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 -1.23% and Operating profit at -4.24%
2
Flat results in Dec 25
- PAT(Q) At Rs 43.69 cr has Fallen at -12.1%
3
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -0.54% over the previous quarter and collectively hold 7.13% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -9.12% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
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
-9.85%
-0.37
24.35%
Sensex
8.53%
0.75
11.73%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
11
Price to Book Value
0.40
EV to EBIT
11.34
EV to EBITDA
11.18
EV to Capital Employed
0.89
EV to Sales
8.94
PEG Ratio
NA
Dividend Yield
3.00%
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
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 168.25 cr
NET SALES(Q)
Highest at Rs 272.63 cr
EPS(Q)
Highest at Rs 10.00
-3What is not working for the Company
PAT(Q)
At Rs 43.69 cr has Fallen at -12.1%
Loading Valuation Snapshot...
Here's what is working for GIC Housing Fin
Net Sales - Quarterly
Highest at Rs 272.63 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 10.00
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
Here's what is not working for GIC Housing Fin
Profit After Tax (PAT) - Quarterly
At Rs 43.69 cr has Fallen at -12.1%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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