GIC Housing Fin

how big is GIC Housing Fin?

As of Jun 06, GIC Housing Finance Ltd has a market capitalization of 1,050.63 Cr and reported net sales of 1,078.91 Cr with a net profit of 160.42 Cr for the latest four quarters. Shareholder's funds are 1,828.83 Cr, and total assets amount to 10,396.42 Cr.

Market Cap: <BR>As of Jun 06, GIC Housing Finance Ltd has a market capitalization of 1,050.63 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: <BR>For the latest four quarters, GIC Housing Finance Ltd reported net sales of 1,078.91 Cr and a net profit of 160.42 Cr. This data is consolidated.<BR><BR>Balance Sheet Snapshot: <BR>The balance sheet data is consolidated and pertains to the latest annual period ending in Mar 24. Shareholder's funds are reported at 1,828.83 Cr, while total assets amount to 10,396.42 Cr.

When is the next results date for GIC Housing Fin?

No Upcoming Board Meetings

What does GIC Housing Fin do?

GIC Housing Finance Ltd is a small-cap company in India that provides direct housing finance to individuals and corporates. As of March 2025, it reported net sales of ₹272 Cr and a net profit of ₹35 Cr, with a market cap of ₹1,055 Cr.

Overview: <BR>GIC Housing Finance Ltd is a small-cap company operating in the housing finance industry, primarily engaged in direct lending to individuals and corporates to support housing activities in India.<BR><BR>History: <BR>GIC Housing Finance Ltd was incorporated on December 12, 1989, originally named GIC Grih Vitta Limited. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 272 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 35 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 1,055 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 6.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 2.36% <BR>Debt-Equity: 4.45 <BR>Return on Equity: 8.59% <BR>Price to Book: 0.52 <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

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.

Who are the peers of the GIC Housing Fin?

GIC Housing Fin's peers include Bajaj Housing, LIC Housing Fin., PNB Housing, and others, with varying management and growth risks. GIC Housing Fin has below-average management risk and a 1-year return of -11.76%.

Peers: The peers of GIC Housing Fin are Bajaj Housing, LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., SRG Housing, Star Housing Fin, Reliance Home, Ruparel Food, and India Home Loans.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou., while Good management risk is found at LIC Housing Fin. Average management risk is present at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., SRG Housing, and the rest. Below Average management risk is noted at GIC Housing Fin, Star Housing Fin, Reliance Home, and Ruparel Food. In terms of Growth, Excellent growth is seen at Bajaj Housing and Star Housing Fin, Good growth is noted at Aadhar Hsg. Fin. and Aptus Value Hou., while Below Average growth is found at LIC Housing Fin., PNB Housing, GIC Housing Fin., Reliance Home, and the rest. Capital Structure is Excellent for Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., PNB Housing, SRG Housing, and Ruparel Food, while Average is noted at LIC Housing Fin. and Reliance Home, and GIC Housing Fin. has an Excellent capital structure.<BR><BR>Return Snapshot: PNB Housing has the highest 1-year return at 45.11%, while Star Housing Fin has the lowest at -29.43%. GIC Housing Fin's 1-year return is -11.76%, which is higher than Star Housing Fin's but lower than PNB Housing's. Additionally, Bajaj Housing, Aptus Value Hou., GIC Housing Fin, Reliance Home, and Ruparel Food all have negative six-month returns.

Who are in the management team of GIC Housing Fin?

As of March 2023, the management team of GIC Housing Fin includes Chairman Devesh Srivastava, Managing Director & CEO Paul Lobo, and a mix of non-executive and independent directors, totaling 17 members. This diverse team oversees the company's governance and operations.

As of March 2023, the management team of GIC Housing Fin includes the following individuals:<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 diverse team includes a mix of executive and non-executive directors, with various independent directors contributing to the governance of the company.

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.

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.

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 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.

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 are unfavorable, showing a 12.67% decline in net profit to ₹43.69 crore and a significant drop in profit margins, indicating ongoing financial challenges and weak performance trends.

GIC Housing Finance Ltd's latest results indicate a challenging financial situation. In Q3 FY26, the company reported a net profit of ₹43.69 crore, which represents a decline of 12.67% quarter-on-quarter and 12.11% year-on-year. This drop in profitability is concerning, especially given the backdrop of a marginal revenue increase of only 0.40% QoQ and 1.25% YoY, totaling ₹272.63 crore.<BR><BR>The profit after tax (PAT) margin also compressed significantly to 16.27%, down from 18.79% in the previous quarter, highlighting ongoing margin pressures. Additionally, the average return on equity (ROE) of 10.32% is below the peer average, raising concerns about the company's ability to generate adequate returns on shareholder capital.<BR><BR>Overall, the results reflect a continuation of weak performance trends, with investor sentiment remaining cautious. The company's financial metrics suggest it is struggling to maintain profitability momentum in a competitive housing finance market. Given these factors, the latest results can be characterized as unfavorable.

Why is GIC Housing Finance Ltd falling/rising?

As of 04-Mar, GIC Housing Finance Ltd's stock price is at Rs. 149.90, having fallen to a new 52-week low and showing a year-to-date decline of 13.70%. The stock is underperforming against market benchmarks and experiencing decreased investor participation, indicating a bearish trend.

As of 04-Mar, GIC Housing Finance Ltd's stock price is falling, currently at Rs. 149.90, reflecting a decrease of Rs. 1.2 or 0.79%. The stock has reached a new 52-week low of Rs. 148 today and has been on a consecutive decline for the last two days, resulting in a total drop of 2.63% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>In terms of performance relative to the market, GIC Housing Finance has underperformed over various time frames, with a year-to-date decline of 13.70%, compared to a 7.16% drop in the benchmark Sensex. Over the past month, the stock has decreased by 8.90%, while the Sensex fell by 5.61%. The finance sector, specifically housing, has also seen a decline of 2.11%, contributing to the negative sentiment surrounding the stock.<BR><BR>Investor participation appears to be waning, as evidenced by a drop in delivery volume, which fell by 5.61% against the 5-day average. This decline in trading activity may further indicate a lack of confidence among investors. Overall, the combination of reaching a new low, underperformance against benchmarks, and decreasing investor participation suggests that GIC Housing Finance Ltd's stock is experiencing downward pressure.

Which are the latest news on GIC Housing Fin?