GIC Housing Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 4.8x vs industry 37.5x)
- Trading below book value (P/B 0.4x)
- Regular dividends — yield 3.2%
Concerns
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
GICHSGFIN · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% |
| FII | 3.28% | 3.18% | 2.64% | 2.91% | 2.46% | 2.18% |
| DII | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% |
| Public | 48.40% | 48.52% | 49.04% | 48.79% | 49.24% | 49.52% |
Corporate Events
To consider and approve the financial results for the period ended March 31, 2026, dividend, Fund Raising and other business matters
Dividend - Rs 4.50 Per Share
Dividend - Rs 4.50 Per Share
Dividend - Rs 4.50 Per Share
Latest News
All newsGIC Housing Finance appoints new Chief Compliance Officer
*GIC Housing Finance appoints new Chief Compliance Officer* — Shri Asit Kumar Nandi has joined as Chief Compliance Officer. This is a routine management appointment. No immediate financial impact expected. 📊 *STOCKS:* $GICHF | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #ManagementChange
GIC Housing Finance publishes newspaper notice for compliance.
*GIC Housing Finance publishes newspaper notice for compliance.* This is a routine regulatory disclosure as per NSE guidelines. **No financial or operational update** was provided. Such filings are standard practice and do not impact business operations. 📊 *STOCKS:* $GICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Compliance
GIC Housing Finance updates compliance officer details
GIC Housing Finance filed updated compliance officer details with SEBI for the quarter ended 30.06.2026. There is **no change** in the Registrar and Transfer Agent (RTA). *GIC Housing Finance updates compliance officer details*. 📊 *STOCKS:* GICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Regulation
GIC Housing Finance publishes newspaper notice
*GIC Housing Finance publishes newspaper notice* as part of regulatory compliance. The filing contains no financial figures or operational updates. Traders should note it as a routine disclosure. No immediate market-moving information was revealed. 📊 *STOCKS:* GICHFL | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CorporateFiling
LIC discloses stake in GIC Housing Finance
*LIC discloses stake in GIC Housing Finance* as per SEBI takeover regulations. The filing is a routine disclosure under Regulation 29(2) of SEBI (SAST) Rules, 2011. No change in shareholding pattern or control is indicated. **No financial impact** expected from this disclosure. 📊 *STOCKS:* GICHHFL | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #regulatory
Financials
Quarterly Results
| Metric | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹44 Cr 12.0% | ₹50 Cr 614.3% | ₹7 Cr 80.0% | ₹35 Cr 30.0% | ₹50 Cr 35.1% | ₹37 Cr 5.1% | ₹39 Cr 27.8% | ₹54 Cr |
| EPS (₹) | 8.11 12.7% | 9.29 573.2% | 1.38 78.9% | 6.54 29.1% | 9.23 36.1% | 6.78 6.4% | 7.24 27.4% | 9.97 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Expenses | ₹226 Cr 49.7% | ₹151 Cr 7.9% | ₹140 Cr 11.1% | ₹126 Cr 41.7% | ₹216 Cr |
| Op. Profit | — | — | — | — | — |
| OPM | — | — | — | — | — |
| Other Income | ₹1 Cr 133.3% | ₹-3 Cr 130.0% | ₹10 Cr 66.7% | ₹6 Cr 20.0% | ₹5 Cr |
| Interest | ₹687 Cr 2.3% | ₹703 Cr 1.1% | ₹711 Cr 1.1% | ₹703 Cr 0.1% | ₹702 Cr |
| Depreciation | ₹11 Cr 26.7% | ₹15 Cr 0.0% | ₹15 Cr 50.0% | ₹10 Cr 11.1% | ₹9 Cr |
| PBT | ₹159 Cr 23.2% | ₹207 Cr 1.5% | ₹204 Cr 29.7% | ₹290 Cr 26.1% | ₹230 Cr |
| Tax % | 3.0% 86.4% | 22.0% 15.4% | 26.0% 0.0% | 26.0% 4.0% | 25.0% |
| Net Profit | ₹155 Cr 3.1% | ₹160 Cr 6.0% | ₹151 Cr 29.1% | ₹213 Cr 22.4% | ₹174 Cr |
| EPS (₹) | 28.75 3.5% | 29.79 6.0% | 28.11 29.0% | 39.6 22.9% | 32.22 |
| Div Payout | 0.0% 100.0% | 15.0% 6.3% | 16.0% 45.5% | 11.0% 21.4% | 14.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Sep 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Liabilities | ||||||
| Equity Capital | ₹54 Cr 0.0% | ₹54 Cr 0.0% | ₹54 Cr 0.0% | ₹54 Cr 0.0% | ₹54 Cr 0.0% | ₹54 Cr |
| Reserves | ₹2.1K Cr 5.6% | ₹1.9K Cr 1.7% | ₹1.9K Cr 7.7% | ₹1.8K Cr 7.9% | ₹1.6K Cr 12.9% | ₹1.5K Cr |
| Borrowings | — | — | — | — | — | — |
| Other Liabilities | ₹74 Cr 19.4% | ₹62 Cr 3.3% | ₹60 Cr 5.3% | ₹57 Cr 7.5% | ₹53 Cr 0.0% | ₹53 Cr |
| Total Liabilities | ₹11.3K Cr 2.0% | ₹11.1K Cr 2.8% | ₹10.8K Cr 2.9% | ₹10.5K Cr 4.1% | ₹10.9K Cr 8.5% | ₹11.9K Cr |
Assets | ||||||
| Fixed Assets | ₹85 Cr 112.5% | ₹40 Cr 48.1% | ₹27 Cr 38.6% | ₹44 Cr 15.4% | ₹52 Cr 147.6% | ₹21 Cr |
| CWIP | ₹0 Cr | ₹0 Cr 100.0% | ₹11 Cr 10.0% | ₹10 Cr 11.1% | ₹9 Cr 69.0% | ₹29 Cr |
| Investments | ₹210 Cr 26.8% | ₹287 Cr 13.0% | ₹254 Cr 51.2% | ₹168 Cr 26.6% | ₹229 Cr 1535.7% | ₹14 Cr |
| Other Assets | ₹11.0K Cr 2.3% | ₹10.8K Cr 2.6% | ₹10.5K Cr 2.3% | ₹10.2K Cr 3.6% | ₹10.6K Cr 10.4% | ₹11.9K Cr |
| Total Assets | ₹11.3K Cr 2.0% | ₹11.1K Cr 2.8% | ₹10.8K Cr 2.9% | ₹10.5K Cr 4.1% | ₹10.9K Cr 8.5% | ₹11.9K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
| Operating CF | ₹-320 Cr 1677.8% | ₹-18 Cr 103.4% | ₹522 Cr 50.0% | ₹1.0K Cr 18.9% | ₹1.3K Cr |
| Investing CF | ₹52 Cr 159.8% | ₹-87 Cr 235.9% | ₹64 Cr 130.0% | ₹-213 Cr 7000.0% | ₹-3 Cr |
| Financing CF | ₹255 Cr 109.0% | ₹122 Cr 119.7% | ₹-619 Cr 50.0% | ₹-1.2K Cr 38.8% | ₹-892 Cr |
| Net Cash Flow | ₹-14 Cr 177.8% | ₹18 Cr 152.9% | ₹-34 Cr 91.7% | ₹-408 Cr 204.3% | ₹391 Cr |
| Free Cash Flow | ₹-325 Cr 1525.0% | ₹-20 Cr 103.9% | ₹518 Cr 50.0% | ₹1.0K Cr 19.0% | ₹1.3K Cr |
Values in ₹ Cr · Source: Screener.in
About GIC Housing Finance Limited
Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]
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