Is GIC Housing Fin overvalued or undervalued?

As of 26 August 2025, the valuation grade for GIC Housing Finance has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued. Key ratios supporting this assessment include a PE ratio of 6.83, a Price to Book Value of 0.48, and an EV to EBITDA of 11.17, all of which suggest that the stock is trading at a discount compared to its peers.
In comparison with notable peers, GIC Housing Finance's PE ratio is significantly lower than HUDCO's 14.98 and LIC Housing Finance's 5.59, reinforcing its undervaluation. Additionally, GIC's PEG ratio stands at 0.00, which further highlights its attractive valuation relative to growth expectations. Despite recent underperformance against the Sensex, with a YTD return of -14.56% compared to the Sensex's 3.39%, the underlying fundamentals suggest that GIC Housing Finance presents a compelling investment opportunity.