GIC Housing Finance Ltd Stock Price Today (NSE: GICHSGFIN)
Fundamental Score
GIC Housing Finance Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
GIC Housing Finance Ltd share price today is ₹159.90, up +0.00% on NSE/BSE as of 18 February 2026. GIC Housing Finance Ltd (GICHSGFIN) is a Small-cap company in the Housing Finance Company sector with a market capitalisation of ₹911.72 (Cr). The 52-week high for GICHSGFIN share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 6.07x, GICHSGFIN is currently trading below its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 8.98% and a debt-to-equity ratio of 4.52.
GIC Housing Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
GIC Housing Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
GIC Housing Finance Share Price: A Conservative Value Investor's Perspective
The housing finance sector in India, while offering considerable growth potential, also carries inherent risks related to asset-liability mismatches and credit quality, particularly in fluctuating economic environments. This analysis focuses on the GIC Housing Finance share price of ₹163.970001, examining its investment attractiveness from a conservative value investing standpoint, prioritizing capital safety above all else. We will not be issuing any recommendations to buy, sell or hold shares.
Currently, GIC Housing Finance trades at a PE ratio of 6.07. While seemingly attractive, a low PE must be viewed in conjunction with other factors. The Return on Capital Employed (ROCE) of 8.73% is a critical metric. For a housing finance company, this ROCE level suggests a limited "moat." A higher ROCE, consistently maintained, typically indicates a stronger competitive advantage and greater pricing power. With only 8.73%, GIC Housing Finance might be more vulnerable to margin compression should interest rates rise or competition intensify.
A key consideration for any investment, and especially pertinent in the financial sector, is the quality of management. Observing
India Shelter Finance Corporation Limited, one may contrast its strategic focus and operational efficiency with that of GIC Housing Finance. While India Shelter Finance Corporation Limited targets a specific niche within the housing finance market, GIC Housing Finance appears to have a broader, perhaps less specialized approach. The sustainability of earnings and asset quality depends heavily on effective risk management practices and efficient capital allocation guided by management.From a conservative value investing perspective, while the low PE may appear tempting, the moderate ROCE of 8.73% and the need for careful assessment of management's strategic vision warrant a cautious approach. Further scrutiny of asset quality, loan growth strategy, and funding costs is essential before considering any investment. This observational analysis is part of a more extensive 80-parameter fundamental audit, verified by Sweta Mishra, designed to identify potential red flags and assess the overall risk-reward profile.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
GIC Housing Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of GICHSGFIN across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (83.87%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 6.07 vs Industry: 18.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (36.92%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Excellent EPS Growth (30.15% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (30.15% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹3348.50 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.
Risk Factors
6 factors identified
Below-Average Return on Equity (8.98%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (8.73%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Limited Growth History (-2.93% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Elevated Debt Levels (D/E: 4.52)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.24x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Limited Institutional Interest (FII+DII: 7.67%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
GIC Housing Finance Ltd Financial Statements
Comprehensive financial data for GIC Housing Finance Ltd including income statement, balance sheet and cash flow
About GICHSGFIN (GIC Housing Finance Ltd)
GIC Housing Finance Ltd (GICHSGFIN) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Housing Finance Company sector with a current market capitalisation of ₹911.72 (Cr). GIC Housing Finance Ltd has delivered a Return on Equity (ROE) of 8.98% and a ROCE of 8.73%. The debt-to-equity ratio stands at 4.52, reflecting the company's capital structure. Investors tracking GICHSGFIN share price can monitor key metrics including P/E ratio, promoter holding of 42.41%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
GICHSGFIN Share Price: Frequently Asked Questions
What is the current share price of GIC Housing Finance Ltd (GICHSGFIN)?
As of 18 Feb 2026, 09:07 am IST, GIC Housing Finance Ltd share price is ₹159.90. The GICHSGFIN stock has a market capitalisation of ₹911.72 (Cr) on NSE/BSE.
Is GICHSGFIN share price Overvalued or Undervalued?
GICHSGFIN share price is currently trading at a P/E ratio of 6.07x, compared to the industry average of 18.03x. Based on this relative valuation, the GIC Housing Finance Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of GICHSGFIN share price?
The 52-week high of GICHSGFIN share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the GIC Housing Finance Ltd share price?
Key factors influencing GICHSGFIN share price include quarterly earnings growth (Sales Growth: 2.84%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is GIC Housing Finance Ltd a good stock for long-term investment?
GIC Housing Finance Ltd shows a 5-year Profit Growth of 30.15% and an ROE of 8.98%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.52 before investing in GICHSGFIN shares.
How does GIC Housing Finance Ltd compare with its industry peers?
GIC Housing Finance Ltd competes with major peers in the Housing Finance Company. Investors should compare GICHSGFIN share price P/E of 6.07x and ROE of 8.98% against the industry averages to determine competitive standing.
What is the P/E ratio of GICHSGFIN and what does it mean?
GICHSGFIN share price has a P/E ratio of 6.07x compared to the industry average of 18.03x. Investors pay ₹6 for every ₹1 of annual earnings.
How is GICHSGFIN performing according to Bull Run's analysis?
GICHSGFIN has a Bull Run fundamental score of 53.3/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does GICHSGFIN belong to?
GICHSGFIN operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting GIC Housing Finance Ltd share price.
What is Return on Equity (ROE) and why is it important for GICHSGFIN?
GICHSGFIN has an ROE of 8.98%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently GIC Housing Finance Ltd generates profits from shareholders capital.
How is GICHSGFIN debt-to-equity ratio and what does it indicate?
GICHSGFIN has a debt-to-equity ratio of 4.52, which indicates high leverage that increases financial risk.
What is GICHSGFIN dividend yield and is it a good dividend stock?
GICHSGFIN offers a dividend yield of 2.66%, meaning you receive ₹2.66 annual dividend for every ₹100 invested in GIC Housing Finance Ltd shares.
How has GICHSGFIN share price grown over the past 5 years?
GICHSGFIN has achieved 5-year growth rates of: Sales Growth -2.93%, Profit Growth 30.15%, and EPS Growth 30.15%.
What is the promoter holding in GICHSGFIN and why does it matter?
Promoters hold 42.41% of GICHSGFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in GIC Housing Finance Ltd.
What is GICHSGFIN market capitalisation category?
GICHSGFIN has a market capitalisation of ₹912 crores, placing it in the Small-cap category.
How volatile is GICHSGFIN stock?
GICHSGFIN has a beta of N/A. A beta > 1 suggests the GIC Housing Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is GICHSGFIN operating profit margin trend?
GICHSGFIN has a 5-year average Operating Profit Margin (OPM) of 83.87%, indicating the company's operational efficiency.
How is GICHSGFIN quarterly performance?
Recent quarterly performance shows GIC Housing Finance Ltd YoY Sales Growth of 2.84% and YoY Profit Growth of 36.92%.
What is the institutional holding pattern in GICHSGFIN?
GICHSGFIN has FII holding of 2.16% and DII holding of 5.51%. Significant institutional holding often suggests professional confidence in the GIC Housing Finance Ltd stock.