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GIC Housing Finance Limited (IN:GICHSGFIN)
:GICHSGFIN
GICHSGFIN Stock Chart & Stats
₹177.80
-₹0.32(-0.16%)
At close: 4:00 PM EST
₹177.80
-₹0.32(-0.16%)
Day’s Range― - ―
52-Week Range₹137.40 - ₹206.00
Previous CloseN/A
Volume55.96K
Average Volume (3M)4.30K
Market Cap
₹7.64B
Enterprise Value₹96.24B
Total Cash (Recent Filing)₹1.68B
Total Debt (Recent Filing)₹90.22B
Price to Earnings (P/E)5.3
Beta1.27
Next Earnings
May 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.54%
Share Statistics
EPS (TTM)8.11
Shares Outstanding53,851,063
10 Day Avg. Volume7,483
30 Day Avg. Volume4,298
Financial Highlights & Ratios
PEG Ratio0.96
Price to Book (P/B)0.47
Price to Sales (P/S)0.88
P/FCF Ratio-48.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthA 41.8% revenue increase signals durable expansion of the loan book and product uptake in its mortgage franchise. Sustained top-line growth supports scale, helps cover fixed costs, and provides a foundation to convert volume into long-term net interest income if credit metrics remain stable.
Gross Profit MarginAn exceptionally high gross profit margin (98.58%) indicates the company retains most revenue after direct costs, reflecting strong pricing or low direct expenses. This structural margin advantage enhances resilience to rising operating expenses and provides buffer to absorb credit costs over time.
Operational EfficiencyHealthy EBIT and EBITDA margins point to efficient core operations and effective cost control. Over a multi-month horizon, operating leverage from efficiency can turn revenue growth into sustainable earnings, supporting reinvestment and servicing of obligations if cash generation is restored.
Bears Say
High LeverageA debt-to-equity ratio of 4.45 means the business is highly leveraged, raising refinancing and interest-rate sensitivity. For a mortgage lender, this amplifies liquidity and funding risks, reduces flexibility to pursue growth, and increases the potential impact of credit stress on solvency over the medium term.
Negative Cash FlowsSustained negative operating and free cash flows constrain the company’s ability to service debt, fund originations, and finance operations internally. This structural cash generation weakness forces reliance on external funding, increasing vulnerability to market tightening and raising long-term funding costs.
Earnings ContractionA nearly 24% decline in EPS indicates material earnings pressure, reducing retained earnings and the firm’s ability to self-fund growth or absorb losses. Coupled with high leverage and weak cash flow, falling EPS narrows buffers against shocks and can impair credit access and strategic flexibility.
GIC Housing Finance Limited News
GICHSGFIN FAQ
What was GIC Housing Finance Limited’s price range in the past 12 months?
GIC Housing Finance Limited lowest stock price was ₹137.40 and its highest was ₹206.00 in the past 12 months.
What is GIC Housing Finance Limited’s market cap?
GIC Housing Finance Limited’s market cap is ₹7.64B.
When is GIC Housing Finance Limited’s upcoming earnings report date?
GIC Housing Finance Limited’s upcoming earnings report date is May 20, 2026 which is in 58 days.
How were GIC Housing Finance Limited’s earnings last quarter?
GIC Housing Finance Limited released its earnings results on Feb 09, 2026. The company reported ₹8.113 earnings per share for the quarter, beating the consensus estimate of N/A by ₹8.113.
Is GIC Housing Finance Limited overvalued?
According to Wall Street analysts GIC Housing Finance Limited’s price is currently Overvalued.
Does GIC Housing Finance Limited pay dividends?
GIC Housing Finance Limited pays a Annually dividend of ₹4.5 which represents an annual dividend yield of 2.54%. See more information on GIC Housing Finance Limited dividends here
What is GIC Housing Finance Limited’s EPS estimate?
GIC Housing Finance Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does GIC Housing Finance Limited have?
GIC Housing Finance Limited has 53,851,063 shares outstanding.
What happened to GIC Housing Finance Limited’s price movement after its last earnings report?
GIC Housing Finance Limited reported an EPS of ₹8.113 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.535%.
Which hedge fund is a major shareholder of GIC Housing Finance Limited?
Currently, no hedge funds are holding shares in IN:GICHSGFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
GIC Housing Finance Limited
GIC Housing Finance Limited provides housing finance services in India. It grants housing loans to individuals, as well as to persons/entities engaged in construction of houses/flats for residential purposes. As of March 31, 2021, it had 75 offices. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
Technical Analysis
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