GIC Housing Finance Limited (GICHSGFIN) AI Stock Analysis

• Market Cap: ₹9.39B
• Dividend Yield: 2.58%
• Average Volume (3M): 5.50K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 1.51
• Revenue Growth: 0.10%
• EPS Growth: -18.71%
• Country: IN
• Employees: 335
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Mortgages
• EPS (TTM): 1.38
• Shares Outstanding: 53,851,063
• 10 Day Avg. Volume: 3,872
• 30 Day Avg. Volume: 5,503
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹185.00
• Price Target Upside: 5.38% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 59 Neutral
• Price Target: ₹185.00 ▲(5.38% Upside)

The overall stock score is primarily influenced by the company's strong revenue growth and attractive valuation, which are offset by high leverage and negative cash flows. The bearish technical indicators further weigh down the score, indicating potential risks in the short term.

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, with a high gross profit margin. However, the high debt-to-equity ratio and negative cash flows indicate significant financial risks that need addressing.

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 2023	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	10.62B	10.56B	11.04B	10.31B	11.38B	12.20B
Gross Profit	10.41B	10.41B	3.42B	2.74B	4.03B	3.67B
EBITDA	2.49B	9.35B	3.21B	2.21B	3.43B	9.61B
Net Income	1.60B	1.60B	2.13B	1.51B	1.74B	1.06B
Balance Sheet
Total Assets	107.75B	107.75B	109.20B	104.71B	119.29B	126.41B
Cash, Cash Equivalents and Short-Term Investments	588.20M	588.20M	896.10M	1.24B	4.81B	906.30M
Total Debt	87.51B	87.51B	91.68B	85.84B	103.65B	112.26B
Total Liabilities	88.11B	88.11B	92.21B	86.42B	104.18B	112.83B
Stockholders Equity	19.65B	19.65B	16.99B	18.29B	15.11B	13.58B
Cash Flow
Free Cash Flow	0.00	-188.70M	10.37B	5.18B	12.81B	5.32B
Operating Cash Flow	0.00	-175.30M	10.43B	5.22B	12.86B	5.48B
Investing Cash Flow	0.00	-870.20M	-2.13B	635.00M	-39.50M	-138.40M
Financing Cash Flow	0.00	1.22B	-12.38B	-6.19B	-8.92B	-5.58B

GIC Housing Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 175.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 175.55 is below the 20-day moving average (MA) of 176.74, below the 50-day MA of 185.66, and below the 200-day MA of 184.14, indicating a bearish trend. The MACD of -3.39 indicates Negative momentum. The RSI at 37.63 is Neutral, neither overbought nor oversold. The STOCH value of 32.80 is Neutral, 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
Sector *	68 Neutral	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%
GICHSGFIN	59 Neutral	₹9.39B	7.29		2.58%	0.10%	-18.71%
AADHARHFC	―	₹219.46B	23.36		―	―	―
CANFINHOME	73 Outperform	₹100.74B	11.43		1.57%	9.28%	14.93%
REPCOHOME	61 Neutral	₹22.38B	4.84		1.86%	9.72%	7.08%
BAJAJHFL	57 Neutral	₹943.22B	41.05		―	―	―
LICHSGFIN	46 Neutral	₹306.19B	5.57		1.80%	4.57%	15.87%