LIC Housing Finance shares fell by 2.2% to their day’s low of Rs 610.95 on the BSE even after the company reported a 25% year-on-year increase in net profit for Q4FY25 at Rs 1,368 crore, up from Rs 1,091 crore in the same quarter last year. This was supported by a sharp reduction in provisions.
Provisions for bad loans fell significantly to Rs 109 crore from Rs 428 crore in the year-ago period.
The lender’s net interest margin (NIM) declined to 2.86% from 3.15% in Q4FY24, though it improved over Q3FY25. Net interest income (NII) for the quarter stood at Rs 2,166 crore, compared to Rs 2,238 crore a year earlier.
Total loan disbursements rose 5% YoY to Rs 19,156 crore, up from Rs 18,232 crore. Disbursements in the individual home loan segment stood at Rs 15,383 crore, up from Rs 14,300 crore, while project loan disbursements fell to Rs 875 crore from Rs 1,501 crore.
As of March 31, 2025, the individual home loan portfolio rose 7% YoY to Rs 2,61,562 crore. The project loan portfolio increased 15% to Rs 9,213 crore. Overall, the company’s outstanding loan book grew 7% to Rs 3,07,732 crore from Rs 2,86,844 crore a year ago.
LIC Housing Finance share price target
According to Trendlyne, the average target price for LIC Housing Finance stock is Rs 673, indicating an 8% upside from current levels. Of the 27 analysts tracking the stock, the consensus rating is ‘Buy’.
Share price performance
On Thursday, LIC Housing Finance shares closed at Rs 624.9 on the BSE, up 1.3%, while the benchmark Sensex advanced 1.48%. The stock has gained 17% over the past three months and 64% over the last two years. The company’s market capitalisation stands at Rs 34,373 crore.
Also Read: 8 Nifty Microcap stocks that can jump 100-230% in the next 12 months
(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of the Economic Times)
Provisions for bad loans fell significantly to Rs 109 crore from Rs 428 crore in the year-ago period.
The lender’s net interest margin (NIM) declined to 2.86% from 3.15% in Q4FY24, though it improved over Q3FY25. Net interest income (NII) for the quarter stood at Rs 2,166 crore, compared to Rs 2,238 crore a year earlier.
Total loan disbursements rose 5% YoY to Rs 19,156 crore, up from Rs 18,232 crore. Disbursements in the individual home loan segment stood at Rs 15,383 crore, up from Rs 14,300 crore, while project loan disbursements fell to Rs 875 crore from Rs 1,501 crore.
As of March 31, 2025, the individual home loan portfolio rose 7% YoY to Rs 2,61,562 crore. The project loan portfolio increased 15% to Rs 9,213 crore. Overall, the company’s outstanding loan book grew 7% to Rs 3,07,732 crore from Rs 2,86,844 crore a year ago.
LIC Housing Finance share price target
According to Trendlyne, the average target price for LIC Housing Finance stock is Rs 673, indicating an 8% upside from current levels. Of the 27 analysts tracking the stock, the consensus rating is ‘Buy’.
Share price performance
On Thursday, LIC Housing Finance shares closed at Rs 624.9 on the BSE, up 1.3%, while the benchmark Sensex advanced 1.48%. The stock has gained 17% over the past three months and 64% over the last two years. The company’s market capitalisation stands at Rs 34,373 crore.
Also Read: 8 Nifty Microcap stocks that can jump 100-230% in the next 12 months
(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of the Economic Times)
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