LIC Housing Finance Limited
LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. The company offers public, green, and corporate deposits; home loans to residents and non-residents Indians, as well as to pensioners; plot loans, home improvement and renovation, construction, and home extension loans; refinance; construction… Read more
LIC Housing Finance Limited (LICHSGFIN) - Net Assets
Latest net assets as of September 2025: ₹385.20 Billion INR
Based on the latest financial reports, LIC Housing Finance Limited (LICHSGFIN) has net assets worth ₹385.20 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹3.19 Trillion) and total liabilities (₹2.81 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹385.20 Billion |
| % of Total Assets | 12.07% |
| Annual Growth Rate | 18.54% |
| 5-Year Change | 76.45% |
| 10-Year Change | 294.47% |
| Growth Volatility | 10.08 |
LIC Housing Finance Limited - Net Assets Trend (2005–2025)
This chart illustrates how LIC Housing Finance Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for LIC Housing Finance Limited (2005–2025)
The table below shows the annual net assets of LIC Housing Finance Limited from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹363.56 Billion | +15.49% |
| 2024-03-31 | ₹314.80 Billion | +15.79% |
| 2023-03-31 | ₹271.88 Billion | +9.83% |
| 2022-03-31 | ₹247.54 Billion | +20.14% |
| 2021-03-31 | ₹206.04 Billion | +12.79% |
| 2020-03-31 | ₹182.67 Billion | +11.84% |
| 2019-03-31 | ₹163.33 Billion | +27.65% |
| 2018-03-31 | ₹127.95 Billion | +14.68% |
| 2017-03-31 | ₹111.57 Billion | +21.06% |
| 2016-03-31 | ₹92.16 Billion | +16.93% |
| 2015-03-31 | ₹78.82 Billion | +3.88% |
| 2014-03-31 | ₹75.87 Billion | +16.11% |
| 2013-03-31 | ₹65.34 Billion | +14.43% |
| 2012-03-31 | ₹57.10 Billion | +36.23% |
| 2011-03-31 | ₹41.92 Billion | +21.75% |
| 2010-03-31 | ₹34.43 Billion | +52.16% |
| 2009-03-31 | ₹22.63 Billion | +22.02% |
| 2008-03-31 | ₹18.54 Billion | +18.70% |
| 2007-03-31 | ₹15.62 Billion | +14.75% |
| 2006-03-31 | ₹13.61 Billion | +12.47% |
| 2005-03-31 | ₹12.11 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to LIC Housing Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 55682.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹100.70 Billion | 27.70% |
| Common Stock | ₹1.10 Billion | 0.30% |
| Other Comprehensive Income | ₹221.24 Billion | 60.86% |
| Other Components | ₹40.48 Billion | 11.13% |
| Total Equity | ₹363.52 Billion | 100.00% |
LIC Housing Finance Limited Competitors by Market Cap
The table below lists competitors of LIC Housing Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wuxi Autowell Technology Co Ltd
SHG:688516
|
$1.73 Billion |
|
CCC S.A.
WAR:CCC
|
$1.73 Billion |
|
KINGSOFT C.H.LTD. DL-001
F:KS70
|
$1.73 Billion |
|
Anhui Jingcheng Copper Share Co Ltd
SHE:002171
|
$1.73 Billion |
|
JL MAG RARE-EARTH H YC1
F:3KLA
|
$1.73 Billion |
|
Genus plc
PINK:GENSY
|
$1.73 Billion |
|
OXFYY
PINK:OXFYY
|
$1.73 Billion |
|
Permanent TSB Group Holdings PLC
LSE:PTSB
|
$1.72 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in LIC Housing Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 314,766,600,000 to 363,517,900,000, a change of 48,751,300,000 (15.5%).
- Net income of 54,422,300,000 contributed positively to equity growth.
- Dividend payments of 4,950,600,000 reduced retained earnings.
- Other comprehensive income increased equity by 22,171,400,000.
- Other factors decreased equity by 22,891,800,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹54.42 Billion | +14.97% |
| Dividends Paid | ₹4.95 Billion | -1.36% |
| Other Comprehensive Income | ₹22.17 Billion | +6.1% |
| Other Changes | ₹-22.89 Billion | -6.3% |
| Total Change | ₹- | 15.49% |
Book Value vs Market Value Analysis
This analysis compares LIC Housing Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.75x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 16.60x to 0.75x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | ₹30.05 | ₹498.90 | x |
| 2006-03-31 | ₹32.06 | ₹498.90 | x |
| 2007-03-31 | ₹36.79 | ₹498.90 | x |
| 2008-03-31 | ₹43.67 | ₹498.90 | x |
| 2009-03-31 | ₹53.28 | ₹498.90 | x |
| 2010-03-31 | ₹76.39 | ₹498.90 | x |
| 2011-03-31 | ₹88.31 | ₹498.90 | x |
| 2012-03-31 | ₹119.91 | ₹498.90 | x |
| 2013-03-31 | ₹129.46 | ₹498.90 | x |
| 2014-03-31 | ₹150.32 | ₹498.90 | x |
| 2015-03-31 | ₹156.14 | ₹498.90 | x |
| 2016-03-31 | ₹182.59 | ₹498.90 | x |
| 2017-03-31 | ₹221.06 | ₹498.90 | x |
| 2018-03-31 | ₹253.50 | ₹498.90 | x |
| 2019-03-31 | ₹323.60 | ₹498.90 | x |
| 2020-03-31 | ₹361.92 | ₹498.90 | x |
| 2021-03-31 | ₹408.22 | ₹498.90 | x |
| 2022-03-31 | ₹466.85 | ₹498.90 | x |
| 2023-03-31 | ₹494.21 | ₹498.90 | x |
| 2024-03-31 | ₹572.24 | ₹498.90 | x |
| 2025-03-31 | ₹660.94 | ₹498.90 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently LIC Housing Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.97%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.63%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 8.64x
- Recent ROE (14.97%) is below the historical average (16.32%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 12.08% | 14.29% | 0.08x | 10.54x | ₹251.64 Million |
| 2006 | 15.35% | 22.27% | 0.06x | 11.56x | ₹728.57 Million |
| 2007 | 18.03% | 18.20% | 0.08x | 12.04x | ₹1.25 Billion |
| 2008 | 21.11% | 24.18% | 0.07x | 12.61x | ₹2.06 Billion |
| 2009 | 23.75% | 18.65% | 0.10x | 13.00x | ₹3.11 Billion |
| 2010 | 20.01% | 28.76% | 0.06x | 11.71x | ₹3.45 Billion |
| 2011 | 22.71% | 20.30% | 0.09x | 12.80x | ₹5.33 Billion |
| 2012 | 16.11% | 15.00% | 0.10x | 11.30x | ₹3.49 Billion |
| 2013 | 16.03% | 13.75% | 0.09x | 12.34x | ₹3.94 Billion |
| 2014 | 17.38% | 14.31% | 0.10x | 12.64x | ₹5.60 Billion |
| 2015 | 17.71% | 13.06% | 0.09x | 14.29x | ₹6.08 Billion |
| 2016 | 18.10% | 13.54% | 0.09x | 14.17x | ₹7.46 Billion |
| 2017 | 17.41% | 13.96% | 0.09x | 13.54x | ₹8.27 Billion |
| 2018 | 15.70% | 13.56% | 0.09x | 13.44x | ₹7.29 Billion |
| 2019 | 14.90% | 14.01% | 0.09x | 12.29x | ₹8.01 Billion |
| 2020 | 13.16% | 12.24% | 0.09x | 11.88x | ₹5.77 Billion |
| 2021 | 13.30% | 13.90% | 0.08x | 11.44x | ₹6.81 Billion |
| 2022 | 9.23% | 11.53% | 0.08x | 10.29x | ₹-1.89 Billion |
| 2023 | 10.63% | 12.84% | 0.08x | 10.25x | ₹1.72 Billion |
| 2024 | 15.13% | 17.60% | 0.09x | 9.26x | ₹16.15 Billion |
| 2025 | 14.97% | 19.63% | 0.09x | 8.64x | ₹18.07 Billion |
Industry Comparison
This section compares LIC Housing Finance Limited's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $31,364,112,000
- Average return on equity (ROE) among peers: 11.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| LIC Housing Finance Limited (LICHSGFIN) | ₹385.20 Billion | 12.08% | 7.29x | $1.73 Billion |
| Aadhar Housing Finance Ltd (AADHARHFC) | $26.93 Billion | 0.00% | 4.06x | $588.72 Million |
| Aavas Financiers Limited (AAVAS) | $1.01 Billion | 18.81% | 7.40x | $497.55 Million |
| Aptus Value Housing Finance India Limited (APTUS) | $33.39 Billion | 15.06% | 1.15x | $898.91 Million |
| Bajaj Housing Finance (BAJAJHFL) | $36.58 Billion | 2.85% | 4.26x | $877.90 Million |
| Can Fin Homes Limited (CANFINHOME) | $1.74 Billion | 15.52% | 9.45x | $860.40 Million |
| GIC Housing Finance Limited (GICHSGFIN) | $4.66 Billion | 24.40% | 6.99x | $58.58 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $5.23 Billion | 8.75% | 3.75x | $950.21 Million |
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | $22.99 Billion | 10.77% | 1.52x | $357.03 Million |
| PNB Housing Finance Limited (PNBHOUSING) | $149.74 Billion | 10.07% | 3.84x | $1.58 Billion |