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GIC Housing Finance Limited

GIC Housing Finance Limited

125.53
INR
-1.13
(-0.89%)
29.23EPS
5.22P/E
8.21BMarket Cap
Nov 18Next Earn
GIC Housing Finance Limited
NSE:GICHSGFIN
(National Stock Exchange of India)

Recent

price

125.53

P/E

ratio

5.22

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
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
198.74
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
29.23
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
86.59
92.33
102.27
113.36
122.63
135.89
175.41
207.68
232.86
234.55
252.14
280.54
315.56
339.61
364.87
391.15
- -
Book Value per Share
86.54
91.93
101.95
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
- -
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
10,706
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
20.56
Operating Margin (%)
7
8
21
21
35
8
7
6
7
61
45
87
99
150
150
110
122
Depreciation Expense
1,138
590
850
976
1,030
1,245
1,477
2,056
1,718
456
1,056
1,735
2,133
1,514
1,604
1,548
1,575
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
20.17
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
14.71
Profit Margin (%)
- -
-2,865
-6,896
-7,291
-11,452
-11,511
-13,685
-18,186
-23,404
-20,142
-23,364
-21,230
-26,602
-22,951
-22,129
-27,439
- -
Working Capital
23,604
28,310
30,020
36,301
43,591
55,108
64,366
76,512
87,430
91,557
82,221
71,723
56,629
55,573
56,439
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
19,649
21,064
- -
Total Equity
6.05
1.64
1.97
1.99
1.75
1.76
1.77
2.04
1.42
0.34
0.82
1.41
1.72
1.31
1.41
1.31
- -
Return on Invested Capital (%)
3.71
8.09
2.03
2.1
7.58
1.83
1.78
2.05
1.43
0.36
0.83
1.43
1.89
1.43
1.53
1.44
- -
Return on Capital (%)
26.66
12.26
16.23
16.8
16.2
17.89
17.62
19.94
14.48
3.62
8.06
12.1
13.29
8.58
8.46
7.61
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
34,687
- -
LT Borrowings
- -
55,875
- -
LT Finance Leases
- -
625
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
54
54
54
Market Capitalization
9,320
7,071
8,210

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
7,824
- -
Cash, Cash Equivalents & STI
- -
1,881
- -
Accounts Receivable, Net
- -
5
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
35,263
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
34,687
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

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

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
2,591
2,608
2,665
2,683
10,373
2026
2,634
2,662
2,685
2,707
10,522
2027
2,653
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
7.24
6.78
9.23
6.54
29.79
2026
1.38
9.29
8.11
9.97
28.75
2027
1.87
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
4.5
2026
- -
- -
- -
- -
4.5
2027
- -
- -
- -
- -
- -
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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.