GIC Housing Fin

Market Cap: Micro Cap
Industry: Housing Finance Company
ISIN: INE289B01019
NSEID: GICHSGFIN
BSEID: 511676
View on NSE | View on BSE

INR

142.72

0.77 (0.54%)

BSENSE

Sep 02, 11:49 AM

BSE+NSE Vol: 71.4 k

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Home First Finan

Aavas Financiers

Can Fin Homes

INDIA SHELTE FIN

Repco Home Fin

Ind Bank Housing

SRG Housing

GIC Housing Fin

Star Housing Fin

India Home Loans

Reliance Home

Why is GIC Housing Finance Ltd ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 9.19%

Poor long term growth as Net Sales has grown by an annual rate of -1.51% and Operating profit at -2.23%

Falling Participation by Institutional Investors

Institutional investors have decreased their stake by -2.47% over the previous quarter and collectively hold 3.94% of the company
These investors have better capability and resources to analyse fundamentals of companies than most retail investors

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -18.96% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

GIC Housing Fin

-18.2%

-0.80

23.35%

Sensex

-4.86%

-0.36

13.39%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-1.51%

EBIT Growth (5y)

-2.23%

Net Debt to Equity (avg)

4.33

Institutional Holding

3.94%

ROE (avg)

9.19%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.36

EV to EBIT

11.15

EV to EBITDA

10.99

EV to Capital Employed

0.88

EV to Sales

9.08

PEG Ratio

0.33

Dividend Yield

3.17%

ROCE (Latest)

7.56%

ROE (Latest)

7.35%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

PBT LESS OI(Q)

At Rs 17.13 cr has Grown at 184.01%

DEBT-EQUITY RATIO(HY)

Lowest at 4.33 times

PAT(Q)

At Rs 10.08 cr has Grown at 35.8%

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Loading Valuation Snapshot...

Here's what is working for GIC Housing Fin

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 17.13 cr has Grown at 184.01%

Year on Year (YoY)

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 10.08 cr has Grown at 35.8%

Year on Year (YoY)

MOJO Watch

Near term PAT trend is positive

PAT (Rs Cr)

Debt-Equity Ratio - Half Yearly

Lowest at 4.33 times

in the last five half yearly periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio