GIC Housing Finance Limited GICHSGFIN NSEFINANCIAL

Financial Services · Mortgage Finance · India

https://www.gichfindia.com

GIC Housing Finance Limited provides housing finance services in India. The company grants housing loans to individuals, cooperative societies, association of persons, companies, and corporations for purchase of plots, houses, flats, apartments and construction, repair, renovation, upgradation of houses, and flats or apartments for residential purpose. It also provides home loans comprising individual housing, composite, repair and renovation, and home extension loans, as well as balance transfer services; and non-housing loans, such as loan against housing property and commercial loans. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

Market & Price

Market Cap

₹802.43 Cr

Current Price

₹149.01

High / Low (52W)

₹199.91 / ₹131.31

Beta

0.62

Valuation

Stock P/E

5.18

Industry PE

19.12

Forward P/E

3.73

PEG Ratio

Book Value

₹391.22

Price to Book

0.38

P/S

2.56

EV/EBITDA

Dividend Yield

3.02%

Profitability & Returns

ROCE

2.02%

ROE

7.61%

ROA

1.40%

Profit Margin

49.41%

Op Margin

58.45%

EPS (Latest Qtr)

₹9.97

EPS (TTM)

₹28.74

Balance Sheet & Liquidity

Debt/Equity

4.33

Quick Ratio

5.48

Current Ratio

5.48

Debt

₹9,118.76 Cr

Total Assets

₹11,298.98 Cr

Current Assets

₹10,876.51 Cr

Working Capital

₹10,859.49 Cr

Ownership

Promoter Holding

6.88%

Chg in Prom Hold

FII / Inst Holding

48.22%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹9,875.87 Cr

Total Revenue (TTM)

₹313.33 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-320.10 Cr

Shares Outstanding

₹5.39 Cr

Gross Margin

100.00%

Payout Ratio

15.65%

Growth (CAGR)

Revenue 5Y

-0.51%

Profit 5Y

-10.12%

Revenue (YoY)

4.30%

Earnings (YoY)

52.40%

PROS

Excellent profit margin of 49.4%.
Attractive dividend yield of 3.02%.

CONS

Revenue declined at -0.5% CAGR over 5 years.
Earnings shrank at -10.1% CAGR over 5 years.
Trading 25.5% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	GICHSGFIN GIC Housing Finance Limited NSEFINANCIAL	149.01	5.18	₹802.43 Cr	3.02%	2.02%	7.61%	-0.51%	-10.12%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	266.52 Cr	268.33 Cr	263.38 Cr	266.17 Cr	268.46 Cr	270.68 Cr
Cost of Revenue	-	196.88 Cr	195.52 Cr	192.63 Cr	194.88 Cr	196.38 Cr	193.45 Cr
Gross Profit	-	69.64 Cr	72.81 Cr	70.75 Cr	71.29 Cr	72.08 Cr	77.23 Cr
Operating Expenses	-	15.54 Cr	15.55 Cr	12.98 Cr	11.93 Cr	19.66 Cr	18.95 Cr
Operating Income	-	54.10 Cr	57.26 Cr	57.77 Cr	59.36 Cr	52.42 Cr	58.28 Cr
EBITDA	-	57.88 Cr	61.10 Cr	60.31 Cr	62.17 Cr	55.26 Cr	61.07 Cr
Interest Expense	-	-	-	-	-	-	-
Pretax Income	-	56.47 Cr	55.62 Cr	-20.31 Cr	61.26 Cr	54.86 Cr	63.40 Cr
Tax Provision	-	6.76 Cr	20.42 Cr	-27.73 Cr	11.23 Cr	11.17 Cr	9.72 Cr
Net Income	-	49.71 Cr	35.20 Cr	7.42 Cr	50.03 Cr	43.69 Cr	53.68 Cr
Diluted EPS	6.78	9.23	6.54	1.38	9.29	8.11	9.97

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	1,085.17 Cr	1,031.35 Cr	1,054.75 Cr	1,068.69 Cr
Cost of Revenue	-	745.10 Cr	757.38 Cr	777.22 Cr	777.34 Cr
Gross Profit	-	340.07 Cr	273.97 Cr	277.53 Cr	291.35 Cr
Operating Expenses	-	71.06 Cr	82.63 Cr	51.12 Cr	63.52 Cr
Operating Income	-	269.01 Cr	191.34 Cr	226.41 Cr	227.83 Cr
EBITDA	-	301.32 Cr	220.83 Cr	241.42 Cr	238.81 Cr
Interest Expense	1.35 Cr	1.53 Cr	1.65 Cr	1.68 Cr	-
Pretax Income	-	289.85 Cr	204.16 Cr	206.70 Cr	159.21 Cr
Tax Provision	-	76.60 Cr	52.81 Cr	46.28 Cr	4.39 Cr
Net Income	-	213.25 Cr	151.35 Cr	160.42 Cr	154.82 Cr
Diluted EPS	-	39.60	28.11	29.79	28.75

Compounded Sales Growth

5 Years:	-0.51%
1 Year:	4.30%

Compounded Profit Growth

5 Years:	-10.12%
1 Year:	52.40%

Stock Price Performance

1 Year:	-19.41%
6 Months:	-11.86%
3 Months:	-5.71%
1 Month:	-2.74%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	10,920.17 Cr	10,470.56 Cr	10,775.38 Cr	11,298.98 Cr
Current Assets	-	887.75 Cr	780.34 Cr	939.14 Cr	10,876.51 Cr
Cash & Equivalents	-	69.70 Cr	35.86 Cr	53.76 Cr	40.06 Cr
Inventory	-	-	-	-	-
Receivables	-	26.00 L	38.00 L	23.00 L	54.00 L
Total Liabilities	-	9,220.87 Cr	8,641.73 Cr	8,810.54 Cr	9,192.58 Cr
Current Liabilities	-	3,547.97 Cr	3,075.40 Cr	3,152.00 Cr	17.02 Cr
Long Term Debt	-	5,645.11 Cr	5,543.15 Cr	5,627.09 Cr	9,050.48 Cr
Total Debt	-	9,167.94 Cr	8,584.40 Cr	8,750.59 Cr	9,118.76 Cr
Total Equity	-	1,699.30 Cr	1,828.83 Cr	1,964.85 Cr	2,106.40 Cr
Shares Outstanding	-	5.39 Cr	5.39 Cr	5.39 Cr	5.39 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	1,043.15 Cr	522.05 Cr	-17.53 Cr	-320.10 Cr
Investing Cash Flow	-	-212.85 Cr	63.50 Cr	-87.02 Cr	51.74 Cr
Financing Cash Flow	-	-1,238.36 Cr	-619.39 Cr	122.45 Cr	254.66 Cr
Capital Expenditure	-	-6.03 Cr	-4.00 Cr	-2.65 Cr	-5.30 Cr
Free Cash Flow	-	1,037.12 Cr	518.05 Cr	-20.18 Cr	-325.40 Cr
Net Change in Cash	-	-408.06 Cr	-33.84 Cr	17.90 Cr	-13.70 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	31.3%	26.6%	26.3%	27.3%
Operating Margin %	-	24.8%	18.6%	21.5%	21.3%
Net Margin %	-	19.7%	14.7%	15.2%	14.5%
ROE %	-	12.5%	8.3%	8.2%	7.3%
ROCE %	-	3.6%	2.6%	3.0%	2.0%

Shareholding Pattern

Insiders

6.88%

Institutions

48.22%

Public Float

51.78%

Analyst View

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GICHSGFIN · Financial Services