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GIC Housing Finance

GICHSGFIN NSE
₹121.95 0.81 (0.66%)
Market Cap
₹657 Cr
P/E
4.18

GIC Housing Finance (GICHSGFIN) share price was ₹121.95 at the 28 Oct 2026 close; market capitalisation ₹657 Cr; P/E (TTM) 4.18; sector Financial Services. The share price fell 30.8% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 0.7% year on year to ₹267.3 Cr and net profit was ₹10 Cr, against ₹7 Cr a year earlier (compared with Jun 2025). Promoters held 42.41% of GIC Housing Finance in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 40/100 (Weak) as of 28 Oct 2026.

Close 28 Oct 2026 ₹121.95 −54.23 −30.78% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹657 Cr
P/E (TTM)
4.18
EBITDA
₹857 Cr
Return on Equity
7.35%
Debt to Equity
4.39
Book Value
₹391.16
EPS (TTM)
₹29.19
52W High
₹184.00
52W Low
₹120.00

Price-based figures as of 28 Oct 2026, 15:52 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Bajaj Housing Finance
₹77.4823.9964,559 Cr2.690.00%11.37%8.44%12,101 Cr2,692 Cr
Piramal Finance
₹1,803.8021.7742,683 Cr1.380.59%5.34%7.24%14,535 Cr1,909 Cr
PNB Housing Finance
₹1,122.0012.4329,262 Cr1.520.74%11.92%9.02%8,689 Cr2,350 Cr
LIC Housing Finance
₹510.154.8928,061 Cr0.681.96%13.53%9.36%28,543 Cr5,739 Cr
Aadhar Housing Finance
₹430.5016.4118,873 Cr2.510.00%14.53%10.62%3,833 Cr1,140 Cr
Sammaan Capital
₹116.04—13,479 Cr0.751.75%-37.62%-4.73%7,463 Cr-7,236 Cr
Home First Finance Company
₹1,014.4018.1710,607 Cr2.430.51%12.40%10.03%2,095 Cr581 Cr
GIC Housing Finance (this company)
₹121.954.18657 Cr0.313.67%7.35%7.93%1,072 Cr158 Cr
Median 8 companies₹470.3316.4123,467 Cr1.450.67%11.65%8.73%8,076 Cr1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100. How it works →

As of 2026-10-28
v2.0.0
40 Weak
Overall score
Data confidence 94/100

Category scores

Quality Weak 38
Returns, margins, earnings quality 22%
Valuation Strong 71
Cheap vs sector & own history 24%
Growth Weak 41
Sales & profit trajectory 9%
Financial Health Poor 34
Solvency, leverage, coverage 9%
Momentum Poor 16
Trend strength, vol-adjusted 12%
Ownership Poor 17
FII/DII/promoter flows 24%

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.34 times its book value
  • Stock is providing a good dividend yield of 3.43%.

Weaknesses

4
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.55% over past five years.
  • Company has a low return on equity of 8.36% over last 3 years.
  • Company might be capitalizing the interest cost

Technical Indicators

Oscillators

BearishNeutralBullish

Bullish

Bearish
2
Neutral
2
Bullish
5

Overall

BearishNeutralBullish

Bearish

Bearish
12
Neutral
2
Bullish
5

Moving Averages

BearishNeutralBullish

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
-0.51% higher than 3Y

change over 1 year

Net Income Growth
-3.49% higher than 3Y

change over 1 year

Cash Flow Change
—

EBITDA Margin Change
-8.11%

change over 1 year

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
268
268
261
260
274
264
269
272
265
272
273
273
267
Expenses
42
47
41
10
53
37
32
30
110
35
42
39
73
Financing Profit
43
42
44
77
47
50
59
68
-18
64
58
65
21
Fin. Margin %
16%
16%
17%
30%
17%
19%
22%
25%
-7%
23%
21%
24%
8%
Other Income
3
3
2
6
3
2
1
-9
0
0
0
1
1
Interest
183
179
176
172
174
177
179
174
173
173
173
168
173
Depreciation
4
4
4
4
4
4
4
4
3
3
3
3
4
PBT
42
41
42
79
47
48
56
55
-20
61
55
63
18
Tax %
24%
26%
16%
32%
17%
23%
12%
37%
-136%
18%
20%
15%
43%
Net Profit
32
30
36
54
39
36
50
35
7
50
44
54
10
EPS (₹)
5.91
5.6
6.61
9.95
7.23
6.77
9.22
6.52
1.36
9.28
8.1
9.95
1.86
Gross NPA %
4.69%
4.59%
4.59%
3.88%
3.98%
3.78%
3.47%
3.03%
4.74%
4.52%
4.24%
3.96%
4.49%
Net NPA %
3.25%
3.08%
3.01%
2.69%
2.56%
2.43%
2.22%
1.96%
2.14%
1.99%
1.8%
1.61%
2.04%
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
733
876
1,002
1,112
1,228
1,252
1,232
1,152
1,123
1,060
1,079
1,082
1,084
Expenses
67
84
106
124
114
191
277
216
126
140
151
226
189
Financing Profit
157
192
228
275
248
116
131
234
294
209
225
169
208
Fin. Margin %
21%
22%
23%
25%
20%
9%
11%
20%
26%
20%
21%
16%
19%
Other Income
0
0
0
0
0
3
8
5
6
10
-3
1
2
Interest
509
601
668
713
866
946
823
702
703
711
703
687
687
Depreciation
4
1
1
1
1
6
4
9
10
15
15
11
12
PBT
154
191
227
274
247
112
135
230
290
204
206
159
197
Tax %
33%
35%
35%
25%
30%
59%
22%
25%
26%
26%
22%
3%
—
Net Profit
103
124
148
206
172
46
106
174
213
151
160
154
157
EPS (₹)
19.12
23.12
27.43
38.19
31.9
8.47
19.6
32.23
39.59
28.07
29.74
28.69
29.19
Div. Payout %
26%
22%
18%
14%
17%
24%
20%
14%
11%
16%
15%
16%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
54
54
54
54
54
54
54
54
54
54
54
54
Reserves
606
678
784
1,064
1,200
1,209
1,304
1,457
1,645
1,775
1,911
2,052
Borrowing
5,794
7,001
8,237
9,984
11,659
11,768
11,226
10,365
9,168
8,584
8,751
9,119
Other Liabilities
266
289
329
44
57
68
57
53
53
57
60
74
Total Liabilities
6,721
8,021
9,404
11,147
12,969
13,099
12,641
11,929
10,920
10,470
10,775
11,298
Fixed Assets
3
2
2
2
3
19
16
21
52
44
27
69
CWIP
0
0
0
0
0
13
29
29
9
10
11
16
Investments
10
10
26
13
14
14
14
15
230
169
255
211
Other Assets
6,708
8,009
9,376
11,132
12,953
13,053
12,581
11,864
10,629
10,248
10,482
11,002
Total Assets
6,721
8,021
9,404
11,147
12,969
13,099
12,641
11,929
10,920
10,470
10,775
11,298
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-1,103
-1,167
-1,178
-1,721
-1,645
22
548
1,286
1,044
522
-18
-320
Investing
1
2
-16
2
1
-11
-14
-4
-213
64
-87
52
Financing
1,105
1,174
1,203
1,715
1,639
51
-558
-892
-1,238
-619
122
255
Net Cash Flow
3
9
10
-5
-5
62
-24
390
-407
-34
18
-14
Free Cash Flow
-1,104
-1,167
-1,179
-1,722
-1,647
8
532
1,281
1,038
518
-20
-325
CFO/OP
-158
-140
-123
-170
-140
5
63
145
111
61
3
-33
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
16%
18%
19%
21%
14%
4%
8%
12%
13%
9%
9%
8%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view GIC Housing Finance insights

57 extracted metrics + investor summaries across FY11–FY27.

Shareholding Pattern

FIIs0.93%Promot.42.41%DIIs2.44%Others14.42%Public39.80%As ofSep 2026

Documents

Frequently Asked Questions about GIC Housing Finance

What does GIC Housing Finance Ltd do?
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]
Where is GIC Housing Finance Ltd (GICHSGFIN) listed?
GIC Housing Finance Ltd trades as GICHSGFIN on the NSE and under code 511676 on the BSE.
Which sector does GIC Housing Finance Ltd belong to?
GIC Housing Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of GIC Housing Finance Ltd?
GIC Housing Finance Ltd has a market capitalisation of ₹656.71 Cr as of 28 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of GIC Housing Finance Ltd?
GIC Housing Finance Ltd trades at a PE ratio of 4.18 as of 28 Oct 2026, on earnings per share of ₹29.19, against a book value of ₹391.16 per share.
What is the 52-week high and low of GIC Housing Finance Ltd?
Over the last 52 weeks GIC Housing Finance Ltd has traded between ₹120 and ₹184 as of 28 Oct 2026.
Does GIC Housing Finance Ltd pay dividends?
GIC Housing Finance Ltd has a dividend yield of 3.67%.
What is the Return on Equity (ROE) of GIC Housing Finance Ltd?
GIC Housing Finance Ltd reported a return on equity of 7.35%. Its debt-to-equity ratio is 4.39.

Company Information

Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]

Website gichfindia.com
CEO Mr. Sachindra Salvi
Employees 422
Listed 1996-05-08
Face Value ₹ 10
Shares Outstanding 5,38,51,066

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