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GIC Housing Finance Limited GICHSGFIN NSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.gichfindia.com
Company Profile ↓
₹149.95
-20.62% 1Y
Mkt Cap₹807.50 Cr
P/E5.22
P/B0.39
Div. Yield2.98%
52W High₹194.52
52W Low₹127.77
Book Value₹391.15
EPS (TTM)₹28.75

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 5.2, below the sector median of 19.8.

Healthy Margins

Operating margin of 19.4% supports profitability.

Dividend Income

Offers a dividend yield of 2.98%.

Recent Developments

  • Mar 2026 Revenue of ₹1,052.19 Cr (+1.4% YoY); net profit ₹154.82 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +1.4%, earnings -3.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR -1.0%, profit CAGR -10.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-1.02%
1 Year:1.44%

Compounded Profit Growth

5 Years:-10.12%
1 Year:-3.49%

Stock Price Performance

1 Year:-20.62%
6 Months:-10.20%
3 Months:+1.53%
1 Month:-2.82%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 33% of range
₹127.77 ₹194.52
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)42.43 · Neutral
Price Performance
1M-2.82%
3M+1.53%
6M-10.20%
1Y-20.62%
Valuation vs Sector

P/E of 5.22 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 2.98%.

CONS

  • Revenue declined at -1.0% CAGR over 5 years.
  • Earnings shrank at -10.1% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
5.22
Industry PE
19.81
Forward P/E
3.75
PEG Ratio
-
Book Value
₹391.15
Price to Book
0.39
P/S
2.61
EV/EBITDA
57.14
Dividend Yield
2.98%

Growth (CAGR)

Revenue 5Y
-1.02%
Profit 5Y
-10.12%
Revenue (YoY)
1.44%
Earnings (YoY)
-3.49%

Profitability & Returns

ROCE
2.09%
ROE
7.35%
ROA
1.37%
Profit Margin
14.71%
Op Margin
19.41%
Gross Margin
28.45%
EPS (Latest Qtr)
₹9.97
EPS (TTM)
₹28.75

Balance Sheet & Liquidity

Debt/Equity
4.33
Quick Ratio
3.26
Current Ratio
0.22
Debt
₹9,118.76 Cr
Total Assets
₹11,298.98 Cr
Current Assets
₹782.39 Cr
Working Capital
₹-2,743.88 Cr

Ownership

Promoter Holding
6.88%
Chg in Prom Hold
-
FII / Inst Holding
48.18%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
₹807.50 Cr
Total Revenue (TTM)
₹1,052.19 Cr
EBITDA
₹173.19 Cr
Free Cash Flow
₹-325.40 Cr
Operating Cash Flow
₹-320.10 Cr
Shares Outstanding
₹5.39 Cr
Gross Margin
28.45%
Payout Ratio
15.65%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GICHSGFIN GIC Housing Finance Limited NSEFINANCIAL 149.95 5.22 ₹807.50 Cr 2.98% 2.09% 7.35% -1.02% -10.12%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 281.00 Cr268.00 Cr268.00 Cr261.00 Cr260.00 Cr274.00 Cr264.00 Cr269.00 Cr268.33 Cr263.38 Cr266.17 Cr268.46 Cr270.68 Cr
Cost of Revenue --------195.52 Cr192.63 Cr194.88 Cr196.38 Cr193.45 Cr
Gross Profit --------72.81 Cr70.75 Cr71.29 Cr72.08 Cr77.23 Cr
Operating Expenses 28.00 Cr42.00 Cr47.00 Cr41.00 Cr10.00 Cr53.00 Cr37.00 Cr31.00 Cr15.55 Cr12.98 Cr11.93 Cr19.66 Cr18.95 Cr
Operating Income --------57.26 Cr57.77 Cr59.36 Cr52.42 Cr58.28 Cr
EBITDA --------61.10 Cr60.31 Cr62.17 Cr55.26 Cr61.07 Cr
Interest Expense 178.00 Cr183.00 Cr179.00 Cr176.00 Cr172.00 Cr174.00 Cr177.00 Cr179.00 Cr-----
Pretax Income 78.00 Cr42.00 Cr41.00 Cr42.00 Cr79.00 Cr47.00 Cr48.00 Cr56.00 Cr55.62 Cr-20.31 Cr61.26 Cr54.86 Cr63.40 Cr
Tax Provision 25.74 Cr10.08 Cr10.66 Cr6.72 Cr25.28 Cr7.99 Cr11.04 Cr6.72 Cr20.42 Cr-27.73 Cr11.23 Cr11.17 Cr9.72 Cr
Net Income 52.00 Cr32.00 Cr30.00 Cr36.00 Cr54.00 Cr39.00 Cr37.00 Cr50.00 Cr35.20 Cr7.42 Cr50.03 Cr43.69 Cr53.68 Cr
Diluted EPS 9.725.915.616.629.977.246.789.236.541.389.298.119.97

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,085.17 Cr1,031.35 Cr1,037.26 Cr1,052.19 Cr
Cost of Revenue -745.10 Cr757.38 Cr756.15 Cr752.80 Cr
Gross Profit -340.07 Cr273.97 Cr281.11 Cr299.39 Cr
Operating Expenses -71.06 Cr82.63 Cr91.52 Cr95.15 Cr
Operating Income -269.01 Cr191.34 Cr189.59 Cr204.24 Cr
EBITDA -301.32 Cr220.83 Cr223.39 Cr173.19 Cr
Interest Expense -1.53 Cr1.65 Cr1.68 Cr3.00 Cr
Pretax Income -289.85 Cr204.16 Cr206.70 Cr159.21 Cr
Tax Provision -76.60 Cr52.81 Cr46.28 Cr4.39 Cr
Net Income -213.25 Cr151.35 Cr160.42 Cr154.82 Cr
Diluted EPS -39.6028.1129.7928.75

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -10,920.17 Cr10,470.56 Cr10,775.38 Cr11,298.98 Cr
Current Assets -887.75 Cr780.34 Cr939.14 Cr782.39 Cr
Cash & Equivalents -69.70 Cr35.86 Cr53.76 Cr40.06 Cr
Inventory -----
Receivables -26.00 L38.00 L23.00 L54.00 L
Total Liabilities -9,220.87 Cr8,641.73 Cr8,810.53 Cr9,192.58 Cr
Current Liabilities -3,547.97 Cr3,075.40 Cr3,152.00 Cr3,526.27 Cr
Long Term Debt -5,645.11 Cr5,543.15 Cr5,627.09 Cr5,587.54 Cr
Total Debt -9,167.94 Cr8,584.40 Cr8,750.59 Cr9,118.76 Cr
Total Equity -1,699.30 Cr1,828.83 Cr1,964.85 Cr2,106.40 Cr
Shares Outstanding -5.39 Cr5.39 Cr5.39 Cr5.39 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,043.15 Cr522.05 Cr-17.53 Cr-320.10 Cr
Investing Cash Flow --212.85 Cr63.50 Cr-87.02 Cr51.74 Cr
Financing Cash Flow --1,238.36 Cr-619.39 Cr122.45 Cr254.66 Cr
Capital Expenditure --6.03 Cr-4.00 Cr-2.65 Cr-5.30 Cr
Free Cash Flow -1,037.12 Cr518.05 Cr-20.18 Cr-325.40 Cr
Net Change in Cash --408.06 Cr-33.84 Cr17.90 Cr-13.70 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -31.3%26.6%27.1%28.5%
Operating Margin % -24.8%18.6%18.3%19.4%
Net Margin % -19.7%14.7%15.5%14.7%
ROE % -12.5%8.3%8.2%7.3%
ROCE % -3.6%2.6%2.5%2.6%

Shareholding Pattern

Insiders
6.88%
Institutions
48.18%
Public Float
51.74%

Analyst View

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Latest News

Recent headlines for GICHSGFIN

Google News Sat, 03 Jan 2026

GIC Housing Finance Ltd. Share Price Today - GIC Housing Finance Ltd. Stock Price Live NSE/BSE - CNBC TV18

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Google News Fri, 15 May 2026

GIC Housing Finance Q4 Profit Rises 52% to ₹53.5 Crore Amid Flat Revenue Growth - Sahi

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Google News Sun, 23 Aug 2020

GIC Housing Finance Limited: Shareholders Board Members Managers and Company Profile | INE289B01019 - marketscreener.com

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Google News Wed, 11 Aug 2021

UGROCAP Stock Price and Chart — NSE:UGROCAP - TradingView

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Google News ue, 14 Jul 2026

GIC Housing Finance Appoints Veteran Banker As Chief Compliance Officer - TipRanks

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Google News ue, 27 Jan 2026

GIC Housing Finance Share Price Target 2026, 2027, 2030, 2040, 2050 - shareprice-target.com

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GICHSGFIN — Frequently Asked Questions

What is the current share price of GIC Housing Finance Limited (GICHSGFIN)?

As of 2026-07-15 09:52 IST, GIC Housing Finance Limited (GICHSGFIN) trades at ₹149.95 on NSE. Its 52-week range is ₹127.77 to ₹194.52.

What is the market capitalisation of GICHSGFIN?

GIC Housing Finance Limited (GICHSGFIN) has a market capitalisation of ₹807.50 Cr on NSE.

What is the P/E ratio of GICHSGFIN?

GICHSGFIN trades at a trailing price-to-earnings (P/E) ratio of 5.22. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.39.

Does GICHSGFIN pay a dividend?

GIC Housing Finance Limited (GICHSGFIN) currently offers a dividend yield of 2.98%.

What is the return on equity (ROE) of GICHSGFIN?

GICHSGFIN has a return on equity (ROE) of 7.35%. Its return on capital employed (ROCE) is 2.09%.

Is GICHSGFIN a good stock to buy?

This page provides a data-driven analysis of GIC Housing Finance Limited (GICHSGFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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