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. Based on the current analysis, the company appears to be undervalued. Key ratios include a PE ratio of 6.76, a Price to Book Value of 0.47, and an EV to EBITDA of 11.16, which suggest that the stock is trading at a lower valuation compared to its peers.
When comparing GIC Housing Finance to its peers, HUDCO is classified as very expensive with a PE ratio of 16.55, while LIC Housing Finance is rated very attractive with a PE of 5.69. This indicates that GIC Housing Finance is positioned favorably within the market, particularly given its lower valuation metrics. Additionally, despite recent underperformance relative to the Sensex, with a year-to-date return of -15.54% compared to the Sensex's 6.50%, the fundamental ratios suggest potential for recovery and growth in value.