LICHSGFIN.NS
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Performance Graph
Financial Ratios
Ratio Value
PE Ratio6.83
Net Profit Margin0.55
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity7.73
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Return on Assets: NA

Return on Equity: Giving good returns on equity which is generally acceptable for most industries

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.55
Return on Assets0.00
Return on Equity0.15
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio7.73
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Dividend Yield: Low yield, focus on growth rather than dividends (Low dividend yield, which means company is focusing on growth

Performance Graph
Market Ratios
Ratio Value
P/E Ratio6.83
Gross Profit Margin0.00
Price to Book Ratio1.03
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of LIC Housing Finance Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 2913340000000 2785590000000 2546870000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 62590600000 69966200000 63052900000
Held To Maturity Securities - - -
Available For Sale Securities 45798200000 46262500000 46291100000
Financial Assets Fair Value 16792400000 23703700000 15970100000
Long Term Equity Investment 813200000 559600000 557200000
Investments In Associates At Cost 813200000 559600000 557200000
Goodwill And Other Intangible Assets 321500000 364500000 234200000
Other Intangible Assets 319400000 362400000 232100000
Goodwill 2100000 2100000 2100000
Net Ppe 3276900000 3528600000 2957000000
Accumulated Depreciation -2430400000 -1947000000 -1426200000
Gross Ppe 5707300000 5475600000 4383200000
Construction In Progress 1400000 8400000 28500000
Other Properties 3411700000 3082500000 2311800000
Machinery Furniture Equipment 986500000 789100000 540800000
Buildings And Improvements 1240400000 1408700000 1333500000
Land And Improvements 67300000 186900000 168600000
Properties - - -
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 493400000 624100000 434600000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable 5741700000 977500000 2373300000
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 16795500000 8437700000 9987900000
Cash Equivalents - - -
Cash Financial 120300000 44400000 43500000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 2413470000000 2329320000000 2051300000000
Total Debt 2431980000000 2339600000000 2062790000000
Total Liabilities Net Minority Interest 2598540000000 2513710000000 2299330000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 2431980000000 2339600000000 2062790000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 54146200000 47418000000 46787300000
Other Payable 48336400000 40431000000 39231800000
Dividends Payable 102600000 95200000 86000000
Total Tax Payable - 38700000 -
Accounts Payable 5707200000 6853100000 7469500000
Common Stock Equity 314767000000 271847000000 247508000000
Total Capitalization 2745040000000 2609610000000 2308800000000
Total Equity Gross Minority Interest 314801000000 271879000000 247538000000
Minority Interest 34000000 31900000 29200000
Stockholders Equity 314767000000 271847000000 247508000000
Other Equity Interest 313666000000 270746000000 246407000000
Treasury Stock - - -
Retained Earnings 97027200000 54374400000 48435800000
Additional Paid In Capital 40475200000 40475200000 40475200000
Capital Stock 1100800000 1100800000 1100800000
Common Stock 1100800000 1100800000 1100800000

Income statement interpretation for LIC Housing Finance Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 87170400000 63796600000 56660000000
Operating Revenue 87170400000 63796600000 56660000000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 47592100000 28907700000 22856500000
Net Income From Continuing Operation Net Minority Interest 47592100000 28907700000 22856500000
Net Income From Continuing And Discontinued Operation 47592100000 28907700000 22856500000
Net Income Common Stockholders 47592100000 28907700000 22856500000
Net Income Including Noncontrolling Interests 47595600000 28911700000 22860100000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 47595600000 28911700000 22860100000
Normalized Income 47588960640 28906400879 22856417984
Normalized Ebitda - - -
Total Unusual Items 4000000 1600000 100000
Total Unusual Items Excluding Goodwill 4000000 1600000 100000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 692300000 690400000 524400000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 10301900000 8832100000 9161200000
Other Operating Expenses 2355000000 2115200000 1917400000
Depreciation And Amortization In Income Statement 692300000 690400000 551900000
Amortization - - -
Depreciation Income Statement 692300000 690400000 551900000
Selling General And Administration 580700000 551100000 397100000
Selling And Marketing Expense 338500000 437600000 282000000
General And Administrative Expense 242200000 113500000 115100000
Rent And Landing Fees 157000000 293300000 259700000
Tax Provision 13048100000 6696000000 5012500000
Pretax Income 60643700000 35607700000 27872600000
Other Non Operating Income Expenses - - -
Special Income Charges 4000000 1600000 100000
Other Special Charges -4000000 -1600000 -100000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 86.52 52.55 43.12
Basic Eps 86.52 52.55 43.12
Diluted Ni Avail To Com Stockholders 47592100000 28907700000 22856500000
Net Income From Continuing Operations 60643700000 35607700000 27781500000
Minority Interests -3500000 -4100000 -3500000

Cash flow analysis for LIC Housing Finance Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -71509800000 -196320000000 -167403000000
Changes In Cash 7814500000 -1829800000 -5066500000
Taxes Refund Paid -14751300000 -10538300000 -10873600000
Change In Working Capital 1768300000 2232100000 -7993300000
Change In Other Current Liabilities - - 1824900000
Change In Other Current Assets - - -22400000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items -85013100000 -57490400000 -53394500000
Stock Based Compensation - - -
Provision And Write Off Of Assets 16228800000 13962100000 19882400000
Depreciation And Amortization 692300000 690400000 524400000
Amortization Cash Flow - - -
Depreciation 692300000 690400000 524400000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 5868600000 -7996700000 -16009800000
Net Other Investing Changes 3500000 2700000 4900000
Interest Received Cfi - - 50400000
Dividends Received Cfi - 56700000 52000000
Net Investment Purchase And Sale 6231600000 -7594000000 -15763600000
Sale Of Investment 7115900000 262100000 6269500000
Purchase Of Investment -884300000 -7856100000 -22033100000
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -366500000 -405400000 -348600000
Sale Of Ppe 8000000 235600000 300000
Purchase Of Ppe -374500000 -641000000 -348900000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 73455700000 202487000000 178346000000
Net Other Financing Charges -16008800000 -68240000000 -535600000
Interest Paid Cff - - -
Cash Dividends Paid -4675500000 -4622000000 -4675500000
Common Stock Dividend Paid -4675500000 -4622000000 -4675500000
Net Common Stock Issuance - - 23342300000
Common Stock Payments - - -
Common Stock Issuance - - 23342300000
Repurchase Of Capital Stock - - -
Repayment Of Debt -1369530000000 -1545650000000 -1362440000000
Issuance Of Debt 1464200000000 1821510000000 1523140000000
Issuance Of Capital Stock - - 23342300000
Net Issuance Payments Of Debt 94675700000 275861000000 160705000000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 94675700000 275861000000 160705000000
Long Term Debt Payments -1369530000000 -1545650000000 -1362440000000
Long Term Debt Issuance 1464200000000 1821510000000 1523140000000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of LICHSGFIN.NS (LIC Housing Finance Limited)

Above is the summary for fundamental analysis of LIC Housing Finance Limited , whose ticker name is LICHSGFIN.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The LIC Housing Finance Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 6.83, LICHSGFIN.NS has a net profit margin of 0.55, the acid test ratio for LICHSGFIN.NS is 0.00, LICHSGFIN.NS has an inventory turnover of 0.00, and LICHSGFIN.NS has debt-to-equity ratio of 7.73.

The LICHSGFIN.NS whose company name is LIC Housing Finance Limited has made profit/loss of 0 with total revenue of 87170400000, LICHSGFIN.NS has assets worth of 2913340000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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