ScoreWhy is GIC Housing Finance Ltd ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.32%
- Poor long term growth as Net Sales has grown by an annual rate of -1.64% and Operating profit at -4.09%
2
Flat results in Sep 25
- OPERATING CF(Y) Lowest at Rs -17.53 Cr
- PAT(9M) At Rs 100.92 cr has Grown at -21.88%
3
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -0.53% over the previous quarter and collectively hold 7.67% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
4
Below par performance in long term as well as near term
- Along with generating -26.34% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is GIC Housing Fin for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
GIC Housing Fin
-25.32%
-0.97
27.23%
Sensex
4.55%
0.45
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
13
Price to Book Value
0.45
EV to EBIT
11.36
EV to EBITDA
11.19
EV to Capital Employed
0.90
EV to Sales
9.05
PEG Ratio
NA
Dividend Yield
2.70%
ROCE (Latest)
7.91%
ROE (Latest)
7.54%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
DPS(Y)
Highest at Rs 4.50
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 168.25 cr
PBT LESS OI(Q)
At Rs 61.07 cr has Grown at 32.65%
PAT(Q)
At Rs 50.03 cr has Grown at 37.0%
EPS(Q)
Highest at Rs 9.29
-8What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -17.53 Cr
PAT(9M)
At Rs 100.92 cr has Grown at -21.88%
Loading Valuation Snapshot...
Here's what is working for GIC Housing Fin
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 61.07 cr has Grown at 32.65%
Year on Year (YoY)MOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 50.03 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 50.03 cr has Grown at 37.0%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 9.29
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 168.25 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per Share (DPS) - Annually
Highest at Rs 4.50
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for GIC Housing Fin
Operating Cash Flow - Annually
Lowest at Rs -17.53 Cr and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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