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GIC Housing Finance Limited
(GICHSGFIN)
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Rating:58Neutral
Price Target:
₹143.00
▼(-19.57% Downside)
Action:Reiterated
Date:08/21/26
The score is driven primarily by moderate financial performance (decent profitability but softer earnings vs. prior peaks, high though improving leverage, and volatile cash flows). Technicals are a notable drag due to a clear downtrend and negative momentum. Valuation is a key offset, supported by a low P/E and a healthy dividend yield.
Positive Factors
Decent Mortgage-Lending Profitability
The company remains profitable despite softer earnings, with healthy reported margins for a mortgage lender. This provides an earnings base that can support internal capital generation and ongoing lending if credit performance remains controlled.
Negative Factors
Largely Flat Revenue Trend
Limited top-line growth points to constrained expansion in the loan book or lending income. Without stronger sustained growth, the company may have less operating leverage and fewer opportunities to offset funding, credit, and operating-cost pressures.
Read all positive and negative factors
Positive Factors
Negative Factors
Decent Mortgage-Lending Profitability
The company remains profitable despite softer earnings, with healthy reported margins for a mortgage lender. This provides an earnings base that can support internal capital generation and ongoing lending if credit performance remains controlled.
Read all positive factors
GIC Housing Finance Limited (GICHSGFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹7.38B
Dividend Yield3.28%
Average Volume (3M)5.37K
Price to Earnings (P/E)4.7
Beta (1Y)1.15
Revenue Growth0.64%
EPS Growth22.22%
CountryIN
Employees515
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)29.24
Shares Outstanding53,851,063
10 Day Avg. Volume2,779
30 Day Avg. Volume5,368
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, an Indian company established in 1989, delivers a range of financial services for housing needs across the country. The firm provides home loans to individuals and also finances businesses and developers involved in th...
How the Company Makes Money
GIC Housing Finance Limited primarily makes money through lending activities as a housing finance company. Its main revenue stream is interest income earned on its loan book (primarily retail housing loans), which is generated by charging borrower...
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 | 10.80B | 10.82B | 10.37B | 10.31B | 10.85B | 11.38B |
| Gross Profit | 3.51B | 3.73B | 2.81B | 2.74B | 3.40B | 4.03B |
| EBITDA | 2.05B | 1.70B | 2.23B | 2.21B | 3.01B | 2.40B |
| Net Income | 1.57B | 1.55B | 1.60B | 1.51B | 2.13B | 1.74B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 112.99B | 107.75B | 104.71B | 109.20B | 119.29B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.88B | 588.20M | 1.24B | 2.45B | 4.81B |
| Total Debt | 0.00 | 91.19B | 87.51B | 85.84B | 91.68B | 103.65B |
| Total Liabilities | -21.06B | 91.93B | 88.11B | 86.42B | 92.21B | 104.18B |
| Stockholders Equity | 21.06B | 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
Negative
177.80
Price Trends
142.90
Negative
146.72
Negative
150.52
Negative
Market Momentum
-1.40
Negative
43.02
Neutral
76.19
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 138.85, above the 50-day MA of 142.90, and above the 200-day MA of 150.52, indicating a bearish trend. The MACD of -1.40 indicates Negative momentum. The RSI at 43.02 is Neutral, neither overbought nor oversold. The STOCH value of 76.19 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹284.95B | 12.32 | ― | 0.73% | 10.71% | 13.39% | |
72 Outperform | ₹100.74B | 14.62 | ― | ― | 13.18% | 16.88% | |
60 Neutral | ₹21.75B | 4.54 | ― | 1.44% | 4.35% | 3.85% | |
58 Neutral | ₹7.38B | 4.70 | ― | 3.28% | 0.64% | 22.22% | |
58 Neutral | ₹100.30B | 8.88 | ― | 1.99% | 8.20% | 28.17% | |
58 Neutral | ₹312.49B | 5.43 | ― | 1.76% | 0.23% | 4.34% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:GICHSGFIN
GIC Housing Finance Limited
137.10
-31.23
-18.55%
IN:AAVAS
Aavas Financiers Ltd.
1,270.40
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-21.15%
IN:CANFINHOME
Can Fin Homes Ltd.
753.25
14.75
2.00%
IN:LICHSGFIN
LIC Housing Finance Ltd
568.10
12.03
2.16%
IN:PNBHOUSING
PNB Housing Finance Limited
1,092.60
229.49
26.59%
IN:REPCOHOME
Repco Home Finance Ltd.
347.65
-2.27
-0.65%
GIC Housing Finance Limited Corporate Events
GIC Housing Finance Appoints Veteran Banker As Chief Compliance Officer
Jul 14, 2026
GIC Housing Finance Limited has announced a change in senior management, with the Board approving the appointment of Asit Kumar Nandi as Chief Compliance Officer, effective from the date of his joining for a 36‑month term. Nandi brings nearl...
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.