GIC Housing Finance Ltd
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]
- Market Cap ₹ 1,007 Cr.
- Current Price ₹ 187
- High / Low ₹ 278 / 151
- Stock P/E 5.91
- Book Value ₹ 365
- Dividend Yield 2.41 %
- ROCE 8.73 %
- ROE 8.98 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.51 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -2.93% over past five years.
- Company has a low return on equity of 10.1% over last 3 years.
- Dividend payout has been low at 14.2% of profits over last 3 years
* 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
Financial Services Financial Services Finance Housing Finance Company
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
625 | 733 | 876 | 1,002 | 1,112 | 1,228 | 1,252 | 1,232 | 1,152 | 1,123 | 1,060 | 1,079 | |
Interest | 419 | 509 | 601 | 668 | 713 | 866 | 946 | 823 | 702 | 703 | 711 | 703 |
70 | 67 | 84 | 106 | 124 | 114 | 191 | 277 | 216 | 126 | 140 | 151 | |
Financing Profit | 135 | 157 | 192 | 228 | 275 | 248 | 116 | 131 | 234 | 294 | 209 | 225 |
Financing Margin % | 22% | 21% | 22% | 23% | 25% | 20% | 9% | 11% | 20% | 26% | 20% | 21% |
0 | 0 | 0 | 0 | 0 | 0 | 3 | 8 | 5 | 6 | 10 | -3 | |
Depreciation | 2 | 4 | 1 | 1 | 1 | 1 | 6 | 4 | 9 | 10 | 15 | 15 |
Profit before tax | 133 | 154 | 191 | 227 | 274 | 247 | 112 | 135 | 230 | 290 | 204 | 206 |
Tax % | 27% | 33% | 35% | 35% | 25% | 30% | 59% | 22% | 25% | 26% | 26% | 22% |
98 | 103 | 124 | 148 | 206 | 172 | 46 | 106 | 174 | 213 | 151 | 160 | |
EPS in Rs | 18.11 | 19.12 | 23.12 | 27.43 | 38.19 | 31.90 | 8.47 | 19.60 | 32.23 | 39.59 | 28.07 | 29.74 |
Dividend Payout % | 33% | 26% | 22% | 18% | 14% | 17% | 24% | 20% | 14% | 11% | 16% | 15% |
Compounded Sales Growth | |
---|---|
10 Years: | 4% |
5 Years: | -3% |
3 Years: | -2% |
TTM: | 2% |
Compounded Profit Growth | |
---|---|
10 Years: | 5% |
5 Years: | 30% |
3 Years: | 0% |
TTM: | 13% |
Stock Price CAGR | |
---|---|
10 Years: | -1% |
5 Years: | 15% |
3 Years: | 13% |
1 Year: | -27% |
Return on Equity | |
---|---|
10 Years: | 12% |
5 Years: | 10% |
3 Years: | 10% |
Last Year: | 9% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 |
Reserves | 557 | 606 | 678 | 784 | 1,064 | 1,200 | 1,209 | 1,304 | 1,457 | 1,645 | 1,775 | 1,911 |
Borrowing | 4,652 | 5,794 | 7,001 | 8,237 | 9,984 | 11,659 | 11,768 | 11,226 | 10,365 | 9,168 | 8,584 | 8,751 |
256 | 266 | 289 | 329 | 44 | 57 | 68 | 57 | 53 | 53 | 57 | 60 | |
Total Liabilities | 5,518 | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 |
5 | 3 | 2 | 2 | 2 | 3 | 19 | 16 | 21 | 52 | 44 | 27 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 29 | 29 | 9 | 10 | 11 |
Investments | 10 | 10 | 10 | 26 | 13 | 14 | 14 | 14 | 15 | 230 | 169 | 255 |
5,503 | 6,708 | 8,009 | 9,376 | 11,132 | 12,953 | 13,053 | 12,581 | 11,864 | 10,629 | 10,248 | 10,482 | |
Total Assets | 5,518 | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-662 | -1,103 | -1,167 | -1,178 | -1,721 | -1,645 | 22 | 548 | 1,286 | 1,044 | 522 | -18 | |
0 | 1 | 2 | -16 | 2 | 1 | -11 | -14 | -4 | -213 | 64 | -87 | |
647 | 1,105 | 1,174 | 1,203 | 1,715 | 1,639 | 51 | -558 | -892 | -1,238 | -619 | 122 | |
Net Cash Flow | -14 | 3 | 9 | 10 | -5 | -5 | 62 | -24 | 390 | -407 | -34 | 18 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 17% | 16% | 18% | 19% | 21% | 14% | 4% | 8% | 12% | 13% | 9% | 9% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment
1d - CIC Housing Finance allotted Rs. 400 Cr NCDs at 7.49%-7.59% interest to institutional investors.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
22 Jul - Submission of Newspaper Clippings - Notice of 35th Annual General Meeting (Post Dispatch of AR).
-
Business Responsibility and Sustainability Reporting (BRSR)
21 Jul - GIC Housing Finance submits FY 2024-25 Business Responsibility & Sustainability Report as per SEBI regulations.
-
Notice Of 35Th AGM Scheduled To Be Held On August 19, 2025 Through VC/OAVM Mode.
21 Jul - Annual Report FY25 and AGM notice with dividend, director appointments, ₹1000 Cr related party and ₹2500 Cr NCD approvals.
- Reg. 34 (1) Annual Report. 21 Jul
Annual reports
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Financial Year 2025
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Financial Year 2024
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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
from nse
Business Overview:[1][2]
GICHFL is registered with the National Housing Bank as an NBFC. It is in housing finance business, financing purchase of plots, houses, flats, as well as for the construction, repair, renovation, and upgrade of residential properties, including houses, flats, etc.