LIC Housing Finance Limited (LICHSGFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹304B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +2.3% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹460.70 – ₹627.20 · fair‑value band ₹830.55 – ₹1,550 · the ₹553.70 price screens below the ₹1,107 fair value. As of Jul 3, 2026.
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LIC Housing Finance Limited (LICHSGFIN) currently trades at ₹553.70, while our model-based Fair Value estimate is ₹1,107 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 53/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, LIC Housing Finance Limited generated revenue of ₹85.2B at a net margin of 65.8%. Revenue grew 4.4% year over year. It earns a return on equity of 14.4%. Net debt stands at ₹2.6T. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
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. 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 …
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.
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Similar stocks
6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.25 | $32.50 | +100% |
| Rocket Companies, Inc RKT | $13.34 | $3.90 | -71% |
| Federal National Mortgage Association FNMAS | $11.65 | $23.30 | +100% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.14 | ₹52.91 | -37% |
| PennyMac Financial Services, Inc PFSI | $79.81 | $125.45 | +57% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,064 | ₹1,143 | +7% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.