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
₹8.10B
Enterprise Value₹98.84B
Total Cash (Recent Filing)₹1.68B
Total Debt (Recent Filing)₹90.22B
Price to Earnings (P/E)4.6
Beta1.20
Next Earnings
Aug 11, 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 Ratio-1.31
Price to Book (P/B)0.34
Price to Sales (P/S)0.65
P/FCF Ratio1.94
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
Improving Leverage TrendA multi-year decline in leverage (from ~8.3x to ~4.3x) materially reduces the firm's sensitivity to funding cost shocks and credit cycles. Lower leverage improves capital cushions, supports regulatory/commercial flexibility, and makes strategic investments or gradual deleveraging more sustainable over months.
Cash Generation Backing EarningsFree cash flow roughly equaling net income in 2026 and a rebound in operating cash flow indicate that reported earnings are supported by actual cash. This strengthens capacity to fund loan growth, service debt, and maintain distributions over a 2–6 month horizon, assuming cash generation remains stable.
Sustained Mortgage MarginsRelatively robust gross and net margins for a mortgage lender suggest durable spread economics and pricing power in core lending operations. Even with flat revenue, healthy margins provide ongoing earnings potential and buffer against modest interest-rate or funding-cost volatility over the medium term.
Bears Say
High Absolute LeverageDespite improvement, absolute leverage remains high for a lending franchise, keeping the company exposed to funding-cost increases, refinancing risk, and credit deterioration. High indebtedness constrains strategic flexibility and amplifies earnings volatility if asset quality or rates worsen over months.
Volatile Cash Flow ConversionMaterial swings in operating cash flow—from negative in 2025 to strong in 2026—indicate inconsistent cash conversion. This volatility weakens predictability for debt servicing, dividend policy, or capital allocation plans and raises refinancing and liquidity risks across intermediate cycles.
Weakened Earnings Power And ROEA drop in ROE to about 7% and compressed earnings versus 2022–2023 signal reduced returns on deployed capital and weaker operational efficiency. Persistently lower profitability limits the company’s ability to grow equity organically, support dividends, or absorb credit losses over the medium term.
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 ₹8.10B.
When is GIC Housing Finance Limited’s upcoming earnings report date?
GIC Housing Finance Limited’s upcoming earnings report date is Aug 11, 2026 which is in 76 days.
How were GIC Housing Finance Limited’s earnings last quarter?
GIC Housing Finance Limited released its earnings results on May 15, 2026. The company reported ₹9.97 earnings per share for the quarter, beating the consensus estimate of N/A by ₹9.97.
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 ₹9.97 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.099%.
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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