1. India Stocks

  2. •

    Financial Services

  3. •

    Financial - Mortgages
GIC Housing Finance Limited

GIC Housing Finance Limited

GICHSGFIN.NS
GIC Housing Finance LimitedIN flagNational Stock Exchange of India
151.99
INR
+1.15
- -
8.18BMarket Cap
GIC Housing Finance Limited
GICHSGFIN.NS
(National Stock Exchange of India)

Recent

price

151.99

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
32.43
80.92
98.42
115.79
135.73
162.38
185.74
205.77
227.44
231.52
226.48
211.23
201.51
191.52
192.62
195.39
198.52
Revenue per Share
21.11
10.95
15.78
18.11
19.12
23.12
27.43
38.19
31.9
8.47
19.6
32.22
39.6
28.11
29.79
28.75
28.76
Basic EPS, GAAP
-60.93
-69.78
-48.98
-123.04
-204.93
-216.74
-218.88
-319.74
-305.82
1.41
98.82
237.8
192.59
96.2
-3.75
-60.43
- -
Free Cash Flow per Basic Share
4.5
5.5
4.5
5
6
5
5
5
5.5
5.5
2
4
4.5
4.5
4.5
4.5
- -
Dividend per Share
10
10
10.01
10.01
10.01
10.02
16.03
20.69
16.76
12.29
14.17
14.53
14.84
14.96
15.18
15.1
15.11
Book Value per Share
86.46
91.85
101.85
113.19
122.63
135.89
175.41
207.68
232.86
232.06
246.81
274.55
309.02
333.81
362.3
388.02
388.14
Tangible Book Value per Share
54
54
54
54
54
54
54
54
54
54
54
54
54
54
54
54
54
Basic Weighted Avg Shares
1,748
4,362
5,305
6,236
7,309
8,744
10,002
11,081
12,248
12,468
12,196
11,375
10,852
10,314
10,373
10,522
10,687
Sales/Revenue/Turnover
135.98
17.34
17.52
21.15
20.78
22.62
23.01
30.38
22.77
16.82
25.36
29.57
24.79
18.55
18.28
19.41
21.32
Operating Margin (%)
7
8
21
20
35
8
7
6
7
61
45
87
99
150
150
110
110
Depreciation Expense
1,138
590
850
976
1,030
1,245
1,477
2,056
1,718
456
1,056
1,735
2,132
1,514
1,604
1,548
1,548
Net Income, GAAP
21.91
25.13
24.78
26.8
33.01
34.85
34.95
25.03
30.46
59.37
21.54
24.67
26.43
25.87
22.39
2.76
2.76
Effective Tax Rate (%)
65.08
13.54
16.03
15.64
14.09
14.24
14.77
18.56
14.03
3.66
8.66
15.25
19.65
14.67
15.47
14.71
14.49
Profit Margin (%)
- -
-2,866
-6,896
-7,291
-11,452
-11,511
-13,686
-18,186
-23,404
-20,142
-23,364
-21,230
-26,602
-22,951
-22,129
-27,439
-27,439
Working Capital
23,604
28,310
30,020
36,301
43,590
55,108
64,366
76,512
87,430
91,557
82,221
71,723
56,629
55,573
56,439
56,501
56,501
LT Debt
4,663
4,972
5,507
6,105
6,604
7,318
9,446
11,184
12,540
12,631
13,578
15,108
16,993
18,288
19,648
21,064
21,064
Total Equity
6.05
1.57
1.62
1.97
1.74
1.82
1.77
2.49
1.61
0.66
1.89
2.07
1.74
1.33
1.39
1.81
2.02
Return on Invested Capital (%)
4.22
9.18
2.28
2.35
8.41
2.02
1.96
2.26
1.57
0.39
0.92
1.61
2.18
1.7
1.85
1.75
1.72
Return on Capital (%)
211.19
109.56
157.71
180.88
190.93
230.85
210.65
208
170.4
58.31
148.17
224.58
269.66
188.6
197.66
189.85
189.85
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
34,687
LT Borrowings
89,986
- -
55,875
LT Finance Leases
234
- -
625
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
54
- -
54
Market Capitalization
9,362
9,316
7,069

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
106,248
- -
7,824
Cash, Cash Equivalents & STI
1,682
- -
1,881
Accounts Receivable, Net
2
- -
5
Inventories
- -
- -
- -
Total Current Liabilities
128
- -
35,263
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
34,687
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.38%
9.2%
7.2%
Free Cash Flow
831.56%
296.03%
1,512.49%
Net Income, GAAP
16.02%
12.15%
-3.49%
Sales/Revenue/Turnover
2.1%
-2.86%
1.44%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,661
2,635
2,598
2,410
10,314
2025
2,591
2,608
2,665
2,683
10,373
2026
2,634
2,662
2,685
2,707
10,522

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.91
5.61
6.62
- -
28.11
2025
7.24
6.78
9.23
6.54
29.79
2026
1.38
9.29
8.11
9.97
28.75

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4.5
2025
- -
- -
- -
- -
4.5
2026
- -
- -
- -
- -
4.5
Similar Companies
Ideal Group of Companies Inc. (IDGR)
Federal Home Loan Mortgage Corporation (FMCKO)
Nationstar Mortgage Holdings Inc. (NSM)
Reliant Financial Service Corp. (RFNS)
Indiabulls Housing Finance Limited (IBULHSGFIN.BO)
Ocwen Financial Corporation (OCN)
Business
GIC Housing Finance Limited (GICHSGFIN.NS), a non-banking financial company registered with the National Housing Bank, primarily provides housing finance services in India, granting loans to individuals and entities engaged in residential construction; its core offerings encompass individual housing loans, composite loans, repair and renovation loans, home extension loans, affordable home loans, balance transfer facilities, loans against property, and commercial loans. The company, founded in 1989 as GIC Grih Vitta Limited and renamed in 1993, maintains headquarters in Mumbai, Maharashtra, and operates through 75 offices nationwide with tie-ups to major builders, targeting salaried and self-employed borrowers across urban and semi-urban segments for home purchases, renovations, weddings, education, and medical needs. Promoted by General Insurance Corporation of India and its subsidiaries, GICHFL emphasizes customer-friendly lending with features like low EMIs, step-up repayment options, and loan tracking. Recent developments include a January 2025 partnership with India Mortgage Guarantee Corporation to launch mortgage guarantee-backed home loans enhancing affordability for low- and middle-income groups; a March 2025 strategic alliance with Canara HSBC Life Insurance for credit life protection on home loans; and a November 2025 fundraising of Rs 175 crore via non-convertible debentures to bolster operations.