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LIC Housing Finance Limited Q3 FY26 results deck summary

NSE: LICHSGFIN · BSE: 500253

Results deck of 30 Jan 2026, summarised by AI from the filing.

Q3 FY26 PAT ₹1383.95 cr, revenue ₹7187 cr up 2%, NIM 2.69%, Stage 3 EAD improved to 2.45%.

Key takeaways

  1. Net profit Q3 FY26 PAT ₹1383.95 cr (Q3 FY25: ₹1431.96 cr).
  2. Revenue Q3 FY26 total revenue from operations ₹7187 cr (Q3 FY25: ₹7057 cr, up 2%).
  3. Net interest margin NIM 2.69% in Q3 FY26 (Q2 FY26: 2.62%, Q3 FY25: 2.70%).
  4. Loan portfolio Outstanding loan portfolio up 5% to ₹314268 cr.
  5. Asset quality Stage 3 EAD 2.45% as on 31.12.2025 (31.12.2024: 2.75%).

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.