GIC HOUSING FINANCE LTD
GICHSGFIN · General/Diversified · NSE
₹151
Current Market Price
Fair Value (DCF)
₹459
Margin of Safety
+203.7%
Updated just now
YieldIQ Score
40/100
Piotroski F-Score
6/9
Economic Moat
None
Confidence
32%
ROE
—
Debt/Equity
4.52
WACC
11.1%
Market Cap
₹813 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
270.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
124.0×
EBIT covers interest
Current Ratio
0.30×
Short-term liquidity
Asset Turnover
0.10×
Revenue per ₹ of assets
Revenue CAGR (3Y)
-3.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹151.04
Bear case
₹312.79
MoS +51.7%
Base case
₹458.76
MoS +67.1%
Bull case
₹625.58
MoS +75.9%
Ratio Trends
GICHSGFIN · last 8 annual periods
ROE
8.2%
ROCE
2.1%
Operating Margin
—
Debt / Equity
4.45×
PE
15.9×
EV / EBITDA
29.1×
Historical Financials
GICHSGFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1230 Cr | ₹1150 Cr | ₹281 Cr | ₹260 Cr | ₹1037 Cr | -4.2% |
| EBITDA | — | ₹240 Cr | ₹301 Cr | ₹221 Cr | ₹223 Cr | -1.8% |
| EBIT | ₹957 Cr | ₹931 Cr | ₹256 Cr | ₹252 Cr | — | -28.4% |
| PAT | ₹79.7 Cr | ₹174 Cr | ₹52.3 Cr | ₹53.7 Cr | ₹160 Cr | +19.1% |
| EPS (diluted) | ₹19.60 | ₹32.22 | ₹9.72 | ₹9.97 | — | -15.5% |
| CFO | ₹548 Cr | ₹1286 Cr | ₹290 Cr | ₹522 Cr | ₹-17.5 Cr | — |
| CapEx | — | — | — | — | ₹-2.6 Cr | — |
| FCF | — | — | — | — | ₹-20.2 Cr | — |
| Total Assets | — | ₹11.9K Cr | ₹10.9K Cr | ₹10.5K Cr | ₹10.8K Cr | -2.5% |
| Total Debt | ₹9966 Cr | ₹8857 Cr | ₹8017 Cr | ₹7833 Cr | ₹8751 Cr | -3.2% |
| Shareholders' Equity | — | — | ₹1699 Cr | ₹1829 Cr | ₹1965 Cr | +3.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
GICHSGFIN vs 3 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| SRGHFL SRGHFL | — | — | Pending | 9.2% | — |
| RHFL RHFL | — | — | Pending | -45.6% | — |
| TFL TRANSWARRANTY FIN. LTD. | -100.0% | 35 | Data Limited | -14.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for GICHSGFIN in the last 10 years.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of GICHSGFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for GICHSGFIN →
Compare
Head-to-head with peers
Compare GICHSGFIN side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse GICHSGFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.