{"id":299935,"date":"2026-10-09T17:55:38","date_gmt":"2026-10-09T12:25:38","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=299935"},"modified":"2026-10-09T17:55:38","modified_gmt":"2026-10-09T12:25:38","slug":"lic-housing-finance-share-price-target-2027","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/","title":{"rendered":"LIC Housing Finance Share Price Target 2027: Base and Bull Targets Built on FY26 Earnings"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>LIC Housing Finance share price Rs 552.95 (9 October 2026). Base target Rs 583, bull Rs 707, downside risk Rs 430. PE 5.15. 52W range Rs 458.90 to Rs 598.20.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">The LIC Housing Finance share price target for 2027 is Rs 583, about 5.4% above the current price of Rs 552.95. The bull case is Rs 707, and the downside risk level, which is not a target, is Rs 430. The base case assumes earnings per share grow 8.5% a year, the pace seen from FY24 to FY26, with the stock holding its PE of 5.15. These are model-based estimates built from reported financials, not guaranteed outcomes.<\/p>\n<\/p><\/div>\n<p>Investors weighing an LIC Housing Finance target price for 2027 should start with where the stock sits today. At Rs 552.95 on 9 October 2026, it is 7.6% below its 52-week high of Rs 598.20 and 20.5% above its 52-week low of Rs 458.90. That range spans 30% from low to high, so the entry point matters as much as the LIC Housing Finance price forecast itself.<\/p>\n<p>This article builds the LIC Housing Finance share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario shows its assumptions, so you can see exactly how the Rs 583 base case and the Rs 707 bull case were reached, along with a downside risk level of Rs 430.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=lic-housing-finance-share-price-target-2027\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#LIC_Housing_Finance_Stock_Analysis_Company_Overview_and_Key_Stats\" title=\"LIC Housing Finance Stock Analysis: Company Overview and Key Stats\">LIC Housing Finance Stock Analysis: Company Overview and Key Stats<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Why_Is_LIC_Housing_Finance_Share_Price_Target_Set_at_Rs_583_for_2027\" title=\"Why Is LIC Housing Finance Share Price Target Set at Rs 583 for 2027?\">Why Is LIC Housing Finance Share Price Target Set at Rs 583 for 2027?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Earnings_Growth_Behind_the_LIC_Housing_Finance_Target_Price_Five_Years_of_Results\" title=\"Earnings Growth Behind the LIC Housing Finance Target Price: Five Years of Results\">Earnings Growth Behind the LIC Housing Finance Target Price: Five Years of Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Margins_and_the_Latest_Quarter\" title=\"Margins and the Latest Quarter\">Margins and the Latest Quarter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Balance_Sheet_and_Cash_Flow\" title=\"Balance Sheet and Cash Flow\">Balance Sheet and Cash Flow<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Valuation_Check_for_the_LIC_Housing_Finance_Stock_Target_PE_Price_to_Book_and_ROE\" title=\"Valuation Check for the LIC Housing Finance Stock Target: PE, Price to Book and ROE\">Valuation Check for the LIC Housing Finance Stock Target: PE, Price to Book and ROE<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Shareholding_Pattern_and_Institutional_Holding\" title=\"Shareholding Pattern and Institutional Holding\">Shareholding Pattern and Institutional Holding<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#LIC_Housing_Finance_Share_Price_Targets_for_the_Short_Term_and_12_Months\" title=\"LIC Housing Finance Share Price Targets for the Short Term and 12 Months\">LIC Housing Finance Share Price Targets for the Short Term and 12 Months<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Short_Term_LIC_Housing_Finance_Stock_Target_Levels_Technical_Setup\" title=\"Short Term LIC Housing Finance Stock Target Levels: Technical Setup\">Short Term LIC Housing Finance Stock Target Levels: Technical Setup<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#12_Month_LIC_Housing_Finance_Target_Price_for_2027\" title=\"12 Month LIC Housing Finance Target Price for 2027\">12 Month LIC Housing Finance Target Price for 2027<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#How_EPS_Growth_and_PE_Multiple_Change_the_LIC_Housing_Finance_Target_Price\" title=\"How EPS Growth and PE Multiple Change the LIC Housing Finance Target Price\">How EPS Growth and PE Multiple Change the LIC Housing Finance Target Price<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Bull_Case_and_Downside_Risk_for_LIC_Housing_Finance_Stock_Target_in_2027\" title=\"Bull Case and Downside Risk for LIC Housing Finance Stock Target in 2027\">Bull Case and Downside Risk for LIC Housing Finance Stock Target in 2027<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Bull_Case_Rs_707\" title=\"Bull Case Rs 707\">Bull Case Rs 707<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Downside_Risk_Level_Rs_430\" title=\"Downside Risk Level Rs 430\">Downside Risk Level Rs 430<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Key_Risks_to_the_LIC_Housing_Finance_Target_Price_for_2027\" title=\"Key Risks to the LIC Housing Finance Target Price for 2027\">Key Risks to the LIC Housing Finance Target Price for 2027<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Growth_Slowdown_Risk_for_the_LIC_Housing_Finance_Price_Target\" title=\"Growth Slowdown Risk for the LIC Housing Finance Price Target\">Growth Slowdown Risk for the LIC Housing Finance Price Target<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Liquidity_and_Size_Risk\" title=\"Liquidity and Size Risk\">Liquidity and Size Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Valuation_and_Margin_Risk\" title=\"Valuation and Margin Risk\">Valuation and Margin Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Market_and_Technical_Risk\" title=\"Market and Technical Risk\">Market and Technical Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#How_to_Invest_in_LIC_Housing_Finance\" title=\"How to Invest in LIC Housing Finance\">How to Invest in LIC Housing Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#FAQs_on_LIC_Housing_Finance_Share_Price_Target_2027\" title=\"FAQs on LIC Housing Finance Share Price Target 2027\">FAQs on LIC Housing Finance Share Price Target 2027<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#What_is_the_LIC_Housing_Finance_share_price_target_for_2027\" title=\"What is the LIC Housing Finance share price target for 2027?\">What is the LIC Housing Finance share price target for 2027?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#What_is_the_LIC_Housing_Finance_share_price_today\" title=\"What is the LIC Housing Finance share price today?\">What is the LIC Housing Finance share price today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Is_LIC_Housing_Finance_a_buy_or_sell_at_the_current_price\" title=\"Is LIC Housing Finance a buy or sell at the current price?\">Is LIC Housing Finance a buy or sell at the current price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#What_are_the_bull_case_target_and_downside_risk_level_for_LIC_Housing_Finance_shares\" title=\"What are the bull case target and downside risk level for LIC Housing Finance shares?\">What are the bull case target and downside risk level for LIC Housing Finance shares?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#What_are_the_main_risks_to_the_LIC_Housing_Finance_price_target\" title=\"What are the main risks to the LIC Housing Finance price target?\">What are the main risks to the LIC Housing Finance price target?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#What_is_the_PE_ratio_of_LIC_Housing_Finance_and_how_does_it_compare_with_the_industry\" title=\"What is the PE ratio of LIC Housing Finance and how does it compare with the industry?\">What is the PE ratio of LIC Housing Finance and how does it compare with the industry?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#Who_owns_LIC_Housing_Finance_and_what_is_the_promoter_holding\" title=\"Who owns LIC Housing Finance, and what is the promoter holding?\">Who owns LIC Housing Finance, and what is the promoter holding?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-target-2027\/#What_were_LIC_Housing_Finances_latest_quarterly_results\" title=\"What were LIC Housing Finance&#8217;s latest quarterly results?\">What were LIC Housing Finance&#8217;s latest quarterly results?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"LIC_Housing_Finance_Stock_Analysis_Company_Overview_and_Key_Stats\"><\/span><strong>LIC Housing Finance Stock Analysis: Company Overview and Key Stats<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC Housing Finance (NSE: LICHSGFIN) has a market capitalisation of Rs 29,538 crore. In FY26 it reported revenue of Rs 28,843 crore and net profit of Rs 5,604 crore. The table collects the figures the LIC Housing Finance share price target is built on.<\/p>\n<table style=\"border-collapse:collapse;width:100%;\" border=\"1\" cellpadding=\"8\">\n<tr>\n<th>Metric<\/th>\n<th>Value<\/th>\n<\/tr>\n<tr>\n<td>Company<\/td>\n<td><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<\/tr>\n<tr>\n<td>NSE Ticker<\/td>\n<td>LICHSGFIN<\/td>\n<\/tr>\n<tr>\n<td>CMP (9 October 2026)<\/td>\n<td>Rs 552.95<\/td>\n<\/tr>\n<tr>\n<td>52-Week High<\/td>\n<td>Rs 598.20<\/td>\n<\/tr>\n<tr>\n<td>52-Week Low<\/td>\n<td>Rs 458.90<\/td>\n<\/tr>\n<tr>\n<td>Market Cap<\/td>\n<td>Rs 29,538 crore<\/td>\n<\/tr>\n<tr>\n<td>PE Ratio (TTM)<\/td>\n<td>5.15<\/td>\n<\/tr>\n<tr>\n<td>Industry PE<\/td>\n<td>17.72<\/td>\n<\/tr>\n<tr>\n<td>Price to Book<\/td>\n<td>0.71<\/td>\n<\/tr>\n<tr>\n<td>Return on Equity<\/td>\n<td>13.53%<\/td>\n<\/tr>\n<tr>\n<td>Debt to Equity<\/td>\n<td>6.70<\/td>\n<\/tr>\n<tr>\n<td>EPS (TTM)<\/td>\n<td>Rs 104.34<\/td>\n<\/tr>\n<tr>\n<td>Dividend Yield<\/td>\n<td>1.86%<\/td>\n<\/tr>\n<tr>\n<td>12-Month Base Target<\/td>\n<td>Rs 583<\/td>\n<\/tr>\n<tr>\n<td>Bull Case<\/td>\n<td>Rs 707<\/td>\n<\/tr>\n<tr>\n<td>Downside Risk Level (not a target)<\/td>\n<td>Rs 430<\/td>\n<\/tr>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_LIC_Housing_Finance_Share_Price_Target_Set_at_Rs_583_for_2027\"><\/span><strong>Why Is LIC Housing Finance Share Price Target Set at Rs 583 for 2027?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The base-case LIC Housing Finance stock target of Rs 583 applies a PE multiple of 5.15 to a forward EPS estimate of Rs 113.17. That EPS assumes 8.5% yearly growth, the pace from FY24 to FY26, and puts the target 5.4% above the current price. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Earnings_Growth_Behind_the_LIC_Housing_Finance_Target_Price_Five_Years_of_Results\"><\/span><strong>Earnings Growth Behind the LIC Housing Finance Target Price: Five Years of Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>LIC Housing Finance grew revenue from Rs 20,005 crore in FY22 to Rs 28,843 crore in FY26, a compound annual growth rate of 9.6%. Net profit grew faster, from Rs 2,286 crore to Rs 5,604 crore (25.1% a year), which shows margin gains did part of the work and not just higher sales.<\/p>\n<table style=\"border-collapse:collapse;width:100%;\" border=\"1\" cellpadding=\"8\">\n<tr>\n<th>Financial Year<\/th>\n<th>Revenue (Rs Cr)<\/th>\n<th>Net Profit (Rs Cr)<\/th>\n<th>EPS (Rs)<\/th>\n<th>Dividend per Share (Rs)<\/th>\n<\/tr>\n<tr>\n<td>FY22<\/td>\n<td>20,005.31<\/td>\n<td>2,286.00<\/td>\n<td>43.12<\/td>\n<td>8.50<\/td>\n<\/tr>\n<tr>\n<td>FY23<\/td>\n<td>22,728.21<\/td>\n<td>2,891.17<\/td>\n<td>52.56<\/td>\n<td>8.50<\/td>\n<\/tr>\n<tr>\n<td>FY24<\/td>\n<td>27,277.80<\/td>\n<td>4,763.32<\/td>\n<td>86.60<\/td>\n<td>9.00<\/td>\n<\/tr>\n<tr>\n<td>FY25<\/td>\n<td>28,100.60<\/td>\n<td>5,442.70<\/td>\n<td>98.95<\/td>\n<td>10.00<\/td>\n<\/tr>\n<tr>\n<td>FY26<\/td>\n<td>28,843.49<\/td>\n<td>5,604.24<\/td>\n<td>101.87<\/td>\n<td>10.00<\/td>\n<\/tr>\n<\/table>\n<p>FY26 revenue growth was 2.6%, slower than the four-year average of 9.6%, and net profit moved up 3.0%. EPS rose from Rs 86.60 in FY24 to Rs 101.87 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Margins_and_the_Latest_Quarter\"><\/span><strong>Margins and the Latest Quarter<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>LIC Housing Finance converted 19.4% of FY26 revenue into net profit, against 19.4% in FY25, within a five-year range of 11.4% to 19.4%. EBITDA margin was 93.6% in FY26 versus 94.3% in FY25.<\/p>\n<p>In the June 2026 quarter, revenue was Rs 7,086 crore, down 1.4% from the same quarter a year earlier, while net profit of Rs 1,499 crore was up 9.9%. EBITDA came in at Rs 6,878 crore, up 1.5% year on year. The next quarterly result is the first test of whether the earnings assumption holds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Balance_Sheet_and_Cash_Flow\"><\/span><strong>Balance Sheet and Cash Flow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Debt to equity stands at 6.70, and shareholders&#8217; equity grew from Rs 24,754 crore in FY22 to Rs 41,433 crore in FY26. Operating cash flow in FY26 was negative at Rs 8,504 crore against capital expenditure of Rs 52.03 crore, leaving negative free cash flow of Rs 8,556 crore. In FY25 free cash flow was negative at Rs 17,051 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Valuation_Check_for_the_LIC_Housing_Finance_Stock_Target_PE_Price_to_Book_and_ROE\"><\/span><strong>Valuation Check for the LIC Housing Finance Stock Target: PE, Price to Book and ROE<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>At a PE of 5.15 against an industry PE of 17.72, LIC Housing Finance trades at a discount to its industry. Price to book is 0.71 on a book value of Rs 753.17 per share, and return on equity is 13.53%. A PE of 5.15 equals an earnings yield of 19.4%, and the FY26 dividend of Rs 10.00 per share gives a yield of 1.86%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Shareholding_Pattern_and_Institutional_Holding\"><\/span><strong>Shareholding Pattern and Institutional Holding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Promoters held 45.24% of LIC Housing Finance in June 2026, and promoter holding has stayed near 45.24% since June 2025. Foreign institutional investors (FII) held 21.47% and domestic institutions (DII) held 21.02%, which puts total institutional holding at 42.49%. FII holding rose from 20.26% in June 2025 to 21.47% in June 2026. Public shareholders own the remaining 12.27%. A meaningful institutional holding adds a layer of research coverage and trading depth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"LIC_Housing_Finance_Share_Price_Targets_for_the_Short_Term_and_12_Months\"><\/span><strong>LIC Housing Finance Share Price Targets for the Short Term and 12 Months<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Short_Term_LIC_Housing_Finance_Stock_Target_Levels_Technical_Setup\"><\/span><strong>Short Term LIC Housing Finance Stock Target Levels: Technical Setup<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>At Rs 552.95 on 9 October 2026, LIC Housing Finance trades above its 50-day simple moving average of Rs 530.23 and above its 200-day exponential moving average of Rs 541.13. The 14-day RSI reads 50.6, which is neutral territory, and the MACD line sits below its signal line. The nearest resistance level is Rs 598.20 (52-week high) and the nearest support is Rs 541.13 (200-day exponential moving average). A sustained move above Rs 598.20 would improve the short-term setup, while a close below Rs 541.13 would shift attention to the next support.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Month_LIC_Housing_Finance_Target_Price_for_2027\"><\/span><strong>12 Month LIC Housing Finance Target Price for 2027<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 12-month target for LIC Housing Finance is Rs 583: forward EPS of Rs 113.17 at a PE of 5.15. That is 5.4% above Rs 552.95. It would still leave the stock 2.5% below its 52-week high of Rs 598.20.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_EPS_Growth_and_PE_Multiple_Change_the_LIC_Housing_Finance_Target_Price\"><\/span><strong>How EPS Growth and PE Multiple Change the LIC Housing Finance Target Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table style=\"border-collapse:collapse;width:100%;\" border=\"1\" cellpadding=\"8\">\n<tr>\n<th>EPS Growth<\/th>\n<th>PE 4.12<\/th>\n<th>PE 5.15<\/th>\n<th>PE 5.92<\/th>\n<\/tr>\n<tr>\n<td>0.0% (EPS Rs 104.34)<\/td>\n<td>Rs 430<\/td>\n<td>Rs 537<\/td>\n<td>Rs 618<\/td>\n<\/tr>\n<tr>\n<td>8.5% (EPS Rs 113.17)<\/td>\n<td>Rs 466<\/td>\n<td>Rs 583<\/td>\n<td>Rs 670<\/td>\n<\/tr>\n<tr>\n<td>14.5% (EPS Rs 119.43)<\/td>\n<td>Rs 492<\/td>\n<td>Rs 615<\/td>\n<td>Rs 707<\/td>\n<\/tr>\n<\/table>\n<p>Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the LIC Housing Finance price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bull_Case_and_Downside_Risk_for_LIC_Housing_Finance_Stock_Target_in_2027\"><\/span><strong>Bull Case and Downside Risk for LIC Housing Finance Stock Target in 2027<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Bull_Case_Rs_707\"><\/span><strong>Bull Case Rs 707<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The bull case LIC Housing Finance price target needs EPS growth of 14.5%, which lifts forward EPS to Rs 119.43, and a PE multiple that rises 15% to 5.92. That gives Rs 707, 27.9% above the current price and above the 52-week high of Rs 598.20, so the stock would have to set a fresh 52-week high.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Downside_Risk_Level_Rs_430\"><\/span><strong>Downside Risk Level Rs 430<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The downside risk level is not a target. It assumes EPS stays flat at Rs 104.34 and the PE falls 20% to 4.12. That gives Rs 430, 22.2% below the current price and below the 52-week low of Rs 458.90.<\/p>\n<table style=\"border-collapse:collapse;width:100%;\" border=\"1\" cellpadding=\"8\">\n<tr>\n<th>Scenario<\/th>\n<th>EPS Growth<\/th>\n<th>PE Multiple<\/th>\n<th>Price (Rs)<\/th>\n<th>Change vs CMP<\/th>\n<\/tr>\n<tr>\n<td>Bull Case<\/td>\n<td>14.5%<\/td>\n<td>5.92<\/td>\n<td>Rs 707<\/td>\n<td>+27.9%<\/td>\n<\/tr>\n<tr>\n<td>Base Case<\/td>\n<td>8.5%<\/td>\n<td>5.15<\/td>\n<td>Rs 583<\/td>\n<td>+5.4%<\/td>\n<\/tr>\n<tr>\n<td>Downside Risk<\/td>\n<td>0.0%<\/td>\n<td>4.12<\/td>\n<td>Rs 430<\/td>\n<td>-22.2%<\/td>\n<\/tr>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_the_LIC_Housing_Finance_Target_Price_for_2027\"><\/span><strong>Key Risks to the LIC Housing Finance Target Price for 2027<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Growth_Slowdown_Risk_for_the_LIC_Housing_Finance_Price_Target\"><\/span><strong>Growth Slowdown Risk for the LIC Housing Finance Price Target<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Revenue in the June 2026 quarter was down 1.4% year on year, and FY26 revenue growth was 2.6%. A fall in sales would make the EPS growth behind the LIC Housing Finance stock target harder to reach.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Liquidity_and_Size_Risk\"><\/span><strong>Liquidity and Size Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>LIC Housing Finance has a market capitalisation of Rs 29,538 crore. Institutional holding is 42.49%, and promoters hold 45.24%. Stocks of this size are usually liquid, though exits can take longer than entries when the market is falling.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Valuation_and_Margin_Risk\"><\/span><strong>Valuation and Margin Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Net margin was 19.4% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 5.15 versus an industry PE of 17.72, a de-rating toward the downside-risk PE of 4.12 would cut the price even if earnings hold.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Market_and_Technical_Risk\"><\/span><strong>Market and Technical Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The stock trades 7.6% below its 52-week high, with an RSI of 50.6 and a MACD reading below its signal line. Broader market weakness can override company fundamentals in the short term.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Invest_in_LIC_Housing_Finance\"><\/span><strong>How to Invest in LIC Housing Finance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Start with the live price and volume. Any LIC Housing Finance share price target is only as current as the data behind it, and the data here is as of 9 October 2026, so refresh the Rs 552.95 price before acting on any level.<\/p>\n<p>Next, review the fundamentals yourself. The Univest Screener lets you check LIC Housing Finance&#8217;s PE, ROE, debt and shareholding in one place.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check LIC Housing Finance fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<p>Then compare the three LIC Housing Finance target price scenarios with your own view. If you expect EPS growth below 8.5%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.<\/p>\n<p>Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.<\/p>\n<p>Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.<\/p>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track LIC Housing Finance live price and get daily stock recommendations.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The LIC Housing Finance share price target for 2027 is Rs 583 in the base case, with Rs 707 as the bull case. The support for that view is arithmetic you can check: EPS grew 8.5% a year over FY24 to FY26, and the stock trades at a PE of 5.15. The risks are equally concrete, including a stock that sits 7.6% below its 52-week high and a downside scenario that cuts the price 22% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_LIC_Housing_Finance_Share_Price_Target_2027\"><\/span><strong>FAQs on LIC Housing Finance Share Price Target 2027<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_LIC_Housing_Finance_share_price_target_for_2027\"><\/span><strong>What is the LIC Housing Finance share price target for 2027?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The base-case LIC Housing Finance share price target for 2027 is Rs 583, with Rs 707 as the bull case. The downside risk level, which is not a target, is Rs 430. These are model estimates from reported earnings and the current PE, not guaranteed outcomes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_LIC_Housing_Finance_share_price_today\"><\/span><strong>What is the LIC Housing Finance share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> As of 9 October 2026, 3:29 PM IST, LIC Housing Finance trades at Rs 552.95, up 2.97% on the day. The 52-week range is Rs 458.90 to Rs 598.20.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_LIC_Housing_Finance_a_buy_or_sell_at_the_current_price\"><\/span><strong>Is LIC Housing Finance a buy or sell at the current price?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The data is mixed rather than one-sided: EPS has grown 8.5% a year over FY24 to FY26, but the stock is 7.6% below its 52-week high. Whether LIC Housing Finance fits your portfolio depends on your time horizon and risk appetite, so consult a SEBI-registered advisor before investing. This article is not investment advice.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_bull_case_target_and_downside_risk_level_for_LIC_Housing_Finance_shares\"><\/span><strong>What are the bull case target and downside risk level for LIC Housing Finance shares?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The bull case target is Rs 707, which assumes 14.5% EPS growth and a PE of 5.92. The downside risk level is Rs 430, which assumes flat EPS and a PE of 4.12. It marks a risk, not a target.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_main_risks_to_the_LIC_Housing_Finance_price_target\"><\/span><strong>What are the main risks to the LIC Housing Finance price target?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are slower revenue growth, a small market capitalisation of Rs 29,538 crore, a PE de-rating and short-term weakness in the broader market. Each is covered in the risk section above.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_LIC_Housing_Finance_and_how_does_it_compare_with_the_industry\"><\/span><strong>What is the PE ratio of LIC Housing Finance and how does it compare with the industry?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The PE ratio of LIC Housing Finance is 5.15 against an industry PE of 17.72. Price to book is 0.71 and return on equity is 13.53%. The base case in the LIC Housing Finance price target holds this PE constant.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_owns_LIC_Housing_Finance_and_what_is_the_promoter_holding\"><\/span><strong>Who owns LIC Housing Finance, and what is the promoter holding?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Promoters held 45.24% of LIC Housing Finance in June 2026. FII held 21.47%, DII held 21.02% and the public held 12.27%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_were_LIC_Housing_Finances_latest_quarterly_results\"><\/span><strong>What were LIC Housing Finance&#8217;s latest quarterly results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> In the June 2026 quarter, LIC Housing Finance reported revenue of Rs 7,086 crore (down 1.4% year on year) and net profit of Rs 1,499 crore (up 9.9%).<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the LIC Housing Finance share price target for 2027?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The base-case LIC Housing Finance share price target for 2027 is Rs 583, with Rs 707 as the bull case. The downside risk level, which is not a target, is Rs 430. 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Bull case, downside risk, earnings trend and risks explained. October 2026."],"rank_math_focus_keyword":["LIC Housing Finance share price target | Density Target: 1.2 to 1.5%"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/lic-housing-finance-share-price-target-2027-base-and-bull-targets-built-on-fy26.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/299935","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=299935"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/299935\/revisions"}],"predecessor-version":[{"id":299936,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/299935\/revisions\/299936"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/299934"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=299935"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=299935"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=299935"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}