LIC Housing Finance Share Price Prediction 2027: Scenario Targets, Valuation and Technical Outlook

LIC Housing Finance share price prediction 2027 comes down to earnings growth and the multiple investors pay for it, and the reported numbers give a measured answer. The stock trades at Rs 550.25 on NSE as of 9 October 2026, 8.0% below its 52-week high of Rs 598.20, after the company reported net profit of Rs 5,604.24 crore for FY26.

This LIC Housing Finance stock forecast 2027 builds conservative, base and bull scenarios from exchange-reported financials, shareholding data and daily price indicators, with every assumption shown.

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LIC Housing Finance Share Price Today and Key Data

The LIC Housing Finance share price today is Rs 550.25 on NSE, up 2.47% on the day. The market capitalisation stands at Rs 29,538 crore. Over the past year the price has fallen 1.8% from Rs 560.50. Every LIC Housing Finance stock forecast figure below starts from this price.

Metric	Value
Company	LIC Housing Finance (LICHSGFIN)
Current Price	Rs 550.25
52-Week High	Rs 598.20 (11 May 2026)
52-Week Low	Rs 458.90 (23 March 2026)
Market Cap	Rs 29,538 crore
PE Ratio	5.15
Industry PE	17.72
PB Ratio	0.71
EPS (TTM)	Rs 104.34
Return on Equity	13.53%
Debt to Equity	6.70
Dividend Yield	1.86%
Book Value per Share	Rs 753.17

What Is the LIC Housing Finance Share Price Prediction for 2027?

The LIC Housing Finance share price prediction for 2027 is a conservative case of Rs 566, a base case of Rs 624 and a bull case of Rs 785. Against Rs 550.25, these imply 2.9% upside, 13.4% upside and 42.7% upside. They are model scenarios built from reported EPS growth, not broker targets.

Scenario	EPS Growth Basis	EPS Estimate	PE Multiple	Implied Value	Upside vs Current Price
Conservative Case	Lower of FY26 growth (3.0%) and 4-year CAGR (24.0%)	Rs 107.42 (+3.0%)	Unchanged from today (price to EPS ratio kept constant)	Rs 566	+2.9%
Base Case	Average of the two	Rs 118.39 (+13.5%)	Unchanged from today (price to EPS ratio kept constant)	Rs 624	+13.4%
Bull Case	Higher of the two	Rs 129.36 (+24.0%)	Re-rated 15.0% toward industry PE of 17.72 (still at or below it)	Rs 785	+42.7%

Each target takes today's price of Rs 550.25 and scales it by the EPS growth assumed for that case, which is the same as holding the PE multiple constant. The conservative case uses the lower of the FY26 EPS growth and the 4-year EPS CAGR, the base case uses their average and the bull case uses the higher figure. The bull case also re-rates the PE multiple toward the industry level, because the stock trades below it. Together they form the LIC Housing Finance target price range for the FY27 outlook over the next 12 months, and the range is not a point estimate.

LIC Housing Finance Share Price Forecast: What Has to Go Right by 2027

Each LIC Housing Finance target price below depends on a specific EPS outcome, and the text states that outcome next to the number.

Conservative Case for the LIC Housing Finance Share Price Target: Rs 566

Reaching Rs 566 needs EPS to rise 3.0% to Rs 107.42 while the stock keeps its current PE multiple. That matches the FY26 EPS growth of 3.0%.

Base Case for the LIC Housing Finance Share Price Target: Rs 624

Reaching Rs 624 needs EPS to rise 13.5% to Rs 118.39, the average of the FY26 growth rate and the 4-year CAGR. Net profit growth of 9.9% in Q1 FY27 is below that pace, so earnings need to speed up to reach this level.

Bull Case for the LIC Housing Finance Share Price Target: Rs 785

Reaching Rs 785 needs EPS to rise 24.0% to Rs 129.36 and the PE multiple to re-rate 15.0% toward the industry PE. That is above the 52-week high of Rs 598.20, so it would need a fresh breakout. A daily close above the nearest resistance level of Rs 551.94 (Supertrend) would be the first technical confirmation.

LIC Housing Finance Financial Performance: Revenue, Profit and Margins

LIC Housing Finance earned net profit of Rs 5,604.24 crore on revenue of Rs 28,843.49 crore in FY26, with profit up 3.0% and revenue up 2.6% compared with FY25. Diluted EPS was Rs 101.87 against Rs 98.95 a year earlier, and that earnings base anchors the LIC Housing Finance share price forecast.

Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Operating Margin	Net Margin
FY22	20,005.31	2,286.00	43.12	84.95%	11.43%
FY23	22,728.21	2,891.17	52.56	86.96%	12.72%
FY24	27,277.80	4,763.32	86.60	89.90%	17.46%
FY25	28,100.60	5,442.70	98.95	94.33%	19.37%
FY26	28,843.49	5,604.24	101.87	93.58%	19.43%

In the latest reported quarter, Q1 FY27 (quarter ended June 2026), revenue was Rs 7,085.58 crore against Rs 7,186.47 crore a year earlier (-1.4%), and the bottom line was a net profit of Rs 1,499.03 crore against a net profit of Rs 1,364 crore (+9.9%). Operating margin was 97.32% versus 94.61% in the year-ago quarter. Cash flow from operations was Rs -8,503.83 crore in FY26 against Rs -16,977.97 crore in FY25. Together these figures set the earnings base for the LIC Housing Finance share price prediction.

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Is LIC Housing Finance Overvalued or Undervalued Right Now?

LIC Housing Finance trades at a PE of 5.15 against an industry PE of 17.72, which places the stock at a 70.9% discount to the industry average. The price-to-book ratio is 0.71 on a book value of Rs 753.17 per share. Return on equity of 13.53% means the company earns Rs 13.53 of profit for every Rs 100 of shareholder equity.

Debt to equity is 6.70, so borrowings equal about 670% of shareholder equity. The company declared a dividend of Rs 10.00 per share for FY26, a yield of 1.86% at the current price. This valuation context frames the LIC Housing Finance stock price prediction for 2027 without relying on any outside forecast.

LIC Housing Finance Stock Analysis: Technical Outlook

LIC Housing Finance stock trades above its 50-day SMA of Rs 530.24 and above its 200-day EMA of Rs 541.66, and the combined daily indicators read neutral. The 52-week high of Rs 598.20 was set on 11 May 2026, while the 52-week low of Rs 458.90 came on 23 March 2026.

Indicator	Reading	Signal
RSI (14)	50.70	Neutral
MACD (12,26,9)	-3.15 vs signal -0.53	Bearish
ADX (14)	25.77	Established trend
Supertrend (10,3)	Price below Rs 551.94	Bearish
50-day SMA	Rs 530.24	Price above
200-day EMA	Rs 541.66	Price above

The nearest support level sits at Rs 541.66 (200-day EMA) and Rs 530.24 (50-day SMA). The nearest resistance level sits at Rs 551.94 (Supertrend) and Rs 598.20 (52-week high). A sustained move above the nearest resistance would support the LIC Housing Finance share price prediction 2027 base case, and this LIC Housing Finance stock analysis uses daily candles only. Chart signals add context to the LIC Housing Finance share price target without changing the earnings maths.

LIC Housing Finance Shareholding Pattern

Promoters hold 45.24% of LIC Housing Finance as of Jun 2026, unchanged across the last 5 quarters. FII holding is 21.47% (up from 20.26% in Jun 2025) and DII holding is 21.02% (down from 22.20% in Jun 2025), which puts combined institutional holding at 42.49%. Public shareholders own 12.27%. Shareholding data is one input for any LIC Housing Finance stock forecast.

Key Risks to the LIC Housing Finance Share Price Target for 2027

Earnings and Margin Risk

Operating margin has ranged from 84.95% to 94.33% between FY22 and FY26, so a slip toward the lower end would trim the EPS estimate behind the LIC Housing Finance stock forecast. Revenue was up 2.6% in FY26, and slower revenue growth would weigh on the profit path.

Size and Liquidity Risk

Market capitalisation stands at Rs 29,538 crore. Investors should check daily traded volumes and order book depth on NSE before sizing a position, because price moves can be sharper when volumes thin out. Liquidity is a practical constraint on any LIC Housing Finance stock price target.

Balance Sheet Risk

Debt to equity of 6.70 means borrowings stand at about 670% of shareholder equity. A rise in borrowing costs or a jump in debt would weigh on profit and on the multiple behind the LIC Housing Finance share price forecast.

Conclusion

This LIC Housing Finance stock analysis puts the share price target range for 2027 at Rs 566 to Rs 785, with a base case of Rs 624 against Rs 550.25 today. The inputs are a PE of 5.15 that sits at a 70.9% discount to the industry average, EPS growth of 3.0% in FY26 and a daily technical setup that reads neutral. The next quarterly result will show which scenario is gaining ground. This analysis is educational, so consult a SEBI-registered advisor before acting on it.

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Frequently Asked Questions on LIC Housing Finance Share Price Prediction 2027

What is the LIC Housing Finance share price target for 2027?

Ans. The LIC Housing Finance share price forecast for 2027 has a conservative case of Rs 566, a base case of Rs 624 and a bull case of Rs 785. These are model scenarios based on reported EPS growth, and they are not guaranteed outcomes.

What is the LIC Housing Finance share price today?

Ans. LIC Housing Finance trades at Rs 550.25 on NSE as of 9 October 2026, up 2.47% on the day. The 52-week range is Rs 458.90 to Rs 598.20.

Is LIC Housing Finance a good stock to buy for 2027?

Ans. The data points in different directions: the PE of 5.15 is at a 70.9% discount to the industry average, EPS grew 3.0% in FY26 and the daily technical setup reads neutral. This article does not constitute investment advice, so consult a SEBI-registered advisor before deciding.

Can LIC Housing Finance stock reach Rs 785 in 2027?

Ans. Reaching Rs 785 needs EPS to rise 24.0% from Rs 104.34 and the PE multiple to re-rate toward the industry PE of 17.72, plus a daily close above Rs 551.94 (Supertrend). This is a scenario, not a guarantee.

What are the support and resistance levels for LIC Housing Finance?

Ans. The nearest support levels are Rs 541.66 (200-day EMA) and Rs 530.24 (50-day SMA), and the nearest resistance levels are Rs 551.94 (Supertrend) and Rs 598.20 (52-week high).

What are the main risks for LIC Housing Finance stock in 2027?

Ans. The main risks to the LIC Housing Finance share price forecast are a fall in operating margin from the 84.95% to 94.33% range seen since FY22, slower revenue growth after FY26 revenue was up 2.6%, and thin trading volumes. Debt to equity of 6.70 adds balance sheet sensitivity.

How is the LIC Housing Finance target price for 2027 calculated?

Ans. Each target scales the current price by assumed EPS growth at a constant PE multiple. The conservative case uses 3.0% growth, the base case 13.5% and the bull case 24.0%, all drawn from the company's reported FY26 and 4-year EPS growth.