Is LIC Housing Finance the Best Stock in Its Sector? A Look at the Numbers

LIC Housing Finance CMP Rs 568 (13 Oct 2026). Market cap Rs 31,183 Cr. ROE 13.53%. P/E 5.43x versus Industry P/E 17.58x.

Updated: 13 Oct 2026 • 9:30 am

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Is LIC Housing Finance the Best Stock in Its Sector? A Look at the Numbers

Quick Answer

LIC Housing Finance is one of the names investors compare when screening the Finance sector, built on a 13.53% return on equity and a P/E of 5.43x against an Industry P/E of 17.58x. Whether LIC Housing Finance is the best stock in its sector depends on whether an investor is optimising for return ratios, valuation, or both. This article breaks down the metrics, including a comparison against named Finance sector peers, so you can judge that for yourself.

Is LIC Housing Finance the best stock in its sector? The stock trades on the NSE at Rs 568 as of 13 October 2026, within its 52-week range of Rs 458.90 to Rs 598.20. LIC Housing Finance Ltd, headquartered in Mumbai, is a housing finance company promoted by Life Insurance Corporation of India, offering home loans and related products.

LIC Housing Finance sits in the Finance sector, and its 13.53% ROE and 5.43x P/E give a starting point for judging where it stands against comparable listed names. The rest of this article compares those numbers against verified peers and the sector's Industry P/E benchmark.

Also read – Is Abbott India the Best Stock in Its Sector? A Look at the Numbers

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Table of Contents

About LIC Housing Finance

LIC Housing Finance Ltd, headquartered in Mumbai, is a housing finance company promoted by Life Insurance Corporation of India, offering home loans and related products. Home loans are its core business. The stock trades about 5 percent below its 52-week high and about 24 percent above its 52-week low. At a market capitalisation of Rs 31,183 Cr, it is tracked as part of the Finance sector on Univest.

Is LIC Housing Finance the Best Stock in Its Sector?

LIC Housing Finance makes its case as the best stock in its sector primarily on valuation relative to its Industry P/E, combining a 13.53% ROE with a 5.43x P/E against the sector's 17.58x Industry P/E. LIC Housing Finance's 5.43x P/E is far below the 17.58x Industry P/E and the lowest in the peer table, with a 13.53% ROE and a 0.75 P/B, though a debt to equity ratio of 6.70 is the highest of the three housing lenders.

Metric	LIC Housing Finance
CMP (NSE)	Rs 568.00
52-Week High / Low	Rs 598.20 / Rs 458.90
Market Cap	Rs 31,183 Cr
P/E (TTM) vs Industry P/E	5.43x vs 17.58x
P/B	0.75
ROE	13.53%
EPS (TTM)	Rs 104.34
Dividend Yield	1.77%
Debt to Equity	6.70

Compare LIC Housing Finance Against Other Finance Sector Stocks

How LIC Housing Finance Compares Against Its Finance Sector Peers

The table below sets LIC Housing Finance against 2 other Finance sector names, using the same live data source for every company. A peer average row is included for P/E, ROE and debt to equity, calculated across the 2 peer companies.

Company	Market Cap (Rs Cr)	P/E	ROE	Debt to Equity
LIC Housing Finance	31,183	5.43	13.53%	6.70
PNB Housing Finance	31,265	13.50	11.92%	3.70
Can Fin Homes	9,789	8.49	17.97%	6.09
Peer average (2 companies)	-	11.00	14.95%	4.89

Against this peer set, LIC Housing Finance's 13.53% ROE is below the 14.95% peer average, and its P/E of 5.43x runs below the peer average of 11.00x. LIC Housing Finance's 5.43x P/E is far below the 17.58x Industry P/E and the lowest in the peer table, with a 13.53% ROE and a 0.75 P/B, though a debt to equity ratio of 6.70 is the highest of the three housing lenders.

What Makes LIC Housing Finance Worth Watching in Finance

Deep discount: A 5.43x P/E against a 17.58x Industry P/E sits far below the sector benchmark.
Below book value: A P/B of 0.75 means the stock trades below its book value.
High leverage: A debt to equity ratio of 6.70 is higher than PNB Housing Finance at 3.70 and Can Fin Homes at 6.09.

LIC Housing Finance Valuation: Is It Justified?

LIC Housing Finance's 5.43x P/E is far below the 17.58x Industry P/E and the lowest in the peer table, with a 13.53% ROE and a 0.75 P/B, though a debt to equity ratio of 6.70 is the highest of the three housing lenders. As with any single stock, investors should weigh this against their own valuation discipline and risk appetite rather than the sector label alone.

Also read – Is Bharat Electronics the Best Stock in Its Sector? A Look at the Numbers

Download the Univest iOS App or Univest Android App to track LIC Housing Finance and other Finance sector stocks.

How to Track LIC Housing Finance Before You Invest

Before deciding whether LIC Housing Finance deserves its label as the best stock in its sector for your own portfolio, compare it directly against Finance sector peers using the steps below.

Open the Univest Screener and search for LIC Housing Finance to view live price, valuation ratios, and peer comparisons within the Finance sector.
Compare its P/E, P/B, and ROE against other Finance sector stocks before deciding if the current valuation fits your strategy.
Set a price alert around key support and resistance zones using the Univest app so you are notified of meaningful moves.
Open a broking account on Univest if you decide to add the stock, and size the position based on your own risk appetite and portfolio allocation.

Conclusion

LIC Housing Finance earns a place in the best stock in its sector conversation on the strength of a 13.53% ROE and a P/E of 5.43x against a 17.58x Industry P/E, with named peer comparisons in this article backing up that picture. As with any individual stock decision, this analysis is educational and investors should do their own research or consult a SEBI-registered advisor before investing.

Disclaimer: 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).

Is LIC Housing Finance the best stock in its sector?

Ans. LIC Housing Finance has a 13.53% ROE and trades at 5.43x P/E against a 17.58x Industry P/E, and compares below the peer average ROE of 14.95% in this article's named comparison, so the answer depends on what an investor is prioritising.

What is the current share price of LIC Housing Finance?

Ans. LIC Housing Finance was trading at Rs 568.00 on the NSE as of 13 October 2026, within its 52-week range of Rs 458.90 to Rs 598.20.

What sector does LIC Housing Finance belong to?

Ans. LIC Housing Finance is classified under the Finance sector on Univest.

How does LIC Housing Finance compare to its sector peers on P/E?

Ans. LIC Housing Finance's P/E of 5.43x is below the 11.00x average of the 2 named peers compared in this article.

What is LIC Housing Finance's return on equity?

Ans. LIC Housing Finance reported a return on equity of 13.53%, which is below the 14.95% average of its named peers in this comparison.

Should I invest in LIC Housing Finance based on its sector position?

Ans. LIC Housing Finance's sector position and metrics make it worth researching further, but any investment decision should factor in your own risk appetite, its valuation relative to peers, and independent research or advice from a SEBI-registered advisor.

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