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Last Updated: April 2, 2026, 2:57 am
Author: Getaka|Social: XLinkedIn

GIC Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹143.07Fairly Valued by 2.93%vs CMP ₹139.00

P/E (5.2) × ROE (9.0%) × BV (₹371.00) × DY (3.23%)

₹312.52Undervalued by 124.83%vs CMP ₹139.00
MoS: +55.5% (Strong)Confidence: 54/100 (Moderate)Models: 6 Under, 1 Fair, 1 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹136.2623%Fair (-2%)
Graham NumberEarnings₹459.1917%Under (+230.4%)
Earnings PowerEarnings₹258.4414%Under (+85.9%)
DCFCash Flow₹249.8814%Under (+79.8%)
Net Asset ValueAssets₹370.307%Under (+166.4%)
EV/EBITDAEnterprise₹27.809%Over (-80%)
Earnings YieldEarnings₹252.607%Under (+81.7%)
ROCE CapitalReturns₹950.739%Under (+584%)
Consensus (8 models)₹312.52100%Undervalued
Key Drivers: Wide model spread (₹28–₹951) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -4.8%

*Investments are subject to market risks

Investment Snapshot

49
GIC Housing Finance Ltd scores 49/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health54/100 · Moderate
ROCE 8.7% AverageROE 9.0% AverageD/E 6.85 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money40/100 · Moderate
FII holding stable No changeDII holding down 0.84% MF sellingPromoter holding at 42.4% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum40/100 · Moderate
Profit (4Q): -14% YoY Declining
Industry Rank55/100 · Moderate
P/E 5.2 vs industry 9.1 Cheaper than peersROCE 8.7% vs industry 48.2% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 2:57 am

Market Cap 750 Cr.
Current Price 139
Intrinsic Value₹312.52
High / Low 206/130
Stock P/E5.20
Book Value 371
Dividend Yield3.23 %
ROCE8.73 %
ROE8.98 %
Face Value 10.0
PEG Ratio-1.09

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for GIC Housing Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
GIC Housing Finance Ltd 750 Cr. 139 206/1305.20 3713.23 %8.73 %8.98 % 10.0
Reliance Home Finance Ltd 119 Cr. 2.45 7.84/1.94 1.090.00 %432 %% 10.0
Coral India Finance & Housing Ltd 110 Cr. 27.2 53.0/25.07.60 53.21.47 %10.5 %8.64 % 2.00
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of GIC Housing Finance Ltd

Quarterly Result

MetricSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Revenue279281281268268261260274264269272265272
Interest 176178178183179176172174177179174173173
Expenses 301628424741105337323011035
Financing Profit7387754342447747505968-1864
Financing Margin %26%31%27%16%16%17%30%17%19%22%25%-7%23%
Other Income 2363326321-900
Depreciation 2234444444433
Profit before tax 7388784241427947485655-2061
Tax % 23%26%33%24%26%16%32%17%23%12%37%-136%18%
Net Profit 5665523230365439365035750
EPS in Rs 10.4612.159.715.915.606.619.957.236.779.226.521.369.28
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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 4:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue6257338761,0021,1121,2281,2521,2321,1521,1231,0601,0791,081
Interest 419509601668713866946823702703711703692
Expenses 706784106124114191277216126140151217
Financing Profit135157192228275248116131234294209225172
Financing Margin %22%21%22%23%25%20%9%11%20%26%20%21%16%
Other Income 000000385610-3-9
Depreciation 24111164910151512
Profit before tax 133154191227274247112135230290204206151
Tax % 27%33%35%35%25%30%59%22%25%26%26%22%
Net Profit 9810312414820617246106174213151160136
EPS in Rs 18.1119.1223.1227.4338.1931.908.4719.6032.2339.5928.0729.7425.26
Dividend Payout % 33%26%22%18%14%17%24%20%14%11%16%15%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 54545454545454545454545454
Reserves 5576066787841,0641,2001,2091,3041,4571,6451,7751,9111,944
Borrowing4,6525,7947,0018,2379,98411,65911,76811,22610,3659,1688,5848,7519,022
Other Liabilities 256266289329445768575353576062
Total Liabilities 5,5186,7218,0219,40411,14712,96913,09912,64111,92910,92010,47010,77511,081
Fixed Assets 53222319162152442740
CWIP 000000132929910110
Investments 101010261314141415230169255288
Other Assets 5,5036,7088,0099,37611,13212,95313,05312,58111,86410,62910,24810,48210,753
Total Assets 5,5186,7218,0219,40411,14712,96913,09912,64111,92910,92010,47010,77511,081

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -662-1,103-1,167-1,178-1,721-1,645225481,2861,044522-18
Cash from Investing Activity + 012-1621-11-14-4-21364-87
Cash from Financing Activity + 6471,1051,1741,2031,7151,63951-558-892-1,238-619122
Net Cash Flow -143910-5-562-24390-407-3418
Free Cash Flow -663-1,104-1,167-1,179-1,722-1,64785321,2811,038518-20
CFO/OP -111%-158%-140%-123%-170%-140%5%63%145%111%61%3%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow66.0062.0077.0098.00115.00103.00180.00266.00206.00117.00132.00143.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 17%16%18%19%21%14%4%8%12%13%9%9%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%
FIIs 2.22%2.04%3.62%3.28%3.18%2.64%2.91%2.46%2.18%2.67%2.16%2.08%
DIIs 6.34%6.34%6.34%5.89%5.89%5.89%5.89%5.89%5.89%5.51%5.51%5.05%
Public 49.03%49.21%47.63%48.40%48.52%49.04%48.79%49.24%49.52%49.39%49.92%50.46%
No. of Shareholders 59,76259,47857,44358,59962,41066,66867,58967,79066,51765,37564,22662,585

Shareholding Pattern Chart

No. of Shareholders

GIC Housing Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22
FaceValue 10.0010.0010.0010.00
Basic EPS (Rs.) 29.7928.1139.6032.22
Diluted EPS (Rs.) 29.7928.1139.6032.22
Cash EPS (Rs.) 32.5630.8841.4233.80
Book Value[Excl.RevalReserv]/Share (Rs.) 364.67339.43315.39280.39
Book Value[Incl.RevalReserv]/Share (Rs.) 364.67339.43315.39280.39
Revenue From Operations / Share (Rs.) 200.24196.21206.92213.40
PBDIT / Share (Rs.) 174.04172.52186.02174.44
PBIT / Share (Rs.) 171.25169.74184.18172.85
PBT / Share (Rs.) 38.3637.8953.8042.75
Net Profit / Share (Rs.) 29.7728.0939.5832.20
NP After MI And SOA / Share (Rs.) 29.7728.0939.5832.20
PBDIT Margin (%) 86.9187.9289.8981.74
PBIT Margin (%) 85.5286.5089.0080.99
PBT Margin (%) 19.1519.3125.9920.03
Net Profit Margin (%) 14.8614.3119.1215.09
NP After MI And SOA Margin (%) 14.8614.3119.1215.09
Return on Networth / Equity (%) 8.168.2712.5411.48
Return on Capital Employeed (%) 27.5335.3234.8130.81
Return On Assets (%) 1.481.441.951.45
Long Term Debt / Equity (X) 0.680.390.660.98
Total Debt / Equity (X) 4.444.685.386.85
Asset Turnover Ratio (%) 0.100.090.090.00
Current Ratio (X) 1.431.311.331.32
Quick Ratio (X) 1.431.311.331.32
Dividend Payout Ratio (NP) (%) 15.1016.0011.3612.41
Dividend Payout Ratio (CP) (%) 13.8114.5610.8511.82
Earning Retention Ratio (%) 84.9084.0088.6487.59
Cash Earning Retention Ratio (%) 86.1985.4489.1588.18
Interest Coverage Ratio (X) 1.331.311.431.34
Interest Coverage Ratio (Post Tax) (X) 1.251.211.301.25
Enterprise Value (Cr.) 9572.339607.789887.4410571.51
EV / Net Operating Revenue (X) 8.879.098.879.19
EV / EBITDA (X) 10.2110.349.8611.25
MarketCap / Net Operating Revenue (X) 0.831.030.740.61
Retention Ratios (%) 84.8983.9988.6387.58
Price / BV (X) 0.460.590.490.46
Price / Net Operating Revenue (X) 0.831.030.740.61
EarningsYield 0.170.130.250.24

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

GIC Housing Finance Ltd. is a Public Limited Listed company incorporated on 12/12/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65922MH1989PLC054583 and registration number is 054583. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company's Total Operating Revenue is Rs. 1078.91 Cr. and Equity Capital is Rs. 53.88 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - HousingNational Insurance Building, 6th Floor, Mumbai Maharashtra 400020Contact not found
Management
NamePosition Held
Mr. Ramaswamy NarayananChairman & Non-Exe.Director
Mr. Sachindra SalviManaging Director & CEO
Mrs. Rajeshwari Singh MuniNon Executive Director
Mr. B S RahulNon Executive Director
Mr. Hitesh JoshiNon Executive Director
Mr. Girija SubramanianNon Executive Director
Mr. Sanjay JoshiNon Executive Director
Mr. Sathia Jeeva KrishnanIndependent Director
Mr. N DamodharanIndependent Director
Mr. Sunil KakarIndependent Director
Mrs. Rani Singh NairIndependent Director
Mr. A K SaxenaIndependent Director
Mr. Vaijinath M GavarshettyIndependent Director
Mr. Kishore GarimellaIndependent Director

FAQ

What is the intrinsic value of GIC Housing Finance Ltd and is it undervalued?

As of 09 April 2026, GIC Housing Finance Ltd's intrinsic value is ₹312.52, which is 124.83% higher than the current market price of ₹139.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (8.98 %), book value (₹371), dividend yield (3.23 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of GIC Housing Finance Ltd?

GIC Housing Finance Ltd is trading at ₹139.00 as of 09 April 2026, with a FY2026-2027 high of ₹206 and low of ₹130. The stock is currently near its 52-week low. Market cap stands at ₹750 Cr..

How does GIC Housing Finance Ltd's P/E ratio compare to its industry?

GIC Housing Finance Ltd has a P/E ratio of 5.20, which is below the industry average of 9.06. This is broadly in line with or below the industry average.

Is GIC Housing Finance Ltd financially healthy?

Key indicators for GIC Housing Finance Ltd: ROCE of 8.73 % is on the lower side compared to the industry average of 48.21%. Dividend yield is 3.23 %.

Is GIC Housing Finance Ltd profitable and how is the profit trend?

GIC Housing Finance Ltd reported a net profit of ₹160 Cr in Mar 2025 on revenue of ₹1,079 Cr. Compared to ₹174 Cr in Mar 2022, the net profit shows a declining trend.

Does GIC Housing Finance Ltd pay dividends?

GIC Housing Finance Ltd has a dividend yield of 3.23 % at the current price of ₹139.00. This is a relatively attractive yield for income-seeking investors.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in GIC Housing Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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