{"id":345754,"date":"2026-11-13T09:32:08","date_gmt":"2026-11-13T04:02:08","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=345754"},"modified":"2026-11-13T09:32:08","modified_gmt":"2026-11-13T04:02:08","slug":"lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/","title":{"rendered":"LIC Housing Finance Share Price: 8.6% CAGR in 3 Years as the Home Loan Lender Compares With PNB Housing Finance and Home First"},"content":{"rendered":"<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-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#LIC_Housing_Finance_Share_Price_86_CAGR_in_3_Years_as_the_Home_Loan_Lender_Compares_With_PNB_Housing_Finance_and_Home_First\" title=\"LIC Housing Finance Share Price: 8.6% CAGR in 3 Years as the Home Loan Lender Compares With PNB Housing Finance and Home First\">LIC Housing Finance Share Price: 8.6% CAGR in 3 Years as the Home Loan Lender Compares With PNB Housing Finance and Home First<\/a><ul class='ez-toc-list-level-2' ><li class='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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#How_Much_Has_the_LIC_Housing_Finance_Share_Price_Returned_in_3_Years\" title=\"How Much Has the LIC Housing Finance Share Price Returned in 3 Years?\">How Much Has the LIC Housing Finance Share Price Returned in 3 Years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#LIC_Housing_Finance_vs_PNB_Housing_Finance_and_Home_First_Finance_3-Year_CAGR_Compared\" title=\"LIC Housing Finance vs PNB Housing Finance and Home First Finance: 3-Year CAGR Compared\">LIC Housing Finance vs PNB Housing Finance and Home First Finance: 3-Year CAGR Compared<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#Valuation_and_Quality_Compared\" title=\"Valuation and Quality Compared\">Valuation and Quality Compared<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#What_Is_Driving_the_LIC_Housing_Finance_Stock\" title=\"What Is Driving the LIC Housing Finance Stock?\">What Is Driving the LIC Housing Finance Stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#How_the_Established_Players_Stack_Up\" title=\"How the Established Players Stack Up\">How the Established Players Stack Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#What_Should_Investors_Track_Next\" title=\"What Should Investors Track Next?\">What Should Investors Track Next?<\/a><\/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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#How_to_Compare_Housing_Finance_Stocks_Yourself\" title=\"How to Compare Housing Finance Stocks Yourself\">How to Compare Housing Finance Stocks Yourself<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#The_Largest_Housing_Lender_in_the_Group_With_a_PE_Well_Below_the_Industry\" title=\"The Largest Housing Lender in the Group, With a P\/E Well Below the Industry\">The Largest Housing Lender in the Group, With a P\/E Well Below the Industry<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#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-12\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#What_is_the_3-year_CAGR_of_the_LIC_Housing_Finance_stock\" title=\"What is the 3-year CAGR of the LIC Housing Finance stock?\">What is the 3-year CAGR of the LIC Housing Finance stock?<\/a><\/li><li class='ez-toc-page-1 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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#Is_LIC_Housing_Finance_better_than_PNB_Housing_Finance\" title=\"Is LIC Housing Finance better than PNB Housing Finance?\">Is LIC Housing Finance better than PNB Housing Finance?<\/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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#What_does_LIC_Housing_Finance_do\" title=\"What does LIC Housing Finance do?\">What does LIC Housing Finance do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/lic-housing-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#Is_the_LIC_Housing_Finance_stock_debt_free\" title=\"Is the LIC Housing Finance stock debt free?\">Is the LIC Housing Finance stock debt free?<\/a><\/li><li class='ez-toc-page-1 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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#Is_LIC_Housing_Finance_expensive_compared_with_the_industry\" title=\"Is LIC Housing Finance expensive compared with the industry?\">Is LIC Housing Finance expensive compared with the industry?<\/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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#Which_housing_finance_stock_gave_the_highest_return_in_3_years\" title=\"Which housing finance stock gave the highest return in 3 years?\">Which housing finance stock gave the highest return in 3 years?<\/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-3-year-cagr-vs-housing-finance-peers-pnb-housing-home-first\/#How_do_I_calculate_CAGR_for_a_stock\" title=\"How do I calculate CAGR for a stock?\">How do I calculate CAGR for a stock?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"LIC_Housing_Finance_Share_Price_86_CAGR_in_3_Years_as_the_Home_Loan_Lender_Compares_With_PNB_Housing_Finance_and_Home_First\"><\/span><strong>LIC Housing Finance Share Price: 8.6% CAGR in 3 Years as the Home Loan Lender Compares With PNB Housing Finance and Home First<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>LIC Housing Finance previous close Rs 579. 3-year CAGR 8.6%. Up 1.3x since 10 Nov 2023. ROE 13.44%. Market cap Rs 31,741 crore.<\/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 <strong>LIC Housing Finance share price<\/strong> closed at Rs 579 on 12 November 2026, a compounded annual return of 8.6% over three years. That compares with PNB Housing Finance at 15.2% and Home First Finance at 5.5%. The company has a market cap of Rs 31,741 crore and a P\/E of 5.38 against an industry P\/E of 17.97.<\/p>\n<\/p><\/div>\n<p>The <strong>LIC Housing Finance share price<\/strong> has compounded at a steady pace over three years, and the stock trades at a P\/E well below the industry level and below its book value. LIC Housing Finance, based in Mumbai, is a home loan lender promoted by the Life Insurance Corporation of India.<\/p>\n<p>This article compares that record with PNB Housing Finance and Home First Finance. We calculate the three-year CAGR for all three and set the results beside market cap, valuation, return on equity and debt, using prices adjusted for corporate actions. Housing lenders borrow money to lend it on, so the debt figure is a normal part of the model rather than a warning sign.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=lic-housing-finance-share-price\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Has_the_LIC_Housing_Finance_Share_Price_Returned_in_3_Years\"><\/span><strong>How Much Has the LIC Housing Finance Share Price Returned in 3 Years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The LIC Housing Finance stock closed at Rs 451.95 on 10 November 2023 and at Rs 579.00 on 12 November 2026. Rs 1 lakh invested three years ago would have grown to about Rs 1.28 lakh, which is a CAGR of 8.6%. This is a price return and leaves out dividends.<\/p>\n<p>CAGR condenses a bumpy three-year ride into one yearly number, which is why it is the fairest way to compare companies of different sizes. A stock such as LIC Housing Finance can look spectacular on a chart and still have earned a modest yearly return, so the compounded figure keeps the comparison honest.<\/p>\n<p>The <strong>LIC Housing Finance share price<\/strong> has also followed steady demand for home loans, the company&#8217;s large loan book and the trust that buyers place in a lender linked to a large insurer.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"LIC_Housing_Finance_vs_PNB_Housing_Finance_and_Home_First_Finance_3-Year_CAGR_Compared\"><\/span><strong>LIC Housing Finance vs PNB Housing Finance and Home First Finance: 3-Year CAGR Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table ranks the companies by three-year CAGR. Prices on 10 November 2023 are adjusted for splits and bonuses, and the latest figures are the previous close on 12 November 2026.<\/p>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Close on 10 Nov 2023<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Previous close (12 Nov 2026)<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Price multiple<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">3-year CAGR<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">PNB Housing Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 743.60<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,135.40<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.5x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">15.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">LIC Housing Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 451.95<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 579.00<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.3x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">8.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Home First Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 930.85<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,093.70<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.2x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">5.5%<\/td>\n<\/tr>\n<\/table>\n<p>The LIC Housing Finance stock ranks second of the three at 8.6%. It sits ahead of Home First Finance (5.5%). The company ahead is PNB Housing Finance (15.2%). PNB Housing Finance leads the group on three-year CAGR, followed by LIC Housing Finance and Home First Finance. LIC Housing Finance is the largest of the three by market cap and earns the highest ROE.<\/p>\n<p>Look at the <strong>LIC Housing Finance share price<\/strong> alongside the peers as a snapshot of the last three years. It describes what happened, and valuation and earnings will decide what happens next.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valuation_and_Quality_Compared\"><\/span><strong>Valuation and Quality Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Market cap<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">ROE<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Debt to equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 31,741 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">5.38<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">17.97<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.44%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">6.50<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/pnbhousing\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 29,097 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">12.38<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">17.80<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">11.61%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">3.93<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/homefirst\/home-first-finance-company-india-ltd-share-price-today\">Home First Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 11,282 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">18.21<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">21.72<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.28%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">2.63<\/td>\n<\/tr>\n<\/table>\n<p>By market cap, LIC Housing Finance is the largest of the group at Rs 31,741 crore, which gives it the scale advantage over PNB Housing Finance, Home First Finance. On earnings, LIC Housing Finance shares trade at a P\/E of 5.38 against an industry P\/E of 17.97, a discount of about 70% to the sector, which leaves room if earnings keep growing. Peer multiples are PNB Housing Finance at 12.38 and Home First Finance at 18.21.<\/p>\n<p>Return on equity is 13.44% for the LIC Housing Finance stock, which ranks first among the three, and debt to equity stands at 6.50. Trailing EPS is Rs 107.20. Housing lenders are valued on the price to book ratio and the return on equity, so the P\/E should be read together with those two measures and the way the company funds its loans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Driving_the_LIC_Housing_Finance_Stock\"><\/span><strong>What Is Driving the LIC Housing Finance Stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC Housing Finance gives home loans to salaried and self-employed borrowers across the country, and it also lends to developers and against property. Home loans run for many years and are backed by the property itself, which can make the loan book steady.<\/p>\n<p>The company is promoted by the Life Insurance Corporation of India and funds itself through bonds, deposits and bank loans. Its debt to equity of 6.50 is the highest of the three, which reflects the model of a housing lender that borrows to fund long loans.<\/p>\n<p>Followers of the <strong>LIC Housing Finance share price<\/strong> usually track growth in home loan disbursals, the share of bad loans, the cost of borrowing and the price to book ratio.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_Established_Players_Stack_Up\"><\/span><strong>How the Established Players Stack Up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PNB Housing Finance is a housing finance company promoted by Punjab National Bank that gives home loans, loans against property and loans to builders. It compounded at 15.2% a year, on a market cap of Rs 29,097 crore and an ROE of 11.61%.<\/p>\n<p>Home First Finance is a Mumbai-based housing finance company that focuses on affordable home loans for first-time buyers. It compounded at 5.5% a year, on a market cap of Rs 11,282 crore and an ROE of 13.28%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Should_Investors_Track_Next\"><\/span><strong>What Should Investors Track Next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Three things are worth watching on the <strong>LIC Housing Finance share price<\/strong>. First, growth in home loan disbursals. Second, the cost of funds as interest rates change. Third, the share of bad loans.<\/p>\n<p>At a P\/E of 5, the stock trades well below the industry P\/E of 18, and its ROE is 13.44%. The price to book ratio of 0.72 is below one, so follow quarterly numbers closely.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live fundamentals of housing finance stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Compare_Housing_Finance_Stocks_Yourself\"><\/span><strong>How to Compare Housing Finance Stocks Yourself<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can repeat this exercise for any pair of stocks, including the LIC Housing Finance stock against its peers. Note the adjusted closing price on the base date, take the latest close, divide one by the other, raise the result to the power of one third and subtract one. Then place the CAGR next to market cap, P\/E against the industry P\/E, ROE and debt to equity. Benchmark the result against the <a href=\"https:\/\/univest.in\/indices\/nifty-50\/nifty-50-share-price-today\">Nifty 50<\/a> as well, so you know whether the stock beat the broader market.<\/p>\n<p>A stock that scores well on growth but weakly on quality, or the reverse, deserves closer study before it enters a portfolio. When tracking the <strong>LIC Housing Finance share price<\/strong>, the same four checks give a more complete picture than price alone.<\/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 the <strong>LIC Housing Finance share price<\/strong> and compare housing finance stocks live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Largest_Housing_Lender_in_the_Group_With_a_PE_Well_Below_the_Industry\"><\/span><strong>The Largest Housing Lender in the Group, With a P\/E Well Below the Industry<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>LIC Housing Finance share price<\/strong> compounded at 8.6% a year over three years, ahead of Home First Finance at 5.5% and behind PNB Housing Finance at 15.2%. Its market cap of Rs 31,741 crore is the largest of the three, its ROE of 13.44% is the highest and its P\/E of 5.38 is the lowest.<\/p>\n<p>PNB Housing Finance brings the faster run, while Home First Finance brings a focus on affordable housing. LIC Housing Finance brings size and the lowest valuation. The choice depends on which housing lender you prefer.<\/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=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/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_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> LIC Housing Finance closed at Rs 579 on 12 November 2026, according to NSE data. It has a market cap of Rs 31,741 crore and a P\/E of 5.38. Check live quotes before acting, as prices change every trading day.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_3-year_CAGR_of_the_LIC_Housing_Finance_stock\"><\/span><strong>What is the 3-year CAGR of the LIC Housing Finance stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing Finance delivered a price CAGR of 8.6% over three years, moving from Rs 451.95 on 10 November 2023 to Rs 579.00 on 12 November 2026. The figure excludes dividends and uses adjusted closing prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_LIC_Housing_Finance_better_than_PNB_Housing_Finance\"><\/span><strong>Is LIC Housing Finance better than PNB Housing Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance delivered a higher three-year CAGR at 15.2% than LIC Housing Finance at 8.6%. LIC Housing Finance is larger by market cap at Rs 31,741 crore against Rs 29,097 crore, trades at a lower P\/E of 5.38 against 12.38 and has a higher ROE at 13.44% against 11.61%. The better choice depends on your view of each business.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_LIC_Housing_Finance_do\"><\/span><strong>What does LIC Housing Finance do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing Finance is a Mumbai-based home loan lender promoted by the Life Insurance Corporation of India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_LIC_Housing_Finance_stock_debt_free\"><\/span><strong>Is the LIC Housing Finance stock debt free?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The debt to equity ratio of the LIC Housing Finance stock is 6.50 and its return on equity is 13.44%. Always check the latest balance sheet for current figures, as debt levels change with expansion plans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_LIC_Housing_Finance_expensive_compared_with_the_industry\"><\/span><strong>Is LIC Housing Finance expensive compared with the industry?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing Finance trades at a P\/E of 5.38 against an industry P\/E of 17.97. A higher multiple reflects expectations of faster growth, which the company must deliver through earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_housing_finance_stock_gave_the_highest_return_in_3_years\"><\/span><strong>Which housing finance stock gave the highest return in 3 years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Among the companies compared here, PNB Housing Finance delivered the highest three-year CAGR at 15.2%, followed by LIC Housing Finance at 8.6%. Past returns do not guarantee future performance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_calculate_CAGR_for_a_stock\"><\/span><strong>How do I calculate CAGR for a stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Divide the latest price by the starting price, raise the result to the power of one divided by the number of years, and subtract one. Multiply by 100 for a percentage. Use split and bonus adjusted prices for accurate results.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the LIC Housing Finance share price today?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"LIC Housing Finance closed at Rs 579 on 12 November 2026, according to NSE data. It has a market cap of Rs 31,741 crore and a P\/E of 5.38. 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See how it compares with PNB Housing Finance and Home First on returns and ROE.<\/p>\n","protected":false},"author":35,"featured_media":345753,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[21967,7718,23108,23107],"class_list":["post-345754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-housing-finance-stocks-3-year-return","tag-lic-housing-finance-share-price","tag-lic-housing-finance-stock","tag-lic-housing-finance-vs-pnb-housing-finance"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["345753"],"rank_math_title":["LIC Housing Finance Share Price: 8.6% CAGR vs PNB Housing"],"rank_math_description":["LIC Housing Finance share price compounded at 8.6% a year over 3 years. See how it compares with PNB Housing Finance and Home First on returns and ROE."],"rank_math_focus_keyword":["LIC Housing Finance share price | Density Target: 1.2-1.5%"],"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\/11\/lic-housing-finance-share-price-8-6-cagr-in-3-years-as-the-home-loan-lender.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/345754","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\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=345754"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/345754\/revisions"}],"predecessor-version":[{"id":345755,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/345754\/revisions\/345755"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/345753"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=345754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=345754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=345754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}