Share Price and Basic Stock Data
Last Updated: November 14, 2025, 8:48 pm
| PEG Ratio | -1.56 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
GIC Housing Finance Ltd operates within the finance and housing sector, focusing on providing housing loans. As of its latest reported data, the company’s share price stood at ₹176, with a market capitalization of ₹949 Cr. Revenue for the financial year ending March 2023 recorded at ₹1,123 Cr, reflecting a slight decline from ₹1,152 Cr in the previous year. The revenue trend over the last few quarters indicates fluctuations, with the highest quarterly revenue of ₹281.17 Cr reported in March 2023, followed by a decrease to ₹268.43 Cr in June 2023. However, the revenues are expected to stabilize, with projections for the financial year 2025 indicating TTM revenue at ₹1,070 Cr. This revenue performance is indicative of the company’s efforts to navigate a competitive housing finance market, which has been characterized by rising interest rates and changing regulatory landscapes.
Profitability and Efficiency Metrics
GIC Housing Finance’s profitability metrics reveal a mixed performance. The company reported a net profit of ₹129 Cr, resulting in a P/E ratio of 6.93, which is considered attractive compared to industry averages. The return on equity (ROE) stood at 8.98%, while return on capital employed (ROCE) was recorded at 8.73%. These figures suggest that GIC Housing Finance has managed to generate reasonable returns on its equity and capital, although they fall below the optimal levels commonly observed in the sector. The interest coverage ratio (ICR) of 1.33x indicates the company’s ability to meet its interest obligations, although it remains on the lower side when compared to industry norms. The financing margin percentage has shown volatility, peaking at 30.89% in December 2022 but declining to 15.55% by September 2023, signaling potential challenges in maintaining profitability amidst fluctuating interest rates.
Balance Sheet Strength and Financial Ratios
The balance sheet of GIC Housing Finance reflects a cautious approach to leverage, with total borrowings reported at ₹8,751 Cr and reserves amounting to ₹1,911 Cr as of March 2025. The company’s debt-to-equity ratio stood at 4.44x, highlighting a high reliance on debt financing, which is typical in the housing finance sector. However, this level of leverage poses risks, particularly in a rising interest rate environment. The price-to-book value (P/BV) ratio is notably low at 0.46x, suggesting that the stock may be undervalued relative to its book value. Additionally, the asset turnover ratio of 0.10 indicates that the company generates relatively low revenue for every unit of asset, pointing to inefficiencies that could be addressed. The current and quick ratios at 1.43 provide a comfortable liquidity position, ensuring the company can meet its short-term obligations effectively.
Shareholding Pattern and Investor Confidence
The shareholding pattern of GIC Housing Finance indicates a diverse ownership structure, with promoters holding 42.41% of the equity. Institutional investors, including foreign institutional investors (FIIs) and domestic institutional investors (DIIs), accounted for 2.16% and 5.51%, respectively, reflecting a moderate interest from institutional players. The public shareholding was significant at 49.92%, demonstrating a broad base of retail investors. Over the recent quarters, the number of shareholders has fluctuated, with the latest count at 64,226. This diversity in the shareholder base suggests a level of investor confidence in the company’s long-term prospects. However, the relatively low institutional ownership may imply a cautious stance from larger investors, which could be a reflection of the company’s recent performance and market conditions.
Outlook, Risks, and Final Insight
GIC Housing Finance faces both opportunities and challenges in the evolving landscape of housing finance. The company’s focus on maintaining profitability amidst rising interest rates and market competition is critical. Risks include potential asset quality deterioration as indicated by the gross NPA percentage, which stood at 4.59% in September 2023, and the declining financing margins. On the upside, GIC Housing Finance’s strong equity base and robust liquidity position provide a cushion against adverse market conditions. Should the company effectively manage its operational efficiencies and enhance its asset turnover, it could strengthen its market position. Conversely, if interest rates continue to rise or economic conditions worsen, profitability may face additional pressures. Overall, strategic management of these factors will be crucial for GIC Housing Finance’s future growth and stability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of GIC Housing Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 40.0 Cr. | 40.0 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,439 Cr. | 1,200 | 1,519/839 | 27.5 | 388 | 0.31 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,537 Cr. | 290 | 365/268 | 17.2 | 86.4 | 1.55 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,598 Cr. | 415 | 524/308 | 5.95 | 557 | 0.96 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 23,847 Cr. | 915 | 1,142/746 | 10.9 | 690 | 0.55 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,595.70 Cr | 426.82 | 11.72 | 331.57 | 0.99% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 273.98 | 278.94 | 280.81 | 281.17 | 268.43 | 267.59 | 261.11 | 260.03 | 273.94 | 264.04 | 269.26 | 271.67 | 265.36 |
| Interest | 170.49 | 175.56 | 178.25 | 178.19 | 183.01 | 179.32 | 175.72 | 172.33 | 173.98 | 176.87 | 178.55 | 173.56 | 173.12 |
| Expenses | 52.58 | 30.07 | 15.82 | 28.21 | 42.43 | 46.66 | 40.97 | 10.27 | 52.68 | 37.42 | 31.51 | 29.87 | 110.17 |
| Financing Profit | 50.91 | 73.31 | 86.74 | 74.77 | 42.99 | 41.61 | 44.42 | 77.43 | 47.28 | 49.75 | 59.20 | 68.24 | -17.93 |
| Financing Margin % | 18.58% | 26.28% | 30.89% | 26.59% | 16.02% | 15.55% | 17.01% | 29.78% | 17.26% | 18.84% | 21.99% | 25.12% | -6.76% |
| Other Income | 2.37 | 1.92 | 3.47 | 6.22 | 2.61 | 2.59 | 1.78 | 5.50 | 3.24 | 1.64 | 0.95 | -8.92 | 0.07 |
| Depreciation | 2.38 | 2.06 | 2.00 | 3.47 | 3.67 | 3.62 | 3.90 | 3.83 | 3.65 | 3.74 | 3.78 | 3.84 | 2.54 |
| Profit before tax | 50.90 | 73.17 | 88.21 | 77.52 | 41.93 | 40.58 | 42.30 | 79.10 | 46.87 | 47.65 | 56.37 | 55.48 | -20.40 |
| Tax % | 23.03% | 23.03% | 25.85% | 32.55% | 24.14% | 25.68% | 15.84% | 32.25% | 16.88% | 23.44% | 11.94% | 36.75% | -136.03% |
| Net Profit | 39.18 | 56.32 | 65.41 | 52.29 | 31.81 | 30.16 | 35.60 | 53.59 | 38.96 | 36.48 | 49.64 | 35.09 | 7.35 |
| EPS in Rs | 7.28 | 10.46 | 12.15 | 9.71 | 5.91 | 5.60 | 6.61 | 9.95 | 7.23 | 6.77 | 9.22 | 6.52 | 1.36 |
| Gross NPA % | 8.27% | 7.52% | 6.89% | 4.68% | 4.69% | 4.59% | 4.59% | 3.88% | 3.98% | 3.78% | 3.47% | 3.03% | |
| Net NPA % | 5.11% | 4.45% | 3.94% | 3.29% | 3.25% | 3.08% | 3.01% | 2.69% | 2.56% | 2.43% | 2.22% | 1.96% |
Last Updated: August 20, 2025, 10:30 am
Below is a detailed analysis of the quarterly data for GIC Housing Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 173.12 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 173.56 Cr. (Mar 2025) to 173.12 Cr., marking a decrease of 0.44 Cr..
- For Expenses, as of Jun 2025, the value is 110.17 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 29.87 Cr. (Mar 2025) to 110.17 Cr., marking an increase of 80.30 Cr..
- For Other Income, as of Jun 2025, the value is 0.07 Cr.. The value appears strong and on an upward trend. It has increased from -8.92 Cr. (Mar 2025) to 0.07 Cr., marking an increase of 8.99 Cr..
- For Depreciation, as of Jun 2025, the value is 2.54 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3.84 Cr. (Mar 2025) to 2.54 Cr., marking a decrease of 1.30 Cr..
- For Profit before tax, as of Jun 2025, the value is -20.40 Cr.. The value appears to be declining and may need further review. It has decreased from 55.48 Cr. (Mar 2025) to -20.40 Cr., marking a decrease of 75.88 Cr..
- For Tax %, as of Jun 2025, the value is -136.03%. The value appears to be improving (decreasing) as expected. It has decreased from 36.75% (Mar 2025) to -136.03%, marking a decrease of 172.78%.
- For Net Profit, as of Jun 2025, the value is 7.35 Cr.. The value appears to be declining and may need further review. It has decreased from 35.09 Cr. (Mar 2025) to 7.35 Cr., marking a decrease of 27.74 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.36. The value appears to be declining and may need further review. It has decreased from 6.52 (Mar 2025) to 1.36, marking a decrease of 5.16.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 5:21 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 625 | 733 | 876 | 1,002 | 1,112 | 1,228 | 1,252 | 1,232 | 1,152 | 1,123 | 1,060 | 1,079 | 1,078 |
| Interest | 419 | 509 | 601 | 668 | 713 | 866 | 946 | 823 | 702 | 703 | 711 | 703 | 698 |
| Expenses | 70 | 67 | 84 | 106 | 124 | 114 | 191 | 277 | 216 | 126 | 140 | 151 | 207 |
| Financing Profit | 135 | 157 | 192 | 228 | 275 | 248 | 116 | 131 | 234 | 294 | 209 | 225 | 173 |
| Financing Margin % | 22% | 21% | 22% | 23% | 25% | 20% | 9% | 11% | 20% | 26% | 20% | 21% | 16% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 8 | 5 | 6 | 10 | -3 | -8 |
| Depreciation | 2 | 4 | 1 | 1 | 1 | 1 | 6 | 4 | 9 | 10 | 15 | 15 | 13 |
| Profit before tax | 133 | 154 | 191 | 227 | 274 | 247 | 112 | 135 | 230 | 290 | 204 | 206 | 153 |
| Tax % | 27% | 33% | 35% | 35% | 25% | 30% | 59% | 22% | 25% | 26% | 26% | 22% | |
| Net Profit | 98 | 103 | 124 | 148 | 206 | 172 | 46 | 106 | 174 | 213 | 151 | 160 | 142 |
| EPS in Rs | 18.11 | 19.12 | 23.12 | 27.43 | 38.19 | 31.90 | 8.47 | 19.60 | 32.23 | 39.59 | 28.07 | 29.74 | 26.38 |
| Dividend Payout % | 33% | 26% | 22% | 18% | 14% | 17% | 24% | 20% | 14% | 11% | 16% | 15% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 5.10% | 20.39% | 19.35% | 39.19% | -16.50% | -73.26% | 130.43% | 64.15% | 22.41% | -29.11% | 5.96% |
| Change in YoY Net Profit Growth (%) | 0.00% | 15.29% | -1.03% | 19.83% | -55.69% | -56.75% | 203.69% | -66.28% | -41.74% | -51.52% | 35.07% |
GIC Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | -3% |
| 3 Years: | -2% |
| TTM: | 1% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 30% |
| 3 Years: | 0% |
| TTM: | -14% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 11% |
| 3 Years: | 7% |
| 1 Year: | -29% |
| Return on Equity | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 10% |
| 3 Years: | 10% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 4:45 am
Balance Sheet
Last Updated: July 25, 2025, 3:12 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 |
| Reserves | 557 | 606 | 678 | 784 | 1,064 | 1,200 | 1,209 | 1,304 | 1,457 | 1,645 | 1,775 | 1,911 |
| Borrowing | 4,652 | 5,794 | 7,001 | 8,237 | 9,984 | 11,659 | 11,768 | 11,226 | 10,365 | 9,168 | 8,584 | 8,751 |
| Other Liabilities | 256 | 266 | 289 | 329 | 44 | 57 | 68 | 57 | 53 | 53 | 57 | 60 |
| Total Liabilities | 5,518 | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 |
| Fixed Assets | 5 | 3 | 2 | 2 | 2 | 3 | 19 | 16 | 21 | 52 | 44 | 27 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 29 | 29 | 9 | 10 | 11 |
| Investments | 10 | 10 | 10 | 26 | 13 | 14 | 14 | 14 | 15 | 230 | 169 | 255 |
| Other Assets | 5,503 | 6,708 | 8,009 | 9,376 | 11,132 | 12,953 | 13,053 | 12,581 | 11,864 | 10,629 | 10,248 | 10,482 |
| Total Assets | 5,518 | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 |
Below is a detailed analysis of the balance sheet data for GIC Housing Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 54.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 54.00 Cr..
- For Reserves, as of Mar 2025, the value is 1,911.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,775.00 Cr. (Mar 2024) to 1,911.00 Cr., marking an increase of 136.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 60.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 57.00 Cr. (Mar 2024) to 60.00 Cr., marking an increase of 3.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 10,775.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,470.00 Cr. (Mar 2024) to 10,775.00 Cr., marking an increase of 305.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 27.00 Cr.. The value appears to be declining and may need further review. It has decreased from 44.00 Cr. (Mar 2024) to 27.00 Cr., marking a decrease of 17.00 Cr..
- For CWIP, as of Mar 2025, the value is 11.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2024) to 11.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 255.00 Cr.. The value appears strong and on an upward trend. It has increased from 169.00 Cr. (Mar 2024) to 255.00 Cr., marking an increase of 86.00 Cr..
- For Other Assets, as of Mar 2025, the value is 10,482.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,248.00 Cr. (Mar 2024) to 10,482.00 Cr., marking an increase of 234.00 Cr..
- For Total Assets, as of Mar 2025, the value is 10,775.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,470.00 Cr. (Mar 2024) to 10,775.00 Cr., marking an increase of 305.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 66.00 | 62.00 | 77.00 | 98.00 | 115.00 | 103.00 | 180.00 | 266.00 | 206.00 | 117.00 | 132.00 | 143.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 17% | 16% | 18% | 19% | 21% | 14% | 4% | 8% | 12% | 13% | 9% | 9% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 29.79 | 28.11 | 39.60 | 32.22 |
| Diluted EPS (Rs.) | 29.79 | 28.11 | 39.60 | 32.22 |
| Cash EPS (Rs.) | 32.56 | 30.88 | 41.42 | 33.80 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 364.67 | 339.43 | 315.39 | 280.39 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 364.67 | 339.43 | 315.39 | 280.39 |
| Revenue From Operations / Share (Rs.) | 200.24 | 196.21 | 206.92 | 213.40 |
| PBDIT / Share (Rs.) | 174.04 | 172.52 | 186.02 | 174.44 |
| PBIT / Share (Rs.) | 171.25 | 169.74 | 184.18 | 172.85 |
| PBT / Share (Rs.) | 38.36 | 37.89 | 53.80 | 42.75 |
| Net Profit / Share (Rs.) | 29.77 | 28.09 | 39.58 | 32.20 |
| NP After MI And SOA / Share (Rs.) | 29.77 | 28.09 | 39.58 | 32.20 |
| PBDIT Margin (%) | 86.91 | 87.92 | 89.89 | 81.74 |
| PBIT Margin (%) | 85.52 | 86.50 | 89.00 | 80.99 |
| PBT Margin (%) | 19.15 | 19.31 | 25.99 | 20.03 |
| Net Profit Margin (%) | 14.86 | 14.31 | 19.12 | 15.09 |
| NP After MI And SOA Margin (%) | 14.86 | 14.31 | 19.12 | 15.09 |
| Return on Networth / Equity (%) | 8.16 | 8.27 | 12.54 | 11.48 |
| Return on Capital Employeed (%) | 27.53 | 35.32 | 34.81 | 30.81 |
| Return On Assets (%) | 1.48 | 1.44 | 1.95 | 1.45 |
| Long Term Debt / Equity (X) | 0.68 | 0.39 | 0.66 | 0.98 |
| Total Debt / Equity (X) | 4.44 | 4.68 | 5.38 | 6.85 |
| Asset Turnover Ratio (%) | 0.10 | 0.09 | 0.09 | 0.00 |
| Current Ratio (X) | 1.43 | 1.31 | 1.33 | 1.32 |
| Quick Ratio (X) | 1.43 | 1.31 | 1.33 | 1.32 |
| Dividend Payout Ratio (NP) (%) | 15.10 | 16.00 | 11.36 | 12.41 |
| Dividend Payout Ratio (CP) (%) | 13.81 | 14.56 | 10.85 | 11.82 |
| Earning Retention Ratio (%) | 84.90 | 84.00 | 88.64 | 87.59 |
| Cash Earning Retention Ratio (%) | 86.19 | 85.44 | 89.15 | 88.18 |
| Interest Coverage Ratio (X) | 1.33 | 1.31 | 1.43 | 1.34 |
| Interest Coverage Ratio (Post Tax) (X) | 1.25 | 1.21 | 1.30 | 1.25 |
| Enterprise Value (Cr.) | 9572.33 | 9607.78 | 9887.44 | 10571.51 |
| EV / Net Operating Revenue (X) | 8.87 | 9.09 | 8.87 | 9.19 |
| EV / EBITDA (X) | 10.21 | 10.34 | 9.86 | 11.25 |
| MarketCap / Net Operating Revenue (X) | 0.83 | 1.03 | 0.74 | 0.61 |
| Retention Ratios (%) | 84.89 | 83.99 | 88.63 | 87.58 |
| Price / BV (X) | 0.46 | 0.59 | 0.49 | 0.46 |
| Price / Net Operating Revenue (X) | 0.83 | 1.03 | 0.74 | 0.61 |
| EarningsYield | 0.17 | 0.13 | 0.25 | 0.24 |
After reviewing the key financial ratios for GIC Housing Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 29.79. This value is within the healthy range. It has increased from 28.11 (Mar 24) to 29.79, marking an increase of 1.68.
- For Diluted EPS (Rs.), as of Mar 25, the value is 29.79. This value is within the healthy range. It has increased from 28.11 (Mar 24) to 29.79, marking an increase of 1.68.
- For Cash EPS (Rs.), as of Mar 25, the value is 32.56. This value is within the healthy range. It has increased from 30.88 (Mar 24) to 32.56, marking an increase of 1.68.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 364.67. It has increased from 339.43 (Mar 24) to 364.67, marking an increase of 25.24.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 364.67. It has increased from 339.43 (Mar 24) to 364.67, marking an increase of 25.24.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 200.24. It has increased from 196.21 (Mar 24) to 200.24, marking an increase of 4.03.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 174.04. This value is within the healthy range. It has increased from 172.52 (Mar 24) to 174.04, marking an increase of 1.52.
- For PBIT / Share (Rs.), as of Mar 25, the value is 171.25. This value is within the healthy range. It has increased from 169.74 (Mar 24) to 171.25, marking an increase of 1.51.
- For PBT / Share (Rs.), as of Mar 25, the value is 38.36. This value is within the healthy range. It has increased from 37.89 (Mar 24) to 38.36, marking an increase of 0.47.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 29.77. This value is within the healthy range. It has increased from 28.09 (Mar 24) to 29.77, marking an increase of 1.68.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 29.77. This value is within the healthy range. It has increased from 28.09 (Mar 24) to 29.77, marking an increase of 1.68.
- For PBDIT Margin (%), as of Mar 25, the value is 86.91. This value is within the healthy range. It has decreased from 87.92 (Mar 24) to 86.91, marking a decrease of 1.01.
- For PBIT Margin (%), as of Mar 25, the value is 85.52. This value exceeds the healthy maximum of 20. It has decreased from 86.50 (Mar 24) to 85.52, marking a decrease of 0.98.
- For PBT Margin (%), as of Mar 25, the value is 19.15. This value is within the healthy range. It has decreased from 19.31 (Mar 24) to 19.15, marking a decrease of 0.16.
- For Net Profit Margin (%), as of Mar 25, the value is 14.86. This value exceeds the healthy maximum of 10. It has increased from 14.31 (Mar 24) to 14.86, marking an increase of 0.55.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 14.86. This value is within the healthy range. It has increased from 14.31 (Mar 24) to 14.86, marking an increase of 0.55.
- For Return on Networth / Equity (%), as of Mar 25, the value is 8.16. This value is below the healthy minimum of 15. It has decreased from 8.27 (Mar 24) to 8.16, marking a decrease of 0.11.
- For Return on Capital Employeed (%), as of Mar 25, the value is 27.53. This value is within the healthy range. It has decreased from 35.32 (Mar 24) to 27.53, marking a decrease of 7.79.
- For Return On Assets (%), as of Mar 25, the value is 1.48. This value is below the healthy minimum of 5. It has increased from 1.44 (Mar 24) to 1.48, marking an increase of 0.04.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.68. This value is within the healthy range. It has increased from 0.39 (Mar 24) to 0.68, marking an increase of 0.29.
- For Total Debt / Equity (X), as of Mar 25, the value is 4.44. This value exceeds the healthy maximum of 1. It has decreased from 4.68 (Mar 24) to 4.44, marking a decrease of 0.24.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.10. It has increased from 0.09 (Mar 24) to 0.10, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.43. This value is below the healthy minimum of 1.5. It has increased from 1.31 (Mar 24) to 1.43, marking an increase of 0.12.
- For Quick Ratio (X), as of Mar 25, the value is 1.43. This value is within the healthy range. It has increased from 1.31 (Mar 24) to 1.43, marking an increase of 0.12.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 15.10. This value is below the healthy minimum of 20. It has decreased from 16.00 (Mar 24) to 15.10, marking a decrease of 0.90.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 13.81. This value is below the healthy minimum of 20. It has decreased from 14.56 (Mar 24) to 13.81, marking a decrease of 0.75.
- For Earning Retention Ratio (%), as of Mar 25, the value is 84.90. This value exceeds the healthy maximum of 70. It has increased from 84.00 (Mar 24) to 84.90, marking an increase of 0.90.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 86.19. This value exceeds the healthy maximum of 70. It has increased from 85.44 (Mar 24) to 86.19, marking an increase of 0.75.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.33. This value is below the healthy minimum of 3. It has increased from 1.31 (Mar 24) to 1.33, marking an increase of 0.02.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.25. This value is below the healthy minimum of 3. It has increased from 1.21 (Mar 24) to 1.25, marking an increase of 0.04.
- For Enterprise Value (Cr.), as of Mar 25, the value is 9,572.33. It has decreased from 9,607.78 (Mar 24) to 9,572.33, marking a decrease of 35.45.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 8.87. This value exceeds the healthy maximum of 3. It has decreased from 9.09 (Mar 24) to 8.87, marking a decrease of 0.22.
- For EV / EBITDA (X), as of Mar 25, the value is 10.21. This value is within the healthy range. It has decreased from 10.34 (Mar 24) to 10.21, marking a decrease of 0.13.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.83. This value is below the healthy minimum of 1. It has decreased from 1.03 (Mar 24) to 0.83, marking a decrease of 0.20.
- For Retention Ratios (%), as of Mar 25, the value is 84.89. This value exceeds the healthy maximum of 70. It has increased from 83.99 (Mar 24) to 84.89, marking an increase of 0.90.
- For Price / BV (X), as of Mar 25, the value is 0.46. This value is below the healthy minimum of 1. It has decreased from 0.59 (Mar 24) to 0.46, marking a decrease of 0.13.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.83. This value is below the healthy minimum of 1. It has decreased from 1.03 (Mar 24) to 0.83, marking a decrease of 0.20.
- For EarningsYield, as of Mar 25, the value is 0.17. This value is below the healthy minimum of 5. It has increased from 0.13 (Mar 24) to 0.17, marking an increase of 0.04.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in GIC Housing Finance Ltd:
- Net Profit Margin: 14.86%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 27.53% (Industry Average ROCE: 48.21%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 8.16% (Industry Average ROE: 13.33%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.25
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.43
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 6.13 (Industry average Stock P/E: 11.72)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 4.44
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 14.86%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | National Insurance Building, 6th Floor, Mumbai Maharashtra 400020 | investors@gichf.com http://www.gichfindia.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ramaswamy Narayanan | Chairman & Non-Exe.Director |
| Mr. Sachindra Salvi | Managing Director & CEO |
| Mrs. Rajeshwari Singh Muni | Non Executive Director |
| Mr. B S Rahul | Non Executive Director |
| Mr. Hitesh Joshi | Non Executive Director |
| Mr. Girija Subramanian | Non Executive Director |
| Mr. Sanjay Joshi | Non Executive Director |
| Mr. Sathia Jeeva Krishnan | Independent Director |
| Mr. N Damodharan | Independent Director |
| Mr. Sunil Kakar | Independent Director |
| Mrs. Rani Singh Nair | Independent Director |
| Mr. A K Saxena | Independent Director |
| Mr. Vaijinath M Gavarshetty | Independent Director |
| Mr. Kishore Garimella | Independent Director |
FAQ
What is the intrinsic value of GIC Housing Finance Ltd?
GIC Housing Finance Ltd's intrinsic value (as of 16 November 2025) is 167.68 which is 1.94% lower the current market price of 171.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 921 Cr. market cap, FY2025-2026 high/low of 230/151, reserves of ₹1,911 Cr, and liabilities of 10,775 Cr.
What is the Market Cap of GIC Housing Finance Ltd?
The Market Cap of GIC Housing Finance Ltd is 921 Cr..
What is the current Stock Price of GIC Housing Finance Ltd as on 16 November 2025?
The current stock price of GIC Housing Finance Ltd as on 16 November 2025 is 171.
What is the High / Low of GIC Housing Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of GIC Housing Finance Ltd stocks is 230/151.
What is the Stock P/E of GIC Housing Finance Ltd?
The Stock P/E of GIC Housing Finance Ltd is 6.13.
What is the Book Value of GIC Housing Finance Ltd?
The Book Value of GIC Housing Finance Ltd is 371.
What is the Dividend Yield of GIC Housing Finance Ltd?
The Dividend Yield of GIC Housing Finance Ltd is 2.63 %.
What is the ROCE of GIC Housing Finance Ltd?
The ROCE of GIC Housing Finance Ltd is 8.73 %.
What is the ROE of GIC Housing Finance Ltd?
The ROE of GIC Housing Finance Ltd is 8.98 %.
What is the Face Value of GIC Housing Finance Ltd?
The Face Value of GIC Housing Finance Ltd is 10.0.