GIC Housing Finance Limited Stock Price Today (NSE: GICHSGFIN)
Fundamental Score
GIC Housing Finance Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
GIC Housing Finance Limited share price today is ₹135.97, up +0.78% on NSE/BSE as of 17 September 2026. GIC Housing Finance Limited (GICHSGFIN) is a Small-cap company in the Housing Finance Company sector with a market capitalisation of ₹732.20 (Cr). The 52-week high for GICHSGFIN share price is ₹184.00 and the 52-week low is ₹130.05. At a P/E ratio of 4.65x, GICHSGFIN is currently trading below its industry average P/E of 16.67x. The company has a Return on Equity (ROE) of 7.61% and a debt-to-equity ratio of N/A.
GIC Housing Finance Limited Share Price Chart — NSE/BSE Historical Performance
GIC Housing Finance Limited share price chart: -10.57% return over the past month. 52-week high ₹184.00, 52-week low ₹130.05.
GIC Housing Finance Limited — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹135.40 | ₹136.00 | ₹132.94 | ₹134.92 | 64.06K (Cr) | |
| ₹136.11 | ₹137.50 | ₹134.50 | ₹134.89 | 50.83K (Cr) | |
| ₹136.00 | ₹138.70 | ₹134.72 | ₹136.84 | 1.10L (Cr) | |
| ₹137.31 | ₹138.51 | ₹135.60 | ₹136.12 | 77.14K (Cr) | |
| ₹139.15 | ₹139.16 | ₹136.95 | ₹137.15 | 73.16K (Cr) | |
| ₹140.42 | ₹141.90 | ₹138.50 | ₹138.73 | 63.41K (Cr) | |
| ₹141.99 | ₹142.44 | ₹140.10 | ₹140.42 | 62.79K (Cr) | |
| ₹142.06 | ₹143.64 | ₹139.60 | ₹140.45 | 1.73L (Cr) | |
| ₹146.00 | ₹146.00 | ₹140.96 | ₹142.06 | 1.12L (Cr) | |
| ₹140.60 | ₹148.38 | ₹139.50 | ₹145.82 | 1.55L (Cr) |
GIC Housing Finance Limited — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹139.99 | ₹148.38 | ₹132.94 | ₹134.92 | -3.62% | |
| ₹149.00 | ₹157.43 | ₹136.31 | ₹139.19 | -6.58% | |
| ₹152.00 | ₹155.89 | ₹144.42 | ₹147.68 | -2.84% | |
| ₹151.40 | ₹164.43 | ₹143.23 | ₹152.46 | +0.70% | |
| ₹151.31 | ₹160.98 | ₹147.25 | ₹149.01 | -1.52% | |
| ₹133.99 | ₹159.25 | ₹133.50 | ₹151.52 | +13.08% | |
| ₹150.30 | ₹153.00 | ₹130.05 | ₹131.31 | -12.63% | |
| ₹162.61 | ₹167.00 | ₹151.75 | ₹154.31 | -5.10% | |
| ₹174.62 | ₹182.75 | ₹157.70 | ₹162.29 | -7.06% | |
| ₹171.15 | ₹184.00 | ₹158.30 | ₹173.07 | +1.12% | |
| ₹174.75 | ₹176.70 | ₹162.97 | ₹171.14 | -2.07% | |
| ₹174.45 | ₹179.74 | ₹169.00 | ₹174.35 | -0.06% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Assets (ROA)
Bank profit generated relative to total assets
Net Profit Margin
Net profit as a percentage of reported revenue/income
Dividend Yield
Annual dividend as % of current share price
GIC Housing Finance Limited Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Price to Book (P/B)
Share price ÷ book value per share — key bank valuation metric
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt/Equity, interest coverage and industrial free-cash-flow ratios are not shown for banks because deposits and borrowings are part of the core lending business. Bull Run uses ROA, ROE, P/B and net profit margin above for bank analysis.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
GIC Housing Finance Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of GICHSGFIN across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Attractive Valuation (P/E: 4.65 vs Industry: 16.67)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (35.85%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Profit Growth Track Record (21.15% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹2494.43 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Attractive Dividend Yield (3.00%)
Observation: Healthy dividend yield provides income component to returns.
Analysis: Dividend yield >3% offers income potential while indicating cash flow strength.
Risk Factors
3 factors identified
Below-Average Return on Equity (7.61%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Limited Growth History (-2.53% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Limited Institutional Interest (FII+DII: 3.94%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
GIC Housing Finance Limited vs Housing Finance Company Peers
Peer Comparison - Housing Finance Company
Compare GIC Housing Finance Limited with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
GIC Housing Finance LimitedGIC Housing Fin...Selected✓ GICHSGFIN • 511676 | 39.3/100 | ₹135.97₹136 | ₹732.20₹732.20 | 4.65Average 4.7 Average | 7.61%Poor 7.61% Poor | — — | — — | 21.15%Excellent 21.15% Excellent | -2.53%Poor -2.53% Poor | 3.00% |
Bajaj Housing Finance LimitedBajaj Housing F... BAJAJHFL • 544252 | 54.1/100 | ₹82.92₹83 | ₹69062.08₹69062.08 | 25.67Average 25.7 Average | 12.06%Average 12.06% Average | — — | — — | 41.48%Excellent 41.48% Excellent | 28.72%Excellent 28.72% Excellent | 0.00% |
LIC Housing Finance LimitedLIC Housing Fin... LICHSGFIN • 500253 | 40.5/100 | ₹555.00₹555 | ₹30547.20₹30547.20 | 5.32Average 5.3 Average | 14.41%Average 14.41% Average | — — | — — | 15.38%Excellent 15.38% Excellent | 7.72%Good 7.72% Good | 1.82% |
PNB Housing Finance LimitedPNB Housing Fin... PNBHOUSING • 540173 | 34.3/100 | ₹1142.00₹1142 | ₹29759.38₹29759.38 | 12.85Average 12.9 Average | 12.70%Average 12.70% Average | — — | — — | 19.70%Excellent 19.70% Excellent | 2.26%Average 2.26% Average | 0.72% |
Aadhar Housing Finance LimitedAadhar Housing ... AADHARHFC • 544176 | 39.7/100 | ₹471.90₹472 | ₹20638.07₹20638.07 | 17.96Average 18.0 Average | 15.75%Good 15.75% Good | — — | — — | 26.64%Excellent 26.64% Excellent | 18.52%Excellent 18.52% Excellent | 0.00% |
Sammaan Capital LimitedSammaan Capital... SAMMAANCAP • 535789 | 5.5/100 | ₹150.13₹150 | ₹17215.41₹17215.41 | — — | -35.01%Poor -35.01% Poor | — — | — — | — — | -3.83%Poor -3.83% Poor | 0.00% |
50.9/100 | ₹258.28₹258 | ₹12934.47₹12934.47 | 13.12Average 13.1 Average | 20.11%Excellent 20.11% Excellent | — — | — — | 28.71%Excellent 28.71% Excellent | 27.94%Excellent 27.94% Excellent | 1.52% | |
Home First Finance Company India LimitedHome First Fina... HOMEFIRST • 543259 | 51/100 | ₹1202.30₹1202 | ₹12567.04₹12567.04 | 21.49Average 21.5 Average | 15.71%Good 15.71% Good | — — | — — | 40.09%Excellent 40.09% Excellent | 32.04%Excellent 32.04% Excellent | 0.42% |
Can Fin Homes LimitedCan Fin Homes L... CANFINHOME • 511196 | 45.6/100 | ₹786.90₹787 | ₹10478.83₹10478.83 | 9.28Average 9.3 Average | 19.66%Good 19.66% Good | — — | — — | 18.94%Excellent 18.94% Excellent | 15.87%Excellent 15.87% Excellent | 1.66% |
Aavas Financiers LimitedAavas Financier... AAVAS • 541988 | 50/100 | ₹1290.30₹1290 | ₹10230.50₹10230.50 | 14.88Average 14.9 Average | 13.92%Average 13.92% Average | — — | — — | 17.78%Excellent 17.78% Excellent | 19.45%Excellent 19.45% Excellent | 0.00% |
India Shelter Finance Corporation LimitedIndia Shelter F... INDIASHLTR • 544044 | 63/100 | ₹668.20₹668 | ₹7273.66₹7273.66 | 13.77Average 13.8 Average | 0.00%Poor 0.00% Poor | — — | — — | 41.90%Excellent 41.90% Excellent | 36.98%Excellent 36.98% Excellent | 1.23% |
Top Housing Finance Company Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Housing Finance Limited share price69062.08 Cr
- LIC Housing Finance Limited share price30547.20 Cr
- PNB Housing Finance Limited share price29759.38 Cr
- Aadhar Housing Finance Limited share price20638.07 Cr
- Sammaan Capital Limited share price17215.41 Cr
GIC Housing Finance Limited PE Ratio History
Historical price-to-earnings ratio for GICHSGFIN — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹29.79 | ₹173.07 | 5.8x |
| FY 2024 | ₹28.11 | ₹204.33 | 7.3x |
| FY 2023 | ₹39.60 | ₹214.55 | 5.4x |
| FY 2022 | ₹32.22 | ₹212.55 | 6.6x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
GIC Housing Finance Limited Dividend History
Annual cash dividends paid by GICHSGFIN — dividend yield 3.00%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹24.23 Cr |
| FY 2024 | ₹24.23 Cr |
| FY 2023 | ₹24.23 Cr |
| FY 2022 | ₹21.54 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
GIC Housing Finance Limited Quarterly Performance
Latest quarterly metrics for GICHSGFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
0.53%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
35.85%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
-2.53%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
21.15%
Compounded annual net profit growth over 5 years
GIC Housing Finance Limited Technical Indicators
SMA 50, SMA 200, RSI and volume signals for GICHSGFIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
GIC Housing Finance Limited Financial Statements
Annual income statement, balance sheet and cash flow for GIC Housing Finance Limited (GICHSGFIN) — sourced from NSE/BSE filings.
Financial Results & Statements
Latest quarterly, annual and period-wise financial data for GIC Housing Finance Limited
About GICHSGFIN (GIC Housing Finance Limited)
GIC Housing Finance Ltd is a pivotal player in India's housing finance sector, dedicated to facilitating homeownership dreams across diverse demographics. As a housing finance comp...any, GICHSGFIN specializes in offering a comprehensive suite of loan products tailored to meet the unique needs of prospective homeowners. These offerings encompass financing for the acquisition of plots and construction of homes, as well as the purchase of ready-built houses, apartments, and flats. Beyond basic acquisition, GICHSGFIN also supports homeowners in enhancing their existing properties through loans for repair, renovation, and upgrades, enabling them to improve their living spaces and maintain their property value. GIC Housing Finance Ltd distinguishes itself by its commitment to serving a broad spectrum of borrowers, including individuals, cooperative societies, associations of persons, and corporate entities. This inclusive approach ensures that a wide range of potential homeowners have access to the financing they need to realize their aspirations. Their diverse product portfolio reflects this commitment, featuring individual housing loans, composite loans that bundle various needs, and specialized loans for home extensions. The company also provides the option of balance transfer loans, allowing customers to potentially benefit from more favorable terms and interest rates by transferring their existing home loans to GICHSGFIN. GIC Housing Finance Ltd is focused on empowering individuals and families to achieve the security and satisfaction of owning a home. By providing flexible and accessible financing options, GICHSGFIN contributes to the growth of the housing market and the overall well-being of communities across India. It aims to be a reliable partner for those seeking to invest in their future by providing financial support for their homeownership goals. Its comprehensive range of services and dedication to customer satisfaction underscores its position as a key enabler of homeownership in the Indian financial landscape.
Company Details
Key Leadership
GICHSGFIN Share Price: Frequently Asked Questions
What is the current share price of GIC Housing Finance Limited?
GIC Housing Finance Limited (GICHSGFIN) trades at ₹135.97 on NSE and BSE. Market cap ₹732.20 (Cr). Educational data only.
What is the P/E ratio of GIC Housing Finance Limited?
GIC Housing Finance Limited has a P/E of 4.65x vs industry average 16.67x.
What is the Bull Run score for GIC Housing Finance Limited?
GIC Housing Finance Limited has a Bull Run score of 39.3/100 based on 25+ financial parameters.
Does GIC Housing Finance Limited pay dividends?
GIC Housing Finance Limited has a dividend yield of 3.00%. Past dividends don't guarantee future payments.
What is the ROE of GIC Housing Finance Limited?
GIC Housing Finance Limited has ROE of 7.61%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of GIC Housing Finance Limited?
GIC Housing Finance Limited has debt-to-equity of N/A.
Is GIC Housing Finance Limited a good investment?
Bull Run gives GIC Housing Finance Limited a score of 39.3/100. This is not investment advice — consult a SEBI-registered advisor.