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LIC Housing Finance Limited call transcript summary

NSE: LICHSGFIN · BSE: 500253

Call transcript of 4 Aug 2025, summarised by AI from the filing.

LIC Housing Finance filed its Q1 FY2025-26 earnings call materials, held on 4th August, 2025, on the company website.

Key takeaways

  1. Call held A conference call for investors and analysts was held on Monday, 4th August, 2025 at 11:30 AM IST to discuss the unaudited financial results for the first quarter ended 30th June, 2025.
  2. Materials uploaded The Investor Presentation, conference call audio recording and conference call transcript for Q1 FY2025-26 have been uploaded on the company website www.lichousing.com.
  3. Investor update link The investor update can be accessed at https://www.lichousing.com/investors/investor-update.
  4. Audio link The audio recording can be accessed at https://www.lichousing.com/investors/concall-audio.
  5. Disclosure The filing is a disclosure under Regulation 46 (2) (oa) of SEBI (LODR) regulations, 2015 regarding uploading of audio or video recordings and transcripts of post earnings calls on the company website.

Original filing on BSE

LIC Housing Finance Limited Q1 FY27 results

As filed: Revenue ₹7,083 cr (−2% year on year), EBITDA ₹6,873 cr (+1% year on year), PAT ₹1,499 cr (+10% year on year), EBITDA margin 97.0% (+359 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹7,212 cr (−1% year on year), EBITDA ₹6,749 cr (0% year on year), PAT ₹1,493 cr (+9% year on year), EBITDA margin 93.6% (+109 bps). Score 36 of 100, Below trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was in line with it. EBITDA margin rose 109 bps year on year. Share price after the results: −4.5% in 30 days (Nifty 500: +1.0%).
  • Q3 FY26: Revenue ₹7,209 cr (+2% year on year), EBITDA ₹6,731 cr (−1% year on year), PAT ₹1,398 cr (−3% year on year), EBITDA margin 93.4% (−243 bps). Score 29 of 100, Below trend. Revenue and profit growth were below the company's own trend; EBITDA growth was well below it. EBITDA margin fell 243 bps year on year. Share price after the results: +5.9% in 28 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹7,179 cr (+3% year on year), EBITDA ₹6,728 cr (+2% year on year), PAT ₹1,349 cr (+2% year on year), EBITDA margin 93.7% (−92 bps). Score 33 of 100, Below trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 92 bps year on year. Share price after the results: −7.5% in 30 days (Nifty 500: −0.1%).
  • Q1 FY26: Revenue ₹7,250 cr (+7% year on year), EBITDA ₹6,775 cr (+6% year on year), PAT ₹1,364 cr (+4% year on year), EBITDA margin 93.5% (−78 bps). Score 40 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were below it. EBITDA margin fell 78 bps year on year. Share price after the results: −2.6% in 28 days (Nifty 500: −0.9%).
  • Q4 FY25: Revenue ₹7,306 cr (+5% year on year), EBITDA ₹6,757 cr (+10% year on year), PAT ₹1,374 cr (+27% year on year), EBITDA margin 92.5% (+403 bps). Score 47 of 100, In line with trend. Revenue, EBITDA and profit growth were in line with the company's own trend. EBITDA margin rose 403 bps year on year. Profit fell 4% from last quarter. Share price after the results: +0.5% in 30 days (Nifty 500: +2.4%).
  • Q3 FY25: Revenue ₹7,070 cr (+4% year on year), EBITDA ₹6,773 cr (+11% year on year), PAT ₹1,435 cr (+23% year on year), EBITDA margin 95.8% (+588 bps). Score 47 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA and profit growth were in line with it. EBITDA margin rose 588 bps year on year.
  • Q2 FY25: Revenue ₹6,938 cr (+3% year on year), EBITDA ₹6,566 cr (+8% year on year), PAT ₹1,328 cr (+11% year on year), EBITDA margin 94.6% (+453 bps). Score 49 of 100, In line with trend. EBITDA margin rose 453 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

LIC Housing Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.