Market Data
Market Cap₹728.07 Cr.
52W High₹183.9
Current Price₹135.2
52W Low₹130.15
Down from 52W High26.5 %
Face Value₹10
Performance
ROCE7.92 %
ROE7.48 %
EPS (TTM)₹1.87
EPS Prev Qtr₹9.97
EPS Last Year₹9.29
EBITDA Qtr₹17.13 Cr.
Book Value₹386
Financial Health
Debt/Equity4.3
Debt/Profit57.47
Total Assets₹11,298.98 Cr.
Dividend Yield3.33 %
Promoter Holding42.41 %
Earning Power1.73 %
Valuation
Stock P/E4.62
Industry P/E18.22
Price to Book0.35
Price to Sales0.67
Graham Number₹504.12
Key Metrics
Book Value
₹393.02
Cost to Income %
81.24%
Debt/Equity
4.29
__derived
1
Face Value
₹10
Gross NPA %
4.49%
Loans Disbursed
₹384 Cr
Net NPA %
2.04%
NIM %
3.24%
Provision Coverage %
55.73%
About GIC Housing Finance Ltd
Financial Services · Finance
GIC Housing Finance Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹728.07 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Net NPA ratio is relatively low at 2.04%, indicating manageable asset quality.
- Provision Coverage ratio is 55.73%, suggesting adequate reserves against potential defaults.
- Dividend yield is 3.33%, offering attractive income potential for investors.
- Net Interest Margin (NIM) is 3.24%, reflecting reasonable profitability on interest income.
- Loans disbursed amount to ₹384 Cr, indicating a substantial loan book size.
Weaknesses
- Gross NPA ratio of 4.49% highlights notable credit risk exposure.
- Return on Capital Employed (ROCE) is 7.92%, which may be considered moderate.
- Return on Equity (ROE) is 7.48%, indicating limited efficiency in generating returns from shareholders' equity.
- Book Value per share is ₹393.02 against a market price implying a P/B ratio of 0.35, suggesting potential undervaluation but also possible market concerns.
- Cost to Income ratio is high at 81.24%, indicating significant operational expenses relative to revenue.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue grew 0.5% YoY, Profit grew 35.8% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 265.36 | 271.54 | 272.63 | 272.7 | 266.76 |
| ↳ QoQ Growth | - | +2.3% | +0.4% | +0.0% | -2.2% |
| Expenses | 285.75 | 210.47 | 217.79 | 210.07 | 249.63 |
| Operating Profit | -20.39 | 61.07 | 54.84 | 62.63 | 17.13 |
| OPM % | -7.68% | 22.49% | 20.12% | 22.97% | 6.42% |
| Other Income | 0.08 | 0.19 | 0.02 | 0.77 | 0.61 |
| Interest | 173.12 | 172.58 | 172.94 | 168.35 | 172.98 |
| Depreciation | 2.54 | 2.81 | 2.84 | 2.79 | 3.8 |
| EBITDA | -17.85 | 63.88 | 57.68 | 65.42 | 20.93 |
| EBITDA Margin % | -6.73% | 23.53% | 21.16% | 23.99% | 7.85% |
| Profit Before Tax | -20.31 | 61.26 | 54.86 | 63.4 | 17.74 |
| Tax % | 136.53% | 18.33% | 20.36% | 15.33% | 43.18% |
| Net Profit | 7.42 | 50.03 | 43.69 | 53.68 | 10.08 |
| ↳ QoQ Growth | - | +574.3% | -12.7% | +22.9% | -81.2% |
| EPS | 1.38 | 9.29 | 8.11 | 9.97 | 1.87 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 1082.23 | 1083.63 |
| Expenses | 924.08 | 887.96 |
| Operating Profit | 158.15 | 195.67 |
| OPM % | 14.61% | 18.06% |
| Other Income | 1.06 | 1.59 |
| Interest | 686.99 | 686.85 |
| Depreciation | 10.98 | 12.24 |
| Profit Before Tax | 159.21 | 197.26 |
| Tax % | 2.76% | 20.17% |
| Net Profit | 154.82 | 157.48 |
| EPS | 28.75 | 29.24 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-21.85%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
7.48%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 53.88 | 53.88 |
| Reserves | 1910.96 | 2052.52 |
| Borrowings | 8750.59 | 9050.48 |
| Other Liabilities | 59.95 | 142.1 |
| Total Liabilities | 10775.38 | 11298.98 |
| Fixed Assets | 24.31 | 84.97 |
| CWIP | 0 | 0 |
| Investments | 254.04 | 210.07 |
| Other Assets | 10497.03 | 11003.94 |
| Total Assets | 10775.38 | 11298.98 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | -320.1 |
| Cash from Investing Activity | 51.74 |
| Cash from Financing Activity | 254.66 |
| Net Cash Flow | -13.7 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 758.34 |
| ROCE % | 7.03% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 42.41% | 42.41% | 42.41% | 42.41% |
| FIIs % | 2.15% | 2.08% | 1.81% | 1.4% |
| DIIs % | 5.52% | 5.06% | 4.6% | 2.54% |
| Public % | 37.12% | 37.03% | 37.29% | 39.6% |
| No. of Shareholders | 64,226 | 62,585 | 61,368 | 61,754 |
Major Shareholders (>1%)
- General Insurance Corporation Of IndiaPromoter and Promoter Group15.26%
- The New India Assurance Company LimitedPromoter and Promoter Group8.65%
- United India Insurance Company LimitedPromoter and Promoter Group7.35%
- National Insurance Company LtdPromoter and Promoter Group5.63%
As of 2026-06-30View all shareholders →