Here is a data-driven look at LIC Housing Finance Ltd. (LICHSGFIN), covering financial performance, valuation, and shareholding trends.
LIC Housing Finance Revenue Trend
LIC Housing Finance Ltd. clocked ₹27,689 Cr in revenue for FY2025, up 2.1% from FY2024.
A 10.0% CAGR over 10 years puts LIC Housing Finance Ltd. in solid growth territory. The top line went from ₹10,695 Cr to ₹27,689 Cr in that span.
At ₹27,689 Cr in annual revenue, LIC Housing Finance Ltd. is one of the major players in the finance - housing space.
Revenue has moved in the same direction for 3 years running, suggesting the growth trend has structural legs.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹27,689 Cr | +2.1% |
| FY2024 | ₹27,123 Cr | +20.2% |
| FY2023 | ₹22,572 Cr | +13.8% |
| FY2022 | ₹19,836 Cr | -0.2% |
| FY2021 | ₹19,882 Cr | — |
View LIC Housing Finance Ltd.'s full 10-year revenue trend with CAGR analysis →
LIC Housing Finance Profitability
Earnings came in strong at ₹5,442 Cr for FY2025, marking a 14.3% gain over the ₹4,760 Cr posted in FY2024.
Net margin expanded to 19.7% in FY2025, up from 17.5% a year prior.
At ₹98.95 per share (diluted), FY2025 earnings were up year-over-year from ₹86.53.
Is LIC Housing Finance Undervalued
LIC Housing Finance Ltd. shares are currently trading at ₹519.00.
Craytheon calculates intrinsic value using the P/E Ratio and EPS Growth models. Both appear in the Valuation Models cards below.
Valuation Models
LIC Housing Finance Shareholding Pattern
Promoter holding has remained stable at 45.2% over the past 4 quarters, indicating confidence in the company's direction.
As of June 2026, FIIs own 21.5% of the company — up from 20.2% a year earlier.
DII ownership is at 21.0%, down from the 22.1% recorded a year ago.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 45.2% | 21.5% | 21.0% | 12.3% |
| Mar 2026 | 45.2% | 21.4% | 20.9% | 12.5% |
| Dec 2025 | 45.2% | 20.4% | 21.8% | 12.6% |
| Sep 2025 | 45.2% | 20.2% | 22.1% | 12.4% |
Track quarterly shareholding changes for LIC Housing Finance Ltd. →
LIC Housing Finance Balance Sheet
Proportional view as of 3 Aug 2026. Hover blocks for details.
Assets
Liabilities & Equity
FY2025 total assets: ₹3,140.40B (up 7.8% YoY from ₹2,913.34B).
Top categories: Other Assets (97.2%), Cash & ST Investments (2.8%), Property, Plant & Equipment (0.1%).
Of the ₹3,140.40B in liabilities and equity, 11.6% is shareholder equity, 86.2% is interest-bearing debt, and 2.2% is operating liabilities. Over the year, debt is up 7.2% and equity is up 15.5%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash & ST Investments | 86.75B |
| Receivables | 116.20M |
| Property, Plant & Equipment | 2.05B |
| Intangibles & Goodwill | 247.80M |
| Other Assets | 3,051.23B |
| Category | Value |
|---|---|
| Equity | 363.56B |
| Short-term Debt | 2,707.26B |
| Trade Payables | 2.16B |
| Other Liabilities | 67.43B |
What Stands Out About LIC Housing Finance
To sum up LIC Housing Finance Ltd.'s financial position: the data paints a clear picture for investors evaluating this finance - housing stock.
Revenue of ₹27,689 Cr in FY2025, up 2.1% year-over-year.
Long-term revenue has been compounding at 10.0% annually over 10 years.
The company is profitable, with a net margin of 19.7% and net income of ₹5,442 Cr.
Unlock Full Analysis
There's more to the story. Craytheon's full profile for LIC Housing Finance Ltd. includes three valuation models, decade-long financials, and insider activity.