LIC Housing FinanceBOM:500253 -0.14%71 Net Margin % is 63.18% as of Mar. 2026, which is 18% above its 10-year median of 53.52. 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. Among 1,530 Banks companies, LIC Housing Finance ranks better than 98.04% on this metric.
The historical rank and industry rank for LIC Housing Finance's Net Margin % or its related term are showing as below:
BOM:500253'
s Net Margin % Range Over the Past 10 Years
Min: 40.34 Med: 53.52 Max: 64.56
Current: 62.56
BOM:500253's Net Margin % is ranked better than 98.04% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs BOM:500253: 62.56
LIC Housing Finance (BOM:500253) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
LIC Housing Finance Net Margin % Related Terms
LIC Housing Finance Net Margin % Historical Data
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The historical data trend for LIC Housing Finance's Net Margin % 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.
BOM:500253 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, LIC Housing Finance's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LIC Housing Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where LIC Housing Finance's Net Margin % falls into.
* 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 (BOM:500253) has a Net Margin % of 63.18% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on LIC Housing Finance and its competitors. This is 18% above median its historical median of 53.52. Over the past decade, LIC Housing Finance's Net Margin % has ranged from 40.34 to 64.56. According to the industry distribution chart, LIC Housing Finance ranks #30 out of 1530 companies in the Banks industry, placing it in the top 2%.
Is LIC Housing Finance's Net Margin % too high?
LIC Housing Finance's current Net Margin % of 63.18% is 18% above median its 10-year median of 53.52. Over the past 10 years, this metric has ranged from a low of 40.34 to a high of 64.56. The Banks industry median Net Margin % is 26.85. LIC Housing Finance's value of 63.18% is 135.4% above this industry median. Based on the distribution chart, LIC Housing Finance ranks #30 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, LIC Housing Finance ranks #30 out of 1530 companies for Net Margin %. This places LIC Housing Finance in the top 2% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. LIC Housing Finance's value of 63.18% is 135.4% above this benchmark. Historically, LIC Housing Finance's own Net Margin % has ranged from 40.34 to 64.56 over the past decade. While the company's 10-year median is 53.52 vs. the industry median of 26.85, LIC Housing Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LIC Housing Finance's current Net Margin % of 63.18% is 135.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on LIC Housing Finance and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LIC Housing Finance's current Net Margin % is 63.18%, which is 18% above median its own 10-year median of 53.52. 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 Net Margin % is 63.18%, which is 18% above median its 10-year median of 53.52 and 135.4% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For LIC Housing Finance (BOM:500253), the current Net Margin % is 63.18% 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 ₹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:
Net Margin %: 63.18% (18% above median its 10-year median of 53.52)
GF Value™: ₹606.97 vs. price of ₹549.80 (9.4% below fair value)
Industry Position: 135.4% above the Banks median (#30 of 1530)
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 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
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