LIC Housing Finance Intrinsic Value
LICHSGFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1177.44 | ₹941.95 - ₹1412.93 | +123.0% | EPS: ₹98.12, Sector P/E: 12x |
| Book Value Method | asset | ₹1319.75 | ₹1187.78 - ₹1451.73 | +150.0% | Book Value/Share: ₹3305.09, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1055.80 | ₹950.22 - ₹1161.38 | +100.0% | Revenue/Share: ₹2610.91, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1055.80 | ₹950.22 - ₹1161.38 | +100.0% | EBITDA: ₹26916.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹627.97 | ₹565.17 - ₹690.77 | +19.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹808.51 | ₹727.66 - ₹889.36 | +53.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1055.80 | ₹950.22 - ₹1161.38 | +100.0% | ROE: 14.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1583.70 | ₹1425.33 - ₹1742.07 | +200.0% | EPS: ₹98.12, BVPS: ₹3305.09 |
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Valuation Comparison Chart
LICHSGFIN Intrinsic Value Analysis
What is the intrinsic value of LICHSGFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of LIC Housing Finance (LICHSGFIN) is ₹1055.80 (median value). With the current market price of ₹527.90, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹627.97 to ₹1583.70, indicating ₹627.97 - ₹1583.70.
Is LICHSGFIN undervalued or overvalued?
Based on our multi-method analysis, LIC Housing Finance (LICHSGFIN) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.01 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 8.64 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 14.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 94.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for LIC Housing Finance
Additional stock information and data for LICHSGFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-16,609 Cr | ₹-17,079 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-7,151 Cr | ₹-7,151 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-19,632 Cr | ₹-20,032 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-16,729 Cr | ₹-17,544 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-17,140 Cr | ₹-17,140 Cr | Negative Cash Flow | 3/10 |