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GIC Housing Finance Ltd.

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gichfindia.comBSE: 511676NSE: GICHSGFIN
Market Cap₹ 739 Cr.
Current Price
High / Low₹ 184 / 130
Stock P/E4.7
Book Value₹ 393
Price to Book0.34
Dividend Yield3.28 %
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 3.3%

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 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.GICHSGFIN137.254.69739.113.2810.0835.85266.761.287.7572.69
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
266264260258259261267268263266268271267
4247411053373230110354239250
Operating Profit226221220250221227238216155236231234194
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 Income3326321400011
Interest183179176172174177179174173173173168173
Depreciation4444444433334
4241427947485655-2061556318
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 Profit3230365439365035750445410
667107797198100

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1,0001,1101,2251,2471,2311,1501,1151,0571,0791,0821,072
106124114191277216271140151226366
Operating Profit8949861,1101,057953934844917928856706
OPM %89.39%88.81%90.67%84.71%77.47%81.24%75.69%86.75%85.99%79.10%65.87%
22379715912-312
Interest668713866946823702703711703687687
Depreciation1116491015151112
Profit before Tax227274247112135230290204206159197
Tax %34.95%25.03%30.46%59.37%21.54%24.67%26.43%25.87%22.39%2.70%20.16%
Net Profit14820617246106174213151160154157
EPS0.0038.190.000.0019.6032.2339.5928.0729.7428.69—
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:
-10%
1 Year:
-21%

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital54545454545454545454
7841,0641,2001,2091,3041,4571,6451,7751,9112,052
8,2379,98411,65911,75111,21010,3479,1438,5778,7449,113
Trade Payables6612179138101116
324378-75-29-56-69-15-20-17-41
Total Liabilities9,40411,48712,84913,00212,52111,80210,83510,39610,70211,194
22319162152442769
261314141415230169255211
0000000001
Cash & Bank6257521159148189405844
9,31411,41412,78012,85512,39911,28510,46410,14310,36310,869
Total Assets9,40411,48712,84913,00212,52111,80210,83510,39610,70211,194

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-1,106-110-1,910-230201918742200-360-857
Cash from Investing-1621-11-14-4-21364-8752
Cash from Financing1,2031,7151,63951-558-892-1,238-619122255
10-5-562-24390-407-3418-14

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 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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