GIC HOUSING FINANCE LTD
GICHSGFIN · General/Diversified · NSE
₹150
Current Market Price
Fair Value (P/B + Residual Income)
₹150
Discount to FV
+0.0%
Updated 26m ago
YieldIQ Score
43/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
38%
ROE
7.3%
Debt/Equity
4.33
Cost of Equity
11.1%
Market Cap
₹809.38 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
2.1%
Return on capital employed
Revenue CAGR (3Y)
-0.5%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹150.3
Bear case
Discount -33.3%
Base case
Discount +0.0%
Bull case
Discount +20.0%
Ratio Trends
GICHSGFIN · last 9 annual periods
ROE
7.3%
ROCE
2.1%
Operating Margin
—
Debt / Equity
4.33×
PE
4.6×
EV / EBITDA
41.0×
Historical Financials
GICHSGFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1138 Cr | ₹1085 Cr | ₹1031 Cr | ₹1055 Cr | ₹1069 Cr | -1.5% |
| EBITDA | ₹240 Cr | ₹301 Cr | ₹221 Cr | ₹241 Cr | ₹239 Cr | -0.2% |
| EBIT | ₹931 Cr | ₹992 Cr | ₹915 Cr | — | — | -0.5% |
| PAT | ₹174 Cr | ₹213 Cr | ₹151 Cr | ₹160 Cr | ₹155 Cr | -2.8% |
| EPS (diluted) | ₹32.22 | ₹39.60 | ₹28.11 | — | — | -3.4% |
| CFO | ₹1286 Cr | ₹1043 Cr | ₹522 Cr | ₹-17.5 Cr | ₹-320 Cr | — |
| CapEx | ₹-5.4 Cr | ₹-6.0 Cr | ₹-4.0 Cr | ₹-2.6 Cr | ₹-5.3 Cr | — |
| FCF | ₹1281 Cr | ₹1037 Cr | ₹518 Cr | ₹-20.2 Cr | ₹-325 Cr | — |
| Total Assets | ₹11.9K Cr | ₹10.9K Cr | ₹10.5K Cr | ₹10.8K Cr | ₹11.3K Cr | -1.3% |
| Total Debt | ₹10.4K Cr | ₹9168 Cr | ₹8584 Cr | ₹8751 Cr | ₹9119 Cr | -3.2% |
| Shareholders' Equity | ₹1511 Cr | ₹1699 Cr | ₹1829 Cr | ₹1965 Cr | ₹2106 Cr | +8.7% |
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
Click a ticker to view its fair-value analysis.
Dividend History
10 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹22.00/sh
Last payout
2025-07-18
₹4.50
Peak payout
₹5.50
Trailing yield
2.99%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. GIC HOUSING FINANCE LTD (GICHSGFIN.NS) trades at 150.30 vs a model fair value of 150.30, a gap of -0.0%. Piotroski F-score: 4/9. Moat lab...
Read full AI analysis →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 →
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P/B + Residual Income breakdown, 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.