LIC Housing Finance (BOM:500253) E10: ₹76.40 (As of Mar. 2026)


BOM:500253 LIC Housing Finance Ltd BOM:500253
76 GF Score
Price ₹553.65
GF Value ₹607.60
Valuation Fairly Valued
! 2 Warning Signs
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What is LIC Housing Finance E10?

LIC Housing Finance BOM:500253 +0.18% 76 E10 is ₹76.40 as of Mar. 2026. GuruFocus rates BOM:500253 with a GF Score™ of 76/100 and a GF Value™ of ₹607.60 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

LIC Housing Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹27.130. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹76.40 for the trailing ten years ended in Mar. 2026.

During the past 12 months, LIC Housing Finance's average E10 Growth Rate was 9.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-05), LIC Housing Finance's current stock price is ₹553.65. LIC Housing Finance's E10 for the quarter that ended in Mar. 2026 was ₹76.40. LIC Housing Finance's Shiller PE Ratio of today is 7.25.

During the past 13 years, the highest Shiller PE Ratio of LIC Housing Finance was 9.53. The lowest was 6.49. And the median was 7.88.


LIC Housing Finance  (BOM:500253) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

LIC Housing Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=553.65/76.40
=7.25

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of LIC Housing Finance was 9.53. The lowest was 6.49. And the median was 7.88.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


LIC Housing Finance E10 Related Terms


LIC Housing Finance E10 Historical Data

* Premium members only.

The historical data trend for LIC Housing Finance's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

LIC Housing Finance E10 Chart

LIC Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 69.61 76.40

LIC Housing Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 69.61 71.55 73.58 74.93 76.40

BOM:500253 vs RKT, FNMA, PFSI: E10 Comparison

For the Mortgage Finance subindustry, LIC Housing Finance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


LIC Housing Finance Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, LIC Housing Finance's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where LIC Housing Finance's Shiller PE Ratio falls into.


BOM:500253
76GF Score
LIC Housing Finance Ltd BOM:500253
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

LIC Housing Finance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, LIC Housing Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=27.13/164.2724*164.2724
=27.130

Current CPI (Mar. 2026) = 164.2724.

LIC Housing Finance Quarterly Data

per share eps CPI Adj_EPS
201103 0.000 70.768 0.000
201203 0.000 76.889 0.000
201303 0.000 85.687 0.000
201403 0.000 91.425 0.000
201503 0.000 97.163 0.000
201603 0.000 102.518 0.000
201703 0.000 105.196 0.000
201803 0.000 109.786 0.000
201806 11.237 111.317 16.583
201809 11.160 115.142 15.922
201812 12.030 115.142 17.163
201903 13.799 118.202 19.177
201906 12.020 120.880 16.335
201909 15.220 123.175 20.298
201912 11.930 126.235 15.525
202003 8.410 124.705 11.078
202006 16.330 127.000 21.123
202009 15.650 130.118 19.758
202012 14.290 130.889 17.935
202103 8.050 131.771 10.036
202106 2.990 134.084 3.663
202109 4.540 135.847 5.490
202112 15.280 138.161 18.168
202203 19.890 138.822 23.536
202206 16.850 142.347 19.445
202209 5.660 144.661 6.427
202212 8.400 145.763 9.467
202303 21.643 146.865 24.208
202306 23.980 150.280 26.213
202309 21.700 151.492 23.531
202312 21.250 152.924 22.827
202403 19.600 153.035 21.039
202406 23.750 155.789 25.043
202409 24.140 157.882 25.117
202412 26.090 158.323 27.070
202503 24.970 157.552 26.035
202506 24.800 159.755 25.501
202509 24.530 162.289 24.830
202512 25.420 163.281 25.574
202603 27.130 164.272 27.130

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹76.40 mean?
LIC Housing Finance (BOM:500253) has a E10 of ₹76.40 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on LIC Housing Finance and its competitors.
Is LIC Housing Finance's E10 too high?
LIC Housing Finance's current E10 is ₹76.40. Overall, LIC Housing Finance has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LIC Housing Finance's E10 compare to RKT and FNMA?
LIC Housing Finance's E10 of ₹76.40 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on LIC Housing Finance and its competitors. LIC Housing Finance's current E10 is ₹76.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, LIC Housing Finance (BOM:500253) is currently considered Fairly Valued. The stock's GF Value™ is ₹607.60, compared to a current price of ₹553.65 — trading 8.9% below its estimated fair value. The current E10 is ₹76.40. LIC Housing Finance's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For LIC Housing Finance (BOM:500253), the current E10 is ₹76.40 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is LIC Housing Finance (BOM:500253) Overvalued in 2026?

Based on GuruFocus' analysis, LIC Housing Finance stock appears to be undervalued. The current stock price of ₹553.65 is trading 8.9% below its estimated GF Value™ of ₹607.60. GuruFocus considers LIC Housing Finance to be Fairly Valued.

Key valuation signals for BOM:500253:

  • E10: ₹76.40
  • GF Value™: ₹607.60 vs. price of ₹553.65 (8.9% below fair value)
  • GF Score™: 76/100 with 2 warning signs

No single metric tells the full story. See the BOM:500253 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


LIC Housing Finance Business Description

Other Exchanges LICHSGFIN:India
Address 131 Maker Tower, F Premises, 13th Floor, Cuffe Parade, Mumbai, MH, IND, 400 005
LIC Housing Finance Ltd is a housing finance company that provides loans in India. Its main objective is to provides long-term finance to individuals for the purchase or construction of houses/flats for residential purposes. also provides finance on existing property for business/ personal needs and also gives loans to professionals for the purchase/ construction of clinics, nursing homes, diagnostic centres, office spaces, and equipment. The company also provides finance to builders and developers engaged in the business of construction of houses or flats for residential purposes and to be sold by them.
76GF Score

Get the complete analysis for BOM:500253

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹553.65
Price
₹607.60
GF Value