GIC Housing Finance Ltd

GIC Housing Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

GIC Housing Finance Ltd

₹ 196 -0.33%
01 Jul 10:46 a.m.
gichfindia.com BSE: 511676 NSE: GICHSGFIN
About

Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]

Key Points

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.

Website BSE NSE
  • Market Cap ₹ 1,053 Cr.
  • Current Price ₹ 196
  • High / Low ₹ 279 / 151
  • Stock P/E 6.17
  • Book Value ₹ 365
  • Dividend Yield 2.31 %
  • ROCE 8.73 %
  • ROE 8.98 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.54 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.94% over past five years.
  • Company has a low return on equity of 10.0% 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

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
288 274 279 281 281 268 268 261 260 274 264 269 272
Interest 166 170 176 178 178 183 179 176 172 174 177 179 174
48 53 30 16 28 42 47 41 10 53 37 32 30
Financing Profit 75 51 73 87 75 43 42 44 77 47 50 59 68
Financing Margin % 26% 19% 26% 31% 27% 16% 16% 17% 30% 17% 19% 22% 25%
2 2 2 3 6 3 3 2 6 3 2 1 -9
Depreciation 3 2 2 2 3 4 4 4 4 4 4 4 4
Profit before tax 73 51 73 88 78 42 41 42 79 47 48 56 55
Tax % 33% 23% 23% 26% 33% 24% 26% 16% 32% 17% 23% 12% 37%
49 39 56 65 52 32 30 36 54 39 36 50 35
EPS in Rs 9.10 7.28 10.46 12.15 9.71 5.91 5.60 6.61 9.95 7.23 6.77 9.22 6.52
Gross NPA % 8.60% 8.27% 7.52% 6.89% 4.68% 4.69% 4.59% 4.59% 3.88% 3.98% 3.78% 3.47% 3.03%
Net NPA % 5.59% 5.11% 4.45% 3.94% 3.29% 3.25% 3.08% 3.01% 2.69% 2.56% 2.43% 2.22% 1.96%
Raw PDF

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 135 157 192 228 275 248 116 131 234 294 209 224
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: 16%
Stock Price CAGR
10 Years: -1%
5 Years: 15%
3 Years: 19%
1 Year: -19%
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 38
CWIP 0 0 0 0 0 0 13 29 29 9 10 0
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% 8% 9%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41%
1.78% 1.85% 2.33% 2.22% 2.04% 3.62% 3.28% 3.18% 2.64% 2.91% 2.46% 2.18%
6.33% 6.34% 6.34% 6.34% 6.34% 6.34% 5.89% 5.89% 5.89% 5.89% 5.89% 5.89%
49.48% 49.39% 48.92% 49.03% 49.21% 47.63% 48.40% 48.52% 49.04% 48.79% 49.24% 49.52%
No. of Shareholders 61,49260,63657,32059,76259,47857,44358,59962,41066,66867,58967,79066,517

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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