GIC Housing Finance Limited (GICHSGFIN) AI Stock Analysis

• Market Cap: ₹9.31B
• Dividend Yield: 2.61%
• Average Volume (3M): 2.54K
• Price to Earnings (P/E): 7.2
• Beta (1Y): 1.42
• Revenue Growth: 0.10%
• EPS Growth: -18.71%
• Country: IN
• Employees: 335
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 1.38
• Shares Outstanding: 53,851,063
• 10 Day Avg. Volume: 2,179
• 30 Day Avg. Volume: 2,536
• PEG Ratio: 0.96
• Price to Book (P/B): 0.47
• Price to Sales (P/S): 0.87
• P/FCF Ratio: -48.59
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: ₹190.00 ▲(11.50% Upside)

The overall stock score of 65 reflects a balance of strong valuation metrics and technical indicators, offset by financial performance concerns. The low P/E ratio and attractive dividend yield are significant positives, while high leverage and negative cash flows present risks. Technical analysis suggests a neutral to slightly bearish outlook.

GIC Housing Finance Limited Business Overview & Revenue Model

Company Description

GIC Housing Finance Limited (GICHSGFIN) is a leading housing finance company in India, primarily engaged in providing a wide range of housing finance solutions. The company caters to various sectors of the housing market, offering home loans, loan against property, and other related financial products aimed at promoting home ownership and real estate investment. With a focus on affordable housing, GICHSGFIN plays a crucial role in supporting individuals and families in acquiring their dream homes.

How the Company Makes Money

GIC Housing Finance Limited generates revenue primarily through the interest earned on home loans and other financing products it offers to customers. The company charges interest on the principal amount of loans disbursed, which constitutes a significant portion of its income. Additional revenue streams include processing fees, late payment charges, and other service fees associated with loan applications. GICHSGFIN also capitalizes on partnerships with real estate developers and builders, which allows the company to offer tailored financing solutions for specific projects, further enhancing its revenue potential. The company's ability to maintain a healthy loan portfolio and manage risk effectively contributes to its financial stability and profitability.

GIC Housing Finance Limited Financial Statement Overview

Summary

GIC Housing Finance Limited shows strong revenue growth and operational efficiency. However, high leverage with a debt-to-equity ratio of 4.45 and negative cash flows indicate significant financial risks. The company needs to improve its cash flow management and reduce debt levels to enhance financial stability.

Income Statement

GIC Housing Finance Limited shows strong revenue growth with a 41.8% increase in the latest year, indicating robust business expansion. The gross profit margin is exceptionally high at 98.58%, reflecting efficient cost management. However, the net profit margin is moderate at 15.19%, suggesting room for improvement in profitability. The EBIT and EBITDA margins are healthy, indicating good operational efficiency.

Balance Sheet

The company has a high debt-to-equity ratio of 4.45, which indicates significant leverage and potential financial risk. Return on equity is moderate at 8.16%, showing reasonable profitability relative to equity. The equity ratio is low, suggesting a reliance on debt financing, which could pose risks in volatile markets.

Cash Flow

Cash flow performance is concerning, with negative operating and free cash flows in the latest year, indicating potential liquidity issues. The free cash flow to net income ratio is above 1, suggesting that cash flow generation relative to net income is strong, but the negative cash flows overshadow this strength.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	10.71B	10.56B	10.31B	11.12B	11.38B	12.29B
Gross Profit	10.31B	10.41B	2.74B	3.42B	3.23B	2.21B
EBITDA	2.35B	9.35B	2.21B	10.00B	9.48B	9.61B
Net Income	1.29B	1.60B	1.51B	2.13B	1.74B	1.06B
Balance Sheet
Total Assets	0.00	107.75B	104.71B	109.20B	119.29B	126.41B
Cash, Cash Equivalents and Short-Term Investments	0.00	588.20M	1.24B	896.10M	4.81B	906.30M
Total Debt	0.00	87.51B	85.84B	91.68B	103.65B	112.26B
Total Liabilities	-19.65B	88.11B	86.42B	92.21B	104.18B	112.83B
Stockholders Equity	19.65B	19.65B	18.29B	16.99B	15.11B	13.58B
Cash Flow
Free Cash Flow	0.00	-188.70M	5.18B	10.37B	12.81B	5.32B
Operating Cash Flow	0.00	-175.30M	5.22B	10.43B	12.86B	5.48B
Investing Cash Flow	0.00	-870.20M	635.00M	-2.13B	-39.50M	-138.40M
Financing Cash Flow	0.00	1.22B	-6.19B	-12.38B	-8.92B	-5.58B

GIC Housing Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 170.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:GICHSGFIN, the sentiment is Negative. The current price of 170.4 is below the 20-day moving average (MA) of 173.31, below the 50-day MA of 173.88, and below the 200-day MA of 177.73, indicating a bearish trend. The MACD of -0.32 indicates Positive momentum. The RSI at 42.63 is Neutral, neither overbought nor oversold. The STOCH value of 8.76 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:GICHSGFIN.

GIC Housing Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	73 Outperform	₹114.71B	12.45	―	1.37%	8.92%	12.32%
REPCOHOME	73 Outperform	₹28.12B	6.06	―	0.59%	9.72%	7.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GICHSGFIN	65 Neutral	₹9.31B	7.23	―	2.61%	0.10%	-18.71%
BAJAJHFL	62 Neutral	₹913.22B	39.62	―	―	―	―
LICHSGFIN	55 Neutral	₹315.65B	5.72	―	1.75%	4.79%	13.08%

GIC Housing Finance Limited Corporate Events

GIC Housing Finance Earns ESG Rating of 81

GIC Housing Finance Limited has received an ESG rating of ’81’ for the fiscal year 2024-25 from CFC Finlease Private Limited, a SEBI registered ESG Rating Provider. This rating, based on independent research and public domain information, was assigned without the company’s direct engagement or input, potentially enhancing its reputation in sustainable finance and impacting stakeholder perceptions positively.

GIC Housing Finance Secures Strong Credit Ratings from CRISIL

GIC Housing Finance Limited announced the reaffirmation of its credit ratings by CRISIL Ltd. The company received a CRISIL AA+ rating with a stable outlook for its long-term bank facilities and non-convertible debentures, while its short-term bank facilities and commercial paper were rated CRISIL A1+. These ratings reflect the company’s strong financial position and are likely to enhance stakeholder confidence and support its market positioning.

GIC Housing Finance Announces Director Change

GIC Housing Finance Limited has announced the completion of the second term of Shri A. K. Saxena as an Independent Director, effective from the close of business on September 22, 2025. This change marks the end of his tenure, during which he contributed significantly to the company, and he will no longer serve as a member or chairman of the Board level Committees. The company has expressed its appreciation for his service.

GIC Housing Finance Confirms Timely NCD Interest Payment

GIC Housing Finance Limited has announced the successful payment of interest on its Non-Convertible Debentures (NCDs) listed on the BSE. The interest payment, amounting to Rs. 18,57,89,589, was made on the due date of August 21, 2025, demonstrating the company’s commitment to fulfilling its financial obligations and maintaining investor confidence.