GIC Housing Finance Ltd
GIC Housing Finance Limited, incorporated in 1989, grants housing loans to individuals and to persons/entities engaged in construction of houses/flats for residential purposes. [1]
- Market Cap ₹ 1,150 Cr.
- Current Price ₹ 214
- High / Low ₹ 292 / 165
- Stock P/E 7.58
- Book Value ₹ 340
- Dividend Yield 2.11 %
- ROCE 8.60 %
- ROE 8.58 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.64 times its book value
Cons
- Company has low interest coverage ratio.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance - Housing
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
Revenue | 1,152 | 1,123 | 1,057 |
Interest | 702 | 703 | 710 |
216 | 126 | 140 | |
Financing Profit | 234 | 294 | 207 |
Financing Margin % | 20% | 26% | 20% |
5 | 6 | 13 | |
Depreciation | 9 | 10 | 15 |
Profit before tax | 230 | 290 | 204 |
Tax % | 25% | 26% | 26% |
174 | 213 | 151 | |
EPS in Rs | 32.22 | 39.60 | 28.11 |
Dividend Payout % | 14% | 11% | 16% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | -6% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | -28% |
Stock Price CAGR | |
---|---|
10 Years: | 3% |
5 Years: | -4% |
3 Years: | 19% |
1 Year: | 28% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
Last Year: | 9% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
Equity Capital | 54 | 54 | 54 |
Reserves | 1,457 | 1,645 | 1,775 |
10,365 | 9,168 | 8,584 | |
53 | 53 | 57 | |
Total Liabilities | 11,929 | 10,920 | 10,471 |
21 | 52 | 54 | |
CWIP | 29 | 9 | 0 |
Investments | 14 | 229 | 168 |
11,865 | 10,630 | 10,248 | |
Total Assets | 11,929 | 10,920 | 10,471 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
1,286 | 1,043 | 522 | |
-3 | -213 | 64 | |
-892 | -1,238 | -619 | |
Net Cash Flow | 391 | -408 | -34 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|
ROE % | 13% | 9% |
Documents
Announcements
- Intimation Under Regulation 30 & 51 Of The SEBI (LODR) Regulations, 2015 17 May
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
15 May - Newspaper publication of Audited Financial Results (Standalone & Consolidated) for the year ended 31.03.2024.
- Corporate Action-Board approves Dividend 15 May
- Compliances-Reg.24(A)-Annual Secretarial Compliance 15 May
- Financial Highlights For The Year Ended March 31, 2024. 14 May
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Financial Year 2010
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Products & Services
The co’s product portfolio includes:
Home loans- Individual Housing Loans, Composite Loans, balance transfers, Repair and Renovation Loans, Home extension loans, and affordable home loans.
Non-Housing Loans- Loans against property, Commercial Loans. [1]