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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₹150.10 - ₹206.00
Previous CloseN/A
Volume55.96K
Average Volume (3M)4.30K
Market Cap
₹8.29B
Enterprise Value₹96.91B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)6.1
Beta1.36
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% year-over-year revenue increase indicates durable loan book expansion and stronger interest income. Sustained top-line growth from mortgage originations improves scale economics, supports recurring interest margins, and provides a multi-month runway for reinvestment and portfolio growth.
High Gross Margins & Operational EfficiencyAn unusually high gross profit margin (98.58%) combined with healthy EBIT/EBITDA margins signals strong spread management and low direct costs. This operational efficiency supports margin durability, gives flexibility to absorb credit costs, and enables reinvestment in origination or risk management capabilities.
Focused Housing Finance Model & Developer PartnershipsA focused business model on home loans plus partnerships with developers creates a durable origination channel and predictable loan flow. Developer tie-ups lower customer acquisition costs, deepen market reach in housing finance, and sustain fee and interest income streams over multiple quarters.
Bears Say
High LeverageA debt-to-equity ratio of 4.45 reflects heavy reliance on borrowed funds, raising refinancing and liquidity risk. Elevated leverage reduces financial flexibility to withstand rate shocks or credit stress, constrains capital allocation, and increases vulnerability to funding cost increases over the medium term.
Negative Operating And Free Cash FlowNegative operating and free cash flows indicate the core lending operations are not self-funding, requiring external financing to sustain growth. Persistent cash outflows strain liquidity, raise dependency on wholesale funding, and can force tighter credit or higher funding costs in adverse market conditions.
Profitability & EPS PressureA ~24% decline in EPS alongside only moderate net margin (15.19%) and ROE (8.16%) limits internal capital generation. Slowing earnings power reduces retained earnings growth, hampering equity buildup and the firm’s ability to deleverage or fund growth organically over several quarters.
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 ₹150.10 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 ₹8.29B.
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 79 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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