GIC Housing Finance Ltd

₹ 150 0.44%

05 Jun - 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 ₹ 806 Cr.
Current Price ₹ 150
High / Low ₹ 206 / 130
Stock P/E 5.21
Book Value ₹ 391
Dividend Yield 3.01 %
ROCE 7.71 %
ROE 7.61 %
Face Value ₹ 10.0

Add ratio to table

Edit ratios

Pros

Stock is trading at 0.38 times its book value

Cons

Company has low interest coverage ratio.
Tax rate seems low
Company has a low return on equity of 8.18% over last 3 years.
Company might be capitalizing the interest cost
Dividend payout has been low at 10.4% of profits 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 Financial Services

Edit Columns

Loading peers table ...

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	281	268	268	261	260	274	264	269	272	265	272	273	273
Interest	178	183	179	176	172	174	177	179	174	173	173	173	168
	28	42	47	41	10	53	37	31	30	110	35	42	39
Financing Profit	75	43	42	44	78	47	50	59	68	-18	64	58	65
Financing Margin %	27%	16%	16%	17%	30%	17%	19%	22%	25%	-7%	24%	21%	24%
	6	3	3	2	6	3	2	1	-9	0	0	0	1
Depreciation	3	4	4	4	4	4	4	4	4	3	3	3	3
Profit before tax	78	42	41	42	79	47	48	56	56	-20	61	55	63
Tax %	33%	24%	26%	16%	32%	17%	23%	12%	37%	-137%	18%	20%	15%
	52	32	30	36	54	39	37	50	35	7	50	44	54
EPS in Rs	9.72	5.91	5.61	6.62	9.97	7.24	6.78	9.23	6.54	1.38	9.29	8.11	9.97
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
	1,152	1,123	1,060	1,079	1,082
Interest	702	703	711	703	687
	216	126	140	151	226
Financing Profit	234	294	209	225	169
Financing Margin %	20%	26%	20%	21%	16%
	5	6	10	-3	1
Depreciation	9	10	15	15	11
Profit before tax	230	290	204	207	159
Tax %	25%	26%	26%	22%	3%
	174	213	151	160	155
EPS in Rs	32.22	39.60	28.11	29.79	28.75
Dividend Payout %	14%	11%	16%	15%	0%

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	-1%
TTM:	0%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	-10%
TTM:	-6%

Stock Price CAGR
10 Years:	-6%
5 Years:	0%
3 Years:	-5%
1 Year:	-23%

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
	21	52	44	27	85
CWIP	29	9	10	11	0
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

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Disbursements
Rs. in Cr ・Standalone data

x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
		xx	xx	xx					xx	xx	xx

Please log in to see hidden values.

Gross NPA %
% ・Standalone data

Total Loan Portfolio (AUM)
Rs. in Cr ・Standalone data

Capital Adequacy Ratio
% ・Standalone data

Net Interest Margin (NIM)
% ・Standalone data

Yield on Loans/Advances
% ・Standalone data

Number of Locations/Offices
Count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 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%
	2.04%	3.62%	3.28%	3.18%	2.64%	2.91%	2.46%	2.18%	2.67%	2.16%	2.08%	1.81%
	6.34%	6.34%	5.89%	5.89%	5.89%	5.89%	5.89%	5.89%	5.51%	5.51%	5.05%	4.59%
	49.21%	47.63%	48.40%	48.52%	49.04%	48.79%	49.24%	49.52%	49.39%	49.92%	50.46%	51.18%
No. of Shareholders	59,478	57,443	58,599	62,410	66,668	67,589	67,790	66,517	65,375	64,226	62,585	61,368

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

* 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.

Click on the line-items to see the names of individual entities.

GIC Housing Finance Ltd

GIC Housing Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports

Credit ratings

Concalls