LIC HOUSING FINANCE LTD Fair Value
LICHSGFIN · Financial Services · Current price ₹531.4
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹762 | 14% ROE fading to 14% over ~3 yrs, on ₹753 book |
| Relative P/E | ₹2,967 | EPS × 29.1 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | ₹593 | Street consensus 12-month target price |
Is LIC HOUSING FINANCE LTD undervalued?
DocStoX estimates the fair value of LIC HOUSING FINANCE LTD at ₹1,229 per share, versus the current market price of ₹531. That puts the stock about +131.2% below our fair-value estimate, which we read as "Buy". Our confidence in this estimate is low.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹762), Relative P/E (₹2,967), Analyst target (₹593). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹593 (bear) to ₹1,229 (base) to ₹2,967 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on LIC HOUSING FINANCE LTD
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.