LICHSGFIN
Lic Housing Finance Limited
Each stock's 10,000-path forecast, rendered as light.
Lic Housing Finance Limited (LICHSGFIN) Stock Analysis & Case Study
Is LICHSGFIN a good buy? The data-driven verdict.
Lic Housing Finance Limited (LICHSGFIN) trades at ₹504,on the numbers it worth a closer look, a Downstox Snapshot Score of 65/100.
On the numbers, Lic Housing Finance Limited (LICHSGFIN) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 4.8× earnings, ROE of 14.4%, a 57% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
LICHSGFIN fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How LICHSGFIN ranks against the 2,373 companies in our screener
- LICHSGFIN's market cap of 27,737 Cr ranks in the 87th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- LICHSGFIN's book value of ₹753 ranks in the 94th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- LICHSGFIN's promoter holding of 45.2% ranks in the 23rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- LICHSGFIN's 3-year profit (PAT) growth of 25.0% ranks in the 63rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- LICHSGFIN's 3-year revenue growth of 8.0% ranks in the 44th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for LICHSGFIN, as of 9 Aug 2026, so it is not ranked here.
Is LICHSGFIN overvalued? LICHSGFIN P/E vs its NBFC
LICHSGFIN's P/E of 4.8× sits below the NBFC peer median of 16.1×, so on earnings it screens cheaper than peers, while its 1.98% dividend yield is above the peer median of 1.98%.
LICHSGFIN share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 9.8y of LICHSGFIN history (-0%/yr drift, 28%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| LICHSGFIN 2027 | ₹370 | ₹529 | ₹757 | +5% |
| LICHSGFIN 2028 | ₹334 | ₹555 | ₹923 | +10% |
| LICHSGFIN 2029 | ₹315 | ₹582 | ₹1,078 | +16% |
| LICHSGFIN 2030 | ₹300 | ₹611 | ₹1,245 | +21% |
| LICHSGFIN 2031 | ₹287 | ₹641 | ₹1,431 | +27% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability LICHSGFIN goes up, or doubles?
The bull case for LICHSGFIN
- LICHSGFIN's P/E of 4.8x is lower than 94% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Low price-to-book of 0.67×, the market is paying little over the company's net assets.
- LICHSGFIN's return on equity of 14.4% ranks in the 69th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹1,078.
The bear case & risks
- No model or past record guarantees future returns, treat this as one input, not a decision.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹315.
LICHSGFIN volatility & expected range, how bumpy is the ride?
Over the last 9.8 years LICHSGFIN compounded at -0%/year with annualized volatility of 28%. That volatility implies a 1-year 80% range of ₹370-₹757, the honest backbone behind any single price target.
LICHSGFIN price forecast, the full 60-month probability fan
LICHSGFIN price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds LICHSGFIN hits common targets within the simulated horizon?
Full multi-horizon detail on the LICHSGFIN price target & forecast page.
LICHSGFIN Piotroski F-Score: 6/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. LICHSGFIN scores 6/8, mixed financial health.
LICHSGFIN MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy LICHSGFIN with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 24.90% | 4.0× |
| Zerodha | 24.20% | 4.1× |
| Groww | 24.23% | 4.1× |
| Dhan | 22.50% | 4.4× |
| Kotak NeoCHEAPEST | 21.37% | 4.7× |
| Paytm Money | 21.47% | 4.7× |
| Pocketful | 28.48% | 3.5× |
| Anand Rathi | 28.37% | 3.5× |
| Bajaj Broking | 23.00% | 4.3× |
| Share India | 28.45% | 3.5× |
Compare every broker on the LICHSGFIN MTF page.
LICHSGFIN vs peers,NBFC comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| LICHSGFIN (this stock) | 4.8× | 1.98% | ₹27,737 Cr |
| BAJFINANCE | 32.8× | 0.50% | ₹6.71L Cr |
| BAJAJFINSV | 31.3× | 0.07% | ₹3.22L Cr |
| RECLTD | 6.0× | 5.05% | ₹96,639 Cr |
| IRFC | 16.1× | 2.37% | ₹1.16L Cr |
| PFC | 5.3× | 4.42% | ₹1.39L Cr |
| SHRIRAMFIN | 23.2× | 0.97% | ₹2.62L Cr |
Fundamentals from Screener.in, as of 9 Aug 2026
About Lic Housing Finance Limited: sector, index & market-cap context
Lic Housing Finance Limited (LICHSGFIN) is a mid-cap NSE-listed company in the NBFC sector, and a constituent of the Nifty 500 index, with a market capitalisation of ₹27,737 Cr. See more stocks on our screener.
How the LICHSGFIN Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Lic Housing Finance Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
LICHSGFIN analysis, FAQs
Is Lic Housing Finance Limited (LICHSGFIN) a good buy?
On the numbers, Lic Housing Finance Limited (LICHSGFIN) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 4.8× earnings, ROE of 14.4%, a 57% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is LICHSGFIN overvalued or undervalued?
LICHSGFIN trades at 4.8× earnings versus a peer median of 16.1×, so it screens cheaper than its NBFC peers.
What is the LICHSGFIN share price target for 2031?
LICHSGFIN's probability-weighted 2031 median target is ₹641, with an 80% range of ₹287-₹1,431 (10,000-path Monte-Carlo).
What is the probability LICHSGFIN doubles in 5 years?
The modelled probability of LICHSGFIN reaching ₹1,009 (2×) within 5 years is 23%.
What is the bull case for LICHSGFIN?
LICHSGFIN's P/E of 4.8x is lower than 94% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. Low price-to-book of 0.67×, the market is paying little over the company's net assets. LICHSGFIN's return on equity of 14.4% ranks in the 69th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in LICHSGFIN?
No model or past record guarantees future returns, treat this as one input, not a decision.