GIC Housing Finance Ltd
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]
- Market Cap ₹ 932 Cr.
- Current Price ₹ 173
- High / Low ₹ 230 / 151
- Stock P/E 6.81
- Book Value ₹ 365
- Dividend Yield 2.60 %
- ROCE 8.73 %
- ROE 8.98 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.47 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 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
625 | 733 | 876 | 1,002 | 1,112 | 1,228 | 1,252 | 1,232 | 1,152 | 1,123 | 1,060 | 1,079 | 1,070 | |
Interest | 419 | 509 | 601 | 668 | 713 | 866 | 946 | 823 | 702 | 703 | 711 | 703 | 702 |
70 | 67 | 84 | 106 | 124 | 114 | 191 | 277 | 216 | 126 | 140 | 151 | 209 | |
Financing Profit | 135 | 157 | 192 | 228 | 275 | 248 | 116 | 131 | 234 | 294 | 209 | 225 | 159 |
Financing Margin % | 22% | 21% | 22% | 23% | 25% | 20% | 9% | 11% | 20% | 26% | 20% | 21% | 15% |
0 | 0 | 0 | 0 | 0 | 0 | 3 | 8 | 5 | 6 | 10 | -3 | -6 | |
Depreciation | 2 | 4 | 1 | 1 | 1 | 1 | 6 | 4 | 9 | 10 | 15 | 15 | 14 |
Profit before tax | 133 | 154 | 191 | 227 | 274 | 247 | 112 | 135 | 230 | 290 | 204 | 206 | 139 |
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 | 129 | |
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 | 23.87 |
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: | 1% |
Compounded Profit Growth | |
---|---|
10 Years: | 5% |
5 Years: | 30% |
3 Years: | 0% |
TTM: | -14% |
Stock Price CAGR | |
---|---|
10 Years: | -2% |
5 Years: | 10% |
3 Years: | 10% |
1 Year: | -23% |
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
- Announcement under Regulation 30 (LODR)-Newspaper Publication 1 Oct
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Announcement under Regulation 30 (LODR)-Change in Directorate
30 Sep - Shri Ramaswamy Narayanan resigned as Chairman effective Sep 30, 2025, due to superannuation
-
Shareholder Meeting / Postal Ballot-Notice of Postal Ballot
30 Sep - Postal ballot to appoint Dinesh Waghela as independent director, term Sep 23, 2025–Sep 22, 2030; e-voting Oct 1–30.
- Closure of Trading Window 25 Sep
-
Announcement under Regulation 30 (LODR)-Change in Directorate
22 Sep - A.K. Saxena ceased as Independent Director effective Sept 22, 2025 after completing second term (Sept 23, 2022–Sept 22, 2025).
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
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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.