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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
LIC Housing Finance Limited is a housing finance company. It provides long-term finance to individuals for the purchase or construction of a house/flat for residential purposes in India. It provides finance on existing property for business/ personal needs and gives loans to…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
LIC Housing Finance is scored on the nbfc / financials framework. It keeps a healthy 19.7% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 8%/yr and profit at 25%/yr. Book value itself has compounded 15%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.4%. In the latest quarter profit grew 1% versus the prior quarter.
At 5× earnings, the stock sits at the 11th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-11%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 4.99 | 19.25 | better |
| P/B | 0.67 | — | — |
| EV/EBITDA | 11.48 | — | — |
| ROE | 13.44 | 9.23 | better |
| ROCE | 8.26 | 8.69 | worse |
| ROA | 1.79 | — | — |
| Quick Ratio | 0.07 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 8% CAGR — growing but slowly.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (25% vs 8%) — margin expansion is at work.
Operating margin has expanded from 16% to 25% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 14% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. 25% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (2% spread) — a predictable, non-seasonal revenue stream.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 45.2% — dispersed ownership; institutional flows drive the stock.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.