GIC Housing Finance Ltd.

GICHSGFIN

₹181.98

-0.43% (-0.78)

Market Cap

₹983 Cr.

P/E

5.50

About

GIC Housing Finance Ltd. was formed with the objective of entering in the field of direct lending to individuals and other corporates to accelerate the housing activities in India. The primary busines… Read more

GIC Housing Finance Ltd. was formed with the objective of entering in the field of direct lend… Read more

Low

156

52W Range

High

278

Timeline

Key company specific updates

Company Timeline

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Forensics

7 Yes

Positive for this company

1 Neutral

Neutral for this company

7 No

Negative for this company

0 No Data

Insufficient data to analyse

Accounting & Shareholding

Contingent Liabilities

Company does not have significant contingent liabilities
Other Income

Other income is not affecting ratios of the company
Pledge

Promoters have not pledged a significant portion of their holding
Promoter Holding

Promoter has not sold any shares in the last 90 days
Retail Holding

Retail has been buying the stock which is usually a sign of exuberance

Price & Performance

ROE

Asset turnover is responsible for roe increase over last 10 years
Share price

Share price has increased over last 10 years due to earnings
Current vs Historic Valuation

Company is trading at a discount to 3yr historic valuations
Balance Sheet - Strength

Latest bs is strong. the strength was visible historically as well.
Cost Of Borrowing

Cost of borrowing of the company seems to be trending up
Net Interest Margin

Net interest margin of the company is trending down
Net NPA

Npa's of the company is currently high
Sales Growth

Sales of the company has grown at a slow pace
Margin Stability

Margins of the company are volatile
ROE Stregth

Roe of the company is not consistently strong

Market Share

1 %

(as of Mar 19)

Historic

Housing Loan - Market Share

Revenue mix

Product Wise Break-Up

Location Wise Break-Up

Borrowing Break-Up - NBFC

AUM Break-Up - NBFC

Operational Metrics

Net Interest Margin (%)
Source
Cost To Income Ratio (%)
Source
Cost of Borrowing (%)
Source
Capital to Risks Assets Ratio (CRAR) (%)
Source
Gross NPA (%)
Net NPA (%)
Source

Peer Comparison

Corporate Actions

Consolidated

DATE

DETAILS

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FAQs on GIC Housing Finance Ltd. Business

What does GIC Housing Fin do?

GIC Housing Finance Ltd. specializes in providing housing loans to individuals and entities involved in residential construction to boost housing activities in India.

Who are the competitors of GIC Housing Fin?

GIC Housing Fin major competitors are SRG Housing, Star Housing Finance, Reliance Home Financ, India Home Loan, Repco Home Finance, Can Fin Homes, Sammaan Capital.
Market Cap of GIC Housing Fin is ₹965 Crs.
While the median market cap of its peers are ₹525 Crs.

Is GIC Housing Fin financially stable compared to its competitors?

GIC Housing Fin seems to be less financially stable compared to its competitors.
Altman Z score of GIC Housing Fin is 0.65 and is ranked 6 out of its 8 competitors.

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Global Leaders

Companies with a dominant global position in a product. Might be a sign of very strong moat.

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Discussions & Analysis

GIC Housing Finance Ltd.

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GIC Housing Finance Ltd.