Is GIC Housing Fin overvalued or undervalued?

As of 14 August 2025, the valuation grade for GIC Housing Fin has moved from attractive to very attractive, indicating a significant positive shift in its perceived value. The company is currently undervalued, with a PE ratio of 6.82, a price-to-book value of 0.48, and an EV to EBITDA ratio of 11.17. These ratios suggest that GIC Housing Fin is trading at a discount compared to its peers.
In comparison to its competitors, GIC Housing Fin's PE ratio is notably lower than HUDCO's 15.04 and LIC Housing Fin's 5.68, both of which are classified as very expensive and attractive, respectively. Additionally, GIC's PEG ratio stands at 0.00, further emphasizing its undervaluation relative to the market. Despite recent stock performance lagging behind the Sensex, with a year-to-date decline of 14.73% compared to a 3.15% gain for the index, the underlying fundamentals suggest that GIC Housing Fin presents a compelling investment opportunity at its current price of 173.65.