ScoreWhy is LIC Housing Finance Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 7.35% and Operating profit at 7.64%
2
Positive results in Dec 24
- DEBT-EQUITY RATIO(HY) Lowest at 7.67 times
- PBDIT(Q) Highest at Rs 6,773.12 cr.
- NET SALES(Q) Highest at Rs 7,069.99 cr
3
Stock is technically in a Mildly Bearish range
- The stocks Bollinger Band and KST technical factors are also Bearish
4
With ROE of 14.5, it has a Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -12.81%, its profits have risen by 5.8% ; the PEG ratio of the company is 1
5
High Institutional Holdings at 42.68%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -1.03% in the last 1 year, its fall in the stock was much higher with a return of -12.81%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to LIC Housing Fin. should be less than 10%
- Overall Portfolio exposure to Finance - Housing should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance - Housing)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is LIC Housing Fin. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
LIC Housing Fin.
-13.67%
-0.36
35.81%
SENSEX
0.45%
0.03
14.48%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
12
Price to Book Value
0.91
EV to EBIT
11.14
EV to EBITDA
11.10
EV to Capital Employed
0.99
EV to Sales
10.35
PEG Ratio
1.04
Dividend Yield
1.61%
ROCE (Latest)
8.67%
ROE (Latest)
14.53%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
DEBT-EQUITY RATIO(HY)
Lowest at 7.67 times
PBDIT(Q)
Highest at Rs 6,773.12 cr.
NET SALES(Q)
Highest at Rs 7,069.99 cr
OPERATING PROFIT TO NET SALES(Q)
Highest at 95.80%
PBT LESS OI(Q)
At Rs 1,798.31 cr has Grown at 23.65 %
PAT(Q)
Highest at Rs 1,434.84 cr.
EPS(Q)
Highest at Rs 26.07
-2What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for LIC Housing Fin.
Operating Profit (PBDIT) - Quarterly
Highest at Rs 6,773.12 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,798.31 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Debt-Equity Ratio - Half Yearly
Lowest at 7.67 times and Fallen
each half year in the last five half yearly periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Net Sales - Quarterly
Highest at Rs 7,069.99 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 95.80%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,798.31 cr has Grown at 23.65 %
Year on Year (YoY)MOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,434.84 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,434.84 cr has Grown at 22.7 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 26.07
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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