WEBSITE BSE:511676 NSE: GIC HOUSING Inc. Year: 1989 Industry: Finance - Housing My Bucket: Add Stock
Last updated: 15:54
No Notes Added Yet
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.
Our experts help you choose the right stocks based on performance, risk, and growth potential.
Market Cap ₹816 Cr.
Stock P/E 5.1
P/B 0.4
Current Price ₹151.5
Book Value ₹ 379.2
Face Value 10
52W High ₹206
Dividend Yield 2.97%
52W Low ₹ 130.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 273 |
| Other Income | 3 | 2 | 6 | 3 | 2 | 1 | 4 | 0 | 0 | 0 |
| Total Income | 270 | 263 | 266 | 277 | 266 | 270 | 276 | 265 | 272 | 273 |
| Total Expenditure | 47 | 41 | 10 | 53 | 37 | 31 | 30 | 110 | 35 | 42 |
| Operating Profit | 224 | 222 | 255 | 225 | 228 | 239 | 246 | 155 | 237 | 231 |
| Interest Expense | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 |
| Depreciation | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 |
| Profit Before Tax | 41 | 42 | 79 | 47 | 48 | 56 | 56 | -20 | 61 | 55 |
| Provision for Tax | 10 | 7 | 26 | 8 | 11 | 7 | 20 | -28 | 11 | 11 |
| Profit After Tax | 30 | 36 | 54 | 39 | 37 | 50 | 35 | 7 | 50 | 44 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 30 | 36 | 54 | 39 | 37 | 50 | 35 | 7 | 50 | 44 |
| Adjusted Earnings Per Share | 5.6 | 6.6 | 10 | 7.2 | 6.8 | 9.2 | 6.5 | 1.4 | 9.3 | 8.1 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|
| Operating Revenue | 1150 | 1115 | 1057 | 1079 | 1082 |
| Other Income | 7 | 159 | 13 | 10 | 4 |
| Total Income | 1156 | 1274 | 1070 | 1089 | 1086 |
| Total Expenditure | 216 | 271 | 140 | 151 | 217 |
| Operating Profit | 941 | 1003 | 930 | 938 | 869 |
| Interest Expense | 702 | 703 | 711 | 703 | 693 |
| Depreciation | 9 | 10 | 15 | 15 | 13 |
| Profit Before Tax | 230 | 290 | 204 | 207 | 152 |
| Provision for Tax | 57 | 77 | 53 | 46 | 14 |
| Profit After Tax | 174 | 213 | 151 | 160 | 136 |
| Adjustments | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 174 | 213 | 151 | 160 | 136 |
| Adjusted Earnings Per Share | 32.2 | 39.6 | 28.1 | 29.8 | 25.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 2% | -2% | 0% | 0% |
| Operating Profit CAGR | 1% | -0% | 0% | 0% |
| PAT CAGR | 6% | -3% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -13% | -3% | 6% | -5% |
| ROE Average | 8% | 10% | 10% | 10% |
| ROCE Average | 9% | 9% | 8% | 8% |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Shareholder's Funds | 1511 | 1699 | 1829 | 1965 |
| Minority's Interest | 0 | 0 | 0 | 0 |
| Borrowings | 9804 | 8795 | 5543 | 5627 |
| Current Liability | 602 | 410 | 3073 | 3152 |
| Other Liabilities & Provisions | -115 | -69 | -48 | -41 |
| Total Liabilities | 11802 | 10835 | 10396 | 10703 |
| Loans | 11198 | 10321 | 9985 | 10212 |
| Investments | 14 | 74 | 85 | 55 |
| Fixed Assets | 21 | 52 | 44 | 27 |
| Other Loans | 11 | 44 | 40 | 12 |
| Other Non Current Assets | 30 | 10 | 17 | 20 |
| Current Assets | 495 | 258 | 126 | 259 |
| Total Assets | 11802 | 10835 | 10396 | 10703 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 87 | 478 | 70 | 36 |
| Cash Flow from Operating Activities | 1286 | 1043 | 522 | -18 |
| Cash Flow from Investing Activities | -3 | -213 | 64 | -87 |
| Cash Flow from Financing Activities | -892 | -1238 | -619 | 122 |
| Net Cash Inflow / Outflow | 391 | -408 | -34 | 18 |
| Closing Cash & Cash Equivalent | 478 | 70 | 36 | 54 |
| # | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Earnings Per Share (Rs) | 32.22 | 39.6 | 28.11 | 29.79 |
| CEPS(Rs) | 33.84 | 41.45 | 30.9 | 32.58 |
| DPS(Rs) | 4.5 | 4.5 | 4.5 | 4.5 |
| Book NAV/Share(Rs) | 280.54 | 315.56 | 339.61 | 364.87 |
| Net Profit Margin | 15.09 | 19.13 | 14.32 | 14.87 |
| Operating Margin | 81.05 | 89.05 | 86.54 | 84.34 |
| PBT Margin | 20.03 | 26 | 19.31 | 19.16 |
| ROA(%) | 1.47 | 1.88 | 1.43 | 1.52 |
| ROE(%) | 11.49 | 13.29 | 8.58 | 8.46 |
| ROCE(%) | 7.86 | 8.75 | 8.62 | 8.63 |
| Price/Earnings(x) | 4.07 | 3.91 | 7.17 | 5.63 |
| Price/Book(x) | 0.47 | 0.49 | 0.59 | 0.46 |
| Dividend Yield(%) | 3.44 | 2.91 | 2.23 | 2.68 |
| EV/Net Sales(x) | 9.19 | 8.87 | 9.09 | 8.87 |
| EV/Core EBITDA(x) | 11.24 | 9.86 | 10.33 | 10.2 |
| Interest Earned Growth(%) | 0 | -3.03 | -5.18 | 2.06 |
| Net Profit Growth | 0 | 22.9 | -29.03 | 5.99 |
| EPS Growth(%) | 0 | 22.9 | -29.03 | 5.99 |
| Interest Coverage(x) % | 1.33 | 1.41 | 1.29 | 1.29 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 |
| FII | 3.28 | 3.18 | 2.64 | 2.91 | 2.45 | 2.18 | 2.68 | 2.15 | 2.08 | 1.81 |
| DII | 5.89 | 5.89 | 5.89 | 5.89 | 5.89 | 5.89 | 5.51 | 5.51 | 5.05 | 4.59 |
| Public | 48.42 | 48.52 | 49.06 | 48.79 | 49.25 | 49.51 | 49.4 | 49.93 | 50.46 | 51.19 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 |
| FII | 0.18 | 0.17 | 0.14 | 0.16 | 0.13 | 0.12 | 0.14 | 0.12 | 0.11 | 0.1 |
| DII | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 | 0.32 | 0.3 | 0.3 | 0.27 | 0.25 |
| Public | 2.61 | 2.61 | 2.64 | 2.63 | 2.65 | 2.67 | 2.66 | 2.69 | 2.72 | 2.76 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 5.39 | 5.39 | 5.39 | 5.39 | 5.39 | 5.39 | 5.39 | 5.39 | 5.39 | 5.39 |
* The pros and cons are machine generated.
You May Also Know About
Looking to buy unlisted shares or need guidance on the investment process? Our expert Private Equity Advisors are here to assist you with accurate information, real-time pricing, and seamless execution.
Want to sell unlisted shares, liquidate your ESOPs, or understand the step-by-step process of liquidation? Connect with our Buying Team for smooth coordination, quick evaluations, and end-to-end support.
Planning to build or grow your portfolio? For Mutual Fund investments, PMS solutions, tailored portfolio creation, and overall wealth management, our dedicated Wealth Team is ready to guide you.
ChatGPT
Claude
Perplexity
