GIC Housing Fin
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GIC Housing Fin share price

GIC Housing Finance Ltd.

NSE: GICHSGFIN BSE: 511676 SECTOR: Finance - Housing  39k   81   15

177.10
-6.15 (-3.36%)
BSE: 25 Apr 04:01 PM

Price Summary

Today's High

₹ 183.8

Today's Low

₹ 175

52 Week High

₹ 278.6

52 Week Low

₹ 151

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
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

₹ 953.7 Cr.

Advances

₹ 9978.31 Cr.

No. of Shares

5.39 Cr.

P/E

5.34

P/B

0.49

Face Value

₹ 10

Div. Yield

2.54 %

Book Value (TTM)

₹  358.38

Operating Revenue

₹ 1057.16 Cr.

Net Profit

₹ 151.16 Cr.

Promoter Holding

42.41 %

EPS (TTM)

₹  33.18

Sales Growth

-5.18

ROE

8.57 %

ROCE

8.61%

Profit Growth

-29.1 %

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* 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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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* 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-5.18%
3 Year-4.94%
5 Year-2.9%

Profit Growth

1 Year-29.1%
3 Year12.71%
5 Year-2.53%

ROE%

1 Year8.57%
3 Year11.32%
5 Year9.13%

ROCE %

1 Year8.61%
3 Year8.33%
5 Year8.13%

ROA%

1.4239

PEG Ratio

NA

PAT Margin (%)

14.2987

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 42.41 0.00
Dec 2024 42.41 0.00
Sep 2024 42.41 0.00
Jun 2024 42.41 0.00
Mar 2024 42.41 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.5931 times the book value

 Limitations

  • The company has delivered poor profit growth of -4.93902258409903% over past 3 years
  • The company has delivered poor Operating Income growth of -4.93902258409903% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 261.11 260.03 273.94 264.04 269.26
Other Income 1.78 5.5 3.24 1.64 0.95
Interest Expended 175.72 172.33 173.98 176.87 178.55
Operating Expenses 40.97 10.27 52.68 37.42 31.51
Total Provisions 0 0 0 0 0
Depreciation 3.9 3.83 3.65 3.74 3.78
Profit Before Tax 42.3 79.1 46.87 47.65 56.37
Tax 6.7 25.51 7.91 11.17 6.73
Net Profit 35.6 53.59 38.96 36.48 49.64
Adjusted EPS (RS) 6.61 9.95 7.23 6.77 9.22

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 1247.45 1230.65 1149.78 1114.9 1057.16
Other Income 7.46 8.9 6.62 158.84 12.5
Interest 945.76 823.25 701.55 702.93 710.69
Operating Expenses 91.88 88.16 90.94 112.95 129.86
Total Provisions 105 193.59 133.51 168.06 25.2
Exceptional Items 0 0 0 0 0
Profit Before Tax 112.27 134.55 230.4 289.8 203.91
Tax 66.66 28.98 56.83 76.6 52.75
Profit After Tax 45.61 105.57 173.57 213.2 151.16
Adjusted EPS (Rs.) 8.47 19.6 32.23 39.59 28.07

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 53.88 53.88 53.88 53.88 53.88
Total Reserves 1209.21 1303.94 1456.94 1645.43 1774.77
Borrowings 11003.41 9965.56 9804.08 8794.59 8166.83
Other N/C liabilities -87.36 -104.96 -114.97 -68.7 -53.42
Current liabilities 822.6 1302.12 602.03 409.77 454.22
Total Liabilities 13001.74 12520.54 11801.96 10834.97 10396.28
Assets
Loans 12821.97 12331.21 11198.18 10321.04 9978.31
Net Block 18.77 16.38 20.56 52.22 43.63
Capital WIP 0 0 0 0 0
Intangible WIP 13.44 28.72 29.14 8.82 10.05
Investments 13.58 14.25 15.16 75.05 85.76
Other Loans 11.97 13.12 11.29 43.71 37.81
Other N/C Assets 1.31 0.93 33.54 77.15 100.53
Current Assets 120.7 115.93 494.09 256.98 140.19
Total Assets 13001.74 12520.54 11801.96 10834.97 10396.28
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
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 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 57.59 57.59 57.59 57.59 57.59
investor education and pr... - 0.36 - 0.41 0.41
life insurance corporatio... 5.89 5.89 5.89 5.89 5.89
lok prakashan ltd 4.14 4.14 4.14 4.08 4.08
vaipan ventures private l... - 1.04 1.04 1.02 -
investor education and pr... 0.36 - 0.41 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

GIC Housing Finance informs about compliance certificate 9 Apr, 3:33 PM Gic Housing Finance informs about press release 20 Feb, 1:48 PM GIC Housing Fin - Quaterly Results 11 Feb, 6:53 PM GIC Housing Fin - Quaterly Results 11 Feb, 6:53 PM GIC Housing Finance inks pact with IMGC 13 Jan, 6:26 PM GIC Housing Finance informs about closure of trading window 26 Dec, 11:14 AM GIC Housing Fin - Quaterly Results 8 Nov, 6:11 PM GIC Housing Fin - Quaterly Results 8 Nov, 6:11 PM GIC Housing Finance informs about issuance of letter of confirmation 20 Aug, 12:48 PM GIC Housing Finance informs about press release 8 Aug, 3:13 PM GIC Housing Fin - Quaterly Results 6 Aug, 5:12 PM GIC Housing Fin - Quaterly Results 6 Aug, 5:12 PM GIC Housing Fin - Quaterly Results 6 Aug, 5:12 PM GIC Housing Fin - Quaterly Results 13 May, 5:49 PM GIC Housing Fin - Quaterly Results 13 May, 5:49 PM GIC Housing Fin - Quaterly Results 13 May, 5:49 PM GIC Housing Finance informs about certificate 16 Apr, 2:33 PM GIC Housing Finance informs about issuance of letters of confirmation 29 Feb, 2:31 PM GIC Housing Fin - Quaterly Results 5 Feb, 7:05 PM GIC Housing Fin - Quaterly Results 5 Feb, 7:05 PM Gic Housing Finance informs about update 11 Jan, 3:53 PM GIC Housing Finance informs about details of loss of certificate 5 Jan, 1:35 PM GIC Housing Finance submits remote e-voting results & scrutinizers report 18 Dec, 5:08 PM GIC Housing Finance informs about newspaper publication 16 Nov, 5:11 PM GIC Housing Finance informs about compliance certificate 20 Oct, 3:14 PM GIC Housing Finance informs about closure of trading window 18 Sep, 11:56 AM GIC Housing Finance informs about newspaper publication 25 Aug, 4:32 PM Gic Housing Finance informs about press release 21 Aug, 5:13 PM GIC Housing Finance informs about credit ratings 19 Aug, 11:30 AM GIC Housing Fin - Quaterly Results 7 Aug, 7:33 PM GIC Housing Fin - Quaterly Results 7 Aug, 7:33 PM GIC Housing Finance planning to raise funds through NCDs 11 Jul, 12:59 PM Gic Housing Finance informs about loss of share certificate 16 Jun, 2:09 PM Gic Housing Finance informs about disclosure 7 Jun, 4:41 PM GIC Housing Fin - Quaterly Results 17 May, 7:08 PM GIC Housing Fin - Quaterly Results 17 May, 7:08 PM GIC Housing Finance informs about loss of share certificate 13 Mar, 10:46 AM Gic Housing Finance informs about financial highlights 6 Feb, 4:09 PM Gic Housing Finance informs about press release 6 Feb, 3:12 PM GIC Housing Fin - Quaterly Results 2 Feb, 7:43 PM GIC Housing Fin - Quaterly Results 2 Feb, 7:43 PM Gic Housing Finance informs about trading window closure 21 Dec, 12:20 PM GIC Housing Fin - Quaterly Results 14 Nov, 6:29 PM GIC Housing Fin - Quaterly Results 14 Nov, 6:29 PM GIC Housing Finance informs about loss of share certificate 14 Sep, 12:42 PM GIC Housing Finance planning to raise up to Rs 2,500 crore 26 Aug, 10:58 AM GIC Housing Finance informs about newspaper publication 25 Aug, 4:48 PM GIC Housing Fin - Quaterly Results 2 Aug, 5:56 PM GIC Housing Fin - Quaterly Results 2 Aug, 5:56 PM GIC Housing Fin - Quaterly Results 2 Aug, 5:56 PM

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.

GIC Housing Fin stock price today is Rs 178. 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 151.16 Cr and the compounded growth of profit in the past 3 years is 12.7106447795222 %. The PAT margin of GIC Housing Fin is 14.2987 %.

  • 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 declined by -29.0994 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): GIC Housing Fin has a poor ROE track record. The ROE of GIC Housing Fin is at 8.5694 % 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 178. GIC Housing Fin is trading at a current P/E ratio of 7.1748 and the average historical P/E for the last 5 years was 5.62185409823472.

  • 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 0.4984 . The average historical P/B for the last 5 years was 0.453206949915717. 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 178. 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. 

GIC Housing Finance Balance Sheet Overview

GIC Housing Finance's balance sheet showcases a broad view of the company's financial health over a span from March 2020 to March 2024. Let's delve into the specifics to better understand its financial path.

GIC Housing Finance's Equity and Liabilities

From March 2020 to March 2024, GIC Housing Finance maintained its share capital consistently at Rs 53.88 Cr. However, a noteworthy trend is the gradual increase in total reserves, starting from Rs 1,209.21 Cr in March 2020 to reaching Rs 1,774.77 Cr by March 2024, indicating a stable reinforcement of the company's equity.

GIC Housing Finance's Borrowing Patterns

The company has been on a declining path regarding its borrowings, with a significant decrease noticed from Rs 11,003.41 Cr in March 2020 to Rs 8,166.83 Cr by March 2024. This demonstrates GIC Housing Finance's ongoing efforts to decrease its debt burden, which could potentially strengthen its financial stability.

GIC Housing Finance's Assets Management

On the assets side, loans form the significant component, although there's a noticeable decrease from Rs 12,821.97 Cr in March 2020 to Rs 9,978.31 Cr by March 2024, showcasing a strategic shift in asset allocation. Additionally, investments saw an increase from Rs 13.58 Cr in March 2020 to Rs 85.76 Cr by March 2024, indicating a diversification in investment strategy.

This data represents an analysis for the Standalone Balance sheet of GIC Housing Finance.

Investors also keep an eye on market trends, including NSE/BSE indices, IPOs, and sectoral shifts, to make informed decisions about companies like GIC Housing Finance.

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