financial_services · LICHSGFIN
LIC Housing Finance
LIC Housing Finance: PE below historical average. ROTATIONAL regime.
Price
₹498.05
Price 2026-08-20
5 day
+1.61%
Short-term move
1 month
-9.21%
Medium-term
Regime
ROTATIONAL
68% confidence
Market cap
₹29.9k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's ROTATIONAL regime affect LIC Housing Finance (LICHSGFIN) in the financial_services sector?”
Price chart
₹489
-20.80% over period
About LIC Housing Finance
LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. The company offers public, green, and corporate deposits; home loans to residents and non-residents Indians, as well as to pensioners; plot loans, home improvement and renovation, construction, and home extension loans; refinance; construction finance and term loans for builders and developers; and loans for staff quarters and other lines of credit for corporates. It also provides loans against properties for companies and individuals; loans against rental securitization; and loans to professionals. In addition, the company develops, establishes, and operates assisted living community centers for elderly citizens; manages, advises, and administers private equity funds, including venture capital and alternate investment funds; offers asset management and trusteeship services; and markets housing loan, life and general insurance products, mutual funds, fixed deposits, and credit cards. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -9.7% over 14 days) — not a reliable pattern.
52-week position
Trading at 77% of 52-week high
Technicals
RSI 14
29
Trend
downtrend
50 DMA
Below
200 DMA
Below
Key metrics
P/E ratio
5.3
29th pct · 7 quarterly points (limited history)
P/B
0.7
ROE
14.4%
Moderate profitability — 14.4% ROE
Market cap
₹29.9k Cr
Revenue growth
440.0% YoY
Promoter
2.3%
52-week range
₹458.9 – ₹646.5
77% of high
RSI (14)
29.0
downtrend
vs 50 DMA
Below
DMA ₹534.36
Coverage
100/100
HIGH
Quick Take
LIC Housing Finance: PE below historical average. ROTATIONAL regime.
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJAJFINSV Bajaj Finserv | ₹2,016 | -0.4% | 30.9 | 14.6% | 530% | ₹3.0L Cr |
| BAJAJHLDNG Bajaj Holdings | ₹11,368 | -1.1% | 12.4 | 12.6% | -4830% | ₹1.2L Cr |
| ABCAPITAL Aditya Birla Capital | ₹409 | +0.3% | 28.4 | 11.2% | 770% | ₹1.1L Cr |
| 360ONE 360 ONE WAM | ₹1,203 | +1.7% | 39.3 | 14.4% | 2690% | ₹46.8k Cr |
| ANANDRATHI Anand Rathi Wealth | ₹2,171.1 | -1.3% | 87.4 | 46.7% | 4760% | ₹34.1k Cr |
| ANGELONE Angel One | ₹289.5 | -0.9% | 34.1 | 15.5% | 3350% | ₹30.7k Cr |
| AADHARHFC Aadhar Housing Finance | ₹474.95 | -5.6% | 22 | 15.8% | 2090% | ₹23.9k Cr |
| APTUS Aptus Value Housing | ₹253.3 | -0.2% | 15.2 | 20.1% | 2210% | ₹14.3k Cr |
| LICHSGFIN LIC Housing Finance | ₹498.05 | +1.2% | 5.3 | 14.4% | 440% | ₹29.9k Cr |
Tensions to watch
PE in bottom 29% historically — undervaluation or fundamental deterioration?
Low PE can signal value OR declining growth expectations. Check recent earnings and sector outlook.
Key Watchpoints
Breaks above ₹523 (+5%)
Trend reversal confirmation
Breaks below ₹473 (-5%)
Further downside risk
PE reverts to median of 5.5 (7 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
