GIC Housing Finance Ltd.

•

gichfindia.comBSE: 511676NSE: GICHSGFIN

Market Cap₹ 757 Cr.

Current Price

High / Low₹ 184 / 130

Stock P/E4.8

Book Value₹ 393

Price to Book0.34

Dividend Yield3.20 %

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%
Latest quarter profit grew 36.6% YoY, showing strong momentum
Company has a consistent dividend-paying track record
Offers a healthy dividend yield of 3.2%

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
Company's sales have been declining over the last five 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 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJHFL	84.03	672.20	70016.61	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2263.30	31.75	53556.54	0.49	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	179.30	8.44	35894.07	3.37	851.11	35.05	3717.17	27.10	8.41	97.08
4.	PNBHOUSING	1181.45	13.31	30812.68	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
5.	LICHSGFIN	550.00	5.27	30253.47	1.82	1499.03	9.90	7082.59	-1.16	8.59	97.06
6.	AADHARHFC	476.85	18.31	20895.89	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	155.95	0.00	18161.26	0.00	243.30	-27.22	1651.93	-31.18	3.64	99.91
8.	HOMEFIRST	1234.65	22.21	12909.43	0.42	1598.51	1244.52	5380.11	1086.05	11.13	77.98
9.	APTUS	256.30	13.04	12836.28	1.76	260.94	19.01	600.29	15.38	15.45	81.94
10.	CANFINHOME	805.25	9.49	10722.27	1.86	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1305.65	21.10	10353.06	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	GICHSGFIN	140.50	4.80	756.61	3.20	10.08	35.85	266.76	1.28	7.75	72.69

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	266	264	260	258	259	261	267	268	263	266	268	271	267
	42	47	41	10	53	37	32	30	110	35	42	39	250
Operating Profit	226	221	220	250	221	227	238	216	155	236	231	234	194
OPM %	84.94%	83.80%	84.72%	96.96%	85.39%	86.85%	89.21%	80.38%	58.92%	88.75%	85.86%	86.32%	72.69%
Other Income	3	3	2	6	3	2	1	4	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
	42	41	42	79	47	48	56	55	-20	61	55	63	18
Tax %	24.14%	25.68%	15.84%	32.25%	16.88%	23.44%	11.94%	36.75%	136.03%	18.32%	20.35%	15.32%	43.24%
Net Profit	32	30	36	54	39	36	50	35	7	50	44	54	10
	6	6	7	10	7	7	9	7	1	9	8	10	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1,000	1,110	1,225	1,247	1,231	1,150	1,115	1,057	1,079	1,082	1,072
	106	124	114	191	277	216	271	140	151	226	366
Operating Profit	894	986	1,110	1,057	953	934	844	917	928	856	706
OPM %	89.39%	88.81%	90.67%	84.71%	77.47%	81.24%	75.69%	86.75%	85.99%	79.10%	65.87%
	2	2	3	7	9	7	159	12	-3	1	2
Interest	668	713	866	946	823	702	703	711	703	687	687
Depreciation	1	1	1	6	4	9	10	15	15	11	12
Profit before Tax	227	274	247	112	135	230	290	204	206	159	197
Tax %	34.95%	25.03%	30.46%	59.37%	21.54%	24.67%	26.43%	25.87%	22.39%	2.70%	20.16%
Net Profit	148	206	172	46	106	174	213	151	160	154	157
EPS	0.00	38.19	0.00	0.00	19.60	32.23	39.59	28.07	29.74	28.69	—
Dividend Payout %	18.23%	14.40%	17.24%	23.61%	20.40%	13.96%	11.37%	16.03%	15.13%	15.69%	—

COMPOUNDED SALES GROWTH

10 Years:: 2%
5 Years:: -3%
3 Years:: -1%

COMPOUNDED PROFIT GROWTH

10 Years:: 2%
5 Years:: 8%
3 Years:: -10%

STOCK PRICE CAGR

10 Years:: -8%
5 Years:: -2%
3 Years:: -11%
1 Year:: -20%

RETURN ON EQUITY

10 Years:: 12%
5 Years:: 10%
3 Years:: 8%
Last Year:: 8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	54	54	54	54	54	54	54	54	54	54
	784	1,064	1,200	1,209	1,304	1,457	1,645	1,775	1,911	2,052
	8,237	9,984	11,659	11,751	11,210	10,347	9,143	8,577	8,744	9,113
Trade Payables	6	6	12	17	9	13	8	10	11	16
	324	378	-75	-29	-56	-69	-15	-20	-17	-41
Total Liabilities	9,404	11,487	12,849	13,002	12,521	11,802	10,835	10,396	10,702	11,194
	2	2	3	19	16	21	52	44	27	69
	26	13	14	14	14	15	230	169	255	211
	0	0	0	0	0	0	0	0	0	1
Cash & Bank	62	57	52	115	91	481	89	40	58	44
	9,314	11,414	12,780	12,855	12,399	11,285	10,464	10,143	10,363	10,869
Total Assets	9,404	11,487	12,849	13,002	12,521	11,802	10,835	10,396	10,702	11,194

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,106	-110	-1,910	-230	201	918	742	200	-360	-857
Cash from Investing	-16	2	1	-11	-14	-4	-213	64	-87	52
Cash from Financing	1,203	1,715	1,639	51	-558	-892	-1,238	-619	122	255
	10	-5	-5	62	-24	390	-407	-34	18	-14

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41	42.41
	2.64	2.91	2.46	2.18	2.67	2.16	2.08	1.81	1.40
	5.89	5.89	5.89	5.89	5.51	5.51	5.05	4.59	2.53
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	49.06	48.79	49.25	49.51	49.40	49.92	50.46	51.18	53.65

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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