Last Updated2026-06-02

Market View

₹535(▼0.49%)

Reporting PeriodQ4 FY26

LICHSGFINLIC Housing Finance Limited Forensic Risk Analysis

Name: LIC Housing Finance Limited Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Housing Finance Company

Risk ClassStable

Market Cap₹28,389 Cr

Primary DriverGovernance

Flagium AI Risk Score

5 / 100

-5 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

36.4th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹535▼0.49%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment

+5.0 pts

Final Composite Risk5 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 5 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

Operating Leverage Stress
NIM Compression

What to Watch Next Quarter

Debt growth
Operating profit margins

Active Risk Objects (2)

CriticalHigh

Operating Leverage Stress

📊 Earnings QualityAnnualActive for 2 Years

More Detail

Impact Weight10/15

MomentumAccelerating

Last SignalQ3 FY2026

Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt levels are creeping up. Monitor for signs of excessive borrowing for non-core activities."

NIM Compression

📊 Earnings QualityQuarterlyActive for 5 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ2 FY2026

LICHSGFIN: NIM declining for 3 consecutive quarters.

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	4.09	3.70	⚠️ HIGH
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+61.0	+61.0	✅ RESILIENT

Forensic Benchmark Context: Housing Finance Company (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹535(-0.49%)

1M Divergence-2.82%

1 Week-1.68%

1 Month-3.55%

6 Months-2.18%

1 Year-9.63%

2 Year-12.8%

3 Year+48.46%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

LICHSGFIN • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.1%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score15%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing1%

CoinTree Momentum

Composite Z-Score-0.2782σ

Weakening momentum trend

Universe Rank#1598 of 2716

Top 58.84% in momentum strength

Timeframe Sparklines

1W-1.7%

1M-3.5%

6M-2.2%

Weinstein Indicators

150 DMA₹536.86

200 DMA₹544.44

150 DMA Slope-0.3671%Declining

Relative Strength+3.30%Leading

Relative Turnover (RTR)1.2373

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
LICHSGFINLIC Housing Finance Limited	5	36th	-5	2	+0	GovernanceStable
AADHARHFCAadhar Housing Finance Limited	10	82th	0	4	+0	Earnings QualityStable
REPCOHOMEREPCOHOME	16	91th	+5	8	+1	Earnings QualityStable
SAMMAANCAPSammaan Capital Limited	25	100th	+15	5	+3	Earnings QualityWatch