GIC Housing Finance Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 2:01 pm

Market Cap	904 Cr.
Current Price	168
High / Low	279/151
Stock P/E	5.06
Book Value	349
Dividend Yield	2.68 %
ROCE	8.54 %
ROE	8.30 %
Face Value	10.0
PEG Ratio	0.46

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for GIC Housing Finance Ltd

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	43.9 Cr.	43.9	87.9/38.6		121	0.00 %	7.86 %	%	10.0
Home First Finance Company India Ltd	8,873 Cr.	985	1,383/777	24.6	255	0.35 %	11.2 %	15.5 %	2.00
Aptus Value Housing Finance India Ltd	15,059 Cr.	301	402/268	21.3	80.3	1.50 %	14.7 %	17.2 %	2.00
Repco Home Finance Ltd	2,038 Cr.	326	595/308	4.71	494	0.92 %	10.5 %	14.6 %	10.0
PNB Housing Finance Ltd	21,265 Cr.	818	1,202/600	11.6	575	0.00 %	9.27 %	11.8 %	10.0
Industry Average	9,439.50 Cr	364.83		10.78	287.76	0.90%	11.06%	13.49%	5.64

All Competitor Stocks of GIC Housing Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	292	288	274	279	281	281	268	268	261	260	274	264	269
Interest	172	166	170	176	178	178	183	179	176	172	174	177	179
Expenses	20	48	53	30	16	28	42	47	41	10	53	37	32
Financing Profit	100	75	51	73	87	75	43	42	44	77	47	50	59
Financing Margin %	34%	26%	19%	26%	31%	27%	16%	16%	17%	30%	17%	19%	22%
Other Income	1	2	2	2	3	6	3	3	2	6	3	2	1
Depreciation	3	3	2	2	2	3	4	4	4	4	4	4	4
Profit before tax	98	73	51	73	88	78	42	41	42	79	47	48	56
Tax %	22%	33%	23%	23%	26%	33%	24%	26%	16%	32%	17%	23%	12%
Net Profit	77	49	39	56	65	52	32	30	36	54	39	36	50
EPS in Rs	14.21	9.10	7.28	10.46	12.15	9.71	5.91	5.60	6.61	9.95	7.23	6.77	9.22
Gross NPA %	9.97%	8.60%	8.27%	7.52%	6.89%	4.68%	4.69%	4.59%	4.59%	3.88%	3.98%	3.78%	3.47%
Net NPA %	6.53%	5.59%	5.11%	4.45%	3.94%	3.29%	3.25%	3.08%	3.01%	2.69%	2.56%	2.43%	2.22%

Last Updated: February 28, 2025, 7:51 pm

Below is a detailed analysis of the quarterly data for GIC Housing Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹179.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 177.00 Cr. (Sep 2024) to ₹179.00 Cr., marking an increase of ₹2.00 Cr..
For Expenses, as of Dec 2024, the value is ₹32.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 37.00 Cr. (Sep 2024) to ₹32.00 Cr., marking a decrease of 5.00 Cr..
For Other Income, as of Dec 2024, the value is ₹1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2.00 Cr. (Sep 2024) to ₹1.00 Cr., marking a decrease of 1.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹4.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 4.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹56.00 Cr.. The value appears strong and on an upward trend. It has increased from 48.00 Cr. (Sep 2024) to ₹56.00 Cr., marking an increase of ₹8.00 Cr..
For Tax %, as of Dec 2024, the value is 12.00%. The value appears to be improving (decreasing) as expected. It has decreased from 23.00% (Sep 2024) to 12.00%, marking a decrease of 11.00%.
For Net Profit, as of Dec 2024, the value is ₹50.00 Cr.. The value appears strong and on an upward trend. It has increased from 36.00 Cr. (Sep 2024) to ₹50.00 Cr., marking an increase of ₹14.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 9.22. The value appears strong and on an upward trend. It has increased from ₹6.77 (Sep 2024) to 9.22, marking an increase of ₹2.45.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:14 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	554	625	733	876	1,002	1,112	1,228	1,252	1,232	1,152	1,123	1,060	1,067
Interest	373	419	509	601	668	713	866	946	823	702	703	711	702
Expenses	66	70	67	84	106	124	114	191	277	216	126	140	132
Financing Profit	115	135	157	192	228	275	248	116	131	234	294	209	234
Financing Margin %	21%	22%	21%	22%	23%	25%	20%	9%	11%	20%	26%	20%	22%
Other Income	0	0	0	0	0	0	0	3	8	5	6	10	11
Depreciation	2	2	4	1	1	1	1	6	4	9	10	15	15
Profit before tax	113	133	154	191	227	274	247	112	135	230	290	204	230
Tax %	25%	27%	33%	35%	35%	25%	30%	59%	22%	25%	26%	26%
Net Profit	85	98	103	124	148	206	172	46	106	174	213	151	179
EPS in Rs	15.79	18.11	19.12	23.12	27.43	38.19	31.90	8.47	19.60	32.23	39.59	28.07	33.17
Dividend Payout %	32%	33%	26%	22%	18%	14%	17%	24%	20%	14%	11%	16%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	15.29%	5.10%	20.39%	19.35%	39.19%	-16.50%	-73.26%	130.43%	64.15%	22.41%	-29.11%
Change in YoY Net Profit Growth (%)	0.00%	-10.19%	15.29%	-1.03%	19.83%	-55.69%	-56.75%	203.69%	-66.28%	-41.74%	-51.52%

GIC Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	5%
5 Years:	-3%
3 Years:	-5%
TTM:	-1%

Compounded Profit Growth
10 Years:	4%
5 Years:	-3%
3 Years:	12%
TTM:	19%

Stock Price CAGR
10 Years:	-3%
5 Years:	20%
3 Years:	6%
1 Year:	-23%

Return on Equity
10 Years:	12%
5 Years:	9%
3 Years:	11%
Last Year:	8%

Last Updated: Unknown

Balance Sheet

Last Updated: January 13, 2025, 3:42 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	54	54	54	54	54	54	54	54	54	54	54	54	54
Reserves	497	557	606	678	784	1,064	1,200	1,209	1,304	1,457	1,645	1,775	1,826
Borrowings	3,973	4,652	5,794	7,001	8,237	9,984	11,659	11,768	11,226	10,365	9,168	8,584	8,673
Other Liabilities	228	256	266	289	329	44	57	68	57	53	53	57	61
Total Liabilities	4,751	5,518	6,721	8,021	9,404	11,147	12,969	13,099	12,641	11,929	10,920	10,470	10,615
Fixed Assets	6	5	3	2	2	2	3	19	16	21	52	44	56
CWIP	0	0	0	0	0	0	0	13	29	29	9	10	0
Investments	10	10	10	10	26	13	14	14	14	15	230	169	253
Other Assets	4,735	5,503	6,708	8,009	9,376	11,132	12,953	13,053	12,581	11,864	10,629	10,248	10,306
Total Assets	4,751	5,518	6,721	8,021	9,404	11,147	12,969	13,099	12,641	11,929	10,920	10,470	10,615

Below is a detailed analysis of the balance sheet data for GIC Housing Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹1,826.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1,775.00 Cr. (Mar 2024) to ₹1,826.00 Cr., marking an increase of 51.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹8,673.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹8,584.00 Cr. (Mar 2024) to ₹8,673.00 Cr., marking an increase of 89.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹61.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹57.00 Cr. (Mar 2024) to ₹61.00 Cr., marking an increase of 4.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹10,615.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹10,470.00 Cr. (Mar 2024) to ₹10,615.00 Cr., marking an increase of 145.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹56.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹44.00 Cr. (Mar 2024) to ₹56.00 Cr., marking an increase of 12.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹10.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 10.00 Cr..
For Investments, as of Sep 2024, the value is ₹253.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹169.00 Cr. (Mar 2024) to ₹253.00 Cr., marking an increase of 84.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹10,306.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹10,248.00 Cr. (Mar 2024) to ₹10,306.00 Cr., marking an increase of 58.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹10,615.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹10,470.00 Cr. (Mar 2024) to ₹10,615.00 Cr., marking an increase of 145.00 Cr..

However, the Borrowings (8,673.00 Cr.) are higher than the Reserves (₹1,826.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-262	-662	-1,103	-1,167	-1,178	-1,721	-1,645	22	548	1,286	1,044	522
Cash from Investing Activity +	0	0	1	2	-16	2	1	-11	-14	-4	-213	64
Cash from Financing Activity +	205	647	1,105	1,174	1,203	1,715	1,639	51	-558	-892	-1,238	-619
Net Cash Flow	-57	-14	3	9	10	-5	-5	62	-24	390	-407	-34

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	63.00	66.00	62.00	77.00	98.00	115.00	103.00	180.00	266.00	206.00	117.00	132.00

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	16%	17%	16%	18%	19%	21%	14%	4%	8%	12%	13%	8%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
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	1.41%	1.78%	1.85%	2.33%	2.22%	2.04%	3.62%	3.28%	3.18%	2.64%	2.91%	2.46%
DIIs	6.34%	6.33%	6.34%	6.34%	6.34%	6.34%	6.34%	5.89%	5.89%	5.89%	5.89%	5.89%
Public	49.84%	49.48%	49.39%	48.92%	49.03%	49.21%	47.63%	48.40%	48.52%	49.04%	48.79%	49.24%
No. of Shareholders	62,458	61,492	60,636	57,320	59,762	59,478	57,443	58,599	62,410	66,668	67,589	67,790

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of GIC Housing Finance Ltd as of March 12, 2025 is: ₹120.40

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, GIC Housing Finance Ltd is Overvalued by 28.33% compared to the current share price 168.00

Intrinsic Value of GIC Housing Finance Ltd as of March 12, 2025 is: 133.76

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, GIC Housing Finance Ltd is Overvalued by 20.38% compared to the current share price 168.00

Last 5 Year EPS CAGR: 11.10%

*Investments are subject to market risks

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:
1. 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.
2. ROCE: 35.32% (Industry Average ROCE: 11.06%)
  - 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.
3. ROE%: 8.27% (Industry Average ROE: 13.49%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 5.06 (Industry average Stock P/E: 10.78)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

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. 1057.16 Cr. and Equity Capital is Rs. 53.88 Cr. for the Year ended 31/03/2024.

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. Paul Lobo	Managing Director & CEO
Mr. Rashmi Raman Singh	Non Executive Director
Mrs. Rajeshwari Singh Muni	Non Executive Director
Mr. B S Rahul	Non Executive Director
Mr. Hitesh Joshi	Non Executive Director
Mr. A K Saxena	Independent Director
Mrs. Rani Singh Nair	Independent Director
Mr. Vaijinath M Gavarshetty	Independent Director
Mr. Kishore Garimella	Independent Director
Mr. Sathia Jeeva Krishnan	Independent Director
Mr. N Damodharan	Independent Director
Mr. Sunil Kakar	Independent Director

FAQ

What is the latest intrinsic value of GIC Housing Finance Ltd?

The latest intrinsic value of GIC Housing Finance Ltd as on 11 March 2025 is ₹120.40, which is 28.33% lower than the current market price of 168.00, indicating the stock is overvalued by 28.33%. The intrinsic value of GIC Housing Finance Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹904 Cr. and recorded a high/low of ₹279/151 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹1,826 Cr and total liabilities of ₹10,615 Cr.

What is the Market Cap of GIC Housing Finance Ltd?

The Market Cap of GIC Housing Finance Ltd is 904 Cr..

What is the current Stock Price of GIC Housing Finance Ltd as on 11 March 2025?

The current stock price of GIC Housing Finance Ltd as on 11 March 2025 is ₹168.

What is the High / Low of GIC Housing Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of GIC Housing Finance Ltd stocks is ₹279/151.

What is the Stock P/E of GIC Housing Finance Ltd?

The Stock P/E of GIC Housing Finance Ltd is 5.06.

What is the Book Value of GIC Housing Finance Ltd?

The Book Value of GIC Housing Finance Ltd is 349.

What is the Dividend Yield of GIC Housing Finance Ltd?

The Dividend Yield of GIC Housing Finance Ltd is 2.68 %.

What is the ROCE of GIC Housing Finance Ltd?

The ROCE of GIC Housing Finance Ltd is 8.54 %.

What is the ROE of GIC Housing Finance Ltd?

The ROE of GIC Housing Finance Ltd is 8.30 %.

What is the Face Value of GIC Housing Finance Ltd?

The Face Value of GIC Housing Finance Ltd is 10.0.