GIC Housing Finance Limited (GICHSGFIN) AI Stock Analysis

• Market Cap: ₹9.11B
• Dividend Yield: 2.54%
• Average Volume (3M): 4.30K
• Price to Earnings (P/E): 6.4
• Beta (1Y): 1.41
• Revenue Growth: 1.07%
• EPS Growth: -13.63%
• Country: IN
• Employees: 335
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 9.29
• Shares Outstanding: 53,851,063
• 10 Day Avg. Volume: 7,483
• 30 Day Avg. Volume: 4,298
• 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 ▲(6.86% 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.

Positive Factors

Revenue Growth

The significant revenue growth indicates robust business expansion and a strong market position, enhancing long-term financial stability.

Operational Efficiency

High operational efficiency suggests effective cost control, which can sustain profitability and competitive advantage over time.

Market Position

As a leading player in housing finance, the company benefits from a strong market position, supporting long-term growth and resilience.

Negative Factors

High Leverage

High leverage poses financial risks, potentially limiting flexibility and increasing vulnerability to market volatility.

Negative Cash Flows

Negative cash flows indicate potential liquidity issues, which can affect the company's ability to invest and grow sustainably.

Earnings Decline

Declining earnings growth can signal challenges in maintaining profitability, impacting long-term financial health and investor confidence.

GIC Housing Finance Limited Business Overview & Revenue Model

Company Description

GIC Housing Finance Limited provides housing finance services in India. It grants housing loans to individuals, as well as to persons/entities engaged in construction of houses/flats for residential purposes. As of March 31, 2021, it had 75 offices. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

How the Company Makes Money

GIC Housing Finance Limited generates revenue primarily through the interest earned on home loans and mortgage products that it disburses to customers. The company typically charges interest rates that vary based on the type of loan product, the borrower's creditworthiness, and prevailing market conditions. Additionally, GICHSGFIN may earn fees from processing loan applications, conducting property evaluations, and other ancillary services related to loan origination. Significant partnerships with real estate developers and builders enhance its revenue streams by facilitating direct customer access to housing finance solutions. Moreover, GICHSGFIN may also benefit from investment income from its portfolio of securities and deposits, which further contributes to its overall profitability.

GIC Housing Finance Limited Financial Statement Overview

Summary

GIC Housing Finance Limited exhibits strong revenue growth and operational efficiency, but faces significant risks due to high leverage and negative cash flows. The company needs to address its debt levels and improve cash flow management 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	10.42B	10.37B	10.31B	10.85B	11.38B	12.20B
Gross Profit	2.83B	2.81B	2.74B	3.40B	4.03B	3.67B
EBITDA	2.13B	2.23B	2.21B	3.01B	2.40B	1.40B
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	2.45B	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: 177.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 177.8 is above the 20-day moving average (MA) of 174.00, above the 50-day MA of 171.34, and above the 200-day MA of 177.41, indicating a bearish trend. The MACD of 1.11 indicates Positive momentum. The RSI at 43.21 is Neutral, neither overbought nor oversold. The STOCH value of 22.58 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
CANFINHOME	73 Outperform	₹118.47B	12.86	―	1.37%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GICHSGFIN	65 Neutral	₹9.11B	6.40	―	2.54%	1.07%	-13.63%
AADHARHFC	64 Neutral	₹206.83B	20.82	―	―	―	―
REPCOHOME	62 Neutral	₹26.14B	5.70	―	1.61%	8.10%	2.97%
BAJAJHFL	56 Neutral	₹780.16B	33.03	―	―	―	―
LICHSGFIN	55 Neutral	₹290.60B	5.26	―	1.87%	4.79%	13.08%

GIC Housing Finance Limited Corporate Events

GIC Housing Finance to Raise Rs. 200 Crores via NCDs

GIC Housing Finance Limited’s Board of Directors has approved the issuance of Secured, Listed, Rated, Redeemable, Taxable, Non-Convertible Debentures (NCDs) to raise funds. This move, involving a private placement of NCDs worth Rs. 200 Crores, including a Green Shoe option of Rs. 100 Crores, is aimed at strengthening the company’s financial position and enhancing its market offerings. The debentures will be listed on BSE Limited, with a tenure of 845 days and a coupon rate of 7.65% per annum, secured by a first-ranking charge over the company’s book debts and loan receivables.

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.