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LIC Housing Finance (LICHSGFIN) investor relations material
LIC Housing Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Q1 FY26 revenue grew 7% year-over-year to ₹7,233.13 crore, with PAT up 5% to ₹1,359.92 crore and loan portfolio up 7% to ₹3,09,058.07 crore.
Net interest margin declined to 2.68% from 2.76% year-over-year, while net interest income rose 4% to ₹2,065.78 crore.
Asset quality improved, with stage 3 exposure at 2.62% versus 3.3% last year, and provision coverage ratio at 51%.
Disbursements in project finance were muted, declining 70% year-over-year, while individual home loan disbursements grew 3%.
Management expects improved performance in subsequent quarters, prioritizing margin protection amid competition.
Financial highlights
Revenue from operations for Q1 FY26 at ₹7,233.13 crore, up 7% year-over-year.
Net profit for Q1 FY26 at ₹1,359.92 crore, up 5% year-over-year.
Net interest income for Q1 FY26 at ₹2,065.78 crore, up 4% year-over-year.
Cost of funds reduced to 7.5% from 7.76% year-over-year.
Impairment on financial instruments increased 35% to ₹192.87 crore.
Outlook and guidance
Management maintains double-digit growth guidance for the year, with Q2 expected to show improved momentum.
Will prioritize margin protection over aggressive growth amid intense competition.
Focus on maintaining asset quality with Stage 3 EAD trending down.
Further rate cuts will be considered based on market developments and competitive pressures.
Loan portfolio CAGR over last 5 years at 7%; profit after tax CAGR at 19%.
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