Share Price and Basic Stock Data
Last Updated: October 10, 2025, 9:10 pm
| PEG Ratio | 0.78 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
GIC Housing Finance Ltd, operating in the housing finance sector, has a market capitalization of ₹934 crore with a price of ₹174 per share. Looking at the quarterly data, the company has shown resilience in its revenue trends despite market fluctuations. In the last quarter, GIC Housing Finance reported a net profit of ₹160 crore, reflecting its ability to generate consistent earnings. While operating profit margin (OPM) data is not available, the company’s focus on managing expenses efficiently is evident. With a significant presence in the housing finance market, GIC Housing Finance has maintained a steady growth trajectory in sales, showcasing its market stability and competitive positioning.
Profitability and Efficiency Metrics
Analyzing key profitability and efficiency metrics, GIC Housing Finance’s return on equity (ROE) stands at 8.98%, and return on capital employed (ROCE) at 8.73%. These figures indicate a decent performance, although slightly below sector averages. The interest coverage ratio (ICR) of 1.31x suggests the company can meet its interest obligations comfortably. However, the low price-to-book value (P/BV) ratio of 0.59x may signal undervaluation or underlying concerns. The company’s earnings per share (EPS) trend aligns with the industry, showing stability but with potential for enhancement through strategic initiatives.
Balance Sheet Strength and Financial Ratios
With reserves amounting to ₹1,911 crore and no specific borrowing data provided, GIC Housing Finance exhibits a healthy reserve position, indicating financial stability. The absence of borrowing figures warrants a closer look at the company’s debt-equity ratio and overall leverage levels. The current ratio, quick ratio, and cash conversion cycle data would have provided deeper insights into the company’s liquidity and working capital efficiency, which are crucial for sustaining operations and growth in the long term.
Shareholding Pattern and Investor Confidence
Examining the shareholding pattern, GIC Housing Finance shows promoter holding at 42.41%, with FIIs at 2.67% and DIIs at 5.51%. The public holds the majority stake at 49.39%, reflecting a well-distributed ownership structure. Changes in promoter confidence and institutional participation can significantly impact the company’s valuation and market sentiment. Increasing FII or DII holdings may signal positive investor sentiment and confidence in the company’s future prospects, potentially leading to a re-rating of the stock in the market.
Outlook, Risks, and Final Insight
Looking ahead, GIC Housing Finance’s growth prospects depend on various factors such as the economic environment, interest rate movements, and regulatory changes in the housing finance sector. Key growth drivers could include expanding the loan portfolio, enhancing digital capabilities, and diversifying product offerings to cater to evolving customer needs. However, risks such as rising non-performing assets, intense competition, and interest rate volatility could pose challenges. Strengthening risk management practices and maintaining a robust balance sheet will be crucial for navigating uncertainties. In conclusion, while GIC Housing Finance exhibits stability and growth potential, proactive strategies are essential to mitigate risks and drive sustainable value creation for shareholders.
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 | 39.7 Cr. | 39.7 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,473 Cr. | 1,206 | 1,519/839 | 30.2 | 280 | 0.31 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 15,464 Cr. | 310 | 402/268 | 19.4 | 86.4 | 1.45 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,465 Cr. | 394 | 524/308 | 5.58 | 530 | 1.02 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,229 Cr. | 854 | 1,142/746 | 10.9 | 648 | 0.59 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,371.00 Cr | 413.45 | 12.11 | 308.75 | 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: June 16, 2025, 5:29 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 625 | 733 | 876 | 1,002 | 1,112 | 1,228 | 1,252 | 1,232 | 1,152 | 1,123 | 1,060 | 1,079 |
| Interest | 419 | 509 | 601 | 668 | 713 | 866 | 946 | 823 | 702 | 703 | 711 | 703 |
| Expenses | 70 | 67 | 84 | 106 | 124 | 114 | 191 | 277 | 216 | 126 | 140 | 151 |
| Financing Profit | 135 | 157 | 192 | 228 | 275 | 248 | 116 | 131 | 234 | 294 | 209 | 224 |
| Financing Margin % | 22% | 21% | 22% | 23% | 25% | 20% | 9% | 11% | 20% | 26% | 20% | 21% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 8 | 5 | 6 | 10 | -3 |
| Depreciation | 2 | 4 | 1 | 1 | 1 | 1 | 6 | 4 | 9 | 10 | 15 | 15 |
| Profit before tax | 133 | 154 | 191 | 227 | 274 | 247 | 112 | 135 | 230 | 290 | 204 | 206 |
| 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 |
| 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 |
| 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 24 | Mar 23 | Mar 22 |
|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 28.11 | 39.60 | 32.22 |
| Diluted EPS (Rs.) | 28.11 | 39.60 | 32.22 |
| Cash EPS (Rs.) | 30.88 | 41.42 | 33.80 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 339.43 | 315.39 | 280.39 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 339.43 | 315.39 | 280.39 |
| Revenue From Operations / Share (Rs.) | 196.21 | 206.92 | 213.40 |
| PBDIT / Share (Rs.) | 172.52 | 186.02 | 174.44 |
| PBIT / Share (Rs.) | 169.74 | 184.18 | 172.85 |
| PBT / Share (Rs.) | 37.89 | 53.80 | 42.75 |
| Net Profit / Share (Rs.) | 28.09 | 39.58 | 32.20 |
| NP After MI And SOA / Share (Rs.) | 28.09 | 39.58 | 32.20 |
| PBDIT Margin (%) | 87.92 | 89.89 | 81.74 |
| PBIT Margin (%) | 86.50 | 89.00 | 80.99 |
| PBT Margin (%) | 19.31 | 25.99 | 20.03 |
| Net Profit Margin (%) | 14.31 | 19.12 | 15.09 |
| NP After MI And SOA Margin (%) | 14.31 | 19.12 | 15.09 |
| Return on Networth / Equity (%) | 8.27 | 12.54 | 11.48 |
| Return on Capital Employeed (%) | 35.32 | 34.81 | 30.81 |
| Return On Assets (%) | 1.44 | 1.95 | 1.45 |
| Long Term Debt / Equity (X) | 0.39 | 0.66 | 0.98 |
| Total Debt / Equity (X) | 4.68 | 5.38 | 6.85 |
| Asset Turnover Ratio (%) | 0.09 | 0.09 | 0.00 |
| Current Ratio (X) | 1.31 | 1.33 | 1.32 |
| Quick Ratio (X) | 1.31 | 1.33 | 1.32 |
| Dividend Payout Ratio (NP) (%) | 16.00 | 11.36 | 12.41 |
| Dividend Payout Ratio (CP) (%) | 14.56 | 10.85 | 11.82 |
| Earning Retention Ratio (%) | 84.00 | 88.64 | 87.59 |
| Cash Earning Retention Ratio (%) | 85.44 | 89.15 | 88.18 |
| Interest Coverage Ratio (X) | 1.31 | 1.43 | 1.34 |
| Interest Coverage Ratio (Post Tax) (X) | 1.21 | 1.30 | 1.25 |
| Enterprise Value (Cr.) | 9607.78 | 9887.44 | 10571.51 |
| EV / Net Operating Revenue (X) | 9.09 | 8.87 | 9.19 |
| EV / EBITDA (X) | 10.34 | 9.86 | 11.25 |
| MarketCap / Net Operating Revenue (X) | 1.03 | 0.74 | 0.61 |
| Retention Ratios (%) | 83.99 | 88.63 | 87.58 |
| Price / BV (X) | 0.59 | 0.49 | 0.46 |
| Price / Net Operating Revenue (X) | 1.03 | 0.74 | 0.61 |
| EarningsYield | 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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 24, the value is 28.11. This value is within the healthy range. It has decreased from 39.60 (Mar 23) to 28.11, marking a decrease of 11.49.
- For Diluted EPS (Rs.), as of Mar 24, the value is 28.11. This value is within the healthy range. It has decreased from 39.60 (Mar 23) to 28.11, marking a decrease of 11.49.
- For Cash EPS (Rs.), as of Mar 24, the value is 30.88. This value is within the healthy range. It has decreased from 41.42 (Mar 23) to 30.88, marking a decrease of 10.54.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 339.43. It has increased from 315.39 (Mar 23) to 339.43, marking an increase of 24.04.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 339.43. It has increased from 315.39 (Mar 23) to 339.43, marking an increase of 24.04.
- For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 196.21. It has decreased from 206.92 (Mar 23) to 196.21, marking a decrease of 10.71.
- For PBDIT / Share (Rs.), as of Mar 24, the value is 172.52. This value is within the healthy range. It has decreased from 186.02 (Mar 23) to 172.52, marking a decrease of 13.50.
- For PBIT / Share (Rs.), as of Mar 24, the value is 169.74. This value is within the healthy range. It has decreased from 184.18 (Mar 23) to 169.74, marking a decrease of 14.44.
- For PBT / Share (Rs.), as of Mar 24, the value is 37.89. This value is within the healthy range. It has decreased from 53.80 (Mar 23) to 37.89, marking a decrease of 15.91.
- For Net Profit / Share (Rs.), as of Mar 24, the value is 28.09. This value is within the healthy range. It has decreased from 39.58 (Mar 23) to 28.09, marking a decrease of 11.49.
- For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 28.09. This value is within the healthy range. It has decreased from 39.58 (Mar 23) to 28.09, marking a decrease of 11.49.
- For PBDIT Margin (%), as of Mar 24, the value is 87.92. This value is within the healthy range. It has decreased from 89.89 (Mar 23) to 87.92, marking a decrease of 1.97.
- For PBIT Margin (%), as of Mar 24, the value is 86.50. This value exceeds the healthy maximum of 20. It has decreased from 89.00 (Mar 23) to 86.50, marking a decrease of 2.50.
- For PBT Margin (%), as of Mar 24, the value is 19.31. This value is within the healthy range. It has decreased from 25.99 (Mar 23) to 19.31, marking a decrease of 6.68.
- For Net Profit Margin (%), as of Mar 24, the value is 14.31. This value exceeds the healthy maximum of 10. It has decreased from 19.12 (Mar 23) to 14.31, marking a decrease of 4.81.
- For NP After MI And SOA Margin (%), as of Mar 24, the value is 14.31. This value is within the healthy range. It has decreased from 19.12 (Mar 23) to 14.31, marking a decrease of 4.81.
- For Return on Networth / Equity (%), as of Mar 24, the value is 8.27. This value is below the healthy minimum of 15. It has decreased from 12.54 (Mar 23) to 8.27, marking a decrease of 4.27.
- For Return on Capital Employeed (%), as of Mar 24, the value is 35.32. This value is within the healthy range. It has increased from 34.81 (Mar 23) to 35.32, marking an increase of 0.51.
- For Return On Assets (%), as of Mar 24, the value is 1.44. This value is below the healthy minimum of 5. It has decreased from 1.95 (Mar 23) to 1.44, marking a decrease of 0.51.
- For Long Term Debt / Equity (X), as of Mar 24, the value is 0.39. This value is within the healthy range. It has decreased from 0.66 (Mar 23) to 0.39, marking a decrease of 0.27.
- For Total Debt / Equity (X), as of Mar 24, the value is 4.68. This value exceeds the healthy maximum of 1. It has decreased from 5.38 (Mar 23) to 4.68, marking a decrease of 0.70.
- For Asset Turnover Ratio (%), as of Mar 24, the value is 0.09. There is no change compared to the previous period (Mar 23) which recorded 0.09.
- For Current Ratio (X), as of Mar 24, the value is 1.31. This value is below the healthy minimum of 1.5. It has decreased from 1.33 (Mar 23) to 1.31, marking a decrease of 0.02.
- For Quick Ratio (X), as of Mar 24, the value is 1.31. This value is within the healthy range. It has decreased from 1.33 (Mar 23) to 1.31, marking a decrease of 0.02.
- For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 16.00. This value is below the healthy minimum of 20. It has increased from 11.36 (Mar 23) to 16.00, marking an increase of 4.64.
- For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 14.56. This value is below the healthy minimum of 20. It has increased from 10.85 (Mar 23) to 14.56, marking an increase of 3.71.
- For Earning Retention Ratio (%), as of Mar 24, the value is 84.00. This value exceeds the healthy maximum of 70. It has decreased from 88.64 (Mar 23) to 84.00, marking a decrease of 4.64.
- For Cash Earning Retention Ratio (%), as of Mar 24, the value is 85.44. This value exceeds the healthy maximum of 70. It has decreased from 89.15 (Mar 23) to 85.44, marking a decrease of 3.71.
- For Interest Coverage Ratio (X), as of Mar 24, the value is 1.31. This value is below the healthy minimum of 3. It has decreased from 1.43 (Mar 23) to 1.31, marking a decrease of 0.12.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.21. This value is below the healthy minimum of 3. It has decreased from 1.30 (Mar 23) to 1.21, marking a decrease of 0.09.
- For Enterprise Value (Cr.), as of Mar 24, the value is 9,607.78. It has decreased from 9,887.44 (Mar 23) to 9,607.78, marking a decrease of 279.66.
- For EV / Net Operating Revenue (X), as of Mar 24, the value is 9.09. This value exceeds the healthy maximum of 3. It has increased from 8.87 (Mar 23) to 9.09, marking an increase of 0.22.
- For EV / EBITDA (X), as of Mar 24, the value is 10.34. This value is within the healthy range. It has increased from 9.86 (Mar 23) to 10.34, marking an increase of 0.48.
- For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.03. This value is within the healthy range. It has increased from 0.74 (Mar 23) to 1.03, marking an increase of 0.29.
- For Retention Ratios (%), as of Mar 24, the value is 83.99. This value exceeds the healthy maximum of 70. It has decreased from 88.63 (Mar 23) to 83.99, marking a decrease of 4.64.
- For Price / BV (X), as of Mar 24, the value is 0.59. This value is below the healthy minimum of 1. It has increased from 0.49 (Mar 23) to 0.59, marking an increase of 0.10.
- For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.03. This value is within the healthy range. It has increased from 0.74 (Mar 23) to 1.03, marking an increase of 0.29.
- For EarningsYield, as of Mar 24, the value is 0.13. This value is below the healthy minimum of 5. It has decreased from 0.25 (Mar 23) to 0.13, marking a decrease of 0.12.
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: 14.31%
- 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: 35.32% (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%: 8.27% (Industry Average ROE: 10.91%)
- 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): 1.21
- 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: 1.31
- 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: 6.82 (Industry average Stock P/E: 9.91)
- 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: 4.68
- 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: 14.31%
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 10 October 2025) is 183.48 which is 6.06% higher the current market price of 173.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹933 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 933 Cr..
What is the current Stock Price of GIC Housing Finance Ltd as on 10 October 2025?
The current stock price of GIC Housing Finance Ltd as on 10 October 2025 is 173.
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 6.82.
What is the Book Value of GIC Housing Finance Ltd?
The Book Value of GIC Housing Finance Ltd is 365.
What is the Dividend Yield of GIC Housing Finance Ltd?
The Dividend Yield of GIC Housing Finance Ltd is 2.60 %.
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.