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Swing Capital

GIC Housing Finance Ltd

NSE: GICHSGFIN BSE: 511676Infra

Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]

₹149
52W: ₹130 — ₹206
PE 5.19 · Book ₹391 · -62% vs book
Market Cap₹801 Cr
Stock P/E5.19Price to Earnings
ROCE7.71%Return on Capital
ROE7.59%Return on Equity
Div. Yield3.04%Face Value ₹10

Strengths

  • +Stock is trading at 0.39 times its book value

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of -2.56% over past five years.
  • −Tax rate seems low
  • −Company has a low return on equity of 8.36% over last 3 years.
  • −Company might be capitalizing the interest cost
  • −Dividend payout has been low at 10.4% of profits over last 3 years

Shareholding Pattern

Promoters42.41%
FIIs1.81%
DIIs4.59%
Public51.18%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%
FIIs2.64%2.91%▲0.32.46%▼0.52.18%▼0.32.67%▲0.52.16%▼0.52.08%▼0.11.81%▼0.3
DIIs5.89%5.89%5.89%5.89%5.51%▼0.45.51%5.05%▼0.54.59%▼0.5
Public49.04%48.79%▼0.349.24%▲0.549.52%▲0.349.39%▼0.149.92%▲0.550.46%▲0.551.18%▲0.7

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses411053373230110354239
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit3654393650357504454
EPS ₹6.619.957.236.779.226.521.369.288.19.95

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 4.59% (-1.75pp change). FIIs: 1.81% (-0.23pp change). Promoters hold 42.41%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 5.19x with 7.71% ROCE. Price is -62% above book value of ₹391. Dividend yield: 3.04%.

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