LIC Housing Share Price in Focus After Q1 Results Show 5% Profit Growth, Improved Asset Quality

Market Performance

LIC Housing Finance shares are drawing attention on August 4 following the announcement of its financial results for the April–June quarter of FY26.

• The stock has declined by 5% year-to-date.
• In contrast, the Nifty 50 index has registered a 3% gain during the same period.
• This underperformance has made LIC Housing’s stock movement noteworthy among financial sector investors.

Main News

LIC Housing Finance Ltd. has reported a steady performance in the first quarter of FY26, marked by a 5% YoY increase in net profit and a significant improvement in asset quality.

This development places the LIC Housing share price under the spotlight in today’s trading session.

Company Details

LIC Housing Finance is among India's leading housing finance companies. It caters primarily to the home loan market, with a notable presence in both individual and project loan segments.

The Q1 performance reflects a cautious demand environment, despite earlier repo rate cuts by the Reserve Bank of India.

Financial Highlights for Q1 FY26

Revenue

• Total income rose to ₹7,233 crore, compared to ₹6,784 crore in Q1 FY25.

Total Expenses

• Expenses increased to ₹5,534 crore from ₹5,155 crore during the same period last year.

Net Profit

• Net profit registered a 5% YoY growth, reaching ₹1,360 crore from ₹1,300 crore.

Asset Quality

• Gross NPA ratio improved to 2.62%, down from 3.29% in June 2024.
• Net NPA also declined to 1.3%, compared to 1.68% a year ago.

Disbursement Trends

• Total disbursements stood at ₹13,116 crore, showing a 2% increase YoY.
• Home loan disbursements rose 3%, reaching ₹11,247 crore.
• Project loan disbursements saw a sharp fall to ₹156 crore, down from ₹521 crore in Q1 FY25.

Summary

LIC Housing Finance reported a steady and moderate financial performance in the first quarter of FY26.

• Net profit up by 5% YoY
• Asset quality shows marked improvement
• Revenue growth supported by increased home loan disbursements
• Project loan segment witnessed a notable decline

While the LIC Housing share price has lagged broader indices in 2025, the company’s Q1 performance signals improved financial health and operational efficiency.