LIC Housing Finance's Q3 FY 2025-26 Quarterly Results

Result Summary

• LIC Housing Finance Ltd reported a 0.5% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 2.0%.
• Its expenses for the quarter were down by 0.2% QoQ and 0.3% YoY.
• The net profit increased 3.6% QoQ and decreased 2.6% YoY.
• The earnings per share (EPS) of LIC Housing Finance Ltd stood at 25.42 during Q3 FY 2025-26.

Financial Statments for Q3 FY 2025-26

---

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 a prominent player in the housing finance industry, primarily involved in the provision of long-term finance to individuals for purchase or construction of houses or flats for residential purposes. The company also provides loans for the repair and renovation of existing flats and houses. As a subsidiary of the Life Insurance Corporation of India, it benefits from a strong parentage and a solid reputation in the financial services sector. The company operates predominantly in India, serving a diverse customer base across various income segments. Recent industry developments include a growing demand for housing finance in the wake of urbanization and housing initiatives by the government. However, specific recent major developments pertaining directly to LIC Housing Finance Ltd are not available within the provided data.

Revenue

In the third quarter of fiscal year 2026 (Q3FY26), LIC Housing Finance Ltd reported a total income of ₹7214.28 crores. This reflects a quarter-over-quarter increase of 0.5% from ₹7179.77 crores in Q2FY26 and a year-over-year rise of 2.0% from ₹7069.99 crores in Q3FY25. These figures indicate a steady growth trajectory in terms of revenue generation over both the quarterly and yearly periods. The incremental rise in total income suggests an effective operational strategy in maintaining revenue growth amidst fluctuating market conditions.

Profitability

For Q3FY26, the company recorded a profit before tax of ₹1761.55 crores, representing a 3.4% increase from the previous quarter's ₹1702.98 crores. However, this is a slight decrease of 2.0% from ₹1797.79 crores recorded in Q3FY25. The tax expenses for the current quarter were ₹364.15 crores, marking a 3.0% increase from Q2FY26 and a marginal 0.2% rise year-over-year. Consequently, the profit after tax for Q3FY26 stood at ₹1398.27 crores, showing a 3.6% improvement over the previous quarter but a 2.6% decline compared to the same period last year. This pattern is similarly reflected in the company's earnings per share, which rose to ₹25.42 in Q3FY26, compared to ₹24.53 in Q2FY26, but was lower than ₹26.09 in Q3FY25.

Operating Metrics

The total expenses in Q3FY26 amounted to ₹5299.16 crores, a slight decrease of 0.2% from the previous quarter and a 0.3% reduction from the same quarter in the prior year. This indicates a consistent control over expense management, enhancing operational efficiency. The operating metrics demonstrate a balanced approach between cost management and revenue enhancement, contributing to the overall financial performance. While specific financial ratios such as P/E ratio, debt-to-equity ratio, or current ratio are not provided within the data, the trends in total expenses and revenue growth offer insights into the company's operational effectiveness and strategic financial management.