LIC Housing Finance Intrinsic Value
LIC Housing Finance (LICHSGFIN) median intrinsic value is ₹1077.90 from 8 valuation models (range ₹695–₹1617), vs current price ₹538.95 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit LIC Housing Finance stock price NSE.
LICHSGFIN Valuation Methods Summary — DCF, Graham Number & P/E
LIC Housing Finance intrinsic value across 8 models vs current price ₹538.95 — upside/downside and value range per method. Analyse LICHSGFIN shareholding pattern to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1302.24 | ₹1041.79 - ₹1562.69 | +141.6% | EPS: ₹108.52, Sector P/E: 12x |
| Book Value Method | asset | ₹1347.38 | ₹1212.64 - ₹1482.12 | +150.0% | Book Value/Share: ₹3766.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1077.90 | ₹970.11 - ₹1185.69 | +100.0% | Revenue/Share: ₹2623.27, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1077.90 | ₹970.11 - ₹1185.69 | +100.0% | EBITDA: ₹27004.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹694.53 | ₹625.08 - ₹763.98 | +28.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹894.20 | ₹804.78 - ₹983.62 | +65.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1077.90 | ₹970.11 - ₹1185.69 | +100.0% | ROE: 14.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1616.85 | ₹1455.16 - ₹1778.54 | +200.0% | EPS: ₹108.52, BVPS: ₹3766.27 |
LICHSGFIN Intrinsic Value vs Market Price — All Valuation Models
LIC Housing Finance fair value range ₹695–₹1617 vs current market price ₹538.95 across 8 valuation models. Read LICHSGFIN dividend track record for the complete payout history and dividend yield track record.
LICHSGFIN Intrinsic Value Analysis — Undervalued or Overvalued?
LIC Housing Finance median intrinsic value ₹1077.90, current price ₹538.95 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹1077.90 (median value). With the current market price of ₹538.95, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹694.53 to ₹1616.85, indicating ₹694.53 - ₹1616.85.
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%.
LICHSGFIN Financial Health — Key Ratios vs Industry Benchmarks
LIC Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 14.4% | 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 |
LICHSGFIN Cash Flow Quality — Operating & Free Cash Flow
LIC Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 | ₹-11,324 Cr | ₹-11,324 Cr | Negative Cash Flow | 3/10 |