GIC Housing Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 4.5x vs industry 33.1x)
- Regular dividends — yield 3.4%
- Near 52-week low — potential value zone (₹120)
Concerns
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 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 urges physical to demat share conversion
*GIC Housing Finance urges physical to demat share conversion.* The company has published a notice for shareholders to convert physical shares into demat mode. This is part of regulatory compliance and ease of trading. No immediate financial impact is expected. 📊 *STOCKS:* GICHSGFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Demat
GIC Housing Finance shares unchanged after postal ballot results.
*GIC Housing Finance shares unchanged after postal ballot results.* The company shared the scrutinizers' report and voting outcomes from its postal ballot with the exchange. No major financial or strategic decisions were disclosed. The update is procedural and does not impact near-term earnings or operations. 📊 *STOCKS:* $GICRE | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CapitalMarkets
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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