LIC Housing Finance Limited (LICHSGFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹304B (≈ $3.2B) · ISIN INE115A01026
What is LIC Housing Finance Limited really worth?
A solid business, trading 44% below our fair value of ₹1,004.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from ₹1,010 to ₹1,004 (−0.6%) since Aug 8, 2026. Share price +9.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (₹753.00). The market is more pessimistic than our downside scenario.
- Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹276.16 – ₹791.64 · fair‑value band ₹753.00 – ₹1,255 · the ₹562.05 price screens below the ₹1,004 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
LIC Housing Finance Limited (LICHSGFIN) currently trades at ₹562.05, while our model-based Fair Value estimate is ₹1,004, implying the stock looks roughly 44.0% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹1,373 per share, and 5 of the 8 models we run sit above the ₹562.05 price. Bear case: the Dividend Discount group reads lowest at ₹172.02, and 3 of the 8 models stay below the price. Evidence for this calculation is high.
Revenue grew 4.4% year over year. It earns a return on equity of 14.4%. Net debt stands at ₹2.6T. The stock trades on a trailing P/E of 5.5. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹753.00 (bear case) to ₹1,255 (bull case); at ₹562.05, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 12% below its 52-week high and 22% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at 79%, LICHSGFIN screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹39.51 per share, which is 3.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 9 models by family
Widest divergence: Earnings-Based (₹1,373) versus Dividend Discount (₹172.02). Highest evidence: Owner Earnings (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 57
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
LIC Housing Finance Limited reported revenue of ₹288B in FY2026 versus ₹198B in FY2022, a compound +9.8%/yr. Reported net income was ₹56.0B in FY2026, compounding +25.1%/yr from FY2022.
of which total revenue +9.5 % · buybacks/dilution −1.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
| Aptus Value Housing Finance India Limited APTUS | ₹258.50 | ₹244.80 | −5% |
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