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LIC Housing Finance Ltd stock PB Ratio (=0.67) is close to 5-year low of 0.66.
The historical rank and industry rank for LIC Housing Finance's PB Ratio or its related term are showing as below:
NSE:LICHSGFIN'
s PB Ratio Range Over the Past 10 Years
Min: 0.6 Med: 0.89 Max: 1.73
Current: 0.67
During the past 13 years, LIC Housing Finance's highest PB Ratio was 1.73. The lowest was 0.60. And the median was 0.89.
NSE:LICHSGFIN's PB Ratio is ranked better than 82.42% of 1513
companies
in the Banks industry
Industry Median: 1.12
vs NSE:LICHSGFIN: 0.67
During the past 12 months, LIC Housing Finance's average Book Value Per Share Growth Rate was 14.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 13.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of LIC Housing Finance was 28.50% per year. The lowest was 10.90% per year. And the median was 15.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
LIC Housing Finance PB Ratio Related Terms
LIC Housing Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for LIC Housing Finance's PB Ratio 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.
NSE:LICHSGFIN vs RKT, FNMA, PFSI: PB Ratio Comparison
For the Mortgage Finance subindustry, LIC Housing Finance's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, LIC Housing Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where LIC Housing Finance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
LIC Housing Finance (NSE:LICHSGFIN) has a PB Ratio of 0.67 as of Aug. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on LIC Housing Finance and its competitors. This is 25% below median its historical median of 0.89. Over the past decade, LIC Housing Finance's PB Ratio has ranged from 0.60 to 1.73. According to the industry distribution chart, LIC Housing Finance ranks #266 out of 1513 companies in the Banks industry, placing it in the top 17.6%.
Is LIC Housing Finance's PB Ratio too high?
LIC Housing Finance's current PB Ratio of 0.67 is 25% below median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.73. The Banks industry median PB Ratio is 1.12. LIC Housing Finance's value of 0.67 is 40.2% below this industry median. Based on the distribution chart, LIC Housing Finance ranks #266 out of 1513 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 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LIC Housing Finance's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, LIC Housing Finance ranks #266 out of 1513 companies for PB Ratio. This places LIC Housing Finance in the top 18% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. LIC Housing Finance's value of 0.67 is 40.2% below this benchmark. Historically, LIC Housing Finance's own PB Ratio has ranged from 0.60 to 1.73 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 1.12, LIC Housing Finance has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,513 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LIC Housing Finance's current PB Ratio of 0.67 is 40.2% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on LIC Housing Finance and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LIC Housing Finance's current PB Ratio is 0.67, which is 25% below median its own 10-year median of 0.89. 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 (NSE:LICHSGFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹599.33, compared to a current price of ₹505.00 — trading 15.7% below its estimated fair value. The current PB Ratio is 0.67, which is 25% below median its 10-year median of 0.89 and 40.2% below the Banks industry median of 1.12. LIC Housing Finance's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For LIC Housing Finance (NSE:LICHSGFIN), the current PB Ratio is 0.67 as of Aug. 07, 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 (NSE:LICHSGFIN) Overvalued in 2026?
Based on GuruFocus' analysis, LIC Housing Finance stock appears to be undervalued.
The current stock price of ₹505.00 is trading 15.7% below its estimated GF Value™ of ₹599.33.
GuruFocus considers LIC Housing Finance to be Modestly Undervalued.
Key valuation signals for NSE:LICHSGFIN:
PB Ratio: 0.67 (25% below median its 10-year median of 0.89)
GF Value™: ₹599.33 vs. price of ₹505.00 (15.7% below fair value)
Industry Position: 40.2% below the Banks median (#266 of 1513)
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 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.
73GF Score
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