LICHSGFIN

LIC Housing Finance – Latest Updates

Quarterly Results (Q1 FY26) Net profit came in around ₹1,360 crore, up about 4–5% year-on-year. Total income rose by nearly 7%. Net interest income grew, but margins were under slight pressure as lending rates fell faster than borrowing costs. Loan disbursement growth slowed to just about 2%, showing weaker demand momentum. Full Year Performance (FY25) Assets crossed ₹3.1 lakh crore, showing steady growth. Return on equity stood near 15%, reflecting healthy profitability. The company still carries high leverage with a debt-to-equity ratio above 7x. Stock Price Action The stock is currently trading around the ₹585–₹590 zone. It has a 52-week high of about ₹690 and a low near ₹480. Valuations remain low, with a P/E ratio around 6, making it cheaper than many peers. Recent Developments The company issued mortgage-backed securities worth about ₹1,000 crore to diversify funding sources. Asset quality has been improving, with fewer bad loans compared to earlier years. Market analysts are divided — some see upside potential toward ₹700+, while others are cautious, citing slow loan growth and high leverage. ⚠️ Key Things to Watch Loan disbursement growth — whether it picks up again. Margin pressure — how fast borrowing costs adjust compared to lending rates. Leverage — managing high debt levels sustainably. Regulatory and interest rate trends — could impact both borrowing costs and loan demand.