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GIC Housing Fin share price

GIC Housing Finance Ltd.

NSE: GICHSGFIN BSE: 511676 SECTOR: Finance - Housing  29k   72   14

214.20
+0.20 (0.09%)
BSE: 17 May 04:01 PM

Price Summary

Today's High

₹ 215

Today's Low

₹ 210.95

52 Week High

₹ 292.45

52 Week Low

₹ 164.6

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

1153.49 Cr.

Advances

10321.04 Cr.

No. of Shares

5.39 Cr.

P/E

7.63

P/B

0.63

Face Value

₹ 10

Div. Yield

2.08 %

Book Value (TTM)

₹  339.57

Operating Revenue

1114.9 Cr.

Net Profit

213.2 Cr.

Promoter Holding

42.41 %

EPS (TTM)

₹  28.07

Sales Growth

-3.03

ROE

13.28 %

ROCE

8.75%

Profit Growth

22.83 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-3.03%
3 Year-3.68%
5 Year0.09%

Profit Growth

1 Year22.83%
3 Year67.2%
5 Year0.67%

ROE%

1 Year13.28%
3 Year11.15%
5 Year10.31%

ROCE %

1 Year8.75%
3 Year7.96%
5 Year8.26%

ROA%

1.88364765010096

PEG Ratio

0.33

PAT Margin (%)

19.1227912817293

EPS Growth(%)

22.8325178936526

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 42.41 0
Dec 2023 42.41 0
Sep 2023 42.41 0
Jun 2023 42.41 0
Mar 2023 42.41 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 4.026859886158%.
  • The company is trading at 0.490717980556471 times the book value

 Limitations

  • The company has delivered poor profit growth of -3.67528072575002% over past 3 years
  • The company has delivered poor Operating Income growth of -3.67528072575002% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 281.17 268.43 267.59 261.11 260.03
Other Income 6.22 2.61 2.59 1.78 5.5
Interest Expended 178.19 183.01 179.32 175.72 172.33
Operating Expenses 28.21 42.43 46.66 40.97 10.27
Total Provisions 0 0 0 0 0
Depreciation 3.47 3.67 3.62 3.9 3.83
Profit Before Tax 77.52 41.93 40.58 42.3 79.1
Tax 25.23 10.12 10.42 6.7 25.51
Net Profit 52.29 31.81 30.16 35.6 53.59
Adjusted EPS (RS) 9.71 5.91 5.6 6.61 9.95

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 1224.78 1247.45 1230.65 1149.78 1114.9
Other Income 2.87 7.46 8.9 6.62 158.84
Interest 865.56 945.76 823.25 701.55 702.93
Operating Expenses 71.31 91.88 88.16 90.94 112.95
Total Provisions 43.72 105 193.59 133.51 168.06
Exceptional Items 0 0 0 0 0
Profit Before Tax 247.06 112.27 134.55 230.4 289.8
Tax 75.25 66.66 28.98 56.83 76.6
Profit After Tax 171.81 45.61 105.57 173.57 213.2
Adjusted EPS (Rs.) 31.91 8.47 19.6 32.23 39.59

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 53.88 53.88 53.88 53.88 53.88
Total Reserves 1200.12 1209.21 1303.94 1456.94 1645.43
Borrowings 10417.87 11003.41 9965.56 9804.08 8794.59
Other N/C liabilities -113.83 -87.36 -104.96 -114.97 -68.7
Current liabilities 1290.93 822.6 1302.12 602.03 409.77
Total Liabilities 12848.97 13001.74 12520.54 11801.96 10834.97
Assets
Loans 12755.38 12821.97 12331.21 11198.18 10321.04
Net Block 2.84 18.77 16.38 20.56 52.22
Capital WIP 0 0 0 0 0
Intangible WIP 0 13.44 28.72 29.14 8.82
Investments 13.5 13.58 14.25 15.16 75.05
Other Loans 18.49 11.97 13.12 11.29 43.71
Other N/C Assets 2.02 1.31 0.93 33.54 77.15
Current Assets 56.74 120.7 115.93 494.09 256.98
Total Assets 12848.97 13001.74 12520.54 11801.96 10834.97
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 42.41 42.41 42.41 42.41 42.41
general insurance corpora... 15.26 15.26 15.26 15.26 15.26
national insurance compan... 5.63 5.63 5.63 5.63 5.63
the new india assurance c... 8.65 8.65 8.65 8.65 8.65
the oriental insurance co... 5.52 5.52 5.52 5.52 5.52
united india insurance co... 7.35 7.35 7.35 7.35 7.35
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 57.59 57.59 57.59 57.59 57.59
investor education and pr... - - 0.36 0.36 0.36
life insurance corporatio... 6.34 6.34 6.34 5.89 5.89
lok prakashan ltd 3.79 3.64 4.32 4.34 4.14
morgan stanley asia (sing... - - 1.03 - -
investor education and pr... 0.33 0.33 - - -
jaideep goswami 1.00 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ4FY22 21 Jun 2022

Company News

GIC Housing Fin - Quaterly Results13 May 2024, 5:49PM GIC Housing Fin - Quaterly Results13 May 2024, 5:49PM GIC Housing Fin - Quaterly Results13 May 2024, 5:49PM GIC Housing Finance informs about certificate16 Apr 2024, 2:33PM GIC Housing Finance informs about issuance of letters of confirmation29 Feb 2024, 2:31PM GIC Housing Fin - Quaterly Results5 Feb 2024, 7:05PM GIC Housing Fin - Quaterly Results5 Feb 2024, 7:05PM Gic Housing Finance informs about update11 Jan 2024, 3:53PM GIC Housing Finance informs about details of loss of certificate 5 Jan 2024, 1:35PM GIC Housing Finance submits remote e-voting results & scrutinizers report 18 Dec 2023, 5:08PM GIC Housing Finance informs about newspaper publication16 Nov 2023, 5:11PM GIC Housing Finance informs about compliance certificate20 Oct 2023, 3:14PM GIC Housing Finance informs about closure of trading window 18 Sep 2023, 11:56AM GIC Housing Finance informs about newspaper publication25 Aug 2023, 4:32PM Gic Housing Finance informs about press release21 Aug 2023, 5:13PM GIC Housing Finance informs about credit ratings19 Aug 2023, 11:30AM GIC Housing Fin - Quaterly Results7 Aug 2023, 7:33PM GIC Housing Fin - Quaterly Results7 Aug 2023, 7:33PM GIC Housing Finance planning to raise funds through NCDs11 Jul 2023, 12:59PM Gic Housing Finance informs about loss of share certificate16 Jun 2023, 2:09PM Gic Housing Finance informs about disclosure7 Jun 2023, 4:41PM GIC Housing Fin - Quaterly Results17 May 2023, 7:08PM GIC Housing Fin - Quaterly Results17 May 2023, 7:08PM GIC Housing Finance informs about loss of share certificate13 Mar 2023, 10:46AM Gic Housing Finance informs about financial highlights6 Feb 2023, 4:09PM Gic Housing Finance informs about press release6 Feb 2023, 3:12PM GIC Housing Fin - Quaterly Results2 Feb 2023, 7:43PM GIC Housing Fin - Quaterly Results2 Feb 2023, 7:43PM Gic Housing Finance informs about trading window closure21 Dec 2022, 12:20PM GIC Housing Fin - Quaterly Results14 Nov 2022, 6:29PM GIC Housing Fin - Quaterly Results14 Nov 2022, 6:29PM GIC Housing Finance informs about loss of share certificate 14 Sep 2022, 12:42PM GIC Housing Finance planning to raise up to Rs 2,500 crore26 Aug 2022, 10:58AM GIC Housing Finance informs about newspaper publication25 Aug 2022, 4:48PM GIC Housing Fin - Quaterly Results2 Aug 2022, 5:56PM GIC Housing Fin - Quaterly Results2 Aug 2022, 5:56PM GIC Housing Fin - Quaterly Results2 Aug 2022, 5:56PM GIC Housing Finance informs about board meeting15 Jul 2022, 11:54AM GIC Housing Fin - Quaterly Results18 May 2022, 7:27PM GIC Housing Fin - Quaterly Results18 May 2022, 7:27PM GIC Housing Finance informs about allotment of NCDs 28 Mar 2022, 4:08PM GIC Housing Fin - Quaterly Results31 Jan 2022, 6:48PM GIC Housing Fin - Quaterly Results31 Jan 2022, 6:48PM GIC Housing Finance informs about compliance certificate14 Oct 2021, 3:08PM GIC Housing Finance gets nod to increases investment in GICHFL Financial Services7 Oct 2021, 4:20PM GIC Housing Finance informs about closure of trading window28 Sep 2021, 10:34AM GIC Housing Finance fixes book closure for dividend & AGM19 Aug 2021, 11:10AM GIC Housing Finance planning to raise funds worth Rs 2,500 crore 19 Aug 2021, 9:31AM GIC Housing Finance turns black in Q1 12 Aug 2021, 1:27PM GIC Housing Finance submits financial highlights 12 Aug 2021, 12:49PM

GIC Housing Fin Stock Price Analysis and Quick Research Report. Is GIC Housing Fin an attractive stock to invest in?

 

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the GIC Housing Fin better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 213.2 Cr and the compounded growth of profit in the past 3 years is 67.2014901233331 %. The PAT margin of GIC Housing Fin is 19.1227912817293 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In GIC Housing Fin , the EPS grew by 22.8325178936526 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): GIC Housing Fin has a average ROE track record. The ROE of GIC Housing Fin is at 13.2831994317881 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of GIC Housing Fin is worth at the current levels at Rs 213.65. GIC Housing Fin is trading at a current P/E ratio of 3.91119305911622 and the average historical P/E for the last 5 years was 5.88065518839229.

  • P/B ratio can be one of the best metrics to value such companies. Currently, GIC Housing Fin is trading at a P/B of 0.636 . The average historical P/B for the last 5 years was 0.566657820363717. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of GIC Housing Fin is Rs 213.65. One can use valuation calculators of ticker to know if GIC Housing Fin share price is undervalued or overvalued.

Last Updated on:
Brief about GIC Housing Fin

GIC Housing Finance Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

GIC Housing Finance Ltd. is a renowned housing finance company that specializes in providing home loans to individuals and families. With a strong presence in the Indian market, GIC Housing Finance Ltd. has established itself as a trusted name in the industry.

GIC Housing Finance Ltd. - Share Price

Stay up-to-date with the latest share price of GIC Housing Finance Ltd. Our website provides real-time information on the stock's performance. Investors can easily track the share price using our pre-built screening tool, which provides a user-friendly interface to analyze the stock's historical performance.

GIC Housing Finance Ltd. - Balance Sheet

A company's balance sheet is a critical document that provides insights into its financial health. Our website offers downloadable annual reports, which include GIC Housing Finance Ltd.'s balance sheet. Additionally, our premium features offer tools for fair value calculation, such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

GIC Housing Finance Ltd. - Annual Report

Access GIC Housing Finance Ltd.'s annual reports on our website. These reports contain comprehensive information about the company's financials, business strategies, and future outlook. Investors can make informed decisions by studying these reports.

GIC Housing Finance Ltd. - Dividend

Find information about GIC Housing Finance Ltd.'s dividend payouts on our website. Dividends can be an attractive aspect for long-term stock investors, and our platform provides an overview of the company's dividend history.

GIC Housing Finance Ltd. - Quarterly Results

Tracking a company's quarterly results can give investors valuable insights into its financial performance. Our website offers downloadable quarterly result reports for GIC Housing Finance Ltd. Utilize our premium features to conduct fair value calculations using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

GIC Housing Finance Ltd. - Stock Price

Stay informed about the stock price movements of GIC Housing Finance Ltd. Our website provides a detailed price chart, allowing investors to monitor the stock's performance over time. This tool is especially useful for long-term investors who want to gauge the stock's volatility and potential returns.

GIC Housing Finance Ltd. - News

Stay updated with the latest news related to GIC Housing Finance Ltd. Our website curates news articles from reputable sources, enabling investors to make well-informed decisions. This feature helps long-term investors stay updated on important market developments that could impact their investment.

GIC Housing Finance Ltd. - Concall Transcripts

Obtain valuable insights on GIC Housing Finance Ltd.'s performance through our website's downloadable concall transcripts. These transcripts document the discussions and insights shared during the company's conference calls, providing investors with a deeper understanding of the company's strategies, challenges, and future plans.

GIC Housing Finance Ltd. - Investor Presentations

Access GIC Housing Finance Ltd.'s investor presentations on our website. These presentations offer a comprehensive overview of the company's financials, growth strategies, and market performance. Investors can gain valuable insights into the company's positioning by studying these informative presentations.

GIC Housing Finance Ltd. - Promoters

GIC Housing Finance Ltd. is supported by a team of dedicated promoters who have a strong track record in the industry. Our website provides information about the company's promoters, enabling investors to evaluate their expertise and reputation. Understanding the promoters' background can help investors assess the company's stability and growth potential.

GIC Housing Finance Ltd. - Shareholders

Explore the list of shareholders for GIC Housing Finance Ltd. on our website. By studying the major shareholders, investors can gain insights into the stock's popularity and interest among institutional investors. This information can help investors gauge market sentiment and make informed decisions.

Remember to visit our website to access a range of pre-built screening tools, including annual reports, concall transcripts, investor presentations, credit ratings, and research reports. Additionally, our premium features, such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, offer advanced tools for fair value calculation. Our platform provides long-term stock investors with the necessary resources to conduct thorough stock analysis and make informed investment decisions.

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