LIC Housing Finance Limited

NSEI:LICHSGFIN Stock Report

Market Cap: ₹329.0b

LIC Housing Finance Valuation

Is LICHSGFIN 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 LICHSGFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
₹725.84
Fair Value
17.6% undervalued intrinsic discount
27
Number of Analysts

Below Fair Value: LICHSGFIN (₹598.1) is trading below our estimate of fair value (₹725.84)

Significantly Below Fair Value: LICHSGFIN 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 LICHSGFIN?

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

The above table shows the Price to Earnings ratio for LICHSGFIN. This is calculated by dividing LICHSGFIN's market cap by their current earnings.
What is LICHSGFIN's PE Ratio?
PE Ratio6.4x
Earnings₹51.47b
Market Cap₹328.99b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for LICHSGFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.7x
PNBHOUSING PNB Housing Finance
12.5x15.7%₹228.2b
IIFL IIFL Finance
9.6x18.0%₹151.3b
AADHARHFC Aadhar Housing Finance
20.5x21.0%₹171.3b
AAVAS Aavas Financiers
24.1x20.9%₹135.6b
LICHSGFIN LIC Housing Finance
6.4x4.0%₹329.0b

Price-To-Earnings vs Peers: LICHSGFIN is good value based on its Price-To-Earnings Ratio (6.4x) compared to the peer average (16.7x).

Price to Earnings Ratio vs Industry

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

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.1xn/aUS$31.76m
538732 Vibrant Global Capital
4.5xn/aUS$15.86m
539946 Bazel International
3.9xn/aUS$1.80m
538863 Sri Amarnath Finance
3.1xn/aUS$941.06k
LICHSGFIN 6.4xIndustry Avg. 24.9xNo. of Companies22PE020406080100+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: LICHSGFIN is good value based on its Price-To-Earnings Ratio (6.4x) compared to the Indian Diversified Financial industry average (24.9x).

Price to Earnings Ratio vs Fair Ratio

What is LICHSGFIN'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.

LICHSGFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.4x
Fair PE Ratio17.3x

Price-To-Earnings vs Fair Ratio: LICHSGFIN is good value based on its Price-To-Earnings Ratio (6.4x) compared to the estimated Fair Price-To-Earnings Ratio (17.3x).

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 LICHSGFIN forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹598.10
₹717.37
+19.9%
15.8%₹940.00₹450.00n/a27
Jan ’26₹600.30
₹727.96
+21.3%
14.9%₹940.00₹450.00n/a27
Dec ’25₹638.80
₹727.96
+14.0%
14.9%₹940.00₹450.00n/a27
Nov ’25₹634.05
₹730.93
+15.3%
15.1%₹940.00₹450.00n/a27
Oct ’25₹659.25
₹735.00
+11.5%
15.2%₹940.00₹450.00n/a28
Sep ’25₹674.40
₹733.64
+8.8%
15.5%₹940.00₹450.00n/a28
Aug ’25₹757.55
₹742.68
-2.0%
16.2%₹950.00₹450.00n/a28
Jul ’25₹816.35
₹723.39
-11.4%
16.8%₹950.00₹450.00n/a28
Jun ’25₹632.70
₹689.93
+9.0%
13.6%₹900.00₹450.00n/a27
May ’25₹673.85
₹657.30
-2.5%
12.0%₹770.00₹505.00n/a27
Apr ’25₹636.20
₹656.74
+3.2%
12.6%₹800.00₹505.00n/a27
Mar ’25₹648.75
₹657.48
+1.3%
12.7%₹800.00₹505.00n/a27
Feb ’25₹629.65
₹546.99
-13.1%
18.2%₹770.00₹374.00₹598.1028
Jan ’25₹563.05
₹499.61
-11.3%
13.8%₹650.00₹374.00₹600.3028
Dec ’24₹492.70
₹493.89
+0.2%
13.2%₹600.00₹374.00₹638.8028
Nov ’24₹457.35
₹477.78
+4.5%
13.5%₹596.00₹374.00₹634.0527
Oct ’24₹464.35
₹463.44
-0.2%
13.3%₹593.00₹365.00₹659.2527
Sep ’24₹433.20
₹463.48
+7.0%
13.3%₹593.00₹365.00₹674.4027
Aug ’24₹418.00
₹428.67
+2.6%
14.5%₹560.00₹320.00₹757.5527
Jul ’24₹392.20
₹426.04
+8.6%
14.7%₹560.00₹320.00₹816.3526
Jun ’24₹377.10
₹425.65
+12.9%
14.7%₹560.00₹320.00₹632.7026
May ’24₹344.20
₹424.38
+23.3%
14.4%₹561.00₹320.00₹673.8526
Apr ’24₹328.75
₹431.54
+31.3%
13.4%₹561.00₹320.00₹636.2026
Mar ’24₹356.85
₹437.97
+22.7%
12.8%₹561.00₹320.00₹648.7527
Feb ’24₹386.90
₹440.15
+13.8%
14.6%₹563.00₹320.00₹629.6527
Analyst Price Target
Consensus Narrative from 27 Analysts
₹717.37
Fair Value
16.6% undervalued intrinsic discount
27
Number of Analysts

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 Analysis2025/02/01 22:00
End of Day Share Price 2025/01/31 00:00
Earnings2024/12/31
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 71 analysts. 24 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
Nitin BhasinAmbit Capital
Raghav GargAmbit Capital