Close 10 Sep 1505 scanned A
NIFTY 5023,477.80+0.20%
BANK NIFTY56,471.95+0.31%
INDIA VIX11.80-1.05%
MIDCAP 15022,904.25-0.38%
SMALLCAP 25018,433.40+0.01%
NEXT 5072,530.90-0.44%
BREADTH61%above 200-DMA
ADV / DEC558 / 939
NSE close 10 Sep

LICHSGFIN

LIC Housing Finance
Financial ServicesLarge capRs 30,399 crRs 157.0 cr traded a day
Close on 10 September 2026
552.30
−0.49%
52-week range69% of the way up
460.70593.45
Market cap
30,399 cr
P/E (TTM)
5.3×
industry 18×
EPS (TTM)
104.27
Revenue YoY
-2.3%
Q1 FY27
Profit YoY
+9.9%
Net margin
21.2%
+2.4pt vs a year ago
Growth trend
-1.0pt
vs last quarter’s YoY
1 month
+8.7%
Below 52w high
7.5%
RSI (14)
74
overbought
Daily swing
3.0%
average true range
Volume
0.8×
vs 20-day average
Traded
Rs 157 cr
median day
Close200-day averageMaterial filing
500550600Sep 25Nov 25Jan 26Mar 26May 26Jul 26Sep 26
260 sessions · hover for the filing behind a move

Key metrics

each ranked against every stock scanned tonight
Above the 200-day average
Around the median
+3.8%
One-year return
Around the median
-6.0%
Return on capital employed
n/a
Debt to equity
n/a
Profitable quarters, last four
of the last four reported
4 of 4
Cash conversion
cash from operations against reported profit
n/a
Revenue growth, year on year
latest reported quarter
-2.3%
Below the 52-week high
from the highest close of the year
-6.9%
1 week
−0.31%
1 month
+8.72%
3 months
−0.28%
6 months
+9.77%
1 year
−5.96%

The read

written from the numbers on this page
The evidence leans constructive5 supporting, 3 against, 2 worth knowing

Supporting

  • trading 4% above its 200-day average
  • 3 independent kinds of evidence agree today, which is uncommon
  • net margin has widened from 18.8% to 21.2% across four quarters
  • priced at 5× earnings against an industry median of 18× — 71% below its peers
  • the future trades at a 1.24% premium to spot

Against

  • down 6% over twelve months
  • 1 of the scans it matches has historically underperformed the market
  • holders are unwinding longs quietly

Worth knowing

  • RSI at 74 is stretched; strong stocks stay stretched for a long time, so this is a note on entry timing, not on direction
  • revenue fell 2% year on year in the quarter ending 30 June 2026
What would change this read: a close below 532, its 200-day average.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.

What is working, what is not

from the filings and from the price, with the figure behind every line
Working5

Net margin improved from 18.8% to 21.2%.

18.8%21.2%

Net profit rose 9.9% year on year, from Rs 1,364 cr to Rs 1,499 cr.

+9.9%Rs 1,364 crRs 1,499 cr

Profit grew faster than revenue, +9.9% against -2.3%.

+9.9%-2.3%

Trading 3.8% above its 200-day average, which is the line most investors use to separate a bull phase from a bear one.

+3.8%

Rs 157 crore changes hands on a median day, so an ordinary order is not the reason it moves.

Rs 157 cr
Needs watching
Nothing on this side tonight — not in the filings and not in the price.
Every figure here is computed — from the company’s own filings, or from its own closing prices. Wording of 3 of these 3 filing lines was drafted by a language model, which is given the figures and may not introduce another — any sentence containing a number that did not come from the filings is discarded before it reaches this page.

How it has performed

price return over each window, beside the median NSE stock over the same days
this stockmedian NSE stock, same window-0.3%+0.5 pt vs market1W+8.7%+9.8 pt vs market1M-0.3%-2.9 pt vs market3M+9.8%-6.8 pt vs market6M-6.0%-2.8 pt vs market1Y

What the scans say today

4 of 47 matched on 10 Sep
LICHSGFIN matches 4 of the 47 scans today, across 3 different kinds of evidence. Three or more independent families agreeing is uncommon — it is the same test the shortlist on every page uses.

Valuation against its own history

500 sessions since 26 September 2024
median 6×
now 5×
LICHSGFIN trades at trailing earnings, close to its median of 6× over this window. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.

Recent filings

from the exchange, newest first
08-28
21:29
Management
1 day+1.15 days+5.620 days
08-28
21:01
Board meeting
1 day+1.15 days+5.620 days
08-28
20:46
AGM / EGM
1 day+1.15 days+5.620 days
08-28
20:31
AGM / EGM
1 day+1.15 days+5.620 days
Management filings were typically +0.06pt vs the market over the next 5 sessions (n=2,634) · Board meeting filings were typically +0.02pt vs the market over the next 5 sessions (n=6,172) · AGM / EGM filings were typically +0.17pt vs the market over the next 5 sessions (n=8,423)

The business

from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
6.9k7.1k7.3k7.3k7.2k7.2k7.2k7.1k19.1%18.8%21.2%Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.

Going for it

  • profit rose 10% year on year
  • net margin widened from 20.7% to 21.2%

Going against it

  • revenue fell 2% against the same quarter a year earlier
Quarter-by-quarter numbers, as filed
QuarterRevenueProfit before taxNet profitEPSNet margin
Q1 FY27
30 Jun · consolidated
7,0831,8991,49927.2521.2%
Q4 FY26
31 Mar · consolidated
7,2121,9311,49327.1320.7%
Q3 FY26
31 Dec · consolidated
7,2091,7621,39825.4219.4%
Q2 FY26
30 Sep · consolidated
7,1791,7031,34924.5318.8%
Q1 FY26
30 Jun · consolidated
7,2501,7041,36424.8018.8%
Q4 FY25
31 Mar · consolidated
7,3061,7811,37424.9718.8%
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.

Where the price stands

the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average+4.0%
Versus 200-day average+3.8%
Below 52-week high-6.9%
Above 52-week low+19.9%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)73.8
Higher closes in last 52 of 5
Six-month return+9.77%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)3.04%
Volume versus 20-day0.8x
Median daily turnoverRs 157.0 cr

Derivatives

near expiry 2026-09-29 · 2026-09-10
Long Unwinding
Price down, open interest down. Holders are leaving quietly. Less violent than a short buildup, and easier to miss.
Futures basis versus spot+1.24%
Open interest change-0.6%
Put / call ratio1.13
Put wall (support)520
Call wall (resistance)550
Max pain520
How to read this
Open interest is contracts still open, so a rise means new positions and a fall means positions closing. Combined with price direction that gives the state on the left. The walls are the strikes carrying the most open interest near expiry — levels other people are watching, not levels the price is obliged to respect. A future below spot means sellers are paying to be short.

Peers

Financial Services · 119 classified companies
LICHSGFIN trades at 5.3× trailing earnings against an industry median of 18.2× across 101 other classified companies in its industry — cheaper than them, by 71%. A multiple is a statement about expectations, not about quality: cheap usually means the market expects less, and it is often right.
CompanyMarket cap (Rs cr)P/E1 month1 yearTurnover (Rs cr)
HDFCBANK1,068,54213.2−4.83%−28.04%1,536.7
ICICIBANK993,33716.7−3.30%−1.21%1,214.8
SBIN932,01410.9−6.68%+18.06%709.5
BAJFINANCE649,15131.4−4.63%+3.68%467.7
KOTAKBANK414,33020.2+6.67%+3.02%407.8
AXISBANK387,60613.9+1.30%+8.88%517.2
SHRIRAMFIN244,23119.9−7.09%+65.33%348.3
CHOLAFIN158,56327.6−3.06%+14.05%156.1
TATACAP153,144−1.06%34.4
JIOFIN152,03773.6−10.08%−26.64%236.2
UNIONBANK136,7946.7−4.17%+29.10%153.1
LICHSGFIN30,3995.3+8.72%−5.96%157.0
largest twelve by market capitalisation. Market cap and P/E need filed financials, so blanks are companies whose filings have not been read yet

Recent sessions

what this stock has matched since the engine went live
This is the live record, not the backtest — the scans this stock actually appeared in on each stored session. A name that keeps reappearing is in a persistent condition; a one-day appearance usually is not.
SessionScansWhich
10 Sep1Back above the 200-day line
8 Sep2Breaking out of a tight range, Closed at the day's high
7 Sep1Back above the 200-day line