LICHSGFIN Share Price Performance
₹520.05
-25.25 (-4.63%)
18.3% undervalued intrinsic discount
₹636.23
Fair Value
Price ₹520.05
AnalystConsensusTarget ₹636.23
AnalystHighTarget ₹819.04
AnalystLowTarget ₹410.00
Fair Value₹636.23
Share Pricen/a
LIC Housing Finance Limited Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 21 Fair Values set on narratives written by author
LICHSGFIN Community Narratives
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Fair Value ₹636.23 18.3% undervalued intrinsic discount
Lower Rates And Urbanization In India Will Drive Mortgage Demand
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Fair Value ₹819.04 36.5% undervalued intrinsic discount
Rising Urbanization And Digital Adoption Will Spur Housing Demand
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Fair Value ₹410 26.8% overvalued intrinsic discount
Aggressive Fintech Rivalry Will Erode Mortgage Margins
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Aggressive Fintech Rivalry Will Erode Mortgage Margins
Key Takeaways Growing competition from fintechs and banks, along with slow tech adoption, threatens profitability and customer base due to operational inefficiencies and digital lag. Persistent reliance on lower-income segments and rising compliance pressures heighten credit risk and may constrain growth and long-term earnings.Read more
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₹410
26.8% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
3.44% p.a.
Profit Margin
60.07%
Future PE
5.8x
Price in 2029
₹589.79
Lower Rates And Urbanization In India Will Drive Mortgage Demand
Key Takeaways Lower funding costs, government support, and ongoing digitization are expected to drive margin stability, recurring income, and future profitability. Asset quality improvement and expansion into affordable housing suggest stronger long-term growth potential despite current competition.Read more
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₹636.23
18.3% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
10.88% p.a.
Profit Margin
57.7%
Future PE
7.76x
Price in 2029
₹932.65
Rising Urbanization And Digital Adoption Will Spur Housing Demand
Key Takeaways Lower funding costs, digital expansion, and market consolidation position the company for stronger margins and accelerated loan growth, outpacing industry peers. Backing from LIC enables scaling of high-margin affordable products, driving sustainable profitability gains and increased market share amidst regulatory shifts.Read more
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₹819.04
36.5% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
12.74% p.a.
Profit Margin
63.67%
Future PE
8.59x
Price in 2029
₹1.21k
Trending Discussion
Recently Updated Narratives
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LICHSGFIN: Lower Future P/E Will Limit Upside Despite Governance Resolutions
Fair Value: ₹410 26.8% overvalued intrinsic discount
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LICHSGFIN: Upcoming Leadership Changes Will Support Confidence In Future Earnings
Fair Value: ₹636.23 18.3% undervalued intrinsic discount
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LICHSGFIN: Board Leadership Changes Will Support Stable Margins And Future Upside
Fair Value: ₹819.04 36.5% undervalued intrinsic discount
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Snowflake Analysis
LIC Housing Finance Limited Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
- 99.71
- 97.81%
- 65.14%
- 679.3%
About LICHSGFIN
- Founded
- 1989
- Employees
- 2352
- CEO
- WebsiteView website
LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. The company offers public, green, and corporate deposits; home loans to residents and non-residents Indians, as well as to pensioners; plot loans, home improvement and renovation, construction, and home extension 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 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. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
