Is GIC Housing Fin overvalued or undervalued?

As of 7 November 2025, the valuation grade for GIC Housing Finance has moved from very attractive to attractive. The company is currently considered undervalued, with a PE ratio of 6.76, a Price to Book Value of 0.47, and an EV to EBITDA ratio of 11.16. In comparison to peers, LIC Housing Finance has a PE ratio of 5.69 and an EV to EBITDA of 10.86, while HUDCO is deemed very expensive with a PE of 16.55 and an EV to EBITDA of 13.88.
Despite the recent stock performance lagging behind the Sensex, with a year-to-date return of -15.54% compared to the Sensex's 6.50%, GIC Housing Finance's valuation metrics suggest it remains an attractive investment opportunity within the housing finance sector. The company's ratios indicate a strong potential for recovery and growth, reinforcing its undervalued status in the current market.