Cash flow LIC Housing Finance Limited

Equities

LICHSGFIN

INE115A01026

Banks

Market Closed - NSE India S.E. Other stock markets 05:19:42 16/07/2025 pm IST			5-day change	1st Jan Change
637.05 ^INR	+2.92%		+5.45%	+6.52%

29/06	LIC Housing Finance Limited Announces Cessation of V. K. Kukreja as an Independent Director on the Board, Effective June 29, 2025	CI
20/06	LIC Housing Finance Limited, Q4 2025 Earnings Call, May 16, 2025

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Published financial data: LIC HOUSING FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	20TCr	20TCr	20TCr	23TCr	27TCr
Interest Expense, Total	15TCr	14TCr	14TCr	16TCr	18TCr
Net Interest Income	4.83TCr	5.26TCr	5.57TCr	6.41TCr	8.68TCr
Commission and Fees	59Cr	99Cr	117.61Cr	67Cr	67Cr
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	67Cr	77Cr	142.48Cr	103.83Cr	143.52Cr
Revenues Before Provison For Loan Losses	4.96TCr	5.44TCr	5.83TCr	6.58TCr	8.89TCr
Provision For Loan Losses	-	-	-	1.94TCr	1.62TCr
Total Revenues	4.96TCr	5.44TCr	5.83TCr	4.65TCr	7.27TCr
Salaries And Other Employee Benefits	327.62Cr	323.78Cr	602.45Cr	516.41Cr	649.63Cr
Cost of Services Provided, Total	106.96Cr	145.18Cr	179.64Cr	250.26Cr	212.05Cr
Depreciation & Amortization - (IS) - (Collected)	50Cr	52Cr	55Cr	69Cr	69Cr
Provision for Bad Debts	36Cr	-	23Cr	-	-
Other Operating Expenses	1.12TCr	1.54TCr	2.21TCr	261.11Cr	274.55Cr
Total Operating Expenses	1.64TCr	2.06TCr	3.07TCr	1.1TCr	1.21TCr
Operating Income	3.32TCr	3.37TCr	2.76TCr	3.55TCr	6.06TCr
Income (Loss) on Equity Invest.	-	-	-	-	-
Currency Exchange Gains (Loss)	-33Cr	-5.31Cr	27Cr	11Cr	-
Other Non Operating Income (Expenses)	-	1L	-	1L	-
EBT, Excl. Unusual Items	3.28TCr	3.37TCr	2.79TCr	3.56TCr	6.06TCr
Gain (Loss) on Sale of Assets	12L	1L	1L	16L	40L
Asset Writedown	-65L	-	-	-	-
EBT, Incl. Unusual Items	3.28TCr	3.37TCr	2.79TCr	3.56TCr	6.06TCr
Income Tax Expense	878.52Cr	624.01Cr	501.25Cr	669.6Cr	1.3TCr
Earnings From Continuing Operations	2.4TCr	2.74TCr	2.29TCr	2.89TCr	4.76TCr
Net Income to Company	2.4TCr	2.74TCr	2.29TCr	2.89TCr	4.76TCr
Minority Interest	-40L	-41L	-35L	-41L	-35L
Net Income - (IS)	2.4TCr	2.74TCr	2.29TCr	2.89TCr	4.76TCr
Net Income to Common Incl Extra Items	2.4TCr	2.74TCr	2.29TCr	2.89TCr	4.76TCr
Net Income to Common Excl. Extra Items	2.4TCr	2.74TCr	2.29TCr	2.89TCr	4.76TCr
Per Share Items
Net EPS - Basic	47.62	54.31	43.11	52.55	86.52
Basic EPS - Continuing Operations	47.62	54.31	43.11	52.55	86.52
Basic Weighted Average Shares Outstanding	50Cr	50Cr	53Cr	55Cr	55Cr
Net EPS - Diluted	47.62	54.31	43.11	52.55	86.52
Diluted EPS - Continuing Operations	47.62	54.31	43.11	52.55	86.52
Diluted Weighted Average Shares Outstanding	50Cr	50Cr	53Cr	55Cr	55Cr
Normalized Basic EPS	40.65	41.67	32.85	40.45	68.89
Normalized Diluted EPS	40.65	41.67	32.85	40.45	68.89
Dividend Per Share	8	8.5	8.5	8.5	9
Payout Ratio	15.96	14.73	20.46	15.98	9.82
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Total Revenues (As Reported)	20TCr	20TCr	20TCr	23TCr	27TCr
Effective Tax Rate - (Ratio)	26.77	18.54	17.98	18.8	21.52
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	838.09Cr	945.85Cr	952.26Cr	1.2TCr	1.05TCr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	40Cr	-321.84Cr	-451.01Cr	-526.34Cr	258.66Cr
Normalized Net Income	2.05TCr	2.1TCr	1.74TCr	2.22TCr	3.79TCr
Non-Cash Pension Expense	18Cr	6.63Cr	36Cr	10Cr	36Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.37TCr	1.33TCr	824.35Cr	641.38Cr	1.42TCr
Long-Term Investments - (FS Template)	1.87TCr	2.46TCr	4.68TCr	4.68TCr	4.66TCr
Trading Asset Securities, Total	3.7TCr	2.19TCr	1.68TCr	2.37TCr	1.68TCr
Loans and Lease Receivables - (FS Template)	2,08000Cr	2,28100Cr	2,45200Cr	2,67800Cr	2,80500Cr
Other Receivables	107.32Cr	121.09Cr	115.37Cr	106.34Cr	165.93Cr
Gross Property Plant And Equipment	359.45Cr	322.87Cr	346.24Cr	411.25Cr	394.58Cr
Accumulated Depreciation	-64Cr	-41Cr	-51Cr	-58Cr	-67Cr
Net Property Plant And Equipment	295.13Cr	282.06Cr	295.7Cr	352.87Cr	327.73Cr
Goodwill	21L	21L	21L	21L	21L
Other Intangibles, Total	2.01Cr	5.94Cr	23Cr	36Cr	32Cr
Other Current Assets, Total	1.07TCr	238.37Cr	463.46Cr	503.7Cr	731.22Cr
Deferred Tax Assets Long-Term (Collected)	526.28Cr	918.69Cr	1.37TCr	1.9TCr	1.64TCr
Other Long-Term Assets, Total	13Cr	83Cr	6L	196.8Cr	145.97Cr
Total Assets	2,16900Cr	2,35700Cr	2,54700Cr	2,78600Cr	2,91300Cr
Liabilities
Interest Bearing Deposits	13TCr	18TCr	18TCr	12TCr	9.94TCr
Deposits	13TCr	18TCr	18TCr	12TCr	9.94TCr
Accounts Payable, Total	31Cr	86Cr	54Cr	34Cr	71Cr
Accrued Expenses, Total	5.6TCr	5.1TCr	4.71TCr	4.81TCr	5.37TCr
Short-Term Borrowings	17TCr	16TCr	19TCr	22TCr	17TCr
Current Portion of Long-Term Debt	43TCr	46TCr	46TCr	56TCr	61TCr
Current Portion of Leases	34Cr	36Cr	40Cr	50Cr	5.48Cr
Long-Term Debt	1,19600Cr	1,28900Cr	1,40300Cr	1,55800Cr	1,65800Cr
Long-Term Leases	99Cr	92Cr	110.09Cr	133.71Cr	165.27Cr
Current Income Taxes Payable	-	7.76Cr	-	3.87Cr	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	7.85Cr	82Cr	59Cr	360.35Cr	242.51Cr
Pension & Other Post Retirement Benefits	148.2Cr	142.28Cr	170.4Cr	176.97Cr	238.19Cr
Deferred Tax Liability Non-Current	-	9L	12L	12L	-
Other Non Current Liabilities	641.88Cr	231.89Cr	236.54Cr	385.2Cr	797.6Cr
Total Liabilities	1,98700Cr	2,15100Cr	2,29900Cr	2,51400Cr	2,59900Cr
Common Stock, Total	100.93Cr	100.93Cr	110.02Cr	110.02Cr	110.02Cr
Additional Paid In Capital	1.72TCr	1.72TCr	4.05TCr	4.05TCr	4.05TCr
Retained Earnings	16TCr	19TCr	20TCr	23TCr	27TCr
Comprehensive Income and Other	28Cr	225.72Cr	313.52Cr	318.5Cr	315.09Cr
Total Common Equity	18TCr	21TCr	25TCr	27TCr	31TCr
Minority Interest	2.44Cr	2.71Cr	2.92Cr	3.19Cr	3.4Cr
Total Equity	18TCr	21TCr	25TCr	27TCr	31TCr
Total Liabilities And Equity	2,16900Cr	2,35700Cr	2,54700Cr	2,78600Cr	2,91300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	50Cr	50Cr	55Cr	55Cr	55Cr
ECS Total Common Shares Outstanding	50Cr	50Cr	55Cr	55Cr	55Cr
Book Value / Share	361.92	408.22	449.96	494.21	572.24
Tangible Book Value	18TCr	21TCr	25TCr	27TCr	31TCr
Tangible Book Value Per Share	361.88	408.1	449.54	493.55	571.65
Total Debt	1,79600Cr	1,91000Cr	2,06300Cr	2,34000Cr	2,43200Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	81Cr	87Cr	105.26Cr	100.59Cr	135.38Cr
Net Debt	1,74500Cr	1,87500Cr	2,03800Cr	2,30900Cr	2,40100Cr
Equity Method Investments, Total	53Cr	55Cr	56Cr	56Cr	81Cr
Full Time Employees	2.39T	2.43T	2.47T	2.35T	2.35T

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	2.4TCr	2.74TCr	2.29TCr	2.89TCr	4.76TCr
Depreciation, Depletion & Amortization	49Cr	52Cr	53Cr	63Cr	60Cr
Total Depreciation, Depletion & Amortization	49Cr	52Cr	53Cr	63Cr	60Cr
Amortization of Deferred Charges, Total	1.2Cr	66L	3.65Cr	5.65Cr	8.87Cr
Minority Interest in Earnings - (CF)	-40L	-41L	-35L	-41L	-35L
(Gain) Loss On Sale of Asset - (CF)	-13L	-126.2Cr	19Cr	-16L	4L
(Gain) Loss on Sale of Investments - (CF)	-83L	30Cr	49Cr	-539.66Cr	21Cr
Total Asset Writedown	65L	-	-	-	-
Provision for Credit Losses	952.91Cr	1.29TCr	1.94TCr	1.94TCr	1.62TCr
(Income) Loss On Equity Investments - (CF)	-	2.06Cr	69L	24L	3.76Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	-15TCr	-22TCr	-19TCr	-24TCr	-15TCr
Change in Other Net Operating Assets (Collected)	-6.31TCr	891.39Cr	-794.27Cr	223.21Cr	176.83Cr
Other Operating Activities	3.45TCr	5.42TCr	-1.17TCr	-421.04Cr	817.72Cr
Cash from Operations	-15TCr	-11TCr	-17TCr	-20TCr	-7.15TCr
Capital Expenditure	-15Cr	-11Cr	-35Cr	-64Cr	-37Cr
Sale of Property, Plant, and Equipment	17L	1L	2L	24Cr	80L
Divestitures	40L	43L	49L	27L	35L
Investment in Marketable and Equity Securities, Total	-1.84TCr	868.62Cr	-1.6TCr	-759.4Cr	623.16Cr
Other Investing Activities, Total	30L	-	5.47Cr	43L	-
Cash from Investing	-1.85TCr	858.23Cr	-1.63TCr	-799.24Cr	586.86Cr
Long-Term Debt Issued, Total	1,69300Cr	1,20400Cr	1,52300Cr	1,82200Cr	1,46400Cr
Total Debt Issued	1,69300Cr	1,20400Cr	1,52300Cr	1,82200Cr	1,46400Cr
Long-Term Debt Repaid, Total	-1,53600Cr	-1,09600Cr	-1,36300Cr	-1,54600Cr	-1,37000Cr
Total Debt Repaid	-1,53600Cr	-1,09600Cr	-1,36300Cr	-1,54600Cr	-1,37000Cr
Issuance of Common Stock	-	-	2.33TCr	-	-
Common Dividends Paid	-383.55Cr	-403.73Cr	-467.55Cr	-462.06Cr	-467.55Cr
Common & Preferred Stock Dividends Paid	-383.55Cr	-403.73Cr	-467.55Cr	-462.06Cr	-467.55Cr
Other Financing Activities, Total	-80Cr	-1.22Cr	-41Cr	-6.82TCr	-1.6TCr
Cash from Financing	15TCr	10TCr	18TCr	20TCr	7.35TCr
Foreign Exchange Rate Adjustments	-	-1L	-31L	1L	-1L
Miscellaneous Cash Flow Adjustments	-	1L	-	-	-
Net Change in Cash	-1.43TCr	-37Cr	-507.52Cr	-182.97Cr	781.44Cr
Supplemental Items
Cash Interest Paid	15TCr	15TCr	15TCr	16TCr	18TCr
Cash Income Tax Paid (Refund)	1.1TCr	632.79Cr	1.09TCr	1.05TCr	1.48TCr
Net Debt Issued / Repaid	16TCr	11TCr	16TCr	28TCr	9.41TCr

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.15	1.21	0.93	1.08	1.67
Return On Equity %	13.89	14.1	10.08	11.13	16.23
Return on Common Equity	13.89	14.1	10.08	11.13	16.23
Margin Analysis
Gross Profit Margin %	98.75	98.12	97.4	95.56	97.55
SG&A Margin	7.51	6.75	10.82	12.06	9.4
Income From Continuing Operations Margin %	48.47	50.43	39.23	62.23	65.47
Net Income Margin %	48.47	50.43	39.23	62.22	65.47
Net Avail. For Common Margin %	48.47	50.43	39.23	62.22	65.47
Normalized Net Income Margin	41.37	38.69	29.89	47.89	52.13
Asset Turnover
Asset Turnover	0.02	0.02	0.02	0.02	0.03
Short Term Liquidity
Current Ratio	2.74	2.71	2.79	2.86	3.07
Quick Ratio	2.73	2.7	2.78	2.86	3.06
Operating Cash Flow to Current Liabilities	-0.19	-0.13	-0.19	-0.21	-0.08
Long Term Solvency
Total Debt/Equity	982.96	926.92	833.32	860.53	772.54
Total Debt / Total Capital	90.77	90.26	89.29	89.59	88.54
LT Debt/Equity	655.21	626.03	567.31	573.64	527.29
Long-Term Debt / Total Capital	60.5	60.96	60.78	59.72	60.43
Total Liabilities / Total Assets	91.58	91.26	90.28	90.24	89.19
Tier 1 Capital Ratio %	12.19	13.87	16.23	16.56	19.19
Total Capital Ratio %	13.89	15.28	18.08	18.23	20.78
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	10.01	9.61	7.21	20.24	56.46
Gross Profit, 1 Yr. Growth %	9.14	8.91	6.42	18.94	59.72
Earnings From Cont. Operations, 1 Yr. Growth %	-1.26	14.04	-16.6	26.47	64.62
Net Income, 1 Yr. Growth %	-1.26	14.04	-16.6	26.47	64.63
Normalized Net Income, 1 Yr. Growth %	-3.21	2.51	-17.17	27.75	70.32
Diluted EPS Before Extra, 1 Yr. Growth %	-1.26	14.04	-20.62	21.9	64.63
Common Equity, 1 Yr. Growth %	11.84	12.79	20.14	9.83	15.79
Total Assets, 1 Yr. Growth %	8.08	8.67	8.05	9.37	4.59
Tangible Book Value, 1 Yr. Growth %	11.85	12.77	20.06	9.79	15.83
Cash From Operations, 1 Yr. Growth %	-31.58	-23.17	-2.4	17.35	-63.57
Capital Expenditures, 1 Yr. Growth %	-70.94	-26.43	226.04	81.53	-41.58
Dividend Per Share, 1 Yr. Growth %	5.26	6.25	0	0	5.88
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	15.26	9.81	8.4	-7.54	37.16
Gross Profit, 2 Yr. CAGR %	15.16	9.03	7.66	-8.76	37.83
Earnings From Cont. Operations, 2 Yr. CAGR %	9.41	6.11	-2.48	2.7	44.29
Net Income, 2 Yr. CAGR %	9.4	6.11	-2.48	2.7	44.3
Normalized Net Income, 2 Yr. CAGR %	8.62	-0.39	-7.86	2.86	47.51
Diluted EPS Before Extra, 2 Yr. CAGR %	9.4	6.11	-4.85	-1.63	41.66
Common Equity, 2 Yr. CAGR %	12.97	12.32	16.41	14.87	12.77
Total Assets, 2 Yr. CAGR %	12.55	8.37	8.36	8.71	6.95
Tangible Book Value, 2 Yr. CAGR %	12.98	12.31	16.36	14.81	12.77
Cash From Operations, 2 Yr. CAGR %	-11.87	-27.49	6.54	7.02	-34.62
Capital Expenditures, 2 Yr. CAGR %	-35.09	-53.76	54.88	143.28	2.99
Dividend Per Share, 2 Yr. CAGR %	8.47	5.76	3.08	0	2.9
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	10.86	13.34	8.94	-2.15	10.18
Gross Profit, 3 Yr. CAGR %	13.31	13.04	8.15	-3.21	9.96
Earnings From Cont. Operations, 3 Yr. CAGR %	7.36	10.93	-2.07	6.35	20.19
Net Income, 3 Yr. CAGR %	7.36	10.93	-2.07	6.35	20.2
Normalized Net Income, 3 Yr. CAGR %	3.34	6.55	-6.33	2.75	21.69
Diluted EPS Before Extra, 3 Yr. CAGR %	7.36	10.93	-3.67	3.34	16.79
Common Equity, 3 Yr. CAGR %	17.86	12.91	14.87	14.17	15.18
Total Assets, 3 Yr. CAGR %	12.83	11.24	8.26	8.69	7.32
Tangible Book Value, 3 Yr. CAGR %	17.87	12.91	14.84	14.13	15.15
Cash From Operations, 3 Yr. CAGR %	1.07	-15.81	-8.08	10.03	-25.28
Capital Expenditures, 3 Yr. CAGR %	0.52	-32.32	-11.34	63.3	51.22
Dividend Per Share, 3 Yr. CAGR %	8.87	7.72	3.8	2.04	1.92
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	14.36	12.01	9.87	4.48	10.03
Gross Profit, 5 Yr. CAGR %	15.91	13.49	11.02	3.76	9.59
Earnings From Cont. Operations, 5 Yr. CAGR %	11.48	10.45	3.31	7.56	14.35
Net Income, 5 Yr. CAGR %	11.48	10.45	3.31	7.56	14.35
Normalized Net Income, 5 Yr. CAGR %	9.16	5.49	-1.29	5.06	12.33
Diluted EPS Before Extra, 5 Yr. CAGR %	11.48	10.45	2.3	5.72	12.4
Common Equity, 5 Yr. CAGR %	18.31	17.46	17.28	13.69	14.02
Total Assets, 5 Yr. CAGR %	14.01	12.54	11.02	10.22	7.74
Tangible Book Value, 5 Yr. CAGR %	18.32	17.46	17.26	13.67	14
Cash From Operations, 5 Yr. CAGR %	0.54	-2.78	3.23	0.68	-19.79
Capital Expenditures, 5 Yr. CAGR %	-4.48	-13.42	19.49	12.9	-5.86
Dividend Per Share, 5 Yr. CAGR %	9.86	9.1	6.51	4.56	3.44