GIC Housing Finance Ltd
NSE: GICHSGFIN BSE: 511676
₹131.31
(-2.57%)
Wed, 01 Apr 2026, 08:41 am
Market Cap7.1B
PE Ratio5.19
Dividend3.33
Finance
Finance/Rental/Leasing
24.5KGIC Housing Finance Analysis
dividend
- Dividends per share have increased over the past 10 years.
- Dividends paid are well covered by earnings (2.2x coverage).
- Dividends per share have been stable in the past 10 years.
- GIC Housing Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- GIC Housing Finance's dividend is above the markets top 25% of dividend payers in India (3.08%).
health
- GIC Housing Finance's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
- GIC Housing Finance reports no customer deposits, loans are made up entirely of borrowed funds.
management
- Neera's remuneration is about average for companies of similar size in India.
- The average tenure for the GIC Housing Finance board of directors is less than 3 years, this suggests a new board.
- The average tenure for the GIC Housing Finance management team is less than 2 years, this suggests a new team.
misc
- GIC Housing Finance is not covered by any analysts.
past
- GIC Housing Finance's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
- GIC Housing Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
- GIC Housing Finance used its assets less efficiently than the IN Mortgage industry average last year based on Return on Assets.
- GIC Housing Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- GIC Housing Finance's 1-year earnings growth is negative, it can't be compared to the IN Mortgage industry average.
value
- GIC Housing Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).
- GIC Housing Finance's share price is below the future cash flow value, and at a substantial discount (> 40%).
- GIC Housing Finance is good value based on assets compared to the IN Mortgage industry average.
- GIC Housing Finance is good value based on earnings compared to the India market.
- GIC Housing Finance is overvalued based on earnings compared to the IN Mortgage industry average.
- GICHSGFIN underperformed the Mortgage industry which returned -26.3% over the past year.
- GICHSGFIN underperformed the Market in India which returned -14.5% over the past year.
- NSEI:GICHSGFIN is up 2.4% underperforming the Mortgage industry which returned 7.7% over the past month.
- NSEI:GICHSGFIN is up 2.4% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800