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GIC Housing Finance Limited (IN:GICHSGFIN)
:GICHSGFIN
India Market
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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 Q4 2025 was ₹0.96. For the 2025 fiscal year, IN:GICHSGFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
0.25 0.25 16.28 0.34 0.23
Quick Ratio
0.25 0.25 16.28 3.62 4.08
Cash Ratio
0.01 0.01 6.83 0.15 0.03
Solvency Ratio
0.02 0.02 0.04 0.04 0.03
Operating Cash Flow Ratio
0.17 0.17 102.17 0.40 0.18
Short-Term Operating Cash Flow Coverage
0.17 0.17 0.30 0.40 0.18
Net Current Asset Value
₹ -78.61B₹ -78.61B₹ -90.55B₹ -93.02B₹ -105.67B
Leverage Ratios
Debt-to-Assets Ratio
0.82 0.82 0.84 0.87 0.89
Debt-to-Equity Ratio
4.69 4.69 5.40 6.86 8.27
Debt-to-Capital Ratio
0.82 0.82 0.84 0.87 0.89
Long-Term Debt-to-Capital Ratio
0.75 0.75 0.77 0.83 0.86
Financial Leverage Ratio
5.73 5.73 6.43 7.90 9.31
Debt Service Coverage Ratio
0.06 0.06 0.07 0.09 0.31
Interest Coverage Ratio
113.92 113.92 203.16 253.68 242.96
Debt to Market Cap
7.48 7.48 10.96 14.67 17.86
Interest Debt Per Share
1.59K 1.59K 1.70K 1.92K 2.08K
Net Debt to EBITDA
38.71 38.71 28.36 28.79 11.59
Profitability Margins
Gross Profit Margin
26.56%26.56%30.94%35.44%30.13%
EBIT Margin
19.96%19.96%26.40%20.37%11.13%
EBITDA Margin
21.41%21.41%29.06%30.20%78.81%
Operating Profit Margin
18.22%18.22%28.16%30.11%24.90%
Pretax Profit Margin
19.80%19.80%26.25%20.25%11.03%
Net Profit Margin
14.67%14.67%19.32%15.25%8.66%
Continuous Operations Profit Margin
14.67%14.67%19.32%15.25%8.66%
Net Income Per EBT
74.13%74.13%73.59%75.33%78.46%
EBT Per EBIT
108.62%108.62%93.23%67.26%44.30%
Return on Assets (ROA)
1.45%1.45%1.95%1.45%0.84%
Return on Equity (ROE)
8.28%8.28%12.55%11.48%7.77%
Return on Capital Employed (ROCE)
2.54%2.54%2.85%3.94%3.17%
Return on Invested Capital (ROIC)
1.34%1.34%1.59%2.17%1.89%
Return on Tangible Assets
1.45%1.45%1.96%1.46%0.84%
Earnings Yield
13.22%13.22%25.57%24.61%16.82%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
35.03 35.03 33.72 24.53 21.66
Inventory Turnover
0.00 0.00 0.00 -0.07 -0.07
Fixed Asset Turnover
45.96 45.96 42.75 66.48 74.46
Asset Turnover
0.10 0.10 0.10 0.10 0.10
Working Capital Turnover Ratio
-0.96 -0.96 -1.12 -0.51 -0.56
Cash Conversion Cycle
-10.42 -10.42 -10.82 -5.29K -5.04K
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 -5.28K -5.03K
Days of Payables Outstanding
10.42 10.42 10.82 14.88 16.85
Operating Cycle
0.00 0.00 0.00 -5.28K -5.03K
Cash Flow Ratios
Operating Cash Flow Per Share
96.94 96.94 193.71 238.80 101.74
Free Cash Flow Per Share
96.20 96.20 192.59 237.80 98.82
CapEx Per Share
0.74 0.74 1.12 1.00 2.92
Free Cash Flow to Operating Cash Flow
0.99 0.99 0.99 1.00 0.97
Dividend Paid and CapEx Coverage Ratio
18.49 18.49 34.47 47.75 20.70
Capital Expenditure Coverage Ratio
130.51 130.51 172.99 238.58 34.90
Operating Cash Flow Coverage Ratio
0.06 0.06 0.11 0.12 0.05
Operating Cash Flow to Sales Ratio
0.51 0.51 0.94 1.13 0.45
Free Cash Flow Yield
45.26%45.26%124.37%181.60%84.79%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.56 7.56 3.91 4.06 5.95
Price-to-Sales (P/S) Ratio
1.11 1.11 0.76 0.62 0.51
Price-to-Book (P/B) Ratio
0.63 0.63 0.49 0.47 0.46
Price-to-Free Cash Flow (P/FCF) Ratio
2.21 2.21 0.80 0.55 1.18
Price-to-Operating Cash Flow Ratio
2.19 2.19 0.80 0.55 1.15
Price-to-Earnings Growth (PEG) Ratio
-0.26 -0.26 0.17 0.06 0.05
Price-to-Fair Value
0.63 0.63 0.49 0.47 0.46
Enterprise Value Multiple
43.89 43.89 30.96 30.84 12.24
Enterprise Value
96.93B 96.93B 99.32B 105.92B 117.66B
EV to EBITDA
43.89 43.89 30.96 30.84 12.24
EV to Sales
9.40 9.40 9.00 9.31 9.65
EV to Free Cash Flow
18.71 18.71 9.58 8.27 22.11
EV to Operating Cash Flow
18.57 18.57 9.52 8.24 21.48
Tangible Book Value Per Share
333.81 333.81 291.95 250.28 223.88
Shareholders’ Equity Per Share
339.61 339.61 315.56 280.54 252.14
Tax and Other Ratios
Effective Tax Rate
0.26 0.26 0.26 0.25 0.22
Revenue Per Share
191.52 191.52 205.00 211.23 226.48
Net Income Per Share
28.11 28.11 39.60 32.22 19.60
Tax Burden
0.74 0.74 0.74 0.75 0.78
Interest Burden
0.99 0.99 0.99 0.99 0.99
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.03 0.03 0.03 0.02 0.02
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
3.45 3.45 3.60 5.58 4.07
Currency in INR
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