AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 24 analysts
Fundamentals
Fundamentals institutional score is 56 using growth durability 55.9.
Valuation
Valuation institutional score is 81 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 54 using mean target upside 17.3%; dispersion penalty 18.3; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 43 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 2 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. valuation provide support, while analyst consensus and technical structure remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 11.6% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -0.91). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹108.88. Applying the stock's normalized valuation corridor produces a fair range of ₹503.03 to ₹680.50, with base value near ₹592.31 (+18.0% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹108.88
Forward P/E
4.6x
Base Fair Value
₹592.31
Fair Range
₹503.03 - ₹680.50
Upside To Base
+18.0%
Estimate Source
Live forward EPS
Growth Estimate
+9.9%
5Y Average
0.81
Current
0.67
Overvalued
0.93
Undervalued
0.68
5Y Average
4.68
Current
4.81
Overvalued
6.25
Undervalued
4.62
5Y Average
3.05
Current
3.14
Overvalued
3.51
Undervalued
2.59
Peers & Comparison
Sector: Financials · Theme: Home Financing
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
APTUS VALUE HSG FIN I LTD APTUSHome Financing | +16.8% | 61.8% | 13.1x Undervalued | -29% vs avg | -26.5% |
AADHAR HOUSING FINANCE L AADHARHFCConsumer Finance | +19.6% | 48.2% | 19.5x Fair | +5% vs avg | -0.9% |
BAJAJ HOUSING FINANCE LTD BAJAJHFLConsumer Finance | +19.2% | 63.2% | 26.4x Premium | +43% vs avg | -24.3% |
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing | +30.4% | 32.6% | 28.4x Premium | +54% vs avg | +58.8% |
PNB HOUSING FIN LTD. PNBHOUSINGHome Financing | +5.8% | 61.4% | 12.8x Undervalued | -31% vs avg | +49.8% |
SAMMAAN CAPITAL LIMITED SAMMAANCAPHome Financing | — | 0.0% | — | — | +35.8% |
AAVAS FINANCIERS LIMITED AAVASHome Financing | +16.9% | 42.5% | 15.8x Fair | -15% vs avg | -18.7% |
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing | +21.8% | 48.0% | 13.7x Undervalued | -26% vs avg | -30.4% |
LIC HOUSING FINANCE LTD trades at a discount (4.8x vs peer avg 18.5x), suggesting potential undervaluation relative to the Home Financing cohort. Peers include APTUS VALUE HSG FIN I LTD, AADHAR HOUSING FINANCE L, BAJAJ HOUSING FINANCE LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹7.06K CrJun 2026Latest net profit
₹1.49K CrJun 2026Free cash flow
₹-8.59K CrMar 2026Net Profit
₹1.49K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 6,747 | 6,753 | 6,792 | 6,936 | 6,784 | 6,926 | 7,057 | 7,281 | 7,169 | 7,163 | 7,184 | 7,077 | 7,062 |
| Interest | 4,494 | 4,600 | 4,646 | 4,650 | 4,750 | 4,880 | 4,951 | 4,952 | 5,048 | 4,995 | 4,943 | 4,787 | 4,948 |
| Expenses + | 585 | 666 | 680 | 793 | 384 | 365 | 288 | 534 | 398 | 439 | 466 | 325 | 200 |
| Financing Profit | 1,667 | 1,486 | 1,466 | 1,493 | 1,650 | 1,681 | 1,817 | 1,795 | 1,723 | 1,730 | 1,775 | 1,964 | 1,914 |
| Financing Margin % | 25% | 22% | 22% | 22% | 24% | 24% | 26% | 25% | 24% | 24% | 25% | 28% | 27% |
| Other Income + | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | 3 |
| Depreciation | 18 | 12 | 17 | 17 | 22 | 23 | 24 | 25 | 24 | 31 | 33 | 30 | 29 |
| Profit before tax | 1,649 | 1,480 | 1,449 | 1,476 | 1,628 | 1,664 | 1,793 | 1,770 | 1,699 | 1,705 | 1,743 | 1,934 | 1,888 |
| Tax % | 20% | 20% | 20% | 26% | 20% | 20% | 20% | 23% | 20% | 21% | 21% | 23% | 21% |
| Net Profit + | 1,324 | 1,188 | 1,163 | 1,091 | 1,300 | 1,329 | 1,432 | 1,368 | 1,360 | 1,354 | 1,384 | 1,497 | 1,488 |
| EPS in Rs | 24.06 | 21.60 | 21.14 | 19.83 | 23.64 | 24.16 | 26.03 | 24.87 | 24.72 | 24.61 | 25.16 | 27.22 | 27.06 |
| Gross NPA % | 4.98% | 4.33% | 4.26% | 3.31% | 3.29% | 3.05% | 2.74% | 2.47% | 2.62% | 2.51% | 2.45% | 2.15% | |
| Net NPA % | 2.99% | 2.59% | 2.24% | 1.63% | 1.68% | 1.57% | 1.46% | 1.22% | 1.30% | 1.19% | 1.13% | 1.08% | |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Intimation And Notice Of 37Th Annual General Meeting Of The Company
Appointment Of Ms. Varsha Hardasani As Company Secretary Of LICHFL Care Homes Limited (Additional Charge)