LIC Housing Finance (NSE:LICHSGFIN) Moat Score: 0/10 (As of Jul. 23, 2026)

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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:LICHSGFIN LIC Housing Finance Ltd NSE:LICHSGFIN
72 GF Score
Price ₹538.60
GF Value ₹609.36
Valuation Modestly Undervalued
! 2 Warning Signs
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What is LIC Housing Finance Moat Score?

LIC Housing Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

LIC Housing Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes LIC Housing Finance might have No Moat - No discernible moat.

LIC Housing Finance  (NSE:LICHSGFIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

LIC Housing Finance Moat Score Related Terms

NSE:LICHSGFIN
72GF Score
LIC Housing Finance Ltd NSE:LICHSGFIN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is LIC Housing Finance (NSE:LICHSGFIN) Overvalued in 2026?

Based on GuruFocus' analysis, LIC Housing Finance stock appears to be undervalued. The current stock price of ₹538.60 is trading 11.6% below its estimated GF Value™ of ₹609.36. GuruFocus considers LIC Housing Finance to be Modestly Undervalued.

Key valuation signals for NSE:LICHSGFIN:

  • Moat Score: 0
  • GF Value™: ₹609.36 vs. price of ₹538.60 (11.6% below fair value)
  • GF Score™: 72/100 with 2 warning signs

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

LIC Housing Finance Business Description

Other Exchanges 500253: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.
72GF Score

Get the complete analysis for NSE:LICHSGFIN

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

₹538.60
Price
₹609.36
GF Value