GIC Housing Finance
GICHSGFIN NSE
GIC Housing Finance
Financial ServicesNSE: GICHSGFIN BSE: 511676 Housing Finance
Key Fundamentals
MicrocapHousing FinanceFinancial ServicesMarket Cap
₹728 Cr
Volatility
Moderate
P/E Ratio
4.69
EBITDA
₹857 Cr
Return on Equity
7.35%
Debt to Equity
4.39
Book Value
₹391.16
EPS
₹29.43
52W High
₹184
52W Low
₹130.05
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.35 times its book value
- Stock is providing a good dividend yield of 3.29%.
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
Growth Rate
Revenue Growth
-0.51% higher than
3Y
Net Income Growth
-3.49% higher than
3Y
Cash Flow Change
—
ROE
-9.93% lower than
3Y
ROCE
-13.05% higher than
3Y
EBITDA Margin (Avg.)
-8.11% higher than
3Y
Quarterly Results
| 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 in Rs | 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
| 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 in Rs | 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
| 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
| 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
53 extracted metrics + investor summaries across FY11–FY26.
Documents
3
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
10 Apr - Submission of Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026 10 Apr - Submission of Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026
4
Board Meeting Intimation for Consideration And Approval Of Financial Results, Dividend If Any And Fund Raising By Issue Of Ncds On Private Placement Basis And Other Business Related Matters
10 Apr - Board meeting on May 15, 2026 to approve FY26 results, dividend and ₹2,500 crore NCD issue. 10 Apr - Board meeting on May 15, 2026 to approve FY26 results, dividend and ₹2,500 crore NCD issue.
5
Announcement under Regulation 30 (LODR)-Change in Management
9 Apr - Ms. Paba Koshy appointed Head of Operations, Senior Vice President, effective April 9, 2026. 9 Apr - Ms. Paba Koshy appointed Head of Operations, Senior Vice President, effective April 9, 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[1]
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 market capitalisation of GIC Housing Finance Ltd?
GIC Housing Finance Ltd has a market capitalisation of ₹728.01 Cr, which places it in the Small Cap band.
What is the PE ratio of GIC Housing Finance Ltd?
GIC Housing Finance Ltd trades at a PE ratio of 4.69, on earnings per share of ₹29.43, 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 ₹130.05 and ₹184.
Does GIC Housing Finance Ltd pay dividends?
GIC Housing Finance Ltd has a dividend yield of 3.31%.
What is the Return on Equity (ROE) of GIC Housing Finance Ltd?
GIC Housing Finance Ltd reported a return on equity of 7.35%. Its debt-to-equity ratio is 4.39.
Company Information
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]
Website gichfindia.com
CEO Mr. Sachindra Salvi
Employees 422
Listed 1996-05-08
Face Value ₹ 10
Issued Size 5,38,51,066
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