GIC Housing Finance Limited (IN:GICHSGFIN)
:GICHSGFIN
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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₹130.15 - ₹206.00
Previous CloseN/A
Volume55.96K
Average Volume (3M)4.30K
Market Cap
₹8.20B
Enterprise Value₹96.80B
Total Cash (Recent Filing)₹1.68B
Total Debt (Recent Filing)₹90.22B
Price to Earnings (P/E)5.3
Beta1.23
Next Earnings
May 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.54%
Share Statistics
EPS (TTM)26.44
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 GrowthSustained 41.8% revenue growth indicates durable demand and successful loan origination scaling in the mortgage market. Over 2–6 months this supports a larger interest-earning asset base, enhances fee opportunities and strengthens prospects for continued top-line expansion if underwriting quality is maintained.
High Gross MarginAn exceptionally high gross margin and healthy EBIT/EBITDA margins reflect efficient cost structure and strong spread capture in core lending operations. These margin advantages are structural, improving resilience to competitive pricing and allowing reinvestment into origination and servicing capabilities.
Reasonable Return On EquityA moderate ROE of 8.16% shows the business can generate returns on shareholder capital despite sector cyclicality. Combined with operational efficiency and revenue growth, this suggests the company can sustainably reinvest earnings to grow the loan book and improve long-term shareholder value.
Bears Say
High LeverageA debt-to-equity ratio of 4.45 denotes material reliance on borrowed funds, raising refinancing and interest-rate sensitivity risks. Structurally, high leverage limits financial flexibility, increases funding costs under stress and elevates default risk if asset quality or margins deteriorate over the medium term.
Negative Cash FlowsReported negative operating and free cash flows point to liquidity strain and dependence on external funding to support growth. Over 2–6 months this constrains the ability to self-fund loan origination, raises refinancing needs and increases vulnerability to tighter credit markets or rising rates.
Earnings VolatilityA near-24% decline in EPS signals earnings pressure and potential margin or provisioning headwinds. Persistent earnings volatility undermines predictable profitability, complicates capital planning and may force conservative provisioning or higher funding costs, affecting long-term growth execution.
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 ₹130.15 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 ₹8.20B.
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 14 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.
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