GIC Housing Finance Ltd
GICHSGFINGIC Housing Finance Ltd
GICHSGFIN
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
LowUndervalued compared to the market average
Growth
AvgFinancials growth has been moderate for a few years
Profitability
HighShowing good signs of profitability & efficiency
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 6.10 | 0.65 | 2.21% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.83 | 2.42 | 0.96% |
Forecast & Ratings
Detailed ForecastPrice
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
GIC Housing Finance Ltd. is engaged in the housing finance business. The Company's primary business is granting housing loans to individuals and to persons/entities engaged in construction of houses or flats for residential purposes.
Peers
Compare with peersLIC Housing Finance Ltd
PNB Housing Finance Ltd
Aptus Value Housing Finance India Ltd
Aavas Financiers Ltd
Can Fin Homes Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
Hmm, looks like data is unavailable here. Please come back after some timeRevenue Forecast
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Hmm, looks like data is unavailable here. Please come back after some timeIncome
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2015 | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 732.74 | 876.37 | 1,001.74 | 1,111.86 | 1,227.65 | 1,254.91 | 1,240.33 | 1,156.40 | 1,128.90 | 1,112.93 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 851.78 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 19.56 | 22.59 | 25.95 | 29.41 | 32.90 | 42.53 | 43.46 | 48.20 | 59.93 | |||||||||||
| Selling & Administrative Expenses | — | — | — | — | — | — | — | 34.64 | 43.20 | |||||||||||
| Operating & Other expenses | 555.97 | 661.85 | 747.99 | 807.52 | 946.97 | 1,093.98 | 1,057.84 | 834.51 | 725.98 | |||||||||||
EBITDA | 157.21 | 191.93 | 227.80 | 274.93 | 247.78 | 118.40 | 139.03 | 239.05 | 299.79 | 261.15 | ||||||||||
| Depreciation/Amortization | 3.51 | 0.82 | 0.70 | 0.64 | 0.72 | 6.13 | 4.48 | 8.71 | 9.94 | 12.76 | ||||||||||
| PBIT | 153.70 | 191.11 | 227.10 | 274.29 | 247.06 | 112.27 | 134.55 | 230.34 | 289.85 | 248.39 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 153.70 | 191.11 | 227.10 | 274.29 | 247.06 | 112.27 | 134.55 | 230.34 | 289.85 | 248.39 | ||||||||||
| Taxes & Other Items | 50.74 | 66.61 | 79.37 | 68.65 | 75.25 | 66.66 | 28.98 | 56.83 | 76.60 | 68.59 | ||||||||||
| Net Income | 102.96 | 124.50 | 147.73 | 205.64 | 171.81 | 45.61 | 105.57 | 173.51 | 213.25 | 179.80 | ||||||||||
| EPS | 19.10 | 23.11 | 27.43 | 38.18 | 31.89 | 8.46 | 19.59 | 32.20 | 39.59 | 33.39 | ||||||||||
| DPS | 5.00 | 5.00 | 5.00 | 5.50 | 5.50 | 2.00 | 4.00 | 4.50 | 4.50 | 4.50 | ||||||||||
| Payout ratio | 0.26 | 0.22 | 0.18 | 0.14 | 0.17 | 0.24 | 0.20 | 0.14 | 0.11 | 0.13 |
Company Updates
Annual report
PDFAnnual report
PDFAnnual report
PDFAnnual report
PDFAnnual report
PDFPeers & Comparison
FinancialsHome Financing
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| GIC Housing Finance Ltd | 5.14 | 0.65 | 2.21% |
| LIC Housing Finance Ltd | 9.11 | 0.97 | 1.78% |
| PNB Housing Finance Ltd | 19.83 | 1.88 | — |
| Aptus Value Housing Finance India Ltd | 28.48 | 4.29 | 0.70% |
Price Comparison
Compare GICHSGFIN with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Decreased Total Retail Holding
In last 3 months, retail holding in the company has decreased by 2.37%
Increased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has increased by 1.58%
Shareholding Pattern
Dec 2022
Mar 2023
Jun 2023
Sep 2023
Shareholding History
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
Dividend Yield
Current dividend yield is 2.20%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹22.00 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateAug 25, 2023
Dividend/Share
₹4.50
Ex DateEx Date
Aug 25, 2023
Cash Dividend
Ex DateEx DateSep 1, 2022
Dividend/Share
₹4.50
Ex DateEx Date
Sep 1, 2022
Cash Dividend
Ex DateEx DateSep 16, 2021
Dividend/Share
₹4.00
Ex DateEx Date
Sep 16, 2021
Cash Dividend
Ex DateEx DateDec 3, 2020
Dividend/Share
₹2.00
Ex DateEx Date
Dec 3, 2020
Cash Dividend
Ex DateEx DateSep 12, 2019
Dividend/Share
₹5.50
Ex DateEx Date
Sep 12, 2019
News & Opinions
Stocks to watch on August 7, 2023
3 months ago•The Hindu Businessline
GIC Housing Finance drops 4% as Q4 result fails to enthuse investors
6 months ago•Moneycontrol
GIC Housing Fin Consolidated March 2023 Net Sales at Rs 281.17 crore, down 2.45% Y-o-Y
6 months ago•Moneycontrol
GIC Housing Fin Standalone December 2022 Net Sales at Rs 280.81 crore, down 3.71% Y-o-Y
9 months ago•Moneycontrol
GIC Housing Finance standalone net profit declines 14.53% in the December 2022 quarter
9 months ago•Business Standard
GIC Housing Finance to issue 2-month CP - traders
11 months ago•Economic Times
Stocks to watch: Titan, Dr Reddy’s, Nelco, IOC, GIC Housing, Torrent Pharma
1 year ago•Business Standard
Lower than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 0.3%, vs industry avg of 10.71%
Decreasing Market Share
Over the last 5 years, market share decreased from 0.81% to 0.54%
Lower than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 0.73%, vs industry avg of 14.57%