Sharescart Research Club logo ×
Screener Research Unlisted Startup Funding New IPO New

  • Home
  • /
  • Gic Housing Fin
Join Channel
Consolidated Standalone

GIC Housing Fin

₹210.5 5.8 | 2.8%

Market Cap ₹1134 Cr.

Stock P/E 7.6

P/B 0.6

Current Price ₹210.5

Book Value ₹ 329.3

Face Value 10

52W High ₹292.5

Dividend Yield 2.14%

52W Low ₹ 164.6

Edit Ratio

GIC Housing Fin Research see more...

Overview Inc. Year: 1989Industry: Finance - Housing

GIC Housing Finance Ltd. is engaged inside the housing finance enterprise. The Company's primary commercial enterprise is granting housing loans to individual and to entities/persons engaged in construction of houses or flats for residential purposes. The Company has about 60 branches.

Read More..

GIC Housing Fin Share Price

New

₹ | |

Volume
Price

Quarterly Price

Quarterly Monthly
Show Value Show %

Peer Comparison

GIC Housing Fin Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 298 292 288 274 279 281 281 268 268 261
Other Income 2 1 2 2 2 3 6 3 3 2
Total Income 300 293 290 276 281 284 287 271 270 263
Total Expenditure 61 20 48 53 30 16 28 42 47 41
Operating Profit 239 273 242 224 251 268 259 229 224 222
Interest Expense 179 172 166 170 176 178 178 183 179 176
Depreciation 1 3 3 2 2 2 3 4 4 4
Profit Before Tax 58 98 73 51 73 88 78 42 41 42
Provision for Tax 13 21 24 12 17 23 25 10 10 7
Profit After Tax 45 77 49 39 56 65 52 32 30 36
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 45 77 49 39 56 65 52 32 30 36
Adjusted Earnings Per Share 8.4 14.2 9.1 7.3 10.5 12.2 9.7 5.9 5.6 6.6

GIC Housing Fin Profit & Loss

#(Fig in Cr.) Mar 2022 Mar 2023 TTM
Operating Revenue 1150 1115 1078
Other Income 7 159 14
Total Income 1156 1274 1091
Total Expenditure 216 271 158
Operating Profit 941 1003 934
Interest Expense 702 703 716
Depreciation 9 10 15
Profit Before Tax 230 290 203
Provision for Tax 57 77 52
Profit After Tax 174 213 150
Adjustments 0 0 0
Profit After Adjustments 174 213 150
Adjusted Earnings Per Share 32.2 39.6 27.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -3% 0% 0% 0%
Operating Profit CAGR 7% 0% 0% 0%
PAT CAGR 22% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 20% 21% -2% 6%
ROE Average 13% 12% 12% 12%
ROCE Average 9% 8% 8% 8%

GIC Housing Fin Balance Sheet

#(Fig in Cr.) Mar 2022 Mar 2023
Shareholder's Funds 1511 1699
Minority's Interest 0 0
Borrowings 9804 8795
Current Liability 602 410
Other Liabilities & Provisions -115 -69
Total Liabilities 11802 10835
Loans 11198 10321
Investments 14 74
Fixed Assets 21 52
Other Loans 11 44
Other Non Current Assets 30 10
Current Assets 495 258
Total Assets 11802 10835

GIC Housing Fin Cash Flow

#(Fig in Cr.) Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 87 478
Cash Flow from Operating Activities 1286 1043
Cash Flow from Investing Activities -3 -213
Cash Flow from Financing Activities -892 -1238
Net Cash Inflow / Outflow 391 -408
Closing Cash & Cash Equivalent 478 70

GIC Housing Fin Ratios

# Mar 2022 Mar 2023
Earnings Per Share (Rs) 32.22 39.6
CEPS(Rs) 33.84 41.45
DPS(Rs) 4.5 4.5
Book NAV/Share(Rs) 280.54 315.56
Net Profit Margin 15.09 19.13
Operating Margin 81.05 89.05
PBT Margin 20.03 26
ROA(%) 1.47 1.88
ROE(%) 11.49 13.29
ROCE(%) 7.86 8.75
Price/Earnings(x) 4.07 3.91
Price/Book(x) 0.47 0.49
Dividend Yield(%) 3.44 2.91
EV/Net Sales(x) 9.19 8.87
EV/Core EBITDA(x) 11.24 9.86
Interest Earned Growth(%) 0 -3.03
Net Profit Growth 0 22.9
EPS Growth(%) 0 22.9
Interest Coverage(x) % 1.33 1.41

GIC Housing Fin Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 42.41 42.41 42.41 42.41 42.41 42.41 42.41 42.41 42.41 42.41
FII 1.35 1.41 1.78 1.85 2.33 2.22 2.04 3.62 3.28 3.18
DII 6.34 6.34 6.34 6.34 6.34 6.34 6.34 6.34 5.89 5.89
Public 49.9 49.84 49.48 49.4 48.93 49.04 49.22 47.64 48.42 48.52
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.6 times its book value
  • Company has reduced debt.

Cons

  • Promoter holding is low: 42.41%.
  • Company has a low return on equity of 12% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

GIC Housing Fin News

Top Unlisted Companies & InstaBuy Companies

Sell or Purchase Share (Tentative Price)

IPO

Companies Open Date Close Date Issue Price Cost of 1 Lot GMP Expected Listing Listing Gain(%) Listing Price Current Price Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot GMP Expected Listing Listing Gain(%) Listing Price Current Price Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot GMP Expected Listing Listing Gain(%) Listing Price Current Price Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot GMP Expected Listing Listing Gain(%) Listing Price Current Price Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot GMP Expected Listing Listing Gain(%) Listing Price Current Price Type Exchange

View more.....

You May Also Know About

Unlisted Shares Pre-IPO Shares ESOP Shares Delisted Shares

Please Login!

Click to Login
OR
Get free Account

Error!