Share Price and Basic Stock Data
Last Updated: November 22, 2025, 8:34 am
| PEG Ratio | -1.54 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
GIC Housing Finance Ltd operates within the finance and housing sector, focusing on providing housing loans. The company’s reported revenue for the fiscal year ending March 2025 stood at ₹1,079 Cr, reflecting a marginal increase from ₹1,060 Cr in March 2024. However, revenue has shown volatility over recent quarters, with the last reported quarterly revenue of ₹267.59 Cr in September 2023, down from ₹281.17 Cr in March 2023. This decline highlights potential challenges in maintaining consistent revenue growth. The revenue from operations per share has remained relatively stable, recorded at ₹200.24 in March 2025, compared to ₹196.21 in March 2024. The financing profit margin has fluctuated, peaking at 30.89% in December 2022, but fell to 15.55% in September 2023. These trends indicate the need for GIC Housing Finance to enhance its revenue stability while navigating the competitive landscape of the housing finance sector.
Profitability and Efficiency Metrics
The profitability of GIC Housing Finance is highlighted by its net profit of ₹160 Cr for the fiscal year 2025, which is a slight increase from ₹151 Cr in the previous year. The company reported a net profit margin of 14.86% in March 2025, indicating a healthy profit retention from its revenues. The return on equity (ROE) stood at 9% for the same period, reflecting a slight decline from 9% in March 2024. This level of ROE is lower than the typical sector average, suggesting potential inefficiencies in capital utilization. The interest coverage ratio, reported at 1.33x, indicates that GIC Housing Finance is capable of meeting its interest obligations, albeit with limited room for error. The gross non-performing assets (NPA) ratio has improved significantly, declining to 3.03% in March 2025 from 4.68% in March 2023, which signifies enhanced asset quality and risk management.
Balance Sheet Strength and Financial Ratios
GIC Housing Finance’s balance sheet reflects a solid capital structure, with total reserves reported at ₹1,911 Cr as of March 2025, up from ₹1,775 Cr in March 2024. The company’s equity capital remains stable at ₹54 Cr, while total borrowings increased to ₹8,751 Cr, up from ₹8,584 Cr the previous year. The debt-to-equity ratio is relatively high at 4.44x, indicating a high reliance on debt financing, which could pose risks in a rising interest rate environment. The price-to-book value ratio stood at 0.46x, suggesting that the stock is trading at a discount relative to its book value, which may present an attractive valuation for investors. Furthermore, the current ratio of 1.43x indicates adequate liquidity to meet short-term obligations, although the low asset turnover ratio of 0.10% raises questions about the efficiency of asset utilization.
Shareholding Pattern and Investor Confidence
GIC Housing Finance’s shareholding pattern demonstrates a stable ownership structure, with promoters holding 42.41% of the shares, which reflects strong management control. Foreign institutional investors (FIIs) have a minor stake of 2.16%, while domestic institutional investors (DIIs) hold 5.51%. Public shareholders account for 49.92% of the total shareholding. The number of shareholders has shown an upward trend, increasing from 59,762 in March 2023 to 66,517 by March 2025, indicating growing retail investor interest. However, the slight decline in FIIs’ stake from 3.62% in September 2023 to 2.16% suggests potential caution among foreign investors regarding the company’s growth prospects. This cautious sentiment could impact the stock’s liquidity and overall market perception.
Outlook, Risks, and Final Insight
Looking ahead, GIC Housing Finance faces both opportunities and challenges. The company’s ability to stabilize its revenue and improve profitability metrics, particularly ROE, will be critical in enhancing investor confidence. Risks include the high debt-to-equity ratio, which could amplify financial strain in a rising interest rate environment, and potential volatility in asset quality, despite recent improvements in NPA ratios. Additionally, competition in the housing finance sector remains intense, necessitating strategic initiatives to capture market share. If GIC Housing Finance can effectively manage these risks while leveraging its established market presence, it may navigate toward sustainable growth. Conversely, failure to address these challenges could hinder its performance, impacting shareholder value and long-term viability.
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 | 39.8 Cr. | 39.8 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,134 Cr. | 1,170 | 1,519/839 | 26.8 | 388 | 0.32 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 13,858 Cr. | 277 | 365/268 | 16.4 | 93.0 | 1.62 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,579 Cr. | 411 | 524/308 | 5.91 | 557 | 0.97 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 23,111 Cr. | 887 | 1,142/746 | 10.5 | 690 | 0.56 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,299.20 Cr | 417.68 | 11.42 | 332.17 | 1.01% | 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
| 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
| 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: 6.05 (Industry average Stock P/E: 11.42)
- 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 25 November 2025) is 165.54 which is 2.05% lower the current market price of 169.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 909 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 909 Cr..
What is the current Stock Price of GIC Housing Finance Ltd as on 25 November 2025?
The current stock price of GIC Housing Finance Ltd as on 25 November 2025 is 169.
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 6.05.
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 2.66 %.
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.