GIC Housing Finance Limited (GICHSGFIN) AI Stock Analysis

• Market Cap: ₹8.06B
• Dividend Yield: 2.54%
• Average Volume (3M): 4.30K
• Price to Earnings (P/E): 5.3
• Beta (1Y): 1.25
• Revenue Growth: 1.07%
• EPS Growth: -13.63%
• Country: IN
• Employees: 335
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 8.11
• 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): 0.88
• 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: ₹161.00 ▼(-9.45% Downside)
• Action: Reiterated Date: 10/28/25
• Date: Action: Reiterated 10/28/25

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

Sustained high revenue growth indicates an expanding loan book and rising origination activity, which supports scalable interest income and fee opportunities. Over 2-6 months this underpins capacity to invest in distribution, absorb credit costs, and improve long-term earnings power.

Negative Factors

High Leverage

Very high leverage raises long-term financial risk, heightening sensitivity to interest rate rises and credit spreads. It constrains strategic flexibility, increases refinancing risk, and can magnify losses in a downturn, affecting capital adequacy and growth plans over months.

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...

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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

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	10.52B	10.37B	10.31B	10.85B	11.38B	12.20B
Gross Profit	3.10B	2.81B	2.74B	3.40B	4.03B	3.67B
EBITDA	2.23B	2.23B	2.21B	3.01B	2.40B	1.40B
Net Income	1.42B	1.60B	1.51B	2.13B	1.74B	1.06B
Balance Sheet
Total Assets	110.82B	107.75B	104.71B	109.20B	119.29B	126.41B
Cash, Cash Equivalents and Short-Term Investments	1.68B	588.20M	1.24B	2.45B	4.81B	906.30M
Total Debt	90.22B	87.51B	85.84B	91.68B	103.65B	112.26B
Total Liabilities	90.84B	88.11B	86.42B	92.21B	104.18B	112.83B
Stockholders Equity	19.98B	19.65B	18.29B	16.99B	15.11B	13.58B
Cash Flow
Free Cash Flow	-1.01B	-188.70M	5.18B	10.37B	12.81B	5.32B
Operating Cash Flow	-1.00B	-175.30M	5.22B	10.43B	12.86B	5.48B
Investing Cash Flow	-357.80M	-870.20M	635.00M	-2.13B	-39.50M	-138.40M
Financing Cash Flow	2.46B	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: Negative
• RSI: Neutral
• STOCH: Negative

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 142.49, above the 50-day MA of 151.80, and above the 200-day MA of 170.42, indicating a neutral trend. The MACD of -1.03 indicates Negative momentum. The RSI at 54.90 is Neutral, neither overbought nor oversold. The STOCH value of 86.71 is Negative, 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	₹112.13B	11.69	―	1.37%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GICHSGFIN	65 Neutral	₹8.06B	5.34	―	2.54%	1.07%	-13.63%
REPCOHOME	62 Neutral	₹23.63B	5.62	―	1.61%	8.10%	2.97%
AADHARHFC	58 Neutral	₹204.39B	18.67	―	―	―	―
BAJAJHFL	56 Neutral	₹708.33B	29.54	―	―	―	―
LICHSGFIN	55 Neutral	₹286.23B	5.31	―	1.87%	4.79%	13.08%

GIC Housing Finance Limited Corporate Events