LIC Housing Finance's Q4 FY 2025-26 Quarterly Results

Result Summary

• LIC Housing Finance Ltd reported a -0.0% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 1.3%.
• Its expenses for the quarter were down by 1.7% QoQ and 3.8% YoY.
• The net profit increased 6.7% QoQ and increased 8.7% YoY.
• The earnings per share (EPS) of LIC Housing Finance Ltd stood at 27.13 during Q4 FY 2025-26.

Financial Statments for Q4 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 operates in the financial services sector, primarily focusing on providing housing finance solutions to individual home buyers and developers in India. The company's main products include home loans, loans against property, and developer loans. As one of the largest housing finance companies in India, LIC Housing Finance Ltd benefits from its association with the Life Insurance Corporation of India, a leading insurance provider. The company has a widespread network of branches and a strong presence across the country. Recent developments in the housing finance sector, such as regulatory changes and evolving consumer preferences, can impact the company's performance, though specific recent events related to LIC Housing Finance Ltd are not detailed in the provided data.

## Revenue
In the fourth quarter of fiscal year 2026, LIC Housing Finance Ltd reported a total income of ₹7212.01 crores, reflecting a slight decrease of 0.0% compared to the previous quarter and a 1.3% decline compared to the same quarter in the previous year. The total income for the third quarter of fiscal year 2026 was ₹7214.28 crores, and for the fourth quarter of fiscal year 2025, it was ₹7305.55 crores. These figures indicate a steady revenue stream, with minor fluctuations over the quarters. The company has managed to maintain its revenue levels despite the challenges in the housing finance sector.

## Profitability
The profit before tax (PBT) for the fourth quarter of fiscal year 2026 stood at ₹1931.31 crores, marking an increase of 9.6% from the previous quarter's ₹1761.55 crores and an 8.4% rise from the ₹1781.23 crores recorded in the fourth quarter of fiscal year 2025. After accounting for taxes, the profit after tax (PAT) was ₹1492.63 crores, which is a 6.7% increase from the previous quarter's ₹1398.27 crores and an 8.7% increase from the ₹1373.62 crores achieved in the same quarter last year. The company's earnings per share (EPS) also saw a 6.7% increase quarter-over-quarter and an 8.7% increase year-over-year, reaching ₹27.13 in Q4FY26. This consistent growth in profitability metrics reflects LIC Housing Finance Ltd's ability to manage costs effectively and enhance shareholder value.

## Operating Metrics
Total expenses for LIC Housing Finance Ltd in the fourth quarter of fiscal year 2026 were ₹5206.58 crores, representing a decrease of 1.7% from the ₹5299.16 crores recorded in the third quarter of fiscal year 2026 and a 3.8% reduction from the ₹5414.94 crores in the fourth quarter of fiscal year 2025. This reduction in expenses contributed to the improvement in profit margins. The tax expense for Q4FY26 was ₹440.84 crores, which shows a significant increase of 21.1% from the previous quarter's ₹364.15 crores and an 8.5% increase from the ₹406.43 crores in Q4FY25. These changes highlight the company's financial efficiency and tax management strategies over the quarters.