GIC HOUSING FINANCE Latest Share Price (GICHSGFIN)
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GICHSGFIN rose 2.5% on light volume, outperforming Nifty's 0.3% move.
With a market cap of ₹753.91 Cr., it trades at a P/E of 4.80. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
GIC HOUSING FINANCE flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 52.4% YoY
- ●Healthy Operating MarginsOPM is structurally strong at 78.2%
- ●Reasonable ValuationTrading at a moderate P/E of 5.6x
- ●Steady Dividend YieldReliable 3.21% dividend yield
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Poor Capital ReturnsLow ROE of 7.3%
- ●Rising Receivables vs SalesReceivables grew 69.3% outpacing sales growth of 2.1%
Latest GIC HOUSING FINANCE News
What changed recently?
Recent events, corporate actions, and announcements.
GIC HOUSING FINANCE valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for GIC HOUSING FINANCE, framed against the sector median so the premium or discount is obvious at a glance.
GIC HOUSING FINANCE trades at a P/E of 4.80× and P/B of 0.36×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
GIC HOUSING FINANCE technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for GIC HOUSING FINANCE — derived from the latest tape, not yesterday's close.
GIC HOUSING FINANCE last traded at ₹139.35 with an intraday range of ₹135.62–₹141 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹139.35| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 152.45 | +13.10 | +9.40% |
| R3 | 147.07 | +7.72 | +5.54% |
| R2 | 144.04 | +4.69 | +3.36% |
| R1 | 141.69 | +2.34 | +1.68% |
| PIVOT | 138.66 | -0.69 | -0.50% |
| CURRENT | 139.35 | — | — |
| S1 | 136.31 | -3.04 | -2.18% |
| S2 | 133.28 | -6.07 | -4.36% |
| S3 | 130.93 | -8.42 | -6.04% |
| S4 | 125.55 | -13.80 | -9.90% |
GICHSGFIN is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: ₹136.3–₹136.8
Trading Above opening range, showing Bullishness
GIC HOUSING FINANCE financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for GIC HOUSING FINANCE — consolidated or standalone — with margins, YoY growth and key ratios inline.
GIC HOUSING FINANCE reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹753.91 Cr. and reported EPS of ₹1.87.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 1,049 | 1,063 ▲ 1.3% |
| 10 | 1 ▼ 89.4% | |
| Total Income | 1,089 | 1,083 ▼ 0.5% |
| Net Interest Income (NII)Derived | 1,049 | 1,063 ▲ 1.3% |
| Profit Before Tax (PBT) | 207 | 159 ▼ 23.0% |
| 46 | 4 ▼ 90.5% | |
| Effective Tax %Derived | 22.39% | 2.76% |
| Total Profit for Period | 160 | 155 ▼ 3.5% |
| Net Profit (Owner's PAT)Derived | 160 | 155 ▼ 3.5% |
| PAT Growth YoY %Derived | 5.99% | -3.49% |
| Earnings Per Share (EPS ₹) | 29.79 | 28.75 ▼ 3.5% |
| Diluted Shares Outstanding (Cr) | 5 | 5 ▲ 0.0% |
| Other Comprehensive Income (Net of Tax) | -0 | 11 ▲ 6194.4% |
| Dividend Income | 0 | 0 ▲ 0.0% |
| Impairment On Financial Instruments | 17 | 69 ▲ 314.8% |
| Net Loss Amortised Derecognition | 0 | 1 ▲ 322.6% |
| Other Revenue From Operations | 24 | 13 ▼ 44.2% |
| Period | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|
| Interest Earned | 1,135 | 1,099 ▼ 3.2% | 1,043 ▼ 5.1% | 1,049 ▲ 0.6% | 1,063 ▲ 1.3% | |
7 | 14 ▲ 111.5% | 13 ▼ 10.6% | 10 ▼ 19.9% | 1 ▼ 89.4% | ||
| Total Income | 1,156 | 1,129 ▼ 2.4% | 1,070 ▼ 5.2% | 1,089 ▲ 1.8% | 1,083 ▼ 0.5% | |
| Net Interest Income (NII)Derived | 1,135 | 1,099 ▼ 3.2% | 1,043 ▼ 5.1% | 1,049 ▲ 0.6% | 1,063 ▲ 1.3% | |
| Profit Before Tax (PBT) | 230 | 290 ▲ 25.8% | 204 ▼ 29.6% | 207 ▲ 1.2% | 159 ▼ 23.0% | |
57 | 77 ▲ 34.8% | 53 ▼ 31.1% | 46 ▼ 12.4% | 4 ▼ 90.5% | ||
| Effective Tax %Derived | 24.67% | 26.43% | 25.87% | 22.39% | 2.76% | |
| Total Profit for Period | 174 | 213 ▲ 22.9% | 151 ▼ 29.0% | 160 ▲ 6.0% | 155 ▼ 3.5% | |
| Net Profit (Owner's PAT)Derived | 174 | 213 ▲ 22.9% | 151 ▼ 29.0% | 160 ▲ 6.0% | 155 ▼ 3.5% | |
| PAT Growth YoY %Derived | — | 22.90% | -29.03% | 5.99% | -3.49% | |
| Earnings Per Share (EPS ₹) | 32.22 | 39.60 ▲ 22.9% | 28.11 ▼ 29.0% | 29.79 ▲ 6.0% | 28.75 ▼ 3.5% | |
| Diluted Shares Outstanding (Cr) | 5 | 5 ▲ 0.0% | 5 ▲ 0.0% | 5 ▲ 0.0% | 5 ▲ 0.0% | |
| Other Comprehensive Income (Net of Tax) | 1 | -0 ▼ 149.5% | 2 ▲ 602.1% | -0 ▼ 107.5% | 11 ▲ 6194.4% | |
| Dividend Income | 0 | 0 ▲ 0.0% | 0 ▲ 0.0% | 0 ▲ 15.4% | 0 ▲ 0.0% | |
| Impairment On Financial Instruments | 118 | 17 ▼ 85.3% | 18 ▲ 4.5% | 17 ▼ 9.3% | 69 ▲ 314.8% | |
| Net Loss Amortised Derecognition | 1 | 0 ▼ 74.1% | 0 ▲ 0.0% | 0 ▲ 106.7% | 1 ▲ 322.6% | |
| Other Revenue From Operations | 9 | 11 ▲ 19.9% | 9 ▼ 15.7% | 24 ▲ 162.4% | 13 ▼ 44.2% |
GIC HOUSING FINANCE segment analysis : revenue and profit mix.
Disclosed business segments at GIC HOUSING FINANCE with their share of revenue and profit, switchable between consolidated and standalone reporting.
GIC HOUSING FINANCE discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for GIC HOUSING FINANCE.
Our AI distills the core fundamental drivers supporting GIC HOUSING FINANCE, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
GIC HOUSING FINANCE's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Low P/E of 5.57x signals attractive valuation relative to earnings multiples
Operating margin of 21.32% demonstrates strong pricing power in housing finance
Dividend yield of 5.97% offers solid income returns for yield-seeking investors
Promoter holding of 42.41% indicates insider confidence and governance stability
Latest quarterly EPS grew 52.5% YoY despite near-term operational challenges
Key Risks.
Operating cash flow turned negative ₹-1,004.3 Cr in Q3 2025, indicating liquidity stress
ROE of 7.35% and ROCE of 8.96% lag peer benchmarks, suggesting poor capital efficiency
Cash flow per share of ₹-59.44 annually reflects deteriorating cash generation ability
Latest quarterly profit fell 81% YoY, signaling severe earnings volatility and stress
Net debt of ₹88,536.9 Cr masks extreme leverage despite low reported D/E ratio
Flip Conditions.
Valuation risk. a P/E above 6 would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
GIC HOUSING FINANCE peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — GIC HOUSING FINANCE is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
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GIC HOUSING FINANCE chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for GIC HOUSING FINANCE — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
GIC HOUSING FINANCE delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for GIC HOUSING FINANCE over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in GIC HOUSING FINANCE stood at 66.8% of traded volume, against a 20-day average of 59.0%.
GIC HOUSING FINANCE announcements: results, concalls, ratings, M&A.
Filings GIC HOUSING FINANCE sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
GIC HOUSING FINANCE files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 123 documents below.
Credit Rating
GIC Housing Finance Limited has informed the Exchange about Credit Rating
Copy of Newspaper Publication
GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication
Shareholders meeting
GIC Housing Finance Limited has informed the Exchange regarding Notice of Postal Ballot
Updates
GIC Housing Finance Limited has informed the Exchange regarding 'Intimation of Payment of Interest for NCD having Scrip Code 976944(Listed on BSE)'.
Copy of Newspaper Publication
GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication
Investor decks & rating reports.
GIC HOUSING FINANCE dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue GIC HOUSING FINANCE has declared, sequenced by announce and record date.
GIC HOUSING FINANCE corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About GIC HOUSING FINANCE: business, sector, key facts.
What GIC HOUSING FINANCE does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
GIC HOUSING FINANCE operates in the Housing Finance Company industry under the Financial Services sector, listed as NSE: GICHSGFIN, BSE: 511676.
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.
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Questions investors ask about GIC HOUSING FINANCE (GICHSGFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of GIC HOUSING FINANCE (GICHSGFIN)?
The current share price of GIC HOUSING FINANCE (GICHSGFIN) is ₹139.35. Today, the stock has gained by ₹3.38 (2.49%), trading in a range of ₹135.62 to ₹141.00. The stock opened at ₹136.30 with a trading volume of 89,007 shares.
02Is GIC HOUSING FINANCE stock a good investment for long-term?
GIC HOUSING FINANCE can be considered for long-term investment based on several factors. The company has a market capitalization of ₹753.91 Cr., P/E ratio of 4.8, ROE of 7.34%, and ROCE of 7.8%. The dividend yield stands at 3.21%. 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.
03What is the 52-week high and low price of GIC HOUSING FINANCE stock?
The 52-week high price of GIC HOUSING FINANCE (GICHSGFIN) is ₹184.00, while the 52-week low is ₹130.05. Currently trading at ₹139.35, the stock is 7.15% above its 52-week low and 24.27% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy GIC HOUSING FINANCE stock at the current price?
Whether to buy GIC HOUSING FINANCE stock at ₹139.35 depends on multiple factors. The stock is currently trading with a P/E ratio of 4.8 and P/B ratio of 0.36. Today's performance shows a gain of 2.49%. 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.
05What is the dividend yield of GIC HOUSING FINANCE and when is the next dividend?
GIC HOUSING FINANCE offers a dividend yield of 3.21%, which means for every ₹100 invested at the current price of ₹139.35, you can expect to receive approximately ₹3.21 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.
06What are the key financial ratios and metrics of GIC HOUSING FINANCE?
GIC HOUSING FINANCE's key financial metrics include: P/E Ratio: 4.8, P/B Ratio: 0.36, ROE: 7.34%, ROCE: 7.8%, Dividend Yield: 3.21%, EPS: ₹1.87, Book Value: ₹391.15, and Debt-to-Equity: 3.38. The company's market cap stands at ₹753.91 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is GIC HOUSING FINANCE stock performing today in the market?
GIC HOUSING FINANCE stock opened at ₹136.30 and is currently trading at ₹139.35, showing a gain of ₹3.38 (2.49%). The intraday high is ₹141.00 and low is ₹135.62. The trading volume stands at 89,007 shares, indicating moderate market participation today.
08What is the P/E ratio of GIC HOUSING FINANCE and what does it indicate?
GIC HOUSING FINANCE has a Price-to-Earnings (P/E) ratio of 4.8, which means investors are willing to pay 4.80 for every ₹1 of earnings. With an EPS of ₹1.87, 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.
The data, ratios and commentary about GIC HOUSING FINANCE (GICHSGFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.