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

₹ 221 -1.14%
03 May - close price
gichfindia.com BSE: 511676 NSE : GICHSGFIN
About

GIC Housing Finance Limited, incorporated in 1989, grants housing loans to individuals and to persons/entities engaged in construction of houses/flats for residential purposes. [1]

Key Points

Products & Services
The co’s product portfolio includes:
Home loans- Individual Housing Loans, Composite Loans, balance transfers, Repair and Renovation Loans, Home extension loans, and affordable home loans.
Non-Housing Loans- Loans against property, Commercial Loans. [1]

Website BSE NSE
  • Market Cap ₹ 1,188 Cr.
  • Current Price ₹ 221
  • High / Low ₹ 292 / 165
  • Stock P/E 7.92
  • Book Value ₹ 323
  • Dividend Yield 2.04 %
  • ROCE 8.69 %
  • ROE 13.1 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.68 times its book value

Cons

  • Company has low interest coverage ratio.
  • 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

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 272 298 292 288 274 279 281 281 268 268 261
Interest 184 179 172 166 170 176 178 178 183 179 176
88 61 20 48 53 30 16 28 42 47 41
Financing Profit 0 58 100 75 51 73 87 75 43 42 44
Financing Margin % 0% 19% 34% 26% 19% 26% 31% 27% 16% 16% 17%
2 2 1 2 2 2 3 6 3 3 2
Depreciation 1 1 3 3 2 2 2 3 4 4 4
Profit before tax 1 58 98 73 51 73 88 78 42 41 42
Tax % -231% 22% 22% 33% 23% 23% 26% 33% 24% 26% 16%
3 45 76 49 39 56 65 52 32 30 36
EPS in Rs 0.52 8.40 14.21 9.10 7.27 10.46 12.15 9.72 5.91 5.61 6.62
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: 13 May 2024

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 TTM
Revenue 1,152 1,123 1,078
Interest 702 703 716
216 126 158
Financing Profit 234 294 204
Financing Margin % 20% 26% 19%
5 6 13
Depreciation 9 10 15
Profit before tax 230 290 203
Tax % 25% 26%
174 213 150
EPS in Rs 32.22 39.60 27.86
Dividend Payout % 14% 11%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -4%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -29%
Stock Price CAGR
10 Years: 6%
5 Years: -3%
3 Years: 24%
1 Year: 27%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023 Sep 2023
Equity Capital 54 54 54
Reserves 1,457 1,645 1,684
10,365 9,168 8,745
53 53 63
Total Liabilities 11,929 10,920 10,546
21 52 55
CWIP 29 9 0
Investments 14 229 205
11,865 10,630 10,286
Total Assets 11,929 10,920 10,546

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023
1,286 1,043
-3 -213
-892 -1,238
Net Cash Flow 391 -408

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Mar 2023
ROE % 13%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41% 42.41%
0.15% 0.36% 1.35% 1.41% 1.78% 1.85% 2.33% 2.22% 2.04% 3.62% 3.28% 3.18%
6.90% 0.00% 6.34% 6.34% 6.33% 6.34% 6.34% 6.34% 6.34% 6.34% 5.89% 5.89%
50.54% 57.23% 49.90% 49.84% 49.48% 49.39% 48.92% 49.03% 49.21% 47.63% 48.40% 48.52%
No. of Shareholders 62,98968,81863,62462,45861,49260,63657,32059,76259,47857,44358,59962,410

* 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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