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

₹ 186 -0.11%
27 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 ₹ 1,003 Cr.
  • Current Price ₹ 186
  • High / Low ₹ 279 / 151
  • Stock P/E 5.88
  • Book Value ₹ 365
  • Dividend Yield 2.42 %
  • ROCE 8.73 %
  • ROE 8.99 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.51 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.0% 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

Sector: Finance Industry: Finance - Housing

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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 31 30
Financing Profit 75 51 73 87 75 43 42 44 78 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 56
Tax % 33% 23% 23% 26% 33% 24% 26% 16% 32% 17% 23% 12% 37%
49 39 56 65 52 32 30 36 54 39 37 50 35
EPS in Rs 9.10 7.27 10.46 12.15 9.72 5.91 5.61 6.62 9.97 7.24 6.78 9.23 6.54
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,152 1,123 1,060 1,079
Interest 702 703 711 703
216 126 140 151
Financing Profit 234 294 209 225
Financing Margin % 20% 26% 20% 21%
5 6 10 -3
Depreciation 9 10 15 15
Profit before tax 230 290 204 207
Tax % 25% 26% 26% 22%
174 213 151 160
EPS in Rs 32.22 39.60 28.11 29.79
Dividend Payout % 14% 11% 16% 15%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: -2%
TTM: 2%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 0%
TTM: 16%
Stock Price CAGR
10 Years: -2%
5 Years: 24%
3 Years: 15%
1 Year: -15%
Return on Equity
10 Years: %
5 Years: %
3 Years: 10%
Last Year: 9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 54 54 54 54
Reserves 1,457 1,645 1,775 1,911
Borrowing 10,365 9,168 8,584 8,751
53 53 57 60
Total Liabilities 11,929 10,920 10,471 10,775
21 52 44 38
CWIP 29 9 10 0
Investments 14 229 168 254
11,865 10,630 10,248 10,483
Total Assets 11,929 10,920 10,471 10,775

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,286 1,043 522 -18
-3 -213 64 -87
-892 -1,238 -619 122
Net Cash Flow 391 -408 -34 18

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 13% 8% 9%

Shareholding Pattern

Numbers in percentages

2 Recently
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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