LIC Housing Finance (BOM:500253) Margin of Safety % (DCF Earnings Based): 60.37% (As of Jun. 28, 2026)


BOM:500253 LIC Housing Finance Ltd BOM:500253
71 GF Score
Price ₹549.80
GF Value ₹606.97
Valuation Fairly Valued
! 2 Warning Signs
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What is LIC Housing Finance Margin of Safety % (DCF Earnings Based)?

LIC Housing Finance BOM:500253 -0.14% 71 Margin of Safety % (DCF Earnings Based) is 60.37% as of Jun. 28, 2026. GuruFocus rates BOM:500253 with a GF Score™ of 71/100 and a GF Value™ of ₹606.97 (Fairly Valued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-28), LIC Housing Finance's Predictability Rank is 5-Stars. LIC Housing Finance's intrinsic value calculated from the Discounted Earnings model is ₹1387.18 and current share price is ₹549.80. Consequently,

LIC Housing Finance's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 60.37%.

BOM:500253 vs RKT, FNMA, PFSI: Margin of Safety % (DCF Earnings Based) Comparison

For the Mortgage Finance subindustry, LIC Housing Finance's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, LIC Housing Finance's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where LIC Housing Finance's Margin of Safety % (DCF Earnings Based) falls into.


BOM:500253
71GF Score
LIC Housing Finance Ltd BOM:500253
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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LIC Housing Finance Margin of Safety % (DCF Earnings Based) Calculation

LIC Housing Finance's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(1387.18-549.80)/1387.18
=60.37 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 60.37% mean?
LIC Housing Finance (BOM:500253) has a Margin of Safety % (DCF Earnings Based) of 60.37% as of Jun. 28, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on LIC Housing Finance.
Is LIC Housing Finance's Margin of Safety % (DCF Earnings Based) too high?
LIC Housing Finance's current Margin of Safety % (DCF Earnings Based) is 60.37%. Overall, LIC Housing Finance has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LIC Housing Finance's Margin of Safety % (DCF Earnings Based) compare to RKT and FNMA?
LIC Housing Finance's Margin of Safety % (DCF Earnings Based) of 60.37% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on LIC Housing Finance. LIC Housing Finance's current Margin of Safety % (DCF Earnings Based) is 60.37%. 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 ₹606.97, compared to a current price of ₹549.80 — trading 9.4% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 60.37%. LIC Housing Finance's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For LIC Housing Finance (BOM:500253), the current Margin of Safety % (DCF Earnings Based) is 60.37% as of Jun. 28, 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 ₹549.80 is trading 9.4% below its estimated GF Value™ of ₹606.97. GuruFocus considers LIC Housing Finance to be Fairly Valued.

Key valuation signals for BOM:500253:

  • Margin of Safety % (DCF Earnings Based): 60.37%
  • GF Value™: ₹606.97 vs. price of ₹549.80 (9.4% below fair value)
  • GF Score™: 71/100 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.
71GF Score

Get the complete analysis for BOM:500253

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹549.80
Price
₹606.97
GF Value