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

₹ 172 -0.36%
05 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 ₹ 927 Cr.
  • Current Price ₹ 172
  • High / Low ₹ 278 / 151
  • Stock P/E 6.76
  • Book Value ₹ 365
  • Dividend Yield 2.61 %
  • ROCE 8.66 %
  • ROE 8.68 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.47 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.90% 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
273.98 278.97 280.81 281.17 268.43 267.59 261.11 260.03 273.94 264.04 269.26 271.67 265.36
Interest 170.49 175.56 178.25 178.19 183.01 179.32 175.72 172.33 173.98 176.87 178.55 173.56 173.12
52.59 30.11 15.80 28.18 42.41 46.62 40.92 10.17 52.65 37.39 31.42 29.75 110.09
Financing Profit 50.90 73.30 86.76 74.80 43.01 41.65 44.47 77.53 47.31 49.78 59.29 68.36 -17.85
Financing Margin % 18.58% 26.28% 30.90% 26.60% 16.02% 15.56% 17.03% 29.82% 17.27% 18.85% 22.02% 25.16% -6.73%
2.37 1.92 3.48 6.23 2.62 2.60 1.79 5.51 3.25 1.66 0.96 -8.90 0.08
Depreciation 2.38 2.06 2.00 3.47 3.67 3.62 3.90 3.83 3.65 3.74 3.78 3.84 2.54
Profit before tax 50.89 73.16 88.24 77.56 41.96 40.63 42.36 79.21 46.91 47.70 56.47 55.62 -20.31
Tax % 23.03% 23.03% 25.84% 32.53% 24.12% 25.70% 15.84% 32.24% 16.88% 23.44% 11.97% 36.71% -136.53%
39.17 56.31 65.44 52.33 31.84 30.19 35.65 53.67 38.99 36.52 49.71 35.20 7.42
EPS in Rs 7.27 10.46 12.15 9.72 5.91 5.61 6.62 9.97 7.24 6.78 9.23 6.54 1.38
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
1,152 1,123 1,060 1,079 1,070
Interest 702 703 711 703 702
216 126 140 151 209
Financing Profit 234 294 209 225 160
Financing Margin % 20% 26% 20% 21% 15%
5 6 10 -3 -6
Depreciation 9 10 15 15 14
Profit before tax 230 290 204 207 139
Tax % 25% 26% 26% 22%
174 213 151 160 129
EPS in Rs 32.22 39.60 28.11 29.79 23.93
Dividend Payout % 14% 11% 16% 15%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: -2%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: -2%
TTM: -13%
Stock Price CAGR
10 Years: 0%
5 Years: 12%
3 Years: 6%
1 Year: -27%
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 27
CWIP 29 9 10 11
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

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 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%
1.85% 2.33% 2.22% 2.04% 3.62% 3.28% 3.18% 2.64% 2.91% 2.46% 2.18% 2.67%
6.34% 6.34% 6.34% 6.34% 6.34% 5.89% 5.89% 5.89% 5.89% 5.89% 5.89% 5.51%
49.39% 48.92% 49.03% 49.21% 47.63% 48.40% 48.52% 49.04% 48.79% 49.24% 49.52% 49.39%
No. of Shareholders 60,63657,32059,76259,47857,44358,59962,41066,66867,58967,79066,51765,375

* 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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