LIC Housing Finance Limited
Valuation (96/100) does the heavy lifting; financial trend (45/100) is the drag.
Buy zoneOur blended model reads LIC Housing Finance Limited as a Buy at 71/100. We put fair value near ₹1,106.9; at ₹553.45 that leaves roughly 100% upside, so the stock screens undervalued by 100%. On 5.4x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 7% below its 52-week high of ₹593.45 and 20% above the low of ₹460.7. Financial health scores 75/100, with a Piotroski F-score of 3/9. The average analyst target of ₹614.22 implies about 11% upside across 23 analysts. It clears 7 of 12 investability checks, with durability 64, valuation 92 and momentum 71 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹885.52. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-6.74% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy71Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 14.4%
- Fail: Low debt (D/E < 0.5): 6.43x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 4%
- Pass: Earnings growing: 9%
- Pass: Net margin ≥ 10%: 65.8%
- Pass: Current ratio > 1.5: 27.06
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter2.3%
- Institutions77.6%
- Public & other20.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (65.8%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (3/9).
About LIC Housing Finance Limited
LIC Housing Finance Limited operates as a housing finance company in India, offering home loans for purchase, construction, repair, and renovation of residential and commercial properties to Indian residents, non-residents, and pensioners. The company also provides plot loans, construction finance, and term loans for builders and developers, alongside public, green, and corporate deposit products and refinancing services.
LIC Housing Finance Limited — frequently asked questions
Is LIC Housing Finance Limited a buy, hold or sell?
StocksWizard currently rates LIC Housing Finance Limited (LICHSGFIN) a Buy, based on a blended score of 71/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is LIC Housing Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates LIC Housing Finance Limited's fair value at about ₹1,106.9, versus a current price of ₹553.45 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is LIC Housing Finance Limited financially healthy?
LIC Housing Finance Limited scores 75/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has LIC Housing Finance Limited's share price performed?
LIC Housing Finance Limited is roughly flat over three months, and last traded at ₹553.45. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.