LIC Housing Finance (NSE:LICHSGFIN) Retained Earnings: ₹0 Mil (As of Jun. 2026)

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NSE:LICHSGFIN LIC Housing Finance Ltd NSE:LICHSGFIN
74 GF Score
Price ₹538.40
GF Value ₹599.93
Valuation Modestly Undervalued
! 2 Warning Signs
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What is LIC Housing Finance Retained Earnings?

LIC Housing Finance NSE:LICHSGFIN +0.64% 74 Retained Earnings is ₹0 Mil as of Jun. 2026. GuruFocus rates NSE:LICHSGFIN with a GF Score™ of 74/100 and a GF Value™ of ₹599.93 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. LIC Housing Finance's retained earnings for the quarter that ended in Jun. 2026 was ₹0 Mil.

LIC Housing Finance's quarterly retained earnings increased from Dec. 2025 (₹0 Mil) to Mar. 2026 (₹126,643 Mil) but then declined from Mar. 2026 (₹126,643 Mil) to Jun. 2026 (₹0 Mil).

LIC Housing Finance's annual retained earnings increased from Mar. 2024 (₹74,120 Mil) to Mar. 2025 (₹99,871 Mil) and increased from Mar. 2025 (₹99,871 Mil) to Mar. 2026 (₹126,643 Mil).


LIC Housing Finance  (NSE:LICHSGFIN) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


LIC Housing Finance Retained Earnings Historical Data

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The historical data trend for LIC Housing Finance's Retained Earnings 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 Retained Earnings Chart

LIC Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 48,435.80 54,374.40 74,120.10 99,871.40 126,642.70

LIC Housing Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings 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 0.00 0.00 0.00 126,642.70 0.00
NSE:LICHSGFIN
74GF Score
LIC Housing Finance Ltd NSE:LICHSGFIN
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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LIC Housing Finance Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of ₹0 Mil mean?
LIC Housing Finance (NSE:LICHSGFIN) has a Retained Earnings of ₹0 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on LIC Housing Finance and its competitors.
Is LIC Housing Finance's Retained Earnings too high?
LIC Housing Finance's current Retained Earnings is ₹0 Mil. Overall, LIC Housing Finance has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LIC Housing Finance's Retained Earnings compare to RKT and FNMA?
LIC Housing Finance's Retained Earnings of ₹0 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on LIC Housing Finance and its competitors. LIC Housing Finance's current Retained Earnings is ₹0 Mil. 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 ₹599.93, compared to a current price of ₹538.40 — trading 10.3% below its estimated fair value. The current Retained Earnings is ₹0 Mil. LIC Housing Finance's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For LIC Housing Finance (NSE:LICHSGFIN), the current Retained Earnings is ₹0 Mil as of Jun. 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 ₹538.40 is trading 10.3% below its estimated GF Value™ of ₹599.93. GuruFocus considers LIC Housing Finance to be Modestly Undervalued.

Key valuation signals for NSE:LICHSGFIN:

  • Retained Earnings: ₹0 Mil
  • GF Value™: ₹599.93 vs. price of ₹538.40 (10.3% below fair value)
  • GF Score™: 74/100 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.
74GF Score

Get the complete analysis for NSE:LICHSGFIN

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

₹538.40
Price
₹599.93
GF Value