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GIC Housing Finance Limited (IN:GICHSGFIN)
:GICHSGFIN
India Market
GICHSGFIN
GIC Housing Finance Limited
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GIC Housing Finance Limited (GICHSGFIN) Ratios

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GIC Housing Finance Limited Ratios

IN:GICHSGFIN's free cash flow for Q2 2026 was ₹0.34. For the 2026 fiscal year, IN:GICHSGFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.22. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 831.36 0.30 0.25 0.25 0.34
Quick Ratio
 831.36 0.30 0.25 0.25 0.34
Cash Ratio
 12.77 0.02 0.01 0.02 0.15
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 -7.86 >-0.01 0.17 0.29 0.40
Short-Term Operating Cash Flow Coverage
 0.00 >-0.01 0.17 0.30 0.40
Net Current Asset Value
₹ 15.41B₹ -78.71B₹ -78.61B₹ -83.33B₹ -93.02B
Leverage Ratios
Debt-to-Assets Ratio
 0.81 0.81 0.82 0.84 0.87
Debt-to-Equity Ratio
 4.52 4.45 4.69 5.40 6.86
Debt-to-Capital Ratio
 0.82 0.82 0.82 0.84 0.87
Long-Term Debt-to-Capital Ratio
 0.82 0.74 0.75 0.77 0.83
Financial Leverage Ratio
 5.55 5.48 5.73 6.43 7.90
Debt Service Coverage Ratio
 0.00 0.06 0.06 0.06 0.06
Interest Coverage Ratio
 0.00 112.85 113.92 175.82 249.17
Debt to Market Cap
 10.98 9.52 7.48 10.96 14.67
Interest Debt Per Share
 1.67K 1.63K 1.59K 1.70K 1.92K
Net Debt to EBITDA
 40.12 38.93 38.71 30.19 41.13
Profitability Margins
Gross Profit Margin
29.65%27.10%26.56%31.34%35.44%
EBIT Margin
19.80%20.09%19.96%26.85%20.37%
EBITDA Margin
20.95%21.54%21.41%27.77%21.13%
Operating Profit Margin
18.02%18.28%18.22%24.79%29.57%
Pretax Profit Margin
14.36%19.93%19.80%26.71%20.25%
Net Profit Margin
12.93%15.47%14.67%19.65%15.25%
Continuous Operations Profit Margin
12.93%15.47%14.67%19.65%15.25%
Net Income Per EBT
90.03%77.61%74.13%73.57%75.33%
EBT Per EBIT
79.70%109.02%108.62%107.75%68.48%
Return on Assets (ROA)
1.23%1.49%1.45%1.95%1.45%
Return on Equity (ROE)
6.98%8.16%8.28%12.55%11.48%
Return on Capital Employed (ROCE)
1.72%2.49%2.54%3.65%3.87%
Return on Invested Capital (ROIC)
1.55%1.37%1.34%1.82%2.13%
Return on Tangible Assets
1.23%1.49%1.45%1.96%1.46%
Earnings Yield
16.64%17.50%13.22%25.57%24.61%
Efficiency Ratios
Receivables Turnover
 0.10 652.36 1.17K 1.92 1.89
Payables Turnover
 89.46 33.85 35.03 32.95 24.53
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 43.80 42.67 45.96 42.03 65.22
Asset Turnover
 0.10 0.10 0.10 0.10 0.10
Working Capital Turnover Ratio
 0.20 -0.46 -0.42 -0.45 -0.51
Cash Conversion Cycle
 3.62K -10.22 -10.11 179.22 177.96
Days of Sales Outstanding
 3.62K 0.56 0.31 190.30 192.85
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 4.08 10.78 10.42 11.08 14.88
Operating Cycle
 3.62K 0.56 0.31 190.30 192.85
Cash Flow Ratios
Operating Cash Flow Per Share
 -18.64 -3.26 96.94 193.71 238.80
Free Cash Flow Per Share
 -18.70 -3.50 96.20 192.59 237.80
CapEx Per Share
 0.06 0.25 0.74 1.12 1.00
Free Cash Flow to Operating Cash Flow
 1.00 1.08 0.99 0.99 1.00
Dividend Paid and CapEx Coverage Ratio
 -4.09 -0.69 18.49 34.47 47.75
Capital Expenditure Coverage Ratio
 -313.84 -13.08 130.51 172.99 238.58
Operating Cash Flow Coverage Ratio
 -0.01 >-0.01 0.06 0.11 0.12
Operating Cash Flow to Sales Ratio
 -0.10 -0.02 0.51 0.96 1.13
Free Cash Flow Yield
-12.30%-2.06%45.26%124.37%181.60%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 6.01 5.72 7.56 3.91 4.06
Price-to-Sales (P/S) Ratio
 0.78 0.88 1.11 0.77 0.62
Price-to-Book (P/B) Ratio
 0.41 0.47 0.63 0.49 0.47
Price-to-Free Cash Flow (P/FCF) Ratio
 -8.13 -48.59 2.21 0.80 0.55
Price-to-Operating Cash Flow Ratio
 -8.16 -52.30 2.19 0.80 0.55
Price-to-Earnings Growth (PEG) Ratio
 -1.42 0.96 -0.26 0.17 0.06
Price-to-Fair Value
 0.41 0.47 0.63 0.49 0.47
Enterprise Value Multiple
 43.83 43.03 43.89 32.96 44.06
Enterprise Value
 96.78B 96.13B 96.93B 99.32B 105.92B
EV to EBITDA
 43.83 43.03 43.89 32.96 44.06
EV to Sales
 9.18 9.27 9.40 9.15 9.31
EV to Free Cash Flow
 -96.06 -509.42 18.71 9.58 8.27
EV to Operating Cash Flow
 -96.37 -548.36 18.57 9.52 8.24
Tangible Book Value Per Share
 367.95 362.31 333.81 309.02 274.55
Shareholders’ Equity Per Share
 370.91 364.87 339.61 315.56 280.54
Tax and Other Ratios
Effective Tax Rate
 0.10 0.22 0.26 0.26 0.25
Revenue Per Share
 195.68 192.62 191.52 201.51 211.23
Net Income Per Share
 25.31 29.79 28.11 39.60 32.22
Tax Burden
 0.90 0.78 0.74 0.74 0.75
Interest Burden
 0.73 0.99 0.99 0.99 0.99
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.03 0.03 0.03 0.02
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -0.67 -0.11 3.45 3.60 5.58
Currency in INR