GIC Housing Finance Ltd

₹ 140 -1.13%

04 Sep - 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 ₹ 756 Cr.
Current Price ₹ 140
High / Low ₹ 184 / 130
Stock P/E 4.80
Book Value ₹ 391
Dividend Yield 3.20 %
ROCE 7.72 %
ROE 7.61 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.36 times its book value
Stock is providing a good dividend yield of 3.20%.

Cons

Company has low interest coverage ratio.
Company has a low return on equity of 8.18% over last 3 years.
Company might be capitalizing the interest cost

* 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

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	268	268	261	260	274	264	269	272	265	272	273	273	267
Interest	183	179	176	172	174	177	179	174	173	173	173	168	173
	42	47	41	10	53	37	31	30	110	35	42	39	73
Financing Profit	43	42	44	78	47	50	59	68	-18	64	58	65	21
Financing Margin %	16%	16%	17%	30%	17%	19%	22%	25%	-7%	24%	21%	24%	8%
	3	3	2	6	3	2	1	-9	0	0	0	1	1
Depreciation	4	4	4	4	4	4	4	4	3	3	3	3	4
Profit before tax	42	41	42	79	47	48	56	56	-20	61	55	63	18
Tax %	24%	26%	16%	32%	17%	23%	12%	37%	-137%	18%	20%	15%	43%
	32	30	36	54	39	37	50	35	7	50	44	54	10
EPS in Rs	5.91	5.61	6.62	9.97	7.24	6.78	9.23	6.54	1.38	9.29	8.11	9.97	1.87
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1,152	1,123	1,060	1,079	1,083	1,084
Interest	702	703	711	703	687	687
	216	126	140	151	226	189
Financing Profit	234	294	209	225	169	208
Financing Margin %	20%	26%	20%	21%	16%	19%
	5	6	10	-3	1	2
Depreciation	9	10	15	15	11	12
Profit before tax	230	290	204	207	159	197
Tax %	25%	26%	26%	22%	3%
	174	213	151	160	155	157
EPS in Rs	32.22	39.60	28.11	29.79	28.75	29.24
Dividend Payout %	14%	11%	16%	15%	16%

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

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	-10%
TTM:	15%

Stock Price CAGR
10 Years:	-8%
5 Years:	-2%
3 Years:	-9%
1 Year:	-18%

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

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	54	54	54	54	54
Reserves	1,457	1,645	1,775	1,911	2,053
Borrowing	10,365	9,168	8,584	8,751	9,119
	53	53	57	60	74
Total Liabilities	11,929	10,920	10,471	10,775	11,299
	20	52	44	27	69
CWIP	29	9	10	11	16
Investments	14	229	168	254	210
	11,865	10,630	10,248	10,483	11,004
Total Assets	11,929	10,920	10,471	10,775	11,299

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	1,286	1,043	522	-18	-320
	-3	-213	64	-87	52
	-892	-1,238	-619	122	255
Net Cash Flow	391	-408	-34	18	-14
Free Cash Flow	1,281	1,037	518	-20	-325
CFO/OP	145%	111%	61%	3%	-33%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	11%	13%	8%	9%	8%

Insights

In beta

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Loan Approvals (Sanctions)
INR Crore ・Standalone data

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	xx	xx							xx	xx	xx
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Loan Disbursements
INR Crore ・Standalone data

Loan Portfolio / AUM (Gross)
INR Crore ・Standalone data

Number of Branch / Satellite Offices
Count ・Standalone data

Capital Adequacy Ratio (CRAR)
% ・Standalone data

Gross NPA Ratio
% ・Standalone data

Salaried Customers Share of Loan Portfolio
% ・Standalone data

Average Ticket Size
INR Lakh ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 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%
	3.62%	3.28%	3.18%	2.64%	2.91%	2.46%	2.18%	2.67%	2.16%	2.08%	1.81%	1.40%
	6.34%	5.89%	5.89%	5.89%	5.89%	5.89%	5.89%	5.51%	5.51%	5.05%	4.59%	2.53%
	47.63%	48.40%	48.52%	49.04%	48.79%	49.24%	49.52%	49.39%	49.92%	50.46%	51.18%	53.65%
No. of Shareholders	57,443	58,599	62,410	66,668	67,589	67,790	66,517	65,375	64,226	62,585	61,368	61,754

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	42.16%	42.16%	42.41%	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%	1.40%
	13.35%	12.15%	7.02%	7.00%	6.89%	6.34%	6.34%	5.89%	5.89%	4.59%	2.53%
	41.57%	42.69%	43.00%	44.25%	50.56%	49.84%	49.03%	48.52%	49.52%	51.18%	53.65%
No. of Shareholders	41,695	54,896	54,437	53,865	68,698	62,458	59,762	62,410	66,517	61,368	61,754

* 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

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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Annual reports

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