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GIC Housing Finance Ltd.

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gichfindia.comBSE: 511676NSE: GICHSGFIN
Market Cap₹ 732 Cr.
Current Price
High / Low₹ 184 / 130
Stock P/E4.7
Book Value₹ 393
Price to Book0.34
Dividend Yield3.31 %
ROCE7.7 %
ROE7.6 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 33.9%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Solid return on assets for a lender - ROA of 1.4%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 35.8% YoY, showing strong momentum

CONS

  • Net NPA is elevated at 1.6% - provisioning cushion is thin
  • Company has a low return on capital employed of 8.3%
  • Company has a low return on equity of 8.2% over last 3 years
  • Operating margins have contracted to 79.1% from 89.9%
  • Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJHFL84.34674.6870274.910.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2286.4032.0754103.150.48460.98—3368.2733.527.7464.47
3.HUDCO174.058.1934843.073.48851.1135.053717.1727.108.4197.08
4.PNBHOUSING1182.0513.3230828.330.68557.344.472263.449.029.4191.52
5.LICHSGFIN537.055.1529541.131.861499.039.907082.59-1.168.5997.06
6.AADHARHFC462.0517.7520247.340.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP149.750.0017439.240.00243.30-27.221651.93-31.18-4.7099.91
8.HOMEFIRST1209.9021.7612650.650.431598.511244.525380.111086.0511.1377.98
9.APTUS252.4012.8412640.961.78260.9419.01600.2915.3815.4581.94
10.CANFINHOME781.859.2210410.691.92267.8219.631096.157.439.1491.29
11.AAVAS1288.3020.8210215.490.00142.4812.34546.0221.429.9774.58
12.GICHSGFIN136.004.65732.373.3110.0835.85266.761.287.7572.69
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
266264260258259261267268263266268271267
4247411053373130110354239250
Operating Profit226221220250221227238216155236231234194
OPM %84.94%83.82%84.74%97.00%85.40%86.86%89.24%80.42%58.95%88.79%85.90%86.36%72.69%
Other Income3326321400011
Interest183179176172174177179174173173173168173
Depreciation4444444433334
4241427947485656-2061556318
Tax %24.12%25.70%15.84%32.24%16.88%23.44%11.97%36.71%136.53%18.33%20.36%15.33%43.18%
Net Profit000039375035750445410
667107797198100

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1,1501,1151,0571,0791,0821,072
216271140151226366
Operating Profit934844917928856707
OPM %81.23%75.69%86.77%86.01%79.11%65.90%
715913-312
Interest702703711703687687
Depreciation91015151112
Profit before Tax230290204207159197
Tax %24.67%26.43%25.87%22.39%2.76%20.17%
Net Profit174213151160155157
EPS32.2239.6028.1129.7928.75—
Dividend Payout %13.97%11.36%16.01%15.11%15.65%—

COMPOUNDED SALES GROWTH

10 Years:
—
5 Years:
—
3 Years:
-1%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
—
3 Years:
-10%

STOCK PRICE CAGR

10 Years:
-8%
5 Years:
-2%
3 Years:
-10%
1 Year:
-21%

RETURN ON EQUITY

10 Years:
—
5 Years:
10%
3 Years:
8%
Last Year:
8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jun 25

₹ 0.45

Rs.4.5000 per share(45%)Final Dividend

2025

Jul 18

₹ 0.45

Rs.4.5000 per share(45%)Final Dividend

2024

Jun 28

₹ 0.45

Rs.4.5000 per share(45%)Final Dividend

2023

Aug 25

₹ 0.45

Rs.4.5000 per share(45%)Final Dividend

2022

Sep 1

₹ 0.45

Rs.4.5000 per share(45%)Final Dividend

2021

Sep 16

₹ 0.40

Rs.4.0000 per share(40%)Dividend

2020

Dec 3

₹ 0.20

Rs.2.0000 per share(20%)Final Dividend

2018

Jul 20

₹ 0.55

Rs.5.5000 per share(55%)Dividend

2017

Jul 14

₹ 0.50

Rs.5.0000 per share(50%)Dividend

2016

Jul 14

₹ 0.50

Rs.5.0000 per share(50%)Dividend

Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital5454545454
1,4571,6451,7751,9112,053
10,3479,1438,5778,7449,113
Trade Payables138111116
-69-15-20-17-41
Total Liabilities11,80210,83510,39610,70311,195
2152442769
14229168254210
00001
Cash & Bank48290415945
11,28510,46410,14310,36310,870
Total Assets11,80210,83510,39610,70311,195

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
918741200-360-857
Cash from Investing-3-21364-8752
Cash from Financing-892-1,238-619122255
391-408-3418-14

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
42.4142.4142.4142.4142.4142.4142.4142.4142.41
2.642.912.462.182.672.162.081.811.40
5.895.895.895.895.515.515.054.592.53
Government0.000.000.000.000.000.000.000.000.00
49.0648.7949.2549.5149.4049.9250.4651.1853.65

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-28
Copy of Newspaper Publication

2026-08-28 - GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-27
Shareholders meeting

2026-08-27 - GIC Housing Finance Limited has informed the Exchange regarding Notice of Postal Ballot

2026-08-24
Updates

2026-08-24 - GIC Housing Finance Limited has informed the Exchange regarding 'Intimation of Payment of Interest for NCD having Scrip Code 976944(Listed on BSE)'.

2026-08-24
Copy of Newspaper Publication

2026-08-24 - GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-21
Updates

2026-08-21 - GIC Housing Finance Limited has informed the Exchange regarding 'Intimation of Interest and Principal Payment of NCD'.

2026-08-21
Change in Management

2026-08-21 - GIC Housing Finance Limited has informed the Exchange about Change in Senior Management Personnel

2026-08-13
Updates

2026-08-13 - GIC Housing Finance Limited has informed the Exchange regarding 'Submission of Financial Highlights for the quarter ended June 30 2026'.

2026-08-13
Copy of Newspaper Publication

2026-08-13 - GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-12
Outcome of Board Meeting

2026-08-12 - GIC Housing Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

News

Recent coverage and analyst commentary for GICHSGFIN

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