GIC Housing Finance

Market Cap (₹ Cr.)

₹1,304

52 Week High

292.40

Book Value

₹340

52 Week Low

181.00

PE Ratio

8.23

PB Ratio

0.71

PE for Sector

21.43

PB for Sector

-5.61

ROE

8.28 %

ROCE

8.89 %

Dividend Yield

1.86 %

EPS

₹29.43

Industry

Finance

Sector

Finance - Housing

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

-5.25 %

Net Income Growth

-29.03 %

Cash Flow Change

-49.95 %

ROE

-34.05 %

ROCE

-4.06 %

EBITDA Margin (Avg.)

-2.12 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	199	205	216	223	233	235	247	253	267	275	269	276	293	293	302	306	324	312	313	313	317	306	316	312	307	274	300	293	290	276	281	284	287	271	270	263	266	277
Expenses	24	17	20	23	23	23	26	29	29	43	30	29	24	25	28	32	29	50	44	56	41	161	77	39	2	88	61	20	48	53	30	16	28	42	47	41	10	53
EBITDA	175	187	195	200	210	212	221	224	238	232	239	247	269	268	273	274	296	262	269	257	276	146	238	273	305	186	239	273	242	224	251	268	259	229	224	222	255	225
Operating Profit %	88 %	92 %	91 %	90 %	90 %	90 %	90 %	89 %	89 %	84 %	89 %	89 %	92 %	91 %	91 %	89 %	91 %	84 %	86 %	82 %	87 %	47 %	75 %	88 %	99 %	68 %	79 %	93 %	83 %	81 %	89 %	94 %	90 %	84 %	82 %	84 %	96 %	80 %
Depreciation	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	1	1	4	1	1	1	1	1	1	3	3	2	2	2	3	4	4	4	4	4
Interest	136	144	149	153	155	162	168	172	166	169	175	183	187	199	212	225	230	242	242	233	229	222	211	201	189	184	179	172	166	170	176	178	178	183	179	176	172	174
Profit Before Tax	38	44	46	47	55	50	53	53	71	63	64	64	82	69	62	49	66	19	27	23	43	-78	27	71	114	1	58	98	73	51	73	88	78	42	41	42	79	47
Tax	13	14	15	16	17	16	18	19	23	26	23	23	23	23	21	19	16	14	6	11	12	11	16	18	7	14	19	19	12	17	17	16	-16	9	12	9	13	12
Net Profit	27	28	30	31	36	32	34	34	47	46	47	46	66	49	46	35	51	15	-10	14	26	-56	21	61	80	3	45	77	49	39	56	65	52	32	30	36	54	39
EPS in ₹	4.95	5.25	5.53	5.68	6.66	6.00	6.38	6.39	8.66	8.58	8.68	8.59	12.33	9.18	8.58	6.50	9.47	2.77	-1.85	2.64	4.91	-10.35	3.83	11.32	14.80	0.52	8.40	14.21	9.10	7.28	10.46	12.15	9.71	5.91	5.60	6.61	9.95	7.23

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	6,721	8,021	9,404	11,147	12,970	13,099	12,641	11,929	10,920	10,470
Fixed Assets	3	2	2	2	3	19	16	21	52	44
Current Assets	354	410	470	79	77	134	122	532	216	188
Capital Work in Progress	0	0	0	0	0	13	29	29	9	10
Investments	0	0	0	13	14	14	14	15	230	169
Other Assets	6,718	8,019	9,402	11,132	12,953	13,053	12,581	11,864	10,629	10,248
Total Liabilities	6,060	7,290	8,566	10,028	11,716	11,836	11,283	10,418	9,221	8,642
Current Liabilities	1,500	1,561	1,800	937	1,298	815	805	597	401	454
Non Current Liabilities	4,561	5,729	6,766	9,091	10,418	11,021	10,478	9,821	8,820	8,188
Total Equity	660	732	838	1,118	1,254	1,263	1,358	1,511	1,699	1,829
Reserve & Surplus	606	678	784	1,064	1,200	1,209	1,304	1,457	1,645	1,775
Share Capital	54	54	54	54	54	54	54	54	54	54

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	3	9	10	-5	-5	62	-24	390	-407	-34
Investing Activities	1	2	-16	2	1	-11	-14	-4	-213	64
Operating Activities	-1,103	-1,167	-1,178	-1,721	-1,645	22	548	1,286	1,044	522
Financing Activities	1,105	1,174	1,203	1,715	1,639	51	-558	-892	-1,238	-619

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %	42.41 %
FIIs	0.14 %	0.15 %	0.36 %	1.35 %	1.41 %	1.78 %	1.85 %	2.33 %	2.22 %	2.04 %	3.62 %	3.28 %	3.18 %	2.64 %
DIIs	6.90 %	6.90 %	0.00 %	6.34 %	6.34 %	6.34 %	6.34 %	6.34 %	6.34 %	6.34 %	6.34 %	5.90 %	5.90 %	5.90 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	50.56 %	50.54 %	57.23 %	49.90 %	49.84 %	49.48 %	49.40 %	48.92 %	49.04 %	49.21 %	47.63 %	48.41 %	48.51 %	49.05 %

Show % Change

Dividend History

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Housing Finance	154.17	1,32,092.73	75.53	7,617.71	34.46	1,731	46,062.86	-
HUDCO	236.95	48,425.96	21.73	7,948.10	12.16	2,117	25.15	35.55
LIC Housing Finance	665.10	37,712.32	7.94	27,277.80	20.02	4,760	-0.96	43.63
PNB Housing Finance	997.75	25,848.81	16.22	7,057.09	8.08	1,508	24.61	51.24
Aadhar Housing Finance	506.95	21,940.31	27.30	2,586.98	26.59	750	36.79	74.00
Aptus Value Housing Finance	368.05	18,076.23	28.19	1,416.84	24.98	612	20.73	71.80
Aavas Financiers	1,888.25	15,004.06	30.59	2,020.69	25.46	491	14.81	63.49
Sammaan Capital	171.53	12,386.66	9.93	8,624.77	-1.16	1,217	11.00	51.87
Home First Finance Company	1,302.90	11,891.44	36.66	1,156.55	45.37	306	26.98	66.60
Can Fin Homes	868.05	11,468.56	14.96	3,524.70	28.49	751	8.83	49.94