GICHSGFIN

GIC Housing Finance Ltd.

NSE: GICHSGFIN

BSE: 511676

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

137.66-0.0 (-0.01%)

24 Aug, 2:29 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

15.1 / 100

Value Score

92.0 / 100

Price Momentum Score

38.2 / 100

QVM Score

42.5 / 100

Key Metrics

Market Cap

743.14

P/E (TTM)

4.72

P/B

0.35

P/S (TTM)

0.69

EV/EBITDA

42.51

CAPE (5Y)

4.32

ROE (TTM)

7.61

ROCE (TTM)

2.10

ROA (TTM)

1.40

Avg 3Y ROE

8.21

Earnings 3Y CAGR

-8.56

Sales 3Y CAGR

-0.83

Sales 5Y CAGR

-1.89

Debt/Equity

4.33

Consensus TP

Strong Buy %

Promoter Holding

42.41

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of GIC Housing Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.35 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -77.99%

What is P/B Ratio?

Median: 1.59

Value 0.35

0.359.81

High and stable operating margin

The company reported strong operating margin of 20.21% for 12-month ended 30 Jun 2026 and operating margin declined marginally by 0 bps from 1 year ago

What is Operating profit margin?

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 22.2% for 12-month ended 30 Jun 2026 and the growth was 3.08 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Consistently pays dividend

The company has not missed dividend payments once in the last 10 financial years

What is Dividend streak?

Negative

Low but stable ROE

The company reported low ROE of 7.61% for 12-month ended 30 Jun 2026 and ROE declined marginally by -85 bps from 1 year ago

What is ROE (FY)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of 1.14% for 12-month ended 30 Jun 2026 and the growth was 11.48 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 12.62

Value 1.14

-17.0935.44

High Debt to Equity, not much change from last year

The company has reasonable Debt to Equity of 4.33 as on 30 Jun 2026 and Debt to Equity decreased marginally by 0.12 in the last 1 year

What is Debt to Equity?

Neutral

Moderate dividend yield

The company has a moderate dividend yield of 3.26%

What is Dividend yield?

Financial Snapshot

See detailed analysis

Multi-year trends for GIC Housing Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

GIC Housing Finance Ltd. Shareholding Pattern

Quarterly breakdown of GIC Housing Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41
Indian Promoter	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	13.34	7.91	7.15	6.94	7.03	7.05	0.36	7.69	7.75	8.11	8.19	8.67	8.56	8.38	9.96	9.18	9.08	8.53	8.80	8.34	8.07	8.20	7.67	7.13	6.40	3.94
Mutual Funds / UTI	1.23	1.23	1.23	1.23	1.23	1.23	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FI/Bank/Insurance	5.77	5.97	5.66	5.66	5.66	5.66	0.00	6.34	6.34	6.34	6.34	6.34	6.34	6.34	6.34	5.89	5.89	5.89	5.89	5.89	5.89	5.51	5.51	5.05	4.59	2.53
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	6.34	0.71	0.25	0.05	0.14	0.15	0.36	1.35	1.41	1.78	1.85	2.33	2.22	2.04	3.62	3.28	3.18	2.64	2.91	2.46	2.18	2.67	2.16	2.08	1.81	1.40
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Institution	44.25	49.69	50.44	50.65	50.56	50.54	57.23	49.90	49.84	49.48	49.40	48.93	49.04	49.22	47.63	48.41	48.51	49.06	48.79	49.25	49.51	49.40	49.92	50.46	51.18	53.65
Bodies Corporate	7.25	7.46	3.21	3.08	3.66	3.86	4.47	7.66	8.59	8.63	8.51	7.84	7.40	7.38	9.75	10.50	9.59	8.56	8.60	8.34	8.31	7.99	8.12	8.30	8.44	8.28
Others (incl. Retail) No. of shareholders	37.00 53,336	42.23 62,603	47.23 77,749	47.57 74,183	46.90 68,233	46.68 62,555	52.76 68,380	42.24 63,198	41.25 62,058	40.85 61,083	40.89 60,243	41.09 56,918	41.64 59,358	41.84 59,076	37.88 57,043	37.91 58,174	38.92 61,979	40.50 66,224	40.19 67,127	40.91 67,327	41.20 66,077	41.41 64,953	41.80 63,810	42.16 62,181	42.74 60,966	45.37 61,349

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Housing Finance Company	1.73%	12 / 12

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in GIC Housing Finance Ltd. shares as reported to NSE and BSE.

Name	Date	Type	Price	Qty.	Value
VAIPAN VENTURES PRIVATE LIMITED	25 Nov 2025	sell	₹ 169.10	5.23 lac	₹ 8.85 cr
VAIPAN ADVISORS PRIVATE LIMITED	25 Nov 2025	buy	₹ 169.31	5.50 lac	₹ 9.31 cr
MONEKA ANIL PODDAR	26 Mar 2025	buy	₹ 168.52	3.47 lac	₹ 5.85 cr
ANIL KANTIPRASAD PODDAR	26 Mar 2025	sell	₹ 168.52	3.47 lac	₹ 5.85 cr
GRAVITON RESEARCH CAPITAL LLP	16 Sep 2024	sell	₹ 266.04	3.41 lac	₹ 9.07 cr
GRAVITON RESEARCH CAPITAL LLP	16 Sep 2024	buy	₹ 265.81	3.41 lac	₹ 9.06 cr
HRTI PRIVATE LIMITED	13 Sep 2024	sell	₹ 256.77	2.19 lac	₹ 5.62 cr
GRAVITON RESEARCH CAPITAL LLP	13 Sep 2024	buy	₹ 254.47	4.88 lac	₹ 12.42 cr
GRAVITON RESEARCH CAPITAL LLP	13 Sep 2024	sell	₹ 254.61	4.88 lac	₹ 12.42 cr
HRTI PRIVATE LIMITED	13 Sep 2024	buy	₹ 256.84	3.08 lac	₹ 7.90 cr

…

Corporate Actions

History of GIC Housing Finance Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 4.50/share
Record date: 26th Jun 2026Ex-date: 25th Jun 2026
Announced on: 15th May 2026
Dividend₹ 4.50/share
Record date: 18th Jul 2025Ex-date: 18th Jul 2025
Announced on: 16th May 2025
Dividend₹ 4.50/share
Record date: 28th Jun 2024Ex-date: 28th Jun 2024
Announced on: 13th May 2024
Dividend₹ 4.50/share
Record date: 25th Aug 2023Ex-date: 25th Aug 2023
Announced on: 17th May 2023
Dividend₹ 4.50/share
Record date: 2nd Sep 2022Ex-date: 1st Sep 2022
Announced on: 18th May 2022

Company Profile

Overview of GIC Housing Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

GIC Housing Finance Limited is an India-based company, which is engaged in carrying on the business of housing finance in India. The Company’s main business is to provide loans for the purchase or construction of residential units. It grants housing loans to individuals and to persons/entities engag...

Key personnel

Shri. Sachindra Salvi

Chief Executive Officer, Managing Director

Shri. T Mariraja

Senior Vice President, Head of HR & Operations

Shri. Sajid Munshi

Senior Vice President (Collections Head)

Shri. Birudeo Babu Phonde

Senior Vice President - Head of Admin Department

Shri. S. A. Ramamurthy

Senior Vice President - Head of Sales & Marketing

Mr. Premraj Avasthi

Chief Information Officer

Shri. Pratik Kadam

Chief Information and Security Officer

Shri. Asit Kumar Nandi

Chief Compliance Officer

View all

Incorporated on

12 Dec 1989

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

515

IPO date

19 Dec 1994

Free Float

5,01,24,727

Website

https://www.gichfindia.com/

Phone no.

+912243041900

Address

Insurance Building 6th floor, 14, Jamshedji Tata Road, Churchgate, MUMBAI, 400020, India

Frequently Asked Questions

What is the current share price of GIC Housing Finance Ltd.?

The current share price of GIC Housing Finance Ltd. is ₹ 137.66 as of 24 Aug 2026.

What is the market capitalisation of GIC Housing Finance Ltd.?

The market capitalisation of GIC Housing Finance Ltd. stands at ₹ 743.14 Cr.

What is the PE ratio of GIC Housing Finance Ltd.?

The Price-to-Earnings (PE) ratio of GIC Housing Finance Ltd. is 4.72 as of the latest trailing twelve months data.

What is the ROE and ROCE of GIC Housing Finance Ltd.?

GIC Housing Finance Ltd. has a Return on Equity (ROE) of 7.61% and a Return on Capital Employed (ROCE) of 2.10% as per the latest financial reports.

What is the 52-week high and low of GIC Housing Finance Ltd.?

The 52-week high of GIC Housing Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of GIC Housing Finance Ltd.?

The dividend yield of GIC Housing Finance Ltd. is 3.26% based on the current market price.

What is the FII and DII holding in GIC Housing Finance Ltd.?

Foreign Institutional Investors (FII) hold 1.40%, Domestic Institutional Investors (DII) hold 2.53% and retail/public investors hold 45.37% of GIC Housing Finance Ltd. shares.

What sector does GIC Housing Finance Ltd. belong to?

GIC Housing Finance Ltd. operates in the Financial Services sector.

What is the beta of GIC Housing Finance Ltd.?

The beta of GIC Housing Finance Ltd. is 0.85, indicating its price volatility relative to the broader market. Over the past 1 year, GIC Housing Finance Ltd. has delivered an absolute return of -21.02%.

What is the RSI of GIC Housing Finance Ltd.?

The 14-day Relative Strength Index (RSI) of GIC Housing Finance Ltd. is 30.17, placing it approaching oversold territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

GIC Housing Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

GIC Housing Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Corporate Actions

Company Profile