Share Price and Basic Stock Data
Last Updated: February 6, 2026, 2:47 pm
| PEG Ratio | -1.49 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
GIC Housing Finance Ltd operates in the housing finance sector, where it reported a market capitalization of ₹856 Cr and a current share price of ₹159. The company has shown a fluctuating revenue performance over the past quarters. For instance, revenue stood at ₹279 Cr in September 2022 and slightly increased to ₹281 Cr in December 2022, before witnessing a decline to ₹268 Cr by June 2023. The revenue trend remained subdued, with ₹261 Cr reported in December 2023 and a marginal recovery to ₹274 Cr in June 2024. However, subsequent quarters indicate a decrease, with ₹264 Cr in September 2024 and ₹269 Cr in December 2024. The trailing twelve months (TTM) revenue reported is ₹1,078 Cr, reflecting a slight decline compared to the ₹1,123 Cr recorded in March 2023. This revenue trajectory highlights a challenging environment, likely influenced by competitive pressures and economic conditions affecting the housing market.
Profitability and Efficiency Metrics
GIC Housing Finance has exhibited varied profitability metrics, with a net profit of ₹142 Cr and a P/E ratio of 5.70, indicating a low valuation relative to earnings. The net profit margin stood at 14.86% for the year ending March 2025, which is lower than the 19.12% margin reported in March 2023, suggesting a decline in operational efficiency. The financing profit has also shown volatility, with a significant drop in June 2025 to -₹18 Cr after reporting ₹294 Cr for March 2023. The return on equity (ROE) for the same period was 8.98%, which reflects a steady decline from 12.54% in March 2023. The interest coverage ratio (ICR) of 1.33x indicates that the company is just above the threshold for covering its interest obligations, reflecting a moderate risk in its ability to manage debt. Overall, while profitability remains a key strength, the declining margins and profitability metrics highlight areas needing strategic improvement.
Balance Sheet Strength and Financial Ratios
GIC Housing Finance’s balance sheet reflects a reserve of ₹1,944 Cr and a total borrowing figure of ₹9,022 Cr as of September 2025. The company maintains a debt-to-equity ratio of 4.44, which is considerably high compared to typical sector norms, indicating potential leverage risks. The price-to-book value (P/BV) ratio is at 0.46x, suggesting that the stock may be undervalued relative to its book value, which stood at ₹364.67 per share as of March 2025. The gross non-performing asset (NPA) ratio was reported at 4.52% in September 2025, which is concerning as it is higher than the 4.59% recorded a year earlier, indicating an uptick in asset quality issues. The company’s return on capital employed (ROCE) was recorded at 8.73%, demonstrating a moderate efficiency in utilizing its capital. The balance sheet reflects both strengths in reserves but also highlights risks associated with high leverage and asset quality deterioration.
Shareholding Pattern and Investor Confidence
The shareholding pattern of GIC Housing Finance Ltd reveals a stable promoter holding of 42.41% across multiple quarters, indicating strong management control. The public shareholding stands at 49.92%, suggesting a diverse investor base. Foreign institutional investors (FIIs) accounted for 2.16% of the holdings, while domestic institutional investors (DIIs) controlled 5.51%. The number of shareholders has shown a slight decline, from 67,790 in December 2024 to 64,226 in September 2025, which may indicate waning investor interest or confidence. The consistent promoter stake can be viewed positively, as it shows commitment and aligns management interests with those of shareholders. However, the low FII and DII presence may raise concerns regarding broader market confidence in the stock. Overall, the shareholding dynamics present a mixed picture that could impact future capital raising and market perception.
Outlook, Risks, and Final Insight
The outlook for GIC Housing Finance Ltd is shaped by both challenges and opportunities. The company’s low P/E ratio suggests potential undervaluation, providing an attractive entry point for investors if operational efficiencies are improved. However, risks persist, particularly from the rising NPA levels and high leverage, which could strain profitability and financial stability. The declining revenue trend and fluctuations in net profit raise concerns about the sustainability of growth in a competitive housing finance market. Additionally, economic factors such as interest rate movements and housing demand will significantly influence future performance. If the company can enhance its asset quality and streamline operations, it may recover and leverage its strong reserve base effectively. Conversely, failure to address these risks could lead to further declines in profitability and investor confidence, necessitating a vigilant approach in monitoring the evolving landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 41.8 Cr. | 41.8 | 49.7/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,231 Cr. | 1,175 | 1,519/839 | 24.7 | 386 | 0.32 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 12,999 Cr. | 260 | 365/257 | 14.6 | 93.0 | 1.68 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,522 Cr. | 403 | 464/308 | 5.76 | 557 | 1.13 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,126 Cr. | 849 | 1,142/746 | 9.87 | 690 | 0.59 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,036.00 Cr | 414.09 | 10.70 | 331.84 | 1.06% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 279 | 281 | 281 | 268 | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 |
| Interest | 176 | 178 | 178 | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 |
| Expenses | 30 | 16 | 28 | 42 | 47 | 41 | 10 | 53 | 37 | 32 | 30 | 110 | 35 |
| Financing Profit | 73 | 87 | 75 | 43 | 42 | 44 | 77 | 47 | 50 | 59 | 68 | -18 | 64 |
| Financing Margin % | 26% | 31% | 27% | 16% | 16% | 17% | 30% | 17% | 19% | 22% | 25% | -7% | 23% |
| Other Income | 2 | 3 | 6 | 3 | 3 | 2 | 6 | 3 | 2 | 1 | -9 | 0 | 0 |
| Depreciation | 2 | 2 | 3 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 |
| Profit before tax | 73 | 88 | 78 | 42 | 41 | 42 | 79 | 47 | 48 | 56 | 55 | -20 | 61 |
| Tax % | 23% | 26% | 33% | 24% | 26% | 16% | 32% | 17% | 23% | 12% | 37% | -136% | 18% |
| Net Profit | 56 | 65 | 52 | 32 | 30 | 36 | 54 | 39 | 36 | 50 | 35 | 7 | 50 |
| EPS in Rs | 10.46 | 12.15 | 9.71 | 5.91 | 5.60 | 6.61 | 9.95 | 7.23 | 6.77 | 9.22 | 6.52 | 1.36 | 9.28 |
| Gross NPA % | 7.52% | 6.89% | 4.68% | 4.69% | 4.59% | 4.59% | 3.88% | 3.98% | 3.78% | 3.47% | 3.03% | 4.52% | |
| Net NPA % | 4.45% | 3.94% | 3.29% | 3.25% | 3.08% | 3.01% | 2.69% | 2.56% | 2.43% | 2.22% | 1.96% | 1.99% |
Last Updated: January 1, 2026, 4:16 pm
Below is a detailed analysis of the quarterly data for GIC Housing Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 173.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 173.00 Cr..
- For Expenses, as of Sep 2025, the value is 35.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 110.00 Cr. (Jun 2025) to 35.00 Cr., marking a decrease of 75.00 Cr..
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 3.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 61.00 Cr.. The value appears strong and on an upward trend. It has increased from -20.00 Cr. (Jun 2025) to 61.00 Cr., marking an increase of 81.00 Cr..
- For Tax %, as of Sep 2025, the value is 18.00%. The value appears to be increasing, which may not be favorable. It has increased from -136.00% (Jun 2025) to 18.00%, marking an increase of 154.00%.
- For Net Profit, as of Sep 2025, the value is 50.00 Cr.. The value appears strong and on an upward trend. It has increased from 7.00 Cr. (Jun 2025) to 50.00 Cr., marking an increase of 43.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 9.28. The value appears strong and on an upward trend. It has increased from 1.36 (Jun 2025) to 9.28, marking an increase of 7.92.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:20 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: December 4, 2025, 1:17 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54 | 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 | 1,944 |
| 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 | 9,022 |
| Other Liabilities | 256 | 266 | 289 | 329 | 44 | 57 | 68 | 57 | 53 | 53 | 57 | 60 | 62 |
| 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 | 11,081 |
| Fixed Assets | 5 | 3 | 2 | 2 | 2 | 3 | 19 | 16 | 21 | 52 | 44 | 27 | 40 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 29 | 29 | 9 | 10 | 11 | 0 |
| Investments | 10 | 10 | 10 | 26 | 13 | 14 | 14 | 14 | 15 | 230 | 169 | 255 | 288 |
| 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 | 10,753 |
| 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 | 11,081 |
Below is a detailed analysis of the balance sheet data for GIC Housing Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 54.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 54.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,944.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,911.00 Cr. (Mar 2025) to 1,944.00 Cr., marking an increase of 33.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 62.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 60.00 Cr. (Mar 2025) to 62.00 Cr., marking an increase of 2.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 11,081.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,775.00 Cr. (Mar 2025) to 11,081.00 Cr., marking an increase of 306.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 40.00 Cr.. The value appears strong and on an upward trend. It has increased from 27.00 Cr. (Mar 2025) to 40.00 Cr., marking an increase of 13.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 11.00 Cr..
- For Investments, as of Sep 2025, the value is 288.00 Cr.. The value appears strong and on an upward trend. It has increased from 255.00 Cr. (Mar 2025) to 288.00 Cr., marking an increase of 33.00 Cr..
- For Other Assets, as of Sep 2025, the value is 10,753.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,482.00 Cr. (Mar 2025) to 10,753.00 Cr., marking an increase of 271.00 Cr..
- For Total Assets, as of Sep 2025, the value is 11,081.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,775.00 Cr. (Mar 2025) to 11,081.00 Cr., marking an increase of 306.00 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
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: 5.86 (Industry average Stock P/E: 10.7)
- 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 | Contact not found |
| 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 06 February 2026) is ₹154.20 which is 5.40% lower the current market price of ₹163.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹879 Cr. market cap, FY2025-2026 high/low of ₹206/151, reserves of ₹1,944 Cr, and liabilities of ₹11,081 Cr.
What is the Market Cap of GIC Housing Finance Ltd?
The Market Cap of GIC Housing Finance Ltd is 879 Cr..
What is the current Stock Price of GIC Housing Finance Ltd as on 06 February 2026?
The current stock price of GIC Housing Finance Ltd as on 06 February 2026 is ₹163.
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 ₹206/151.
What is the Stock P/E of GIC Housing Finance Ltd?
The Stock P/E of GIC Housing Finance Ltd is 5.86.
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 2.76 %.
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.