GIC Housing Finance Limited (IN:GICHSGFIN)
:GICHSGFIN
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GIC Housing Finance Limited
(GICHSGFIN)
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Rating:57Neutral
Price Target:
₹155.00
▼(-12.82% Downside)
Action:Reiterated
Date:05/21/26
The score is driven mainly by mixed financial quality (high leverage and softer profitability, though improving leverage and supportive 2026 cash flow) and weak-to-neutral technical momentum, partially offset by clearly attractive valuation (low P/E and reasonable dividend yield).
Positive Factors
Improving leverage trend
A multi-year decline in leverage (from ~8.3x to ~4.3x) materially reduces the firm's sensitivity to funding cost shocks and credit cycles. Lower leverage improves capital cushions, supports regulatory/commercial flexibility, and makes strategic investments or gradual deleveraging more sustainable over months.
Negative Factors
High absolute leverage
Despite improvement, absolute leverage remains high for a lending franchise, keeping the company exposed to funding-cost increases, refinancing risk, and credit deterioration. High indebtedness constrains strategic flexibility and amplifies earnings volatility if asset quality or rates worsen over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage trend
A multi-year decline in leverage (from ~8.3x to ~4.3x) materially reduces the firm's sensitivity to funding cost shocks and credit cycles. Lower leverage improves capital cushions, supports regulatory/commercial flexibility, and makes strategic investments or gradual deleveraging more sustainable over months.
Read all positive factors
GIC Housing Finance Limited (GICHSGFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹8.10B
Dividend Yield2.54%
Average Volume (3M)4.30K
Price to Earnings (P/E)4.6
Beta (1Y)1.20
Revenue Growth-0.61%
EPS Growth-3.49%
CountryIN
Employees335
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)26.44
Shares Outstanding53,851,063
10 Day Avg. Volume7,483
30 Day Avg. Volume4,298
Financial Highlights & Ratios
PEG Ratio-1.31
Price to Book (P/B)0.34
Price to Sales (P/S)0.65
P/FCF Ratio1.94
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 office...
How the Company Makes Money
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GIC Housing Finance Limited Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
41
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.52B | 10.82B | 10.37B | 10.31B | 10.85B | 11.38B |
| Gross Profit | 3.10B | 3.73B | 2.81B | 2.74B | 3.40B | 4.03B |
| EBITDA | 2.23B | 1.70B | 2.23B | 2.21B | 3.01B | 2.40B |
| Net Income | 1.42B | 1.55B | 1.60B | 1.51B | 2.13B | 1.74B |
Balance Sheet | ||||||
| Total Assets | 110.82B | 112.99B | 107.75B | 104.71B | 109.20B | 119.29B |
| Cash, Cash Equivalents and Short-Term Investments | 1.68B | 451.80M | 588.20M | 1.24B | 2.45B | 4.81B |
| Total Debt | 90.22B | 91.19B | 87.51B | 85.84B | 91.68B | 103.65B |
| Total Liabilities | 90.84B | 91.93B | 88.11B | 86.42B | 92.21B | 104.18B |
| Stockholders Equity | 19.98B | 21.06B | 19.65B | 18.29B | 16.99B | 15.11B |
Cash Flow | ||||||
| Free Cash Flow | -1.01B | 3.64B | -188.70M | 5.18B | 10.37B | 12.81B |
| Operating Cash Flow | -1.00B | 3.66B | -175.30M | 5.22B | 10.43B | 12.86B |
| Investing Cash Flow | -357.80M | -6.34B | -870.20M | 635.00M | -2.13B | -39.50M |
| Financing Cash Flow | 2.46B | 2.55B | 1.22B | -6.19B | -12.38B | -8.92B |
GIC Housing Finance Limited Technical Analysis
Neutral
177.80
Price Trends
148.22
Positive
156.57
Negative
165.14
Negative
Market Momentum
-0.18
Positive
48.85
Neutral
19.19
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:GICHSGFIN, the sentiment is Neutral. The current price of 177.8 is above the 20-day moving average (MA) of 152.02, above the 50-day MA of 148.22, and above the 200-day MA of 165.14, indicating a neutral trend. The MACD of -0.18 indicates Positive momentum. The RSI at 48.85 is Neutral, neither overbought nor oversold. The STOCH value of 19.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:GICHSGFIN.
GIC Housing Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹113.41B | 7.63 | ― | 1.37% | 8.73% | 26.67% | |
69 Neutral | ₹296.46B | 4.86 | ― | 1.87% | 2.62% | 2.96% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₹207.11B | 15.71 | ― | ― | 18.59% | 19.15% | |
63 Neutral | ₹24.26B | 4.79 | ― | 1.61% | 5.45% | 1.41% | |
62 Neutral | ₹692.25B | 23.81 | ― | ― | 16.72% | 14.60% | |
57 Neutral | ₹8.10B | 4.57 | ― | 2.54% | -0.61% | -3.49% |
* Financial Sector Average
IN:GICHSGFIN
GIC Housing Finance Limited
150.50
-31.89
-17.48%
IN:AADHARHFC
Aadhar Housing Finance Ltd
475.35
25.90
5.76%
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
83.08
-41.12
-33.11%
IN:CANFINHOME
Can Fin Homes Ltd.
851.70
107.45
14.44%
IN:LICHSGFIN
LIC Housing Finance Ltd
538.95
-54.06
-9.12%
IN:REPCOHOME
Repco Home Finance Ltd.
387.75
3.05
0.79%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.