GIC Housing Finance Limited
NSE: GICHSGFINHousing Finance Company
Share price
₹131.53
+0.18% close of 9 Oct 2026
Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 5 Oct 2026, the close above is 9 Oct 2026.
Business score
How strong the business is, in one number. The parts behind it are in Pro.
57
out of 100 · worked out 8 Oct 2026
Your ratios
The numbers you want to see first. Tap Edit to change them.
Market cap
₹710 Cr
P/E ratio
4.5
P/B ratio
0.3
ROCE
7.7%
ROE
7.6%
Dividend yield
3.4%
Price & valuation chart
How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.
Answers
Simple answers to the questions investors ask most, from the company's own numbers.
How fast it has been growing
Sales grew 1.2% over the past year, and 10.5% a year over its longer record. Meanwhile what it keeps on lending slipped from 20% to 19.3% over the last two years.
Whether it grew faster than its sector
It grew 10.5% a year against a sector median of 16.0% — 5.5 percentage points slower.
Room to re-rate, or risk of de-rating
At 4.5× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 17.0×, across 5 companies. It is against its own five-year median of 5.8×, the 11th percentile of its own range.
Whether growth justifies the valuation
Its earnings are falling, so growth cannot justify the price.
| Profit growth | Price per ₹1 profit | Per 1% growth | |
|---|---|---|---|
| GIC Housing Finance Limited — this one | -10%/yr | 4.5× | — |
| Bajaj Housing Finance Limited | 27%/yr | 25.4× | ₹0.94 |
| Piramal Finance Limited | -56%/yr | 98.0× | — |
| PNB Housing Finance Limited | 30%/yr | 13.0× | ₹0.43 |
| LIC Housing Finance Limited | 25%/yr | 5.1× | ₹0.21 |
| Aadhar Housing Finance Limited | 25%/yr | 17.0× | ₹0.68 |
Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.
How it compares with its peers
Against companies the exchange files under the same label (Housing Finance Company), it ranks 12 of 14 on returns, 11 of 14 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.
What makes it hard to beat — and is that still true?
No durable advantage shows in the numbers: it earns 7.6% on capital, ahead of 14% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.
Whether its growth pays for itself
This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.
Profit reality check
Is the profit real cash? Simple checks on the accounts. Facts only, not advice.
Not enough filed accounts to run these checks yet.
Latest result · Q1 FY27
What the last results showed. Whether management kept its word is in Pro.
Announced 12 Aug 2026 · Consolidated · Unaudited
Revenue
₹267 Cr
Net profit
₹10 Cr
Profit vs last year
+44.0%
Profit vs last quarter
-81.3%
Net margin
3.8%
EPS
₹1.87
Checklist before you investPRO
Points for and against, in one list.
Key numbers & peers
The main numbers grouped by topic, and how the company compares with similar ones.
Price
- Market cap
- ₹710 Cr
- Prev close
- ₹131.53
- 52w High
- ₹184
- 52w Low
- ₹130
- Enterprise value
- —
- Beta
- 1.0
- Price CAGR 1y
- -24.0%
- Price CAGR 3y
- -15.0%
- Price CAGR 5y
- -2.0%
- Price CAGR 10y
- -9.0%
Ratios
- Return on assets
- 1.4%
- PEG ratio
- -0.4
- P/E ratio
- 4.5
- P/B ratio
- 0.3
- EV / EBITDA
- —
- Industry P/E
- 13.0
- ROCE
- 7.7%
- ROCE 5y average
- —
- ROE
- 7.6%
- Debt / Equity
- 4.3
- Interest coverage
- —
- Dividend yield
- 3.4%
- ROE 3y average
- 8.0%
- ROE last year
- 8.0%
Annual P&L
- Annual revenue
- ₹1,083 Cr
- Annual profit
- ₹155 Cr
- Operating margin
- 16.0%
- Net profit margin
- 14.3%
- EBITDA margin
- 15.6%
- Sales growth 3y
- -1.2%
- Sales growth 5y
- —
- Profit growth 3y
- -10.0%
- Profit growth 5y
- —
- EPS
- ₹28.8
- Sales growth TTM
- 1.0%
- Profit growth TTM
- 15.0%
- Dividend payout
- 16.0%
Quarter P&L
- Sales latest quarter
- ₹267 Cr
- Profit latest quarter
- ₹10 Cr
- YoY quarterly sales growth
- 0.5%
- YoY quarterly profit growth
- 42.9%
- OPM latest quarter
- 8.0%
Balance Sheet
- Book Value
- ₹390
- Face Value
- ₹10.0
- Total debt
- ₹9,119 Cr
- Total cash
- ₹45 Cr
- Borrowings
- ₹9,119 Cr
- Reserves / Equity
- 38.0
Cash Flow
- Operating cash flow
- -₹320 Cr
- Free cash flow
- -₹325 Cr
- FCF yield
- —
- Net cash flow
- -₹14 Cr
Shareholding
- Promoter holding
- 42.4%
- FII holding
- 1.4%
- DII holding
- 2.5%
- Public holding
- 53.6%
Peer comparison
| Company | Price ₹ | P/E | Mkt cap ₹ Cr | Div yield % | Profit qtr ₹ Cr | Profit var % | Sales qtr ₹ Cr | Sales var % | ROCE % |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Housing | 82.91 | 25.6 | 69,083 | 0.00 | 715.3 | 22.6 | 3,063.0 | 17.1 | 8.8 |
| Piramal Finance. | 2,023.30 | 106.7 | 47,877 | 0.54 | 461.0 | 66.8 | 3,368.3 | 27.6 | 6.5 |
| PNB Housing | 1,092.00 | 12.1 | 28,480 | 0.73 | 554.5 | 4.3 | 2,252.5 | 9.1 | 9.4 |
| LIC Housing Fin. | 509.00 | 4.9 | 27,998 | 1.96 | 1,499.0 | 9.9 | 7,082.6 | -1.4 | 8.6 |
| Aadhar Hsg. Fin. | 448.40 | 17.0 | 19,658 | 0.00 | 282.4 | 19.0 | 992.9 | 17.1 | 11.4 |
| Sammaan Capital | 132.48 | 15,388 | 0.00 | 243.3 | -27.2 | 1,651.9 | -31.2 | 4.9 | |
| Home First Finan | 1,125.70 | 20.3 | 11,771 | 0.46 | 159.9 | 34.5 | 538.0 | 18.6 | 11.1 |
| GIC Housing Fin | 132.88 | 4.5 | 716 | 3.39 | 10.1 | 35.9 | 266.8 | 0.5 | 7.7 |
| Median | 478.70 | 12.1 | 11,555 | 0.64 | 252.1 | 19.8 | 850.8 | 14.2 | 9.7 |
Competes with: Aadhar Housing Finance Limited, Aptus Value Housing Finance India Limited, Bajaj Housing Finance Limited, Home First Finance Company India Limited, LIC Housing Finance Limited, PNB Housing Finance Limited, Piramal Finance Limited, Sammaan Capital Limited
Quarterly results
Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.
| Line item | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 268 | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Expenses | 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 |
| Other Income | 3 | 3 | 2 | 6 | 3 | 2 | 1 | -9 | 0 | 0 | 0 | 1 | 1 |
| Interest | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| 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 |
| Net Profit | 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 |
Profit & loss
Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1,152 | 1,123 | 1,060 | 1,079 | 1,083 | 1,084 |
| Expenses | 216 | 126 | 140 | 151 | 226 | 189 |
| Financing Profit | 234 | 294 | 209 | 225 | 169 | 208 |
| Financing Margin % | 20 | 26 | 20 | 21 | 16 | 19 |
| Other Income | 5 | 6 | 10 | -3 | 1 | 2 |
| Interest | 702 | 703 | 711 | 703 | 687 | 687 |
| Depreciation | 9 | 10 | 15 | 15 | 11 | 12 |
| Profit before tax | 230 | 290 | 204 | 207 | 159 | 197 |
| Tax % | 25 | 26 | 26 | 22 | 3 | |
| Net Profit | 174 | 213 | 151 | 160 | 155 | 157 |
| EPS in Rs | 32 | 40 | 28 | 30 | 29 | 29 |
| Dividend Payout % | 14 | 11 | 16 | 15 | 16 |
Compounded growth
Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.
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
- -9%
- 5 years
- -2%
- 3 years
- -15%
- 1 year
- -24%
Return on equity
- 10 years
- —
- 5 years
- 10%
- 3 years
- 8%
- Last year
- 8%
Balance sheet
What the company owns and what it owes, at the end of each year. ₹ crore.
| Line item | 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 |
| Other Liabilities | 53 | 53 | 57 | 60 | 74 |
| Total Liabilities | 11,929 | 10,920 | 10,471 | 10,775 | 11,299 |
| Fixed Assets | 20 | 52 | 44 | 27 | 69 |
| CWIP | 29 | 9 | 10 | 11 | 16 |
| Investments | 14 | 229 | 168 | 254 | 210 |
| Other Assets | 11,865 | 10,630 | 10,248 | 10,483 | 11,004 |
| Total Assets | 11,929 | 10,920 | 10,471 | 10,775 | 11,299 |
Cash flows
Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Cash from Operating Activity | 1,286 | 1,043 | 522 | -18 | -320 |
| Cash from Investing Activity | -3 | -213 | 64 | -87 | 52 |
| Cash from Financing Activity | -892 | -1,238 | -619 | 122 | 255 |
| Net Cash Flow | 391 | -408 | -34 | 18 | -14 |
| Free Cash Flow | 1,281 | 1,037 | 518 | -20 | -325 |
Ratios
How fast customers pay, how long stock sits, and how well capital earns — year by year.
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE % | 11 | 13 | 8 | 9 | 8 |
Price trend
The price as a Renko brick chart: small moves drop out so the bigger path stands out.
Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.
Open interestPRO
Where option traders are positioned on this stock.
Industry numbers
The numbers that matter most in this industry, from the company's own filings.
1 when an audit qualification is filed as repetitive
0.00flag
2026-03-31
capital adequacy (CRAR) %
33.94
the company's own unlisted debt securities in default at period end
0.00cr
2026-06-30
gross NPA %
4.49
the company's own loans / revolving facilities in default at period end (standalone filing)
0.00cr
2026-06-30
net NPA %
2.04
net interest margin %
3.41
guarantees / comfort given for promoter, promoter group, directors and KMP
0.00cr
2026-03-31
loans outstanding to promoter, promoter group, directors and KMP (governance filing)
0.54cr
2026-03-31
security given for the borrowing of promoter, promoter group, directors and KMP
0.00cr
2026-03-31
provision coverage %
60.36
FY revenue / permanent employees + workers, same basis (calc)
2,10,14,175inr
2026-03-31
return on assets %
1.37
News
News and filings about GIC Housing Finance Limited. Open one to see why it matters.
No recent news for this company.
Supply chain
Who it buys from, sells to and competes with — as recorded in our map of company links.
Competes with
Depends on the price of
- Bond Markets
- Interest Rates
Sells products of
About
What the company is, from our own records: where it sits, where it makes things, and what it is made of.
- Sector
- Financial Services
- Industry
- Housing Finance Company
- Classification
- Financial Services › Housing Finance Company
- ISIN
- INE289B01019
News impact
Big market events that reach GIC Housing Finance Limited, and how the effect spreads.
No recent market events reach this company.
Dividends, splits & big trades
Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.
Dividends
| 25 Jun 2026 | unspecified | ₹4.5 |
|---|---|---|
| 18 Jul 2025 | unspecified | ₹4.5 |
| 28 Jun 2024 | unspecified | ₹4.5 |
| 25 Aug 2023 | unspecified | ₹4.5 |
| 1 Sep 2022 | unspecified | ₹4.5 |
| 16 Sep 2021 | unspecified | ₹4 |
| 3 Dec 2020 | unspecified | ₹2 |
| 12 Sep 2019 | unspecified | ₹5.5 |
Splits, bonuses & buybacks
- daily-prices repair: 12 rows from NSE's archive (replace 5, delete 0, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016
Documents
Annual reports, results presentations and earnings calls, straight from the source.
- Annual report · 2025-2630 Jun 2026
Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.