GIC Housing Fin

Why is GIC Housing Finance Ltd falling/rising?

As of 01-Sep, GIC Housing Finance Ltd's stock price is rising to Rs 142.20, driven by strong quarterly financial results and a trend reversal after previous declines. Despite past underperformance and reduced institutional stakes, the stock's appeal is bolstered by a high dividend yield and positive market activity.

As of 01-Sep, GIC Housing Finance Ltd's stock price is rising, currently at Rs 142.20, reflecting an increase of Rs 2.9 or 2.08%. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 2.84% today, indicating a positive trend in comparison to its peers. Additionally, the stock has experienced a trend reversal, gaining after two consecutive days of decline, which may suggest renewed investor interest.<BR><BR>The stock reached an intraday high of Rs 144.75, marking a 3.91% increase during the trading session. Furthermore, the company reported positive financial results for the quarter ending June 26, with a significant growth in profit before tax (PBT) by 184.01% and a 35.8% increase in profit after tax (PAT). The low debt-equity ratio of 4.33 times also reflects a strong financial position, which can attract investors.<BR><BR>Moreover, GIC Housing Finance Ltd offers a high dividend yield of 3.25%, making it appealing to income-focused investors. Despite a decline in delivery volume by 35.26% compared to the 5-day average, the stock remains liquid enough for trading, indicating that there is still sufficient market activity.<BR><BR>However, it is important to note that the stock has faced challenges, including a significant decline of 18.06% over the past year and underperformance against benchmarks over the last three years. Institutional investors have also reduced their stake, which may indicate a lack of confidence in the stock's long-term growth potential. Nonetheless, the recent positive performance and financial results have contributed to the current rise in the stock price.

Who are in the management team of GIC Housing Fin?

The management team of GIC Housing Fin includes Paul Lobo as Managing Director & CEO, along with a mix of executive and non-executive directors, such as Devesh Srivastava (Chairman) and several independent directors.

The management team of GIC Housing Fin includes the following members:<BR><BR>1. **Devesh Srivastava** - Chairman & Non Executive Director<BR>2. **Suchita Gupta** - Non Executive Director<BR>3. **Satyajit Tripathy** - Non Executive Director<BR>4. **Neerja Kapur** - Non Executive Director<BR>5. **Hitesh Joshi** - Non Executive Director<BR>6. **N S R Chandraprasad** - Independent Non Executive Director<BR>7. **AJIT KUMAR SAXENA** - Independent Non Executive Director<BR>8. **Rani Singh Nair** - Independent Non Executive Director<BR>9. **Vaijinath Gavarshetty** - Independent Non Executive Director<BR>10. **Kishore Garimella** - Independent Non Executive Director<BR>11. **S. J. Krishnan** - Independent Non Executive Director<BR>12. **Neelam Damodharan** - Independent Director<BR>13. **Paul Lobo** - Managing Director & CEO<BR>14. **Sunil Kakar** - Independent Director<BR>15. **Rashmi Raman Singh** - Non Executive Director<BR>16. **N. Ramaswamy** - Chairman & Additional Director<BR>17. **Rajeshwari Singh Muni** - Director<BR><BR>This team comprises a mix of executive and non-executive directors, with Paul Lobo serving as the Managing Director and CEO.

What does GIC Housing Fin do?

GIC Housing Finance Ltd is a micro-cap company focused on providing housing finance through direct lending to individuals and corporates in India. As of June 2026, it reported net sales of 267 Cr and a net profit of 10 Cr, with a market cap of INR 753 Cr.

Overview:<BR>GIC Housing Finance Ltd is a micro-cap company operating in the housing finance industry, primarily engaged in direct lending to individuals and corporates to promote housing activities in India.<BR><BR>History:<BR>Incorporated on December 12, 1989, as GIC Grih Vitta Limited, the company has maintained its focus on housing finance. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 267 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 10 Cr (Quarterly Results - Jun 2026)<BR>- Market Cap: INR 753 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 5.00<BR>- Industry P/E: 12<BR>- Dividend Yield: 3.18%<BR>- Debt Equity: 4.33<BR>- Return on Equity: 7.35%<BR>- Price to Book: 0.36<BR><BR>Contact Details:<BR>Address: Royal Insurance Build 6th Flr, 14 Jamshedji Tata Rd Churchgat Mumbai Maharashtra : 400020<BR>Tel: 91-22-2285 1765(5 Lines)<BR>Email: corporate@gichf.com<BR>Website: http://www.gichfindia.com

Who are the peers of the GIC Housing Fin?

GIC Housing Fin's peers include Home First Finan, Can Fin Homes, Aavas Financiers, and others. Ind Bank Housing has the highest 1-year return at 31.40%, while GIC Housing Fin's return is -19.32%.

Peers: The peers of GIC Housing Fin are Home First Finan, Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, Reliance Home, Ind Bank Housing, India Home Loans, Star Housing Fin, and SRG Housing.<BR><BR>Quality Snapshot: Excellent management risk is observed at Can Fin Homes, while Good management risk is found at Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin, and the rest have Below Average or do not qualify. Growth is Excellent at Home First Finan and INDIA SHELTE FIN, Average at Can Fin Homes and Aavas Financiers, Below Average at Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, and the rest, while SRG Housing shows Good growth. Capital Structure is Excellent at Home First Finan, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, India Home Loans, and SRG Housing, Good at Can Fin Homes, Average at Reliance Home, and the rest do not qualify.<BR><BR>Return Snapshot: Ind Bank Housing has the highest 1-year return at 31.40%, while Reliance Home has the lowest at -61.84%, with GIC Housing Fin's 1-year return at -19.32% being significantly worse than Ind Bank Housing's. Additionally, the six-month return is negative for Home First Finan, Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, Reliance Home, India Home Loans, Star Housing Fin, and SRG Housing.

How big is GIC Housing Fin?

As of 31st August, GIC Housing Finance Ltd has a market capitalization of 753.00 Cr, with Net Sales of 1083.63 Cr and a Net Profit of 157.48 Cr reported in the latest four quarters. The company has Shareholder's Funds of 2,106.40 Cr and Total Assets of 11,194.72 Cr as of March 2026.

As of 31st August, GIC Housing Finance Ltd has a market capitalization of 753.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, GIC Housing Finance Ltd reported Net Sales of 1083.63 Cr and a Net Profit of 157.48 Cr.<BR><BR>For the latest annual period ending in March 2026, the company had Shareholder's Funds amounting to 2,106.40 Cr and Total Assets of 11,194.72 Cr.

Which are the latest news on GIC Housing Fin?

Should I buy, sell or hold GIC Housing Finance Ltd?

Are GIC Housing Finance Ltd latest results good or bad?

GIC Housing Finance Ltd's latest results show a strong 52.50% increase in net profit for Q4 FY26, but revenue growth is weak at only 0.38%, raising concerns about sustainability. Overall, while profit growth is positive, the company's declining sales and underperformance in the market suggest a cautious outlook.

GIC Housing Finance Ltd's latest results present a mixed picture. On one hand, the company reported a significant increase in net profit for Q4 FY26, rising by 52.50% year-on-year to ₹53.68 crores. This is a positive indicator of profitability, especially given the context of a 22.87% sequential increase from the previous quarter. Additionally, the PAT margin improved substantially, expanding by 680 basis points to 19.83%.<BR><BR>However, revenue growth remains a concern, with only a marginal increase of 0.38% year-on-year, which raises questions about the sustainability of the profit growth. The company has also experienced a five-year decline in sales, which is troubling. Furthermore, the return on equity (ROE) is below average at 7.54%, indicating weak capital efficiency compared to industry standards.<BR><BR>The stock has underperformed significantly over the past year, declining by 18.26% while the broader market has only dropped by 8.84%. This underperformance, coupled with a lack of institutional support and concerns over asset quality transparency, suggests that while the recent quarterly profit growth is encouraging, the overall outlook for GIC Housing Finance is cautious. <BR><BR>In summary, the latest results show strong profit growth but are overshadowed by weak revenue performance and broader concerns about the company's competitive positioning and financial health.

Is GIC Housing Fin technically bullish or bearish?

As of December 1, 2025, GIC Housing Fin's technical trend is bearish with moderate strength, driven by negative signals from moving averages, MACD, and Bollinger Bands, despite a mildly bullish KST on the weekly timeframe.

As of 1 December 2025, the technical trend has changed from mildly bearish to bearish. The current technical stance for GIC Housing Fin is bearish with moderate strength. Key indicators driving this stance include the bearish signals from the daily moving averages and the monthly MACD, which is also bearish. Additionally, both the weekly and monthly Bollinger Bands confirm a bearish outlook. The KST shows a mildly bullish signal on the weekly timeframe, but overall, the lack of strong bullish indicators and the negative returns compared to the Sensex further support the bearish sentiment.

How has been the historical performance of GIC Housing Fin?

GIC Housing Fin has experienced a mixed financial performance over the past four years, with declining net sales, operating profit, and profitability metrics, while total liabilities and assets also decreased. Cash flow from operating activities significantly dropped, indicating reduced operational efficiency.

Answer:<BR>The historical performance of GIC Housing Fin shows a mixed trend in its financial metrics over the past four years.<BR><BR>Breakdown:<BR>GIC Housing Fin's net sales have fluctuated, with a peak of 1,149.78 Cr in March 2022, followed by a decline to 1,078.91 Cr in March 2025. Total operating income mirrored this trend, decreasing from 1,149.78 Cr in March 2022 to 1,078.91 Cr in March 2025. Operating profit (PBDIT) also saw a decline from 1,002.28 Cr in March 2023 to 937.73 Cr in March 2025, while profit before tax decreased from 289.85 Cr in March 2023 to 206.70 Cr in March 2025. Profit after tax followed a similar pattern, dropping from 213.25 Cr in March 2023 to 160.42 Cr in March 2025. The company's total liabilities decreased from 11,801.90 Cr in March 2022 to 10,702.88 Cr in March 2025, while total assets also declined from 11,801.90 Cr to 10,702.88 Cr over the same period. Cash flow from operating activities decreased significantly from 1,043 Cr in March 2023 to 522 Cr in March 2024, indicating a reduction in operational efficiency. Overall, while GIC Housing Fin has maintained a stable equity capital and reserves, its profitability and cash flow have shown a downward trend in recent years.

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.<BR><BR>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.

Who are the top shareholders of the GIC Housing Fin?

The top shareholders of GIC Housing Finance include the General Insurance Corporation of India with 15.26%, Life Insurance Corporation of India at 5.89%, and individual investors holding 37.61%. Additionally, 40 foreign institutional investors own 2.18%, with no pledged promoter holdings or mutual fund investments.

The top shareholders of GIC Housing Finance include the General Insurance Corporation of India, which holds the largest stake at 15.26%. Following that, Life Insurance Corporation of India is the highest public shareholder with a holding of 5.89%. Additionally, individual investors collectively hold 37.61% of the shares. The company also has 40 foreign institutional investors (FIIs) with a combined holding of 2.18%. There are no pledged promoter holdings, and mutual funds currently do not hold any shares in the company.

When is the next results date for GIC Housing Fin?

No Upcoming Board Meetings

Has GIC Housing Fin declared dividend?

GIC Housing Finance Ltd has declared a 45% dividend, amounting to ₹4.5 per share, with an ex-date of June 28, 2024. While recent returns have been negative, the company has shown significant total returns over longer periods, particularly a 196.04% total return over the past five years.

GIC Housing Finance Ltd has declared a 45% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 45%<BR>- Amount per share: 4.5<BR>- Ex-date: Jun-28-2024<BR><BR>Dividend Yield: 2.36%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -12.13%, the dividend return was 0%, resulting in a total return of -12.13%.<BR><BR>Over the past year, the price return was -7.5%, the dividend return was 1.90%, leading to a total return of -5.6%.<BR><BR>In the 2-year period, there was a price return of 13.41%, a dividend return of 5.08%, culminating in a total return of 18.49%.<BR><BR>For the 3-year period, the price return was 50.91%, the dividend return was 11.45%, resulting in a total return of 62.36%.<BR><BR>In the last 4 years, the price return was 29.59%, the dividend return was 11.55%, leading to a total return of 41.14%.<BR><BR>Finally, over the 5-year period, the price return was 176.26%, the dividend return was 19.78%, resulting in a total return of 196.04%.<BR><BR>Overall, GIC Housing Finance Ltd has declared a substantial dividend, and despite some negative returns in the short term, the long-term performance shows significant total returns, particularly over the 5-year period.