LIC Housing Finance Ltd's Q4FY25 Quarterly Results

Result Summary

• LIC Housing Finance Ltd reported a 1.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 8.0%.
• Its expenses for the quarter were down by 5.2% QoQ and up 7.9% YoY.
• The net profit decreased 24.6% QoQ and decreased 9.1% YoY.
• The earnings per share (EPS) of LIC Housing Finance Ltd stood at 19.7 during Q4FY25.

Financial Statments for Q4FY25

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

LIC Housing Finance Ltd is one of India's leading housing finance companies. It primarily offers long-term finance for the purchase or construction of residential houses or flats, for repair and renovation of existing properties, and for the purchase of plots. The company operates within the housing finance industry, catering to individuals, professionals, and corporate bodies. As of the current data, there is no additional information available on recent major developments within the company.

Revenue

For the quarter ending Q4FY25, LIC Housing Finance Ltd reported a total income of ₹6948.61 crores. This represents a 1.7% decrease from the previous quarter (Q3FY25), where the total income stood at ₹7069.99 crores. However, on a year-over-year basis, the total income increased by 8.0% compared to ₹6431.23 crores in Q4FY24. These figures indicate fluctuations in revenue over both the quarter and the year.

Profitability

In Q4FY25, the company recorded a Profit Before Tax (PBT) of ₹1482.18 crores, which is a significant decrease of 17.6% from the previous quarter (Q3FY25) when the PBT was ₹1797.79 crores. Compared to the same quarter in the previous year (Q4FY24), where the PBT was ₹1452.77 crores, the profit increased by 2.0%. The Profit After Tax (PAT) for Q4FY25 was ₹1082.06 crores, down by 24.6% from ₹1434.89 crores in Q3FY25 and a decline of 9.1% from ₹1190.88 crores in Q4FY24. These figures highlight variations in profitability over the periods in question.

Operating Metrics

The company's total expenses for Q4FY25 were reported at ₹5038.56 crores, showing a decrease of 5.2% from Q3FY25 where expenses were ₹5316.18 crores. Year-over-year, total expenses increased by 7.9% from ₹4671.70 crores in Q4FY24. Tax expenses for Q4FY25 were ₹400.12 crores, which represents an increase of 10.1% from the previous quarter's ₹363.42 crores and a substantial increase of 52.8% from ₹261.89 crores in Q4FY24. Earnings Per Share (EPS) for Q4FY25 was ₹19.70, a decrease of 24.5% from ₹26.10 in Q3FY25, and a decrease of 8.8% from ₹21.60 in Q4FY24. These metrics provide insight into the company's cost management and shareholder returns during the periods analyzed.