LIC Housing Finance Limited (BOM:500253)

LIC Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	280,644	276,894	270,673	225,460	197,178	197,093
Total Interest Expense	198,251	195,284	183,879	161,348	141,511	144,504
Net Interest Income	82,393	81,610	86,794	64,113	55,667	52,589
Commissions and Fees	639.4	639.7	665.7	669.7	1,176	988.1
Other Revenue	4,351	3,573	1,435	1,038	1,425	774.3
Revenue Before Loan Losses	87,383	85,822	88,895	65,821	58,268	54,351
Provision for Loan Losses	2,858	2,611	16,229	19,359	19,626	-
Revenue	84,525	83,211	72,667	46,462	38,642	54,351
Revenue Growth (YoY)	14.04%	14.51%	56.40%	20.24%	-28.90%	9.61%
Salaries & Employee Benefits	7,699	7,554	6,496	5,164	6,025	3,238
Cost of Services Provided	1,093	2,276	2,093	2,503	1,597	1,452
Other Operating Expenses	5,261	3,646	2,746	2,611	2,870	15,433
Total Operating Expenses	15,055	14,453	12,027	10,968	11,044	20,647
Operating Income	69,470	68,758	60,640	35,494	27,598	33,704
Earnings From Equity Investments	9.5	29.4	37.6	-	-	-
Currency Exchange Gain (Loss)	-	-	-	112.4	274.4	-53.1
EBT Excluding Unusual Items	69,480	68,788	60,677	35,606	27,872	33,651
Pretax Income	69,480	68,789	60,681	35,608	27,873	33,651
Income Tax Expense	14,477	14,362	13,048	6,696	5,013	6,240
Earnings From Continuing Ops.	55,003	54,427	47,633	28,912	22,860	27,411
Minority Interest in Earnings	-4.8	-4.7	-3.5	-4.1	-3.5	-4.1
Net Income	54,998	54,422	47,630	28,908	22,857	27,407
Net Income to Common	54,998	54,422	47,630	28,908	22,857	27,407
Net Income Growth	15.87%	14.26%	64.77%	26.47%	-16.60%	14.04%
Shares Outstanding (Basic)	550	550	550	550	530	505
Shares Outstanding (Diluted)	550	550	550	550	530	505
Shares Change (YoY)	-0.01%	-	-	3.75%	5.05%	-
EPS (Basic)	100.00	98.94	86.59	52.55	43.11	54.31
EPS (Diluted)	100.00	98.94	86.59	52.55	43.11	54.31
EPS Growth	15.89%	14.26%	64.77%	21.90%	-20.61%	14.04%
Free Cash Flow	-	-166,825	-71,889	-196,961	-167,646	-171,511
Free Cash Flow Per Share	-	-303.28	-130.69	-358.07	-316.22	-339.85
Dividend Per Share	10.000	10.000	9.000	8.500	8.500	8.500
Dividend Growth	11.11%	11.11%	5.88%	-	-	6.25%
Operating Margin	82.19%	82.63%	83.45%	76.39%	71.42%	62.01%
Profit Margin	65.07%	65.40%	65.55%	62.22%	59.15%	50.43%
Free Cash Flow Margin	-	-200.48%	-98.93%	-423.92%	-433.85%	-315.56%
Effective Tax Rate	20.84%	20.88%	21.50%	18.80%	17.98%	18.54%
Revenue as Reported	285,640	281,107	272,778	227,282	200,053	198,802

Updated Jan 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.