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

₹ 171 3.06%
14 Nov - 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 ₹ 921 Cr.
  • Current Price ₹ 171
  • High / Low ₹ 230 / 151
  • Stock P/E 6.11
  • Book Value ₹ 371
  • Dividend Yield 2.63 %
  • ROCE 8.66 %
  • ROE 8.68 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.46 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

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
279 281 281 268 268 261 260 274 264 269 272 265 272
Interest 176 178 178 183 179 176 172 174 177 179 174 173 173
30 16 28 42 47 41 10 53 37 31 30 110 35
Financing Profit 73 87 75 43 42 44 78 47 50 59 68 -18 64
Financing Margin % 26% 31% 27% 16% 16% 17% 30% 17% 19% 22% 25% -7% 24%
2 3 6 3 3 2 6 3 2 1 -9 0 0
Depreciation 2 2 3 4 4 4 4 4 4 4 4 3 3
Profit before tax 73 88 78 42 41 42 79 47 48 56 56 -20 61
Tax % 23% 26% 33% 24% 26% 16% 32% 17% 23% 12% 37% -137% 18%
56 65 52 32 30 36 54 39 37 50 35 7 50
EPS in Rs 10.46 12.15 9.72 5.91 5.61 6.62 9.97 7.24 6.78 9.23 6.54 1.38 9.29
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 1,078
Interest 702 703 711 703 698
216 126 140 151 206
Financing Profit 234 294 209 225 174
Financing Margin % 20% 26% 20% 21% 16%
5 6 10 -3 -8
Depreciation 9 10 15 15 13
Profit before tax 230 290 204 207 153
Tax % 25% 26% 26% 22%
174 213 151 160 142
EPS in Rs 32.22 39.60 28.11 29.79 26.44
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: -2%
TTM: -9%
Stock Price CAGR
10 Years: -2%
5 Years: 10%
3 Years: 4%
1 Year: -17%
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 Sep 2025
Equity Capital 54 54 54 54 54
Reserves 1,457 1,645 1,775 1,911 1,944
Borrowing 10,365 9,168 8,584 8,751 9,022
53 53 57 60 62
Total Liabilities 11,929 10,920 10,471 10,775 11,082
21 52 44 27 40
CWIP 29 9 10 11 0
Investments 14 229 168 254 287
11,865 10,630 10,248 10,483 10,755
Total Assets 11,929 10,920 10,471 10,775 11,082

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

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 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%
2.33% 2.22% 2.04% 3.62% 3.28% 3.18% 2.64% 2.91% 2.46% 2.18% 2.67% 2.16%
6.34% 6.34% 6.34% 6.34% 5.89% 5.89% 5.89% 5.89% 5.89% 5.89% 5.51% 5.51%
48.92% 49.03% 49.21% 47.63% 48.40% 48.52% 49.04% 48.79% 49.24% 49.52% 49.39% 49.92%
No. of Shareholders 57,32059,76259,47857,44358,59962,41066,66867,58967,79066,51765,37564,226

* 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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