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GIC Housing Finance
Small Cap•335 Employees•IPO 1994
Current Price
₹138.18
-3.8 (-2.68%)Updated
Today's Range
137.3
₹138.18
143.33
52 Week Range
52W Low₹141.12
52W High₹206.00
₹138.18
Downside-2.08%
Upside49.08%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹867 Cr
Market Cap
Total market value of companyP/E Ratio
6.06
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.47
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹26.44
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
4.30%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
8.66%
ROCE
Return on Capital Employed. >15% is goodNet Margin
13.21%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
28.68%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-2.86%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-3.13%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-81.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
4.45
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹364.87
Book Value
Net asset value per shareDividend Yield
2.81%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
42.40%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
3 points- •GIC Housing Finance exhibits a low Price-to-Earnings ratio of 7.00, suggesting potential undervaluation compared to its earnings. This, combined with a healthy 8.68% Return on Equity (ROE), points to efficient capital use and strong profitability.
- •The company demonstrates a high operating profit margin (OPM) of 80.50%, showcasing exceptional operational efficiency and robust pricing power within its sector. This is further supported by a strong Price-to-Book ratio of 0.49, indicating possible undervaluation.
Weaknesses
4 points- •GIC Housing Finance's substantial debt-to-equity ratio of 4.45 indicates high financial leverage, increasing its vulnerability to financial risks, especially during economic downturns or interest rate increases.
- •A significant decline in quarterly profit by -81.00% and sales by -3.13% raises concerns about the sustainability of its profitability and revenue generation. This trend requires close monitoring.
Opportunities
3 points- •The broader housing finance sector is poised for growth, driven by increasing urbanization, government support for affordable housing, and rising disposable incomes, which could boost demand for home loans.
- •An increase in FII holding to 2.67% in the latest period indicates growing institutional investor interest, potentially signaling future positive sentiment and attracting more capital into the company.
Threats
3 points- •The housing finance sector is highly competitive, with larger players like LIC Housing Finance and Bajaj Housing exhibiting stronger quarterly growth, potentially eroding GICHSGFIN's market share and profitability.
- •Rising interest rates could increase borrowing costs and reduce loan demand, impacting margins. Additionally, adverse changes in housing finance regulations or lending policies pose significant operational risks.
Segment-wise Financial Analysis
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Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹153.97 | +₹15.79 | +11.42% |
| R3 | ₹147.94 | +₹9.76 | +7.06% |
| R2 | ₹145.63 | +₹7.45 | +5.39% |
| R1 | ₹141.91 | +₹3.73 | +2.70% |
| PIVOT | ₹139.60 | 1.42 | 1.03% |
| CURRENT | ₹138.18 | - | - |
| S1 | ₹123.82 | -₹14.36 | -10.39% |
| S2 | ₹129.85 | -₹8.33 | -6.03% |
| S3 | ₹133.57 | -₹4.61 | -3.33% |
| S4 | ₹135.88 | -₹2.30 | -1.67% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+78.6% vs avg
1.31L
(13 Mar 2026)Delivery %+1.4% vs avg
58.1%
(13 Mar 2026)Avg Volume (20D)20-day average
0.73L
(13 Feb - 13 Mar)Avg Delivery %Trend ↑
56.7%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
Aptus Value Housing Finance India Ltd
2.03 %
Peer Comparison
| Company Name |
|---|
 AAVAS Financiers Ltd |
 Aptus Value Housing Finance India Ltd |
 Bajaj Housing Finance Ltd |
 Can Fin Homes Ltd |
 Home First Finance Company India Ltd |
 India Shelter Finance Corporation Ltd |
 Reliance Home Finance Ltd |
 Sammaan Capital Ltd |
About
GIC Housing Finance Ltd
GIC Housing Finance Limited (GICHSGFIN) is an Indian financial services company specializing in housing finance. Its core business revolves around providing a range of loan products designed to meet diverse housing needs across the Indian market. The company's primary focus is on facilitating homeownership for individuals and supporting the construction sector through loans extended to builders of residential properties.
A significant portion of GICHSGFIN's business involves offering various types of home loans. These encompass individual housing loans tailored to individual borrowers, as well as composite loans that may combine several financing aspects. In addition, the company caters to customers needing funds for home repairs, renovations, and extensions. The company also offers balance transfer services, allowing customers to consolidate existing home loans under more favorable terms offered by GICHSGFIN.
Beyond its focus on housing finance, GICHSGFIN also extends its lending services to other areas. This includes providing loans secured against existing housing properties. The company also participates in the commercial lending market, though the details of this segment are not extensively described in the provided information. This diversification allows the company to broaden its revenue streams and mitigate risks associated with reliance on a single market segment.
Established in 1989 and headquartered in Mumbai, India, GICHSGFIN has a history spanning several decades in the Indian housing finance sector. The company's long-standing presence suggests a level of experience and established processes within the industry. The name change to GIC Housing Finance Limited in 1993 marks a milestone in the company's evolution and branding. Overall, GICHSGFIN plays a notable role in providing access to housing finance for individuals and builders within the Indian economy.
COMPANY FACTS - GICHSGFIN
Registered Address
Insurance Building 6th floor, 14, Jamshedji Tata Road, Churchgate
Mumbai
MAHARASHTRA
IN
Tel: 912243041900
Website:https://www.gichfindia.com/
Investor Relations:http://www.gichfindia.com/Annual%20Reports.php
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 335
IPO Date: 19/12/1994
MANAGEMENT - GICHSGFIN
Shri. Ramaswamy Narayanan
Non-Executive Chairman of the Board
Smt. Varsha Godbole
Chief Financial Officer, Senior Vice President
Shri. T Mariraja
Senior Vice President, Head of HR & Operations
Shri. Sajid Munshi
Senior Vice President (Collections Head)
Shri. S. A. Rama Murthy
Senior Vice President (Credit & Operations Head)
Mr. Premraj Avasthi
Chief Information Officer
Mr. Bhavik Dedhia
Chief Information Security Officer
Smt. Nutan Singh
Compliance Officer, Group Head & Company Secretary
Shri. Vishal Kasliwal
Chief Risk Officer
Shri. Anjan Dey
Additional Non-Executive Director
Smt. Suchita Gupta
Additional Non-Executive Director
Shri. Hitesh Joshi
Non-Executive Director
Investor Questions Answered
GIC Housing Finance Ltd (GICHSGFIN) Stock FAQs
Get answers to the most common questions about GIC Housing Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of GIC Housing Finance Ltd (GICHSGFIN) is ₹138.18. Today, the stock has declined by ₹3.80 (2.68%), trading in a range of ₹137.3 to ₹143.33. The stock opened at ₹141.98 with a trading volume of 80,834 shares.
GIC Housing Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹867 crores, P/E ratio of 6.06, ROE of 4.30%, and ROCE of 8.66%. The dividend yield stands at 2.81%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of GIC Housing Finance Ltd (GICHSGFIN) is ₹206, while the 52-week low is ₹141.12. Currently trading at ₹138.18, the stock is -4.5% away from its 52-week low and 32.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy GIC Housing Finance Ltd stock at ₹138.18 depends on multiple factors. The stock is currently trading with a P/E ratio of 6.06 and P/B ratio of N/A. Today's performance shows a loss of 2.68%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
GIC Housing Finance Ltd offers a dividend yield of 2.81%, which means for every ₹100 invested at the current price of ₹138.18, you can expect to receive approximately ₹2.81 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
GIC Housing Finance Ltd's key financial metrics include: P/E Ratio: 6.06, P/B Ratio: N/A, ROE: 4.30%, ROCE: 8.66%, Dividend Yield: 2.81%, EPS: ₹26.44, Book Value: ₹364.87, Debt-to-Equity: 4.45, and Current Ratio: N/A. The company's market cap stands at ₹867 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
GIC Housing Finance Ltd stock opened at ₹141.98 and is currently trading at ₹138.18, showing a decline of ₹3.80 (2.68%). The intraday high is ₹143.33 and low is ₹137.3. The trading volume stands at 80,834 shares, indicating moderate market participation today.
GIC Housing Finance Ltd has a Price-to-Earnings (P/E) ratio of 6.06, which means investors are willing to pay ₹6.06 for every ₹1 of earnings. With an EPS of ₹26.44, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
GIC Housing Finance Ltd has a market capitalization of ₹867 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹138.18) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
GIC Housing Finance Ltd has a book value of ₹364.87 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹138.18, which is 62.1% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
GIC Housing Finance Ltd has a Return on Equity (ROE) of 4.30% and Return on Capital Employed (ROCE) of 8.66%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
GIC Housing Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
GIC Housing Finance Ltd has a debt-to-equity ratio of 4.45, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
GIC Housing Finance Ltd has an Earnings Per Share (EPS) of ₹26.44, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹138.18 and P/E ratio of 6.06, investors are paying 6.06 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
GIC Housing Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
GIC Housing Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze GIC Housing Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (6.06), ROE (4.30%), debt-to-equity (4.45), and growth rates. 2) Technical Analysis - Check 52-week range (₹141.12 - ₹206.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹138.18) with book value (₹364.87) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of GIC Housing Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹138.18 is 1282x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in GIC Housing Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹141.12 - ₹206.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 4.45 indicates leverage. 4) Liquidity Risk - Based on trading volume of 80,834 shares. 5) Valuation Risk - P/E of 6.06 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
GIC Housing Finance Ltd operates in the industry with key metrics: P/E ratio of 6.06, ROE of 4.30%, market cap of ₹867 crores, and dividend yield of 2.81%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 4.45), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for GIC Housing Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹138.18, with a 52-week range of ₹141.12 to ₹206.00. Based on fundamentals like P/E (6.06), ROE (4.30%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling GIC Housing Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹138.18. 2) Fundamental Deterioration - Declining ROE (currently 4.30%), increasing debt (D/E: 4.45), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for GIC Housing Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 2.81%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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