LIC Housing Finance Limited

BSE:500253 Stock Report

Market Cap: ₹333.4b

LIC Housing Finance Valuation

Is 500253 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 500253 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 500253 (₹609.4) is trading below our estimate of fair value (₹747.07)

Significantly Below Fair Value: 500253 is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 500253?

Key metric: As 500253 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 500253. This is calculated by dividing 500253's market cap by their current earnings.
What is 500253's PE Ratio?
PE Ratio6.9x
Earnings₹48.81b
Market Cap₹333.37b

Price to Earnings Ratio vs Peers

How does 500253's PE Ratio compare to its peers?

The above table shows the PE ratio for 500253 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average18.2x
PNBHOUSING PNB Housing Finance
14.3x16.6%₹240.3b
IIFL IIFL Finance
11.3x22.9%₹183.2b
AADHARHFC Aadhar Housing Finance
22.1x20.4%₹181.1b
AAVAS Aavas Financiers
25.3x20.4%₹134.2b
500253 LIC Housing Finance
6.9x5.2%₹333.4b

Price-To-Earnings vs Peers: 500253 is good value based on its Price-To-Earnings Ratio (6.9x) compared to the peer average (18.2x).

Price to Earnings Ratio vs Industry

How does 500253's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.5xn/aUS$40.27m
538732 Vibrant Global Capital
5xn/aUS$17.43m
539946 Bazel International
4.1xn/aUS$1.93m
538863 Sri Amarnath Finance
3.1xn/aUS$941.06k
500253 6.9xIndustry Avg. 29.3xNo. of Companies18PE020406080100+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 500253 is good value based on its Price-To-Earnings Ratio (6.9x) compared to the Indian Diversified Financial industry average (29.3x).

Price to Earnings Ratio vs Fair Ratio

What is 500253's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

500253 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.9x
Fair PE Ratio18.6x

Price-To-Earnings vs Fair Ratio: 500253 is good value based on its Price-To-Earnings Ratio (6.9x) compared to the estimated Fair Price-To-Earnings Ratio (18.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 500253 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹609.40
₹724.62
+18.9%
15.0%₹940.00₹450.00n/a26
Dec ’25₹638.90
₹725.19
+13.5%
15.1%₹940.00₹450.00n/a26
Nov ’25₹633.85
₹728.27
+14.9%
15.3%₹940.00₹450.00n/a26
Oct ’25₹659.30
₹735.00
+11.5%
15.2%₹940.00₹450.00n/a28
Sep ’25₹674.15
₹733.64
+8.8%
15.5%₹940.00₹450.00n/a28
Aug ’25₹757.25
₹742.68
-1.9%
16.2%₹950.00₹450.00n/a28
Jul ’25₹815.90
₹723.39
-11.3%
16.8%₹950.00₹450.00n/a28
Jun ’25₹632.80
₹689.93
+9.0%
13.6%₹900.00₹450.00n/a27
May ’25₹673.50
₹657.30
-2.4%
12.0%₹770.00₹505.00n/a27
Apr ’25₹637.10
₹656.74
+3.1%
12.6%₹800.00₹505.00n/a27
Mar ’25₹648.55
₹657.48
+1.4%
12.7%₹800.00₹505.00n/a27
Feb ’25₹629.60
₹546.99
-13.1%
18.2%₹770.00₹374.00n/a28
Jan ’25₹562.25
₹499.61
-11.1%
13.8%₹650.00₹374.00₹600.4028
Dec ’24₹492.65
₹493.89
+0.3%
13.2%₹600.00₹374.00₹638.9028
Nov ’24₹457.75
₹477.78
+4.4%
13.5%₹596.00₹374.00₹633.8527
Oct ’24₹463.90
₹463.44
-0.1%
13.3%₹593.00₹365.00₹659.3027
Sep ’24₹433.20
₹463.48
+7.0%
13.3%₹593.00₹365.00₹674.1527
Aug ’24₹417.90
₹428.67
+2.6%
14.5%₹560.00₹320.00₹757.2527
Jul ’24₹391.95
₹426.04
+8.7%
14.7%₹560.00₹320.00₹815.9026
Jun ’24₹377.00
₹425.65
+12.9%
14.7%₹560.00₹320.00₹632.8026
May ’24₹344.20
₹424.38
+23.3%
14.4%₹561.00₹320.00₹673.5026
Apr ’24₹328.70
₹431.54
+31.3%
13.4%₹561.00₹320.00₹637.1026
Mar ’24₹356.90
₹437.97
+22.7%
12.8%₹561.00₹320.00₹648.5527
Feb ’24₹385.80
₹440.15
+14.1%
14.6%₹563.00₹320.00₹629.6027
Jan ’24₹414.25
₹439.00
+6.0%
14.3%₹562.00₹320.00₹562.2527

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/03 12:18
End of Day Share Price 2025/01/03 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

LIC Housing Finance Limited is covered by 67 analysts. 26 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Darpin ShahAlmondz Global Securities Ltd
Raghav GargAmbit Capital
Vaibhav AgrawalAngel Broking Private Limited