LIC Housing Finance Limited (LICHSGFIN.NS) stock analysis

In our weekly check, LIC Housing Finance Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 20 pass, warnings: 0, red flags: 5.

About LIC Housing Finance Limited

LIC Housing Finance Limited is a Financial Services company (Financial - Mortgages) based in India, listed on NSE as LICHSGFIN.NS.

What our checks show for LICHSGFIN.NS

Red flags

• Analysts expect revenue to shrink about 31.1% a year.
• The stock has fallen as much as 75% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.1 years.
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.

Strengths

• The net margin rose by 8.5 points over 5 years, to 20.1%.
• The gross margin is 30.3% and has risen by 1.7 points: pricing power is holding.
• Analysts expect the net margin to improve by 39.4 points from today's 20.1%.
• Earnings per share grew 25.7% a year over the last 3 years.
• Net profit grew 25.7% a year over the last 3 years.
• The company keeps 20.1% of its revenue as net profit.

Next earnings report: 2027-01-29

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Questions

What grade does LIC Housing Finance Limited (LICHSGFIN.NS) have?

In our weekly check, LIC Housing Finance Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 20 pass, warnings: 0, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of LICHSGFIN.NS stock?

This week's biggest flags for LIC Housing Finance Limited: Weak revenue forecast, Deep past fall, Slow recovery after falls. In total 5 of 25 checks show a warning or a red flag.

What does LIC Housing Finance Limited do?

LIC Housing Finance Limited is a Financial Services company (Financial - Mortgages) based in India, listed on NSE as LICHSGFIN.NS.

When does LIC Housing Finance Limited report earnings next?

The next earnings report is expected on 2027-01-29. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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