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Insights for LIC Housing Finance Ltd
National Stock Exchange: LICHSGFIN
05 - Growing & Profitable but Heavily Leveraged
Sector: Misc
Industry: Misc
Based on PEG Ratio: Unknown
Today's Price
updated on: 		574.7 (0.27%)
Open 576.1 (-0.24%)
High (Upside %) 577.0 (0.4%)
Low (Downside %) 571.35 (0.59%)
P. Close 573.15 (0.27%)
Open-High % 0.16%
Open-Low % 0.82%
Low-High % 0.99%
Active Buy Quantity 251312
Active Sell Quantity 238530
% Overtraded 5.36%
Current Mood bullish
Previous Data
data from:
Open-High % 0.09%
Open-Low % 0.52%
Low-High % 0.61%
Open-Close % -0.32%
Low-Close % 0.2%
High-Close % 0.41%

LICHSGFIN is a Stock listed in the India on the National Stock Exchange under the ticker 'LICHSGFIN'

Company Summary

Business Units or Product Lines

LIC Housing Finance Ltd primarily operates in providing long-term finance to individuals for the purchase or construction of residential properties. It also offers loans for the renovation or repair of existing properties and finances builders and developers engaged in the construction of residential and commercial properties. Additionally, the company has ventured into insurance distribution with tie-ups for offering life, health, and general insurance products.

Business Models for Each Product Line

The company's primary revenue comes from the interest earned on loans and advances provided to customers. It charges interest on these housing and property loans as well as fees and charges related to the loan processing and administrative activities. Major expenses include the cost of borrowings, which involves the interest paid on funds raised from financial institutions and capital markets, and operating expenses such as employee salary, rent, and administrative costs. For insurance distribution, it earns commission income.

Future Opportunities for Growth

LIC Housing Finance Ltd could leverage the growing demand for housing finance in urban and semi-urban areas due to increasing urbanization and a young demographic. The government's focus on affordable housing can also open new avenues for growth. Further expansion in the insurance distribution segment can enhance revenue diversity. Digital transformation efforts, including the adoption of technology for customer service and loan processing, present opportunities for increased efficiencies and market reach.

Potential Major Risks

Key risks include exposure to interest rate fluctuations, which can impact borrowing costs and profitability. Economic downturns or slowdowns could lead to higher non-performing assets (NPAs). Regulatory changes in the housing finance sector might also affect operations. Additionally, competition from banks and other housing finance companies poses a threat to market share. Any setbacks in the real estate market, where a significant portion of its lending is concentrated, can impact business performance.

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Also read: https://finance.yahoo.com/LICHSGFIN.NS/profile

Predicted Prices
Key Low (open) Low (high) Close-Down (open) Close-Down (high) Close-Up (open) Close-Up (low) High (open) High (low)
Low Volatility 574.11
47.48% hit 		573.49
0.0% hit 		574.27
19.68% hit 		575.77
50.37% hit 		578.5
14.57% hit 		572.5
53.32% hit 		577.48
45.8% hit 		574.85
55.81% hit
Average Volatility 568.54
30.76% hit 		565.55
0.0% hit 		569.53
15.92% hit 		570.84
35.26% hit 		582.52
14.17% hit 		577.03
32.84% hit 		581.41
30.42% hit 		582.92
33.51% hit
High Volatility 556.79
4.3% hit 		555.69
0.0% hit 		560.91
4.3% hit 		559.43
3.96% hit 		589.96
3.56% hit 		588.52
3.83% hit 		592.98
3.49% hit 		593.26
3.76% hit

LICHSGFIN's predicted prices using open from of 576.1 and data until date . Current Price is 574.7

Basic Stats
Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Enterprise Value-Actual Trailing P/E Forward P/E Price/Sales Price/Book Profit Margin Operating Margin Revenue-Display Revenue-Actual Revenue Quarterly Revenue Growth EBITDA-Display Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Debt-Display Total Debt-Actual Total Debt/Equity Operating Cash Flow-Display Operating Cash Flow-Actual Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
32118.18 Cr 321181777920.0 32118.18 nan Cr 2944477954048.0 5.9 9.16 3.8 0.88 65.07% 86.07% 8452.51 Cr 84525096960.0 8452.51 15.7% nan Cr 98.94 4.4% nan Cr 14744299520.0 nan Cr 2625382907904.0 7.2214 nan Cr -166091702272.0 nan Cr 2.34% 76.0%

source:https://finance.yahoo.com/LICHSGFIN.NS/key-statistics

Reading Information

source:https://finance.yahoo.com/LICHSGFIN.NS/key-statistics

source:https://www.google.com/finance/quote/LICHSGFIN:NSE

source:https://finance.yahoo.com/LICHSGFIN.NS/analysis

source:https://finance.yahoo.com/LICHSGFIN.NS/fair-value

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 9.58% 1.23% (581.75) 12.49% (646.5) 12.49% (646.5) 12.49% (646.5) 27.99% (735.55) 43.86% (826.75) 43.86% (826.75)
Downside % (low) 5.14% 1.07% (568.55) 2.49% (560.4) 2.49% (560.4) 15.83% (483.7) 15.83% (483.7) 46.65% (306.6) 69.24% (176.75)
Spread % 4.44% 0.16% 10.01% 10.01% -3.34% 12.15% -2.79% -25.39%

LICHSGFIN's price used for computing the stats is 574.7 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose 0.27% -0.85% -3.94% -4.95% -4.46% -1.65% -10.2% 59.13% 49.33%
Last Price 574.7 574.7 574.7 574.7 574.7 574.7 574.7 574.7 574.7
Trend-Previous Close 573.15 579.65 598.25 604.65 601.5 584.35 640 361.15 384.85

LICHSGFIN's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall -1.91% 579.76 -2.36% 577.08 1.3% 568.24 591.28
Up 0.93% 596.57 0.17% 592.05 1.56% 582.77 610.38
Down -2.84% 574.27 -3.36% 571.22 1.74% 558.84 589.71
5D Opportunity:
returns: -2.77% (-5.45%), p.close: 591.05
entry: 558.84, exit: 568.24, min.ret: 1.68%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -2.84% 574.24 -2.97% 573.49 2.05% 556.1 592.38
Up 0.6% 594.61 0.0% 591.05 1.17% 584.26 604.95
Down -3.79% 568.66 -4.06% 567.05 1.66% 553.98 583.33
5D Opportunity:
returns: -2.77% (-6.27%), p.close: 591.05
entry: 553.98, exit: 556.1, min.ret: 0.38%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.13% 584.4 -1.83% 580.21 3.38% 554.43 614.37
Up 1.51% 599.96 0.08% 591.55 2.15% 580.89 619.04
Down -2.5% 576.26 -3.04% 573.06 2.11% 557.58 594.94
5D Opportunity: BUY-APPROACHING
returns: -2.77% (-5.66%), p.close: 591.05
entry: 557.58, exit: 554.43, min.ret: -0.56%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.12% 590.33 -0.15% 590.15 3.17% 562.19 618.46
Up 1.82% 601.81 1.04% 597.21 2.17% 582.58 621.03
Down -1.97% 579.42 -1.33% 583.19 1.91% 562.52 596.32
5D Opportunity: BUY-APPROACHING
returns: -2.77% (-4.83%), p.close: 591.05
entry: 562.52, exit: 562.19, min.ret: -0.06%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.1% 591.63 -0.25% 589.57 3.93% 556.8 626.46
Up 2.25% 604.37 1.27% 598.55 2.61% 581.23 627.51
Down -2.33% 577.28 -2.2% 578.04 2.15% 558.2 596.35
5D Opportunity: BUY-APPROACHING
returns: -2.77% (-5.56%), p.close: 591.05
entry: 558.2, exit: 556.8, min.ret: -0.25%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.29% 589.33 -0.23% 589.72 4.0% 553.85 624.82
Up 2.07% 603.28 1.41% 599.36 2.31% 582.84 623.73
Down -2.44% 576.62 -1.74% 580.78 2.63% 553.28 599.96
5D Opportunity: BUY-APPROACHING
returns: -2.77% (-6.39%), p.close: 591.05
entry: 553.28, exit: 553.85, min.ret: 0.1%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall -6.15% 553.98 -6.26% 553.35 2.02% 536.11 571.84
Up 0.46% 593.04 0.0% 590.3 1.02% 584.01 602.07
Down -7.07% 548.58 -7.67% 544.99 1.84% 532.27 564.88
2W Opportunity:
returns: -2.64% (-9.83%), p.close: 590.3
entry: 532.27, exit: 536.11, min.ret: 0.72%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -2.02% 578.35 -2.32% 576.6 4.44% 539.08 617.63
Up 2.41% 604.51 1.3% 597.97 2.43% 583.01 626.02
Down -3.73% 568.29 -2.56% 575.22 3.41% 538.13 598.45
2W Opportunity:
returns: -2.64% (-8.84%), p.close: 590.3
entry: 538.13, exit: 539.08, min.ret: 0.18%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.3% 588.5 0.44% 592.92 3.48% 557.66 619.35
Up 2.84% 607.07 3.05% 608.3 2.21% 587.46 626.68
Down -2.94% 572.94 -2.4% 576.12 2.68% 549.17 596.71
2W Opportunity:
returns: -2.64% (-6.97%), p.close: 590.3
entry: 549.17, exit: 557.66, min.ret: 1.55%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.3% 592.05 0.47% 593.07 4.77% 549.78 634.31
Up 3.58% 611.46 3.19% 609.16 3.11% 583.93 638.99
Down -3.37% 570.41 -3.13% 571.84 2.85% 545.2 595.61
2W Opportunity:
returns: -2.64% (-7.64%), p.close: 590.3
entry: 545.2, exit: 549.78, min.ret: 0.84%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.78% 585.69 -0.21% 589.09 5.34% 538.44 632.95
Up 3.11% 608.64 2.83% 606.99 2.81% 583.78 633.49
Down -3.98% 566.79 -3.23% 571.24 3.86% 532.62 600.97
2W Opportunity:
returns: -2.64% (-9.77%), p.close: 590.3
entry: 532.62, exit: 538.44, min.ret: 1.09%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall -0.77% 600.87 -2.43% 590.79 4.54% 559.59 642.14
Up 4.97% 635.59 4.89% 635.1 1.94% 617.97 653.21
Down -3.89% 581.92 -4.03% 581.1 2.28% 561.17 602.67
1M Opportunity: BUY-APPROACHING
returns: -5.09% (-7.32%), p.close: 605.5
entry: 561.17, exit: 559.59, min.ret: -0.28%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.73% 609.91 0.25% 607.03 4.3% 570.9 648.92
Up 4.61% 633.41 4.27% 631.33 2.75% 608.44 658.37
Down -3.57% 583.89 -3.61% 583.62 2.03% 565.48 602.29
1M Opportunity: BUY-APPROACHING
returns: -5.09% (-6.61%), p.close: 605.5
entry: 565.48, exit: 570.9, min.ret: 0.96%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.98% 611.46 0.3% 607.3 6.41% 553.24 669.68
Up 5.63% 639.62 4.8% 634.58 4.03% 603.06 676.18
Down -5.06% 574.84 -4.54% 577.99 3.79% 540.45 609.23
1M Opportunity: BUY-APPROACHING
returns: -5.09% (-10.74%), p.close: 605.5
entry: 540.45, exit: 553.24, min.ret: 2.37%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.79% 594.67 -1.65% 595.51 7.26% 528.75 660.6
Up 4.53% 632.95 3.83% 628.71 3.78% 598.66 667.24
Down -6.68% 565.04 -5.28% 573.55 5.26% 517.28 612.8
1M Opportunity:
returns: -5.09% (-14.57%), p.close: 605.5
entry: 517.28, exit: 528.75, min.ret: 2.22%
Using: 1M trend, 0 Days Left

LICHSGFIN's symbol current price is 574.7 (0.07%) as on . Yesterday's close was 574.3. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 23.2% 0% 36.36% 37.88% 46.97% 47.22% 47.35%
Open-Low (> 1.0%) 68.26% 80.0% 63.64% 57.58% 56.06% 57.94% 55.82%
Open-Close-Up (> 0.5%) 16.23% 0% 22.73% 30.3% 34.85% 31.35% 33.2%
Open-Close-Down (> 0.5%) 50.1% 60.0% 50.0% 36.36% 37.88% 38.89% 38.23%
Low-Close-Up (> 1.0%) 35.06% 20.0% 45.45% 42.42% 49.24% 49.21% 50.0%
High-Close-Down (> 1.0%) 43.24% 40.0% 45.45% 42.42% 48.48% 54.37% 53.04%

LICHSGFIN's symbol win percent is computed basis data from date

Associated Tags