GIC Housing Finance Ltd

₹ 151 -0.41%

15 May - close price

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 ₹ 815 Cr.
Current Price ₹ 151
High / Low ₹ 206 / 130
Stock P/E 5.28
Book Value ₹ 391
Dividend Yield 2.97 %
ROCE 7.71 %
ROE 7.59 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.39 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -2.56% over past five years.
Tax rate seems low
Company has a low return on equity of 8.36% over last 3 years.
Company might be capitalizing the interest cost
Dividend payout has been low at 10.4% 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 Financial Services

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	281	268	268	261	260	274	264	269	272	265	272	273	273
Interest	178	183	179	176	172	174	177	179	174	173	173	173	168
	28	42	47	41	10	53	37	32	30	110	35	42	39
Financing Profit	75	43	42	44	77	47	50	59	68	-18	64	58	65
Financing Margin %	27%	16%	16%	17%	30%	17%	19%	22%	25%	-7%	23%	21%	24%
	6	3	3	2	6	3	2	1	-9	0	0	0	1
Depreciation	3	4	4	4	4	4	4	4	4	3	3	3	3
Profit before tax	78	42	41	42	79	47	48	56	55	-20	61	55	63
Tax %	33%	24%	26%	16%	32%	17%	23%	12%	37%	-136%	18%	20%	15%
	52	32	30	36	54	39	36	50	35	7	50	44	54
EPS in Rs	9.71	5.91	5.60	6.61	9.95	7.23	6.77	9.22	6.52	1.36	9.28	8.10	9.95
Gross NPA %	4.68%	4.69%	4.59%	4.59%	3.88%	3.98%	3.78%	3.47%	3.03%		4.52%	4.24%	3.96%
Net NPA %	3.29%	3.25%	3.08%	3.01%	2.69%	2.56%	2.43%	2.22%	1.96%		1.99%	1.80%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	733	876	1,002	1,112	1,228	1,252	1,232	1,152	1,123	1,060	1,079	1,082
Interest	509	601	668	713	866	946	823	702	703	711	703	687
	67	84	106	124	114	191	277	216	126	140	151	226
Financing Profit	157	192	228	275	248	116	131	234	294	209	225	169
Financing Margin %	21%	22%	23%	25%	20%	9%	11%	20%	26%	20%	21%	16%
	0	0	0	0	0	3	8	5	6	10	-3	1
Depreciation	4	1	1	1	1	6	4	9	10	15	15	11
Profit before tax	154	191	227	274	247	112	135	230	290	204	206	159
Tax %	33%	35%	35%	25%	30%	59%	22%	25%	26%	26%	22%	3%
	103	124	148	206	172	46	106	174	213	151	160	154
EPS in Rs	19.12	23.12	27.43	38.19	31.90	8.47	19.60	32.23	39.59	28.07	29.74	28.69
Dividend Payout %	26%	22%	18%	14%	17%	24%	20%	14%	11%	16%	15%	0%

Compounded Sales Growth
10 Years:	2%
5 Years:	-3%
3 Years:	-1%
TTM:	0%

Compounded Profit Growth
10 Years:	2%
5 Years:	8%
3 Years:	-10%
TTM:	-9%

Stock Price CAGR
10 Years:	-5%
5 Years:	4%
3 Years:	-4%
1 Year:	-20%

Return on Equity
10 Years:	11%
5 Years:	10%
3 Years:	8%
Last Year:	8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	54	54	54	54	54	54	54	54	54	54	54	54
Reserves	606	678	784	1,064	1,200	1,209	1,304	1,457	1,645	1,775	1,911	2,052
Borrowing	5,794	7,001	8,237	9,984	11,659	11,768	11,226	10,365	9,168	8,584	8,751	9,119
	266	289	329	44	57	68	57	53	53	57	60	74
Total Liabilities	6,721	8,021	9,404	11,147	12,969	13,099	12,641	11,929	10,920	10,470	10,775	11,298
	3	2	2	2	3	19	16	21	52	44	27	85
CWIP	0	0	0	0	0	13	29	29	9	10	11	0
Investments	10	10	26	13	14	14	14	15	230	169	255	211
	6,708	8,009	9,376	11,132	12,953	13,053	12,581	11,864	10,629	10,248	10,482	11,002
Total Assets	6,721	8,021	9,404	11,147	12,969	13,099	12,641	11,929	10,920	10,470	10,775	11,298

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,103	-1,167	-1,178	-1,721	-1,645	22	548	1,286	1,044	522	-18	-320
	1	2	-16	2	1	-11	-14	-4	-213	64	-87	52
	1,105	1,174	1,203	1,715	1,639	51	-558	-892	-1,238	-619	122	255
Net Cash Flow	3	9	10	-5	-5	62	-24	390	-407	-34	18	-14
Free Cash Flow	-1,104	-1,167	-1,179	-1,722	-1,647	8	532	1,281	1,038	518	-20	-325
CFO/OP	-158%	-140%	-123%	-170%	-140%	5%	63%	145%	111%	61%	3%	-33%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	16%	18%	19%	21%	14%	4%	8%	12%	13%	9%	9%	8%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Disbursements
Rs. in Cr

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		xx	xx	xx					xx	xx	xx

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Gross NPA %
%

Total Loan Portfolio (AUM)
Rs. in Cr

Capital Adequacy Ratio
%

Net Interest Margin (NIM)
%

Yield on Loans/Advances
%

Number of Locations/Offices
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%
	2.04%	3.62%	3.28%	3.18%	2.64%	2.91%	2.46%	2.18%	2.67%	2.16%	2.08%	1.81%
	6.34%	6.34%	5.89%	5.89%	5.89%	5.89%	5.89%	5.89%	5.51%	5.51%	5.05%	4.59%
	49.21%	47.63%	48.40%	48.52%	49.04%	48.79%	49.24%	49.52%	49.39%	49.92%	50.46%	51.18%
No. of Shareholders	59,478	57,443	58,599	62,410	66,668	67,589	67,790	66,517	65,375	64,226	62,585	61,368

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	42.16%	42.16%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%
	2.93%	3.00%	7.57%	6.34%	0.14%	1.41%	2.22%	3.18%	2.18%	1.81%
	13.35%	12.15%	7.02%	7.00%	6.89%	6.34%	6.34%	5.89%	5.89%	4.59%
	41.57%	42.69%	43.00%	44.25%	50.56%	49.84%	49.03%	48.52%	49.52%	51.18%
No. of Shareholders	41,695	54,896	54,437	53,865	68,698	62,458	59,762	62,410	66,517	61,368

* 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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GIC Housing Finance Ltd

GIC Housing Finance Ltd

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Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

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Shareholding Pattern

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