LIC Housing Finance Limited

NSEI:LICHSGFIN Stock Report

Market Cap: ₹339.6b

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.

Below Fair Value: LICHSGFIN (₹617.45) is trading below our estimate of fair value (₹763.16)

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 Ratio7x
Earnings₹48.81b
Market Cap₹339.64b

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 Average17.2x
PNBHOUSING PNB Housing Finance
13.2x16.6%₹222.1b
IIFL IIFL Finance
11x25.3%₹173.4b
AADHARHFC Aadhar Housing Finance
21.3x20.4%₹177.8b
APTUS Aptus Value Housing Finance India
23.3x18.8%₹157.6b
LICHSGFIN LIC Housing Finance
7x5.2%₹339.6b

Price-To-Earnings vs Peers: LICHSGFIN is good value based on its Price-To-Earnings Ratio (7x) compared to the peer average (17.2x).

Price to Earnings Ratio vs Industry

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

8 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.5xn/aUS$38.91m
538732 Vibrant Global Capital
5xn/aUS$17.88m
539217 Srestha Finvest
5xn/aUS$12.24m
531735 Prism Finance
2.8xn/aUS$2.43m
LICHSGFIN 7.0xIndustry Avg. 24.3xNo. of Companies19PE020406080100+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: LICHSGFIN is good value based on its Price-To-Earnings Ratio (7x) compared to the Indian Diversified Financial industry average (24.3x).

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 Ratio7x
Fair PE Ratio18.7x

Price-To-Earnings vs Fair Ratio: LICHSGFIN is good value based on its Price-To-Earnings Ratio (7x) compared to the estimated Fair Price-To-Earnings Ratio (18.7x).

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₹617.45
₹725.19
+17.4%
15.1%₹940.00₹450.00n/a26
Nov ’25₹634.05
₹728.27
+14.9%
15.3%₹940.00₹450.00n/a26
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₹374.00n/a28
Jan ’25₹563.05
₹499.61
-11.3%
13.8%₹650.00₹374.00n/a28
Dec ’24₹492.70
₹493.89
+0.2%
13.2%₹600.00₹374.00n/a28
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
Jan ’24₹414.15
₹439.00
+6.0%
14.3%₹562.00₹320.00₹563.0527
Dec ’23₹394.00
₹439.00
+11.4%
14.3%₹562.00₹320.00₹492.7027
Nov ’23₹400.50
₹480.15
+19.9%
13.8%₹600.00₹325.00₹457.3527

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

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