalore in two Phases and Jeevan Anand Project at Bhubaneswar. It launched a new Alternative Investment Fund (AIF) namely LICHFL Housing & Infrastructure Fund (LHIF), with a total corpus of Rs 1000 crore including Green Shoe Option (GSO) of Rs 250 crore. The Company registered a New Fund with SEBI - LICHFL Real Estate Debt Opportunities Fund - I on 30th March, 2021 under AIF Category II of SEBI Alternate Investment Fund Regulations 2012 (AIF).
In 2023, LIC Housing Finance Company crossed Rs 2.75 lakh Crore with a Loan Portfolio. The Individual Housing Loan grew by 12% YoY, from Rs 2.04 lakhs crore in FY 2021-22 to Rs 2.29 lakhs crore in FY 2022-23. The revenue from operations was Rs 22,656.95 crore for FY 2022-23, compared to Rs 19,919.07 crore for FY 2021-22. As of 31st March, 2023, LICHFL's individual housing loan book represented 83.16% of the total retail portfolio. The project loans sanctioned and disbursed by the Company during the year were amounting to Rs 3,097 crore and Rs 2,697 crore respectively.
LIC Housing Finance Share Price
LIC Housing Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
LIC Housing Finance Market Cap
Market capitalization of LIC Housing Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how LIC Housing Finance is valued compared to its competitors.
LIC Housing Finance PE Ratio
LIC Housing Finance PE ratio helps investors understand what is the market value of each stock compared to LIC Housing Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
LIC Housing Finance PEG Ratio
The PEG ratio of LIC Housing Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
LIC Housing Finance ROE (Return on Equity)
Return on Equity (ROE) measures how effectively LIC Housing Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
LIC Housing Finance ROCE (Return on Capital Employed)
Return on Capital Employed (ROCE) evaluates the profitability of LIC Housing Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
LIC Housing Finance Total Debt
Total debt of LIC Housing Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
LIC Housing Finance Debt to Equity Ratio
The Debt-to-Equity (DE) ratio of LIC Housing Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
LIC Housing Finance CAGR (Compound Annual Growth Rate)
CAGR shows the consistent growth rate of LIC Housing Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
LIC Housing Finance Technical Analysis
Technical analysis of LIC Housing Finance helps investors get an insight into when they can enter or exit the stock. Key components of LIC Housing Finance Technical Analysis include:
Support Levels (S1, S2, S3)
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
Resistance Levels (R1, R2, R3)
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where LIC Housing Finance shares often struggle to rise above due to selling pressure.
LIC Housing Finance Dividends
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect LIC Housing Finance ’s financial health and profitability.
LIC Housing Finance Bonus Shares
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
LIC Housing Finance Stock Split
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
LIC Housing Finance Financials
The financials of LIC Housing Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
LIC Housing Finance Profit and Loss Statements
The profit and loss statement of LIC Housing Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of LIC Housing Finance .
LIC Housing Finance Balance Sheet
The balance sheet presents a snapshot of LIC Housing Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
LIC Housing Finance Cashflow Statements
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
LIC Housing Finance Net Interest Margin (NIM)
LIC Housing Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.
LIC Housing Finance Non-Performing Assets (NPA) Ratio
Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.
LIC Housing Finance Capital Adequacy Ratio (CAR)
Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.
LIC Housing Finance Gross NPA
Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.
LIC Housing Finance Net NPA Ratio
Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.
LIC Housing Finance CASA Ratio
CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.
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SEBI REGISTERED RESEARCH ANALYST REGISTRATION NUMBER: INH000015729Disclaimer: "Investments in securities are subject to market risks. Read all the related documents carefully before investing." Receiving registration from SEBI and certification from NISM does not assure the performance of the intermediary or guarantee returns to investors in any manner. Compliance Email: [email protected]
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