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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 ₹2.99. For the 2025 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
Dec 25Dec 23Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.25 0.25 16.28 0.34
Quick Ratio
0.00 0.25 0.25 16.28 3.62
Cash Ratio
0.02 0.01 0.01 6.83 0.15
Solvency Ratio
0.02 0.02 0.02 0.04 0.04
Operating Cash Flow Ratio
0.00 0.17 0.17 102.17 0.40
Short-Term Operating Cash Flow Coverage
0.00 0.17 0.17 0.30 0.40
Net Current Asset Value
₹ -88.11B₹ -78.61B₹ -78.61B₹ -90.55B₹ -93.02B
Leverage Ratios
Debt-to-Assets Ratio
0.81 0.82 0.82 0.84 0.87
Debt-to-Equity Ratio
4.45 4.69 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
0.74 0.75 0.75 0.77 0.83
Financial Leverage Ratio
5.48 5.73 5.73 6.43 7.90
Debt Service Coverage Ratio
0.07 0.06 0.06 0.07 0.09
Interest Coverage Ratio
0.00 113.92 113.92 203.16 253.68
Debt to Market Cap
9.29 7.48 7.48 10.96 14.67
Interest Debt Per Share
1.63K 1.59K 1.59K 1.70K 1.92K
Net Debt to EBITDA
37.07 38.71 38.71 28.36 28.79
Profitability Margins
Gross Profit Margin
96.64%26.56%26.56%30.94%35.44%
EBIT Margin
20.70%19.96%19.96%26.40%20.37%
EBITDA Margin
22.00%21.41%21.41%29.06%30.20%
Operating Profit Margin
20.70%18.22%18.22%28.16%30.11%
Pretax Profit Margin
13.08%19.80%19.80%26.25%20.25%
Net Profit Margin
12.08%14.67%14.67%19.32%15.25%
Continuous Operations Profit Margin
12.08%14.67%14.67%19.32%15.25%
Net Income Per EBT
92.38%74.13%74.13%73.59%75.33%
EBT Per EBIT
63.20%108.62%108.62%93.23%67.26%
Return on Assets (ROA)
1.20%1.45%1.45%1.95%1.45%
Return on Equity (ROE)
6.82%8.28%8.28%12.55%11.48%
Return on Capital Employed (ROCE)
2.90%2.54%2.54%2.85%3.94%
Return on Invested Capital (ROIC)
1.90%1.34%1.34%1.59%2.17%
Return on Tangible Assets
1.20%1.45%1.45%1.96%1.46%
Earnings Yield
13.73%13.22%13.22%25.57%24.61%
Efficiency Ratios
Receivables Turnover
670.70 0.00 0.00 0.00 0.00
Payables Turnover
1.34 35.03 35.03 33.72 24.53
Inventory Turnover
0.00 0.00 0.00 0.00 -0.07
Fixed Asset Turnover
43.87 45.96 45.96 42.75 66.48
Asset Turnover
0.10 0.10 0.10 0.10 0.10
Working Capital Turnover Ratio
-0.68 -0.96 -0.96 -1.12 -0.51
Cash Conversion Cycle
-271.17 -10.42 -10.42 -10.82 -5.29K
Days of Sales Outstanding
0.54 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 -5.28K
Days of Payables Outstanding
271.71 10.42 10.42 10.82 14.88
Operating Cycle
0.54 0.00 0.00 0.00 -5.28K
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 96.94 96.94 193.71 238.80
Free Cash Flow Per Share
0.00 96.20 96.20 192.59 237.80
CapEx Per Share
0.00 0.74 0.74 1.12 1.00
Free Cash Flow to Operating Cash Flow
0.00 0.99 0.99 0.99 1.00
Dividend Paid and CapEx Coverage Ratio
0.00 18.49 18.49 34.47 47.75
Capital Expenditure Coverage Ratio
0.00 130.51 130.51 172.99 238.58
Operating Cash Flow Coverage Ratio
0.00 0.06 0.06 0.11 0.12
Operating Cash Flow to Sales Ratio
0.00 0.51 0.51 0.94 1.13
Free Cash Flow Yield
0.00%45.26%45.26%124.37%181.60%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.28 7.56 7.56 3.91 4.06
Price-to-Sales (P/S) Ratio
0.88 1.11 1.11 0.76 0.62
Price-to-Book (P/B) Ratio
0.48 0.63 0.63 0.49 0.47
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 2.21 2.21 0.80 0.55
Price-to-Operating Cash Flow Ratio
0.00 2.19 2.19 0.80 0.55
Price-to-Earnings Growth (PEG) Ratio
-0.37 -0.26 -0.26 0.17 0.06
Price-to-Fair Value
0.48 0.63 0.63 0.49 0.47
Enterprise Value Multiple
41.07 43.89 43.89 30.96 30.84
Enterprise Value
96.36B 96.93B 96.93B 99.32B 105.92B
EV to EBITDA
41.07 43.89 43.89 30.96 30.84
EV to Sales
9.04 9.40 9.40 9.00 9.31
EV to Free Cash Flow
0.00 18.71 18.71 9.58 8.27
EV to Operating Cash Flow
0.00 18.57 18.57 9.52 8.24
Tangible Book Value Per Share
362.86 333.81 333.81 291.95 250.28
Shareholders’ Equity Per Share
365.43 339.61 339.61 315.56 280.54
Tax and Other Ratios
Effective Tax Rate
0.08 0.26 0.26 0.26 0.25
Revenue Per Share
198.34 191.52 191.52 205.00 211.23
Net Income Per Share
23.96 28.11 28.11 39.60 32.22
Tax Burden
0.92 0.74 0.74 0.74 0.75
Interest Burden
0.63 0.99 0.99 0.99 0.99
Research & Development to Revenue
0.00 0.00 0.00 <0.01 <0.01
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
0.00 3.45 3.45 3.60 5.58
Currency in INR
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