GIC Housing Finance
Financial Services
GICHSGFIN NSE
₹125.15 +3.33 (+2.73%)
- P/E
- 4.29
Close 4 Nov 2026 ₹125.15 −47.53 −27.5% 1Y
Start ₹172.68
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · EPS basis: Standalone · TTM
- Debt to Equity
- 4.33
- EPS (TTM)
- ₹29.19
- Book Value
- ₹391.16
- Market Cap
- —
- P/E (TTM)
- 4.29
- P/B
- 0.32
- ROE
- 7.59%
- Dividend Yield
- 3.69%
- 52W High
- ₹184.00
- 52W Low
- ₹120.00
- Day Range
- ₹121.50 – ₹125.87
- Volume
- 99,861
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › Housing Finance › Housing Finance Company
| ₹81.42 | 25.21 | ₹65,542 Cr | 2.82 | 0.00% | 12.10% | — | ₹11,604 Cr | ₹2,692 Cr | |
| ₹1,946.20 | — | ₹45,625 Cr | 1.49 | 0.58% | 0.86% | 6.47% | ₹13,357 Cr | ₹1,909 Cr | |
| ₹520.00 | 4.98 | ₹28,072 Cr | 0.65 | 1.98% | 14.40% | — | ₹28,562 Cr | ₹5,739 Cr | |
| ₹1,082.00 | 11.99 | ₹28,029 Cr | 1.39 | 0.75% | 12.90% | — | ₹8,700 Cr | ₹2,350 Cr | |
| ₹431.20 | 16.44 | ₹18,689 Cr | 2.52 | 0.00% | 15.90% | — | ₹3,817 Cr | ₹1,140 Cr | |
| ₹125.98 | — | ₹14,065 Cr | 0.82 | 1.67% | −3.21% | — | ₹7,418 Cr | −₹7,236 Cr | |
| ₹1,082.30 | 19.38 | ₹11,147 Cr | 2.43 | 0.49% | 15.70% | — | ₹1,999 Cr | ₹581 Cr | |
| GIC Housing Finance (this company) | ₹125.15 | 4.29 | ₹661 Cr | 0.32 | 3.69% | 7.59% | — | ₹1,084 Cr | ₹158 Cr |
| Median 8 companies | ₹475.60 | 14.22 | ₹23,359 Cr | 1.44 | 0.67% | 12.50% | 6.47% | ₹8,059 Cr | ₹1,525 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
40 Weak
Data confidence 94/100
Category scores
- Quality
- 38
- Weak
- Returns, margins, earnings quality 22% weight
- Valuation
- 71
- Strong
- Cheap vs sector & own history 24% weight
- Growth
- 41
- Weak
- Sales & profit trajectory 9% weight
- Financial Health
- 34
- Poor
- Solvency, leverage, coverage 9% weight
- Momentum
- 19
- Poor
- Trend strength, vol-adjusted 12% weight
- Ownership
- 17
- Poor
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Stock is trading at 0.34 times its book value
- Stock is providing a good dividend yield of 3.43%.
Weaknesses
4- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -2.55% over past five years.
- Company has a low return on equity of 8.36% over last 3 years.
- Company might be capitalizing the interest cost
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bearish | 11 | 5 | 3 |
| Oscillators | Bearish | 3 | 5 | 1 |
| Moving Averages | Strong Bearish | 8 | 0 | 2 |
Oscillators
Bearish
Bearish
3
Neutral
5
Bullish
1
Overall
Strong Bearish
Bearish
11
Neutral
5
Bullish
3
Moving Averages
Strong Bearish
Bearish
8
Neutral
0
Bullish
2
Key readings
- RSI (14)
- 40.76
- Neutral
- MACD (12,26,9)
- −3.53
- Bearish
- SMA (50)
- 133.78
- Bearish
- SMA (200)
- 147.77
- Bearish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +2.13% |
|---|---|
| 5Y | −2.56% |
| 3Y | −1.23% |
| 1Y | +0.28% |
| TTM | +1.40% |
Net profit
| 10Y | +2.19% |
|---|---|
| 5Y | +7.76% |
| 3Y | −10.25% |
| 1Y | −3.75% |
| TTM | +23.44% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹1,002 Cr |
|---|---|
| Mar 2018 | ₹1,112 Cr |
| Mar 2019 | ₹1,228 Cr |
| Mar 2020 | ₹1,252 Cr |
| Mar 2021 | ₹1,232 Cr |
| Mar 2022 | ₹1,152 Cr |
| Mar 2023 | ₹1,123 Cr |
| Mar 2024 | ₹1,060 Cr |
| Mar 2025 | ₹1,079 Cr |
| Mar 2026 | ₹1,082 Cr |
Net profit by year
| Mar 2017 | ₹148 Cr |
|---|---|
| Mar 2018 | ₹206 Cr |
| Mar 2019 | ₹172 Cr |
| Mar 2020 | ₹46.00 Cr |
| Mar 2021 | ₹106 Cr |
| Mar 2022 | ₹174 Cr |
| Mar 2023 | ₹213 Cr |
| Mar 2024 | ₹151 Cr |
| Mar 2025 | ₹160 Cr |
| Mar 2026 | ₹154 Cr |
Quarterly Results
₹ Cr| Particulars | 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 | 32 | 30 | 110 | 35 | 42 | 39 | 73 |
| Financing Profit | 43 | 42 | 44 | 77 | 47 | 50 | 59 | 68 | −18 | 64 | 58 | 65 | 21 |
| Fin. Margin % | 16% | 16% | 17% | 30% | 17% | 19% | 22% | 25% | −7% | 23% | 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 |
| PBT | 42 | 41 | 42 | 79 | 47 | 48 | 56 | 55 | −20 | 61 | 55 | 63 | 18 |
| Tax % | 24% | 26% | 16% | 32% | 17% | 23% | 12% | 37% | −136% | 18% | 20% | 15% | 43% |
| Net Profit | 32 | 30 | 36 | 54 | 39 | 36 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS (₹) | 5.91 | 5.6 | 6.61 | 9.95 | 7.23 | 6.77 | 9.22 | 6.52 | 1.36 | 9.28 | 8.1 | 9.95 | 1.86 |
| Gross NPA % | 4.69% | 4.59% | 4.59% | 3.88% | 3.98% | 3.78% | 3.47% | 3.03% | 4.74% | 4.52% | 4.24% | 3.96% | 4.49% |
| Net NPA % | 3.25% | 3.08% | 3.01% | 2.69% | 2.56% | 2.43% | 2.22% | 1.96% | 2.14% | 1.99% | 1.8% | 1.61% | 2.04% |
Profit & Loss
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 733 | 876 | 1,002 | 1,112 | 1,228 | 1,252 | 1,232 | 1,152 | 1,123 | 1,060 | 1,079 | 1,082 | 1,084 |
| Expenses | 67 | 84 | 106 | 124 | 114 | 191 | 277 | 216 | 126 | 140 | 151 | 226 | 189 |
| Financing Profit | 157 | 192 | 228 | 275 | 248 | 116 | 131 | 234 | 294 | 209 | 225 | 169 | 208 |
| Fin. Margin % | 21% | 22% | 23% | 25% | 20% | 9% | 11% | 20% | 26% | 20% | 21% | 16% | 19% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 3 | 8 | 5 | 6 | 10 | −3 | 1 | 2 |
| Interest | 509 | 601 | 668 | 713 | 866 | 946 | 823 | 702 | 703 | 711 | 703 | 687 | 687 |
| Depreciation | 4 | 1 | 1 | 1 | 1 | 6 | 4 | 9 | 10 | 15 | 15 | 11 | 12 |
| PBT | 154 | 191 | 227 | 274 | 247 | 112 | 135 | 230 | 290 | 204 | 206 | 159 | 197 |
| Tax % | 33% | 35% | 35% | 25% | 30% | 59% | 22% | 25% | 26% | 26% | 22% | 3% | — |
| Net Profit | 103 | 124 | 148 | 206 | 172 | 46 | 106 | 174 | 213 | 151 | 160 | 154 | 157 |
| EPS (₹) | 19.12 | 23.12 | 27.43 | 38.19 | 31.9 | 8.47 | 19.6 | 32.23 | 39.59 | 28.07 | 29.74 | 28.69 | 29.19 |
| Div. Payout % | 26% | 22% | 18% | 14% | 17% | 24% | 20% | 14% | 11% | 16% | 15% | 16% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 |
| Reserves | 606 | 678 | 784 | 1,064 | 1,200 | 1,209 | 1,304 | 1,457 | 1,645 | 1,775 | 1,911 | 2,052 |
| Borrowing | 5,794 | 7,001 | 8,237 | 9,984 | 11,659 | 11,768 | 11,226 | 10,365 | 9,168 | 8,584 | 8,751 | 9,119 |
| Other Liabilities | 266 | 289 | 329 | 44 | 57 | 68 | 57 | 53 | 53 | 57 | 60 | 74 |
| Total Liabilities | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 | 11,298 |
| Fixed Assets | 3 | 2 | 2 | 2 | 3 | 19 | 16 | 21 | 52 | 44 | 27 | 69 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 13 | 29 | 29 | 9 | 10 | 11 | 16 |
| Investments | 10 | 10 | 26 | 13 | 14 | 14 | 14 | 15 | 230 | 169 | 255 | 211 |
| Other Assets | 6,708 | 8,009 | 9,376 | 11,132 | 12,953 | 13,053 | 12,581 | 11,864 | 10,629 | 10,248 | 10,482 | 11,002 |
| Total Assets | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 | 11,298 |
Cash Flow
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | −1,103 | −1,167 | −1,178 | −1,721 | −1,645 | 22 | 548 | 1,286 | 1,044 | 522 | −18 | −320 |
| Investing | 1 | 2 | −16 | 2 | 1 | −11 | −14 | −4 | −213 | 64 | −87 | 52 |
| Financing | 1,105 | 1,174 | 1,203 | 1,715 | 1,639 | 51 | −558 | −892 | −1,238 | −619 | 122 | 255 |
| Net Cash Flow | 3 | 9 | 10 | −5 | −5 | 62 | −24 | 390 | −407 | −34 | 18 | −14 |
| Free Cash Flow | −1,104 | −1,167 | −1,179 | −1,722 | −1,647 | 8 | 532 | 1,281 | 1,038 | 518 | −20 | −325 |
| CFO/OP | −158 | −140 | −123 | −170 | −140 | 5 | 63 | 145 | 111 | 61 | 3 | −33 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 18% | 19% | 21% | 14% | 4% | 8% | 12% | 13% | 9% | 9% | 8% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view GIC Housing Finance insights
44 extracted metrics across FY11–FY27.
Documents
- Concall · Jan 2026PPT
- 12 Aug 2025
- 7 Oct 2026
- 18 Sep 2026
- 7 Aug 2026
- 28 Apr 2026
- 29 Oct 2025
- General announcements 25 Oct 2026
Frequently Asked Questions about GIC Housing Finance
What does GIC Housing Finance Ltd do?
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit
Where is GIC Housing Finance Ltd (GICHSGFIN) listed?
GIC Housing Finance Ltd trades as GICHSGFIN on the NSE and under code 511676 on the BSE.
Which sector does GIC Housing Finance Ltd belong to?
GIC Housing Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the PE ratio of GIC Housing Finance Ltd?
GIC Housing Finance Ltd trades at a PE ratio of 4.29 as of 4 Nov 2026, on earnings per share of ₹29.19, against a book value of ₹391.16 per share.
What is the 52-week high and low of GIC Housing Finance Ltd?
Over the last 52 weeks GIC Housing Finance Ltd has traded between ₹120 and ₹184 as of 4 Nov 2026.
Does GIC Housing Finance Ltd pay dividends?
GIC Housing Finance Ltd has a dividend yield of 3.69%.
What is the Return on Equity (ROE) of GIC Housing Finance Ltd?
GIC Housing Finance Ltd reported a return on equity of 7.59%. Its debt-to-equity ratio is 4.33.
Company Information
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit
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