GIC Housing Finance Ltd.

₹163.19

2.6 (1.6%)

GICHSGFIN Share Price

Finance

As on January 28, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryHousing Finance Company

Market Cap₹ 871 Cr

P/E Ratio5.49

Dividend Yield0.28 %

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	162.7	Bullish
10-DMA	165.21	Bearish
20-DMA	169.83	Bearish
50-DMA	169.92	Bearish
100-DMA	171.72	Bearish
200-DMA	178.73	Bearish

Historical Performance

1 Year

-9.1%

3 Years

-15.5%

5 Years

39.4%

10 Years

-26.2%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Other Income	100	125	1,589	66
Operating Profit	9,380	9,299	10,027	9,406
Interest	7,033	7,107	7,029	7,016
Depreciation	150	150	99	87
Profit Before Tax	2,067	2,042	2,898	2,303
Consolidated Net Profit	1,604	1,514	2,132	1,735
Adjusted EPS	30	28	40	32

Compounded Sales Growth

10 Years:4.3

5 Years:-2.9

3 Years:-1.3

TTM:0.4

Compounded Profit Growth

10 Years:5.2

5 Years:28.6

3 Years:-1.6

TTM:1.2

Stock Price CAGR

10 Years:-3

5 Years:6.4

3 Years:-5.5

TTM:-11.3

Return on Equity

10 Years:23.1

5 Years:19.6

3 Years:39.6

last year:29.7

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Share Capital	539	539	539	539
Total Reserves	19,110	17,750	16,454	14,569
Minority Interest	---	---	---	---
Total Non-Current Liabilities	55,860	54,948	87,259	96,891
Total Liabilities	1,07,029	1,03,964	1,08,350	1,18,019
Capital Work in Progress	---	---	---	---
Total Assets	1,07,029	1,03,964	1,08,350	1,18,019

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of 5.49, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a weak 3-year price CAGR of -5.5%, indicating poor shareholder returns.
The stock carries a beta of 0.9, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹9377 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹10789 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 886613.1

No. of Shares: 5433 (Approx)

Performance:-11.3%

P/L: ₹-113386.9

NIFTY Performance: 9.4%

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