Is GIC Housing Fin overvalued or undervalued?
As of August 26, 2025, GIC Housing Finance is considered very attractive and undervalued, with a PE ratio of 6.83, a Price to Book Value of 0.48, and an EV to EBITDA of 11.17, making it a compelling investment opportunity despite a year-to-date return of -14.56% compared to the Sensex's 3.39%.
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 conclusion include a PE ratio of 6.83, a Price to Book Value of 0.48, and an EV to EBITDA of 11.17. In comparison to its peers, GIC Housing Finance stands out with a much lower PE ratio than HUDCO, which is at 14.98, and also has a more favorable PEG ratio of 0.00 compared to LIC Housing Finance's 0.35. Despite recent stock performance lagging behind the Sensex, particularly with a year-to-date return of -14.56% versus the Sensex's 3.39%, the strong valuation metrics suggest that GIC Housing Finance presents a compelling investment opportunity in the housing finance sector.
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