Is GIC Housing Fin overvalued or undervalued?
As of November 10, 2025, GIC Housing Finance is considered a very attractive investment due to its undervalued metrics, including a PE ratio of 6.68 and a Price to Book Value of 0.47, despite a year-to-date return of -16.43% compared to the Sensex's 6.91%.
As of 10 November 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 undervalued, with a PE ratio of 6.68, a Price to Book Value of 0.47, and an EV to EBITDA ratio of 11.15. These ratios suggest that GIC Housing Finance is trading at a discount compared to its peers.In comparison to its industry peers, GIC Housing Finance's PE ratio is notably lower than HUDCO's 16.8 and LIC Housing Finance's 5.68, both of which are considered very attractive. Additionally, the PEG ratio of GIC Housing Finance stands at 0.00, indicating strong growth potential relative to its price. Despite recent underperformance against the Sensex, with a year-to-date return of -16.43% compared to the Sensex's 6.91%, the company's valuation metrics suggest it presents a compelling investment opportunity at its current price of 170.20.
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