Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Interest | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| Expenses | 47 | 41 | 10 | 53 | 37 | 32 | 30 | 110 | 35 | 42 | 39 | 73 |
| Financing Profit | 42 | 44 | 77 | 47 | 50 | 59 | 68 | -18 | 64 | 58 | 65 | 21 |
| Financing Margin % | 16% | 17% | 30% | 17% | 19% | 22% | 25% | -7% | 23% | 21% | 24% | 8% |
| Other Income | 3 | 2 | 6 | 3 | 2 | 1 | -9 | 0 | 0 | 0 | 1 | 1 |
| Depreciation | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 |
| Profit before tax | 41 | 42 | 79 | 47 | 48 | 56 | 55 | -20 | 61 | 55 | 63 | 18 |
| Tax % | 26% | 16% | 32% | 17% | 23% | 12% | 37% | -136% | 18% | 20% | 15% | 43% |
| Net Profit | 30 | 36 | 54 | 39 | 36 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS in Rs | 5.60 | 6.61 | 9.95 | 7.23 | 6.77 | 9.22 | 6.52 | 1.36 | 9.28 | 8.10 | 9.95 | 1.86 |
| Gross NPA % | 4.59% | 4.59% | 3.88% | 3.98% | 3.78% | 3.47% | 3.03% | 4.74% | 4.52% | 4.24% | 3.96% | 4.49% |
| Net NPA % | 3.08% | 3.01% | 2.69% | 2.56% | 2.43% | 2.22% | 1.96% | 2.14% | 1.99% | 1.80% | 1.61% | 2.04% |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 876 | 1,002 | 1,112 | 1,228 | 1,252 | 1,232 | 1,152 | 1,123 | 1,060 | 1,079 | 1,082 | 1,084 |
| Interest | 601 | 668 | 713 | 866 | 946 | 823 | 702 | 703 | 711 | 703 | 687 | 687 |
| Expenses | 84 | 106 | 124 | 114 | 191 | 277 | 216 | 126 | 140 | 151 | 226 | 189 |
| Financing Profit | 192 | 228 | 275 | 248 | 116 | 131 | 234 | 294 | 209 | 225 | 169 | 208 |
| Financing Margin % | 22% | 23% | 25% | 20% | 9% | 11% | 20% | 26% | 20% | 21% | 16% | 19% |
| Other Income | 0 | 0 | 0 | 0 | 3 | 8 | 5 | 6 | 10 | -3 | 1 | 2 |
| Depreciation | 1 | 1 | 1 | 1 | 6 | 4 | 9 | 10 | 15 | 15 | 11 | 12 |
| Profit before tax | 191 | 227 | 274 | 247 | 112 | 135 | 230 | 290 | 204 | 206 | 159 | 197 |
| Tax % | 35% | 35% | 25% | 30% | 59% | 22% | 25% | 26% | 26% | 22% | 3% | |
| Net Profit | 124 | 148 | 206 | 172 | 46 | 106 | 174 | 213 | 151 | 160 | 154 | 157 |
| EPS in Rs | 23.12 | 27.43 | 38.19 | 31.90 | 8.47 | 19.60 | 32.23 | 39.59 | 28.07 | 29.74 | 28.69 | 29.19 |
| Dividend Payout % | 22% | 18% | 14% | 17% | 24% | 20% | 14% | 11% | 16% | 15% | 16% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 2% | -3% | -1% | 1% | ||
| Compounded Profit Growth | 2% | 8% | -10% | 15% | ||
| Stock Price CAGR | -8% | -2% | -14% | -23% | ||
| Return on Equity | 11% | 10% | 8% | 8% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | 54 |
| Reserves | 606 | 678 | 784 | 1,064 | 1,200 | 1,209 | 1,304 | 1,457 | 1,645 | 1,775 | 1,911 | 2,052 |
| Borrowing | 5,794 | 7,001 | 8,237 | 9,984 | 11,659 | 11,768 | 11,226 | 10,365 | 9,168 | 8,584 | 8,751 | 9,119 |
| Other Liabilities | 266 | 289 | 329 | 44 | 57 | 68 | 57 | 53 | 53 | 57 | 60 | 74 |
| Total Liabilities | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 | 11,298 |
| Fixed Assets | 3 | 2 | 2 | 2 | 3 | 19 | 16 | 21 | 52 | 44 | 27 | 69 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 13 | 29 | 29 | 9 | 10 | 11 | 16 |
| Investments | 10 | 10 | 26 | 13 | 14 | 14 | 14 | 15 | 230 | 169 | 255 | 211 |
| Other Assets | 6,708 | 8,009 | 9,376 | 11,132 | 12,953 | 13,053 | 12,581 | 11,864 | 10,629 | 10,248 | 10,482 | 11,002 |
| Total Assets | 6,721 | 8,021 | 9,404 | 11,147 | 12,969 | 13,099 | 12,641 | 11,929 | 10,920 | 10,470 | 10,775 | 11,298 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -1,103 | -1,167 | -1,178 | -1,721 | -1,645 | 22 | 548 | 1,286 | 1,044 | 522 | -18 | -320 |
| Cash from Investing Activity | 1 | 2 | -16 | 2 | 1 | -11 | -14 | -4 | -213 | 64 | -87 | 52 |
| Cash from Financing Activity | 1,105 | 1,174 | 1,203 | 1,715 | 1,639 | 51 | -558 | -892 | -1,238 | -619 | 122 | 255 |
| Net Cash Flow | 3 | 9 | 10 | -5 | -5 | 62 | -24 | 390 | -407 | -34 | 18 | -14 |
| Free Cash Flow | -1,104 | -1,167 | -1,179 | -1,722 | -1,647 | 8 | 532 | 1,281 | 1,038 | 518 | -20 | -325 |
| CFO/OP | -158% | -140% | -123% | -170% | -140% | 5% | 63% | 145% | 111% | 61% | 3% | -33% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 18% | 19% | 21% | 14% | 4% | 8% | 12% | 13% | 9% | 9% | 8% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% |
| FIIs | 3.62% | 3.28% | 3.18% | 2.64% | 2.91% | 2.46% | 2.18% | 2.67% | 2.16% | 2.08% | 1.81% | 1.40% |
| DIIs | 6.34% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.51% | 5.51% | 5.05% | 4.59% | 2.53% |
| Public | 47.63% | 48.40% | 48.52% | 49.04% | 48.79% | 49.24% | 49.52% | 49.39% | 49.92% | 50.46% | 51.18% | 53.65% |
| No. of Shareholders | 57,443 | 58,599 | 62,410 | 66,668 | 67,589 | 67,790 | 66,517 | 65,375 | 64,226 | 62,585 | 61,368 | 61,754 |
Fundamentals
Market Cap₹ 723 Cr.
Current Price₹ 134
Stock P/E4.60
Book Value₹ 391
ROCE7.71 %
ROE7.59 %
Dividend Yield3.37 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)1%
Compounded Profit Growth (TTM)15%
Standalone figures.
Valuation
Market capRs 716 Cr
Enterprise valueRs 9,790 Cr
P/E (TTM)4.55x
Price to book0.34x
Price to sales0.66x
EV / EBITDA10.93x
EV / EBIT11.08x
EV / sales9.03x
Earnings yield21.97%
Dividend yield3.39%
P/E, 3-year average5.80x
P/B, 3-year average0.46x
P/E, 5-year average5.08x
P/B, 5-year average0.47x
Profitability
Operating margin (excl. other income)79.10%
Operating margin (incl. other income)79.17%
EBITDA margin82.68%
Pre-tax margin18.17%
Net profit margin14.51%
Net margin, latest quarter3.76%
ROE7.59%
ROCE7.71%
ROA1.40%
ROE, 3-year average8.20%
ROCE, 3-year average8.31%
ROA, 3-year average1.44%
ROE, 5-year average10.00%
ROCE, 5-year average8.25%
ROA, 5-year average1.52%
ROIC (approx.)7.69%
Tax rate2.70%
Other income / net worth0.04%
Growth
Sales growth (latest year)0.31%
Profit growth (latest year)-3.55%
Sales CAGR, 3 years-1.21%
Sales CAGR, 5 years-2.55%
Profit CAGR, 3 years-10.18%
Profit CAGR, 5 years7.91%
Sales growth QoQ-2.19%
Profit growth QoQ-81.26%
Sales growth YoY (latest quarter)0.52%
Profit growth YoY (latest quarter)36.60%
Per share
EPS (TTM)Rs 29.19
EPS (latest year)Rs 28.69
EPS (latest quarter)Rs 1.86
EPS, 3-year averageRs 28.82
EPS, 5-year averageRs 31.65
Book value per shareRs 391.01
Sales per shareRs 201.22
Cash flow per shareRs -59.45
Free cash flow per shareRs -60.35
Dividend per share (latest year)Rs 4.50
Dividend per share, 3-year averageRs 4.50
Dividend per share, 5-year averageRs 4.50
Dividends
Dividend payout15.70%
Dividend payout, 3-year average15.63%
Dividend payout, 5-year average14.45%
Efficiency
Asset turnover0.10x
Fixed asset turnover15.62x
Debtor days0 days
Debtors turnover2004.57x
Leverage
Total debtRs 9,119 Cr
Cash and bankRs 44 Cr
Net debtRs 9,075 Cr
Debt to equity4.33x
Net debt / EBITDA10.13x
Interest coverage1.29x
Owners' fund to total sources18.64%
Debt to assets80.71%
Cash flow
Cash from Operating Activity (latest year)Rs -320 Cr
Cash from Investing Activity (latest year)Rs 52 Cr
Cash from Financing Activity (latest year)Rs 255 Cr
Net Cash Flow (latest year)Rs -14 Cr
Free cash flow (latest year)Rs -325 Cr
FCFE (approx.: FCF + change in debt)Rs 43 Cr
Cash from ops / profit, 5 years2.95x
Statement figures
Net sales (TTM)Rs 1,084 Cr
Net sales (latest year)Rs 1,082 Cr
Sales (latest quarter)Rs 267 Cr
Operating profit excl. other income (latest year)Rs 856 Cr
Operating profit (latest quarter)Rs 194 Cr
Other income (TTM)Rs 2 Cr
EBITDA (TTM)Rs 896 Cr
PBDT (TTM)Rs 209 Cr
Profit before tax (TTM)Rs 197 Cr
Tax (latest year)Rs 4 Cr
Net profit (TTM)Rs 157 Cr
Net profit (latest year)Rs 154 Cr
Net profit (latest quarter)Rs 10 Cr
Depreciation (TTM)Rs 12 Cr
Depreciation (latest quarter)Rs 4 Cr
Interest (TTM)Rs 687 Cr
Cost of goods sold (latest year)Rs 18 Cr
Total expenditure (latest year)Rs 226 Cr
Total income (latest year)Rs 1,083 Cr
Share capitalRs 54 Cr
ReservesRs 2,052 Cr
Shareholders' fundsRs 2,106 Cr
Total assetsRs 11,298 Cr
Net blockRs 69 Cr
Capital work in progressRs 16 Cr
InvestmentsRs 211 Cr
ReceivablesRs 1 Cr
Other liabilitiesRs 74 Cr
Shares outstanding (crore)5.39
Ownership
Promoter holding42.41% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 4.5 is at the 9th percentile of its own 9.4-year range
(median 6.7, low 1.9, high 20.7).
P/B 0.34 is at the 3th percentile (median 0.60).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | GICHSGFIN | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -3.7% | -2.8% | -0.9 pts |
| 1 month | -6.4% | -6.8% | +0.4 pts |
| 3 months | -14.4% | -7.6% | -6.8 pts |
| 6 months | +1.2% | +0.4% | +0.8 pts |
| 1 year | -25.3% | -9.9% | -15.4 pts |
| 2 years | -44.9% | -13.6% | -31.3 pts |
| 3 years | -36.0% | +14.2% | -50.2 pts |
| 5 years | -10.5% | +27.9% | -38.4 pts |
Red flags
F-score 3 of 8| explain | Weak cash conversion Cash from operations was 40% of net profit over the last 3 years |
| explain | Low interest cover Interest cover 1.2x in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹267 Cr +0.8% vs Jun 2025.
Net profit ₹10 Cr +42.9%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Housing Finance Ltd | 67,709 | 25.0 | 8.85 % |
| Piramal Finance Ltd | 50,343 | 112 | 6.47 % |
| LIC Housing Finance Ltd | 30,171 | 5.26 | 8.59 % |
| PNB Housing Finance Ltd | 28,641 | 12.2 | 9.44 % |
| Aadhar Housing Finance Ltd | 18,960 | 16.4 | 11.4 % |
| Sammaan Capital Ltd | 15,853 | 4.92 % | |
| Aptus Value Housing Finance India Ltd | 11,686 | 11.9 | 15.4 % |
| Home First Finance Company India Ltd | 11,443 | 19.7 | 11.1 % |
| AAVAS Financiers Ltd | 9,899 | 14.4 | 9.92 % |
| Can Fin Homes Ltd | 9,743 | 8.62 | 9.14 % |
| India Shelter Finance Corporation Ltd | 6,986 | 13.2 | 12.9 % |
| Repco Home Finance Ltd | 2,161 | 4.49 | 10.1 % |
| SRG Housing Finance Ltd | 221 | 6.46 | 11.8 % |
| Reliance Home Finance Ltd | 76 | -432 % | |
| Ind Bank Housing Ltd | 51 | 13.0 | -1.11 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-06-25 | Dividend - Rs 4.50 Per Share | |
| 2025-07-18 | Dividend - Rs 4.50 Per Share | |
| 2024-06-28 | Dividend - Rs 4.50 Per Share | |
| 2023-08-25 | Dividend - Rs 4.50 Per Share | |
| 2022-09-01 | Dividend - Rs 4.5 Per Share | |
| 2021-09-16 | Annual General Meeting/Dividend - Rs 4 Per Share | |
| 2020-12-03 | Annual General Meeting/Dividend - Rs 2 Per Share | |
| 2019-09-12 | Annual General Meeting/Dividend - Rs 5.50 Per Share | |
| 2018-07-20 | Annual General Meeting/Dividend- Rs 5.50 Per Share | |
| 2017-07-14 | Annual General Meeting/Dividend - Rs 5/- Per Share | |
| 2016-07-14 | Dividend -Rs 5/- Per Share | |
| 2015-07-09 | Annual General Meeting/Dividend Rs 5/- Per Share | |
| 2014-09-02 | Annual General Meeting / Dividend - Rs 5/- Per Share + One Time Silver Jubilee Dividend - Re 1/- Per Share | |
| 2013-07-18 | Annual General Meeting / Dividend - Rs 5/- Per Share | |
| 2012-07-04 | Annual General Meeting And Dividend - Rs.4.50 Per Share | |
| 2011-07-14 | Final Dividend Rs.4.50 Per Share And Special Dividend Re.1/- Per Share | |
| 2010-07-15 | Dividend Rs. 4.50 Per Share | |
| 2009-07-16 | Agm/Div-Rs.4/- Per Share | |
| 2008-07-16 | Agm/Dividend - 40% | |
| 2007-07-19 | Agm/Dividend-30% | |
| 2006-07-14 | Agm/Dividend-15% |
| Date | Type | What it says |
|---|---|---|
| 2026-10-01 | Updates | Submission of information under Regulation 6(1) & 7(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ( Listing Regul... |
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of GIC Housing Finance Ltd?
GIC Housing Finance Ltd (GICHSGFIN) has a market capitalisation of Rs 723 Cr. at the 2026-10-01 close.
What is the P/E ratio of GIC Housing Finance Ltd?
GIC Housing Finance Ltd trades at a P/E of 4.60 on trailing twelve-month profit, at the 2026-10-01 close.
What were GIC Housing Finance Ltd's latest quarterly results?
In the Jun 2026 quarter, GIC Housing Finance Ltd revenue was Rs 267 Cr (+0.8% vs Jun 2025) and net profit was Rs 10 Cr.
What is the 52-week high and low of GIC Housing Finance Ltd?
The 52-week high is Rs 184.00 and the 52-week low is Rs 130.05.