LIC Housing Finance earnings calls.

LIC Housing Finance reported Q4 FY26 PAT of INR 1,497.41 croreCurrent reported value: INR 1,497.41 crore. No comparable prior figure is available in the source record., up 9.46Current reported value: 9.46. No comparable prior figure is available in the source record.% YoY despite subdued revenue of INR 7,194 croreCurrent reported value: INR 7,194 crore. No comparable prior figure is available in the source record. (down 1.2% YoY). The company navigated intense competitive pressure from banks offering lower rates linked to repo cuts, which impacted disbursement growth throughout FY26. NIM expanded sequentially to 2.80%Current 2.80%. Reported change: -5bps YoY. in Q4 from 2.69% in Q3, though full-year NIM of 2.68% was within the 2.6%-2.8% guidance. Asset quality improved significantly with Stage 3 declining to 2.15%Current 2.15%. Reported change: -32bps YoY. from 2.47% YoY. Management targets 10%Current 10%. Reported change: +10% YoY.-12% loan book growth for FY27 with disbursement budget of INR 78,000 crore, while pursuing diversification into LAP/LRD segments and launching an affordable housing vertical. Key risks include geopolitical uncertainty impacting rupee and energy costs, plus competition from banks in the core IHL segment. The company also disclosed a CEO succession following the untimely demise of the originally appointed successor.