GIC Housing Finance Ltd Stock Price Today (NSE: GICHSGFIN)
Fundamental Score
GIC Housing Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
GIC Housing Finance Ltd share price today is ₹150.32, up +1.04% on NSE/BSE as of 18 June 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 ₹206.00 and the 52-week low is ₹130.05. 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
GIC Housing Finance Ltd share price chart: -2.98% return over the past month. 52-week high ₹206.00, 52-week low ₹130.05.
GIC Housing Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹147.62 | ₹150.68 | ₹147.25 | ₹150.32 | 52.43K (Cr) | |
| ₹151.40 | ₹151.90 | ₹148.01 | ₹148.77 | 79.83K (Cr) | |
| ₹150.25 | ₹150.63 | ₹148.72 | ₹149.01 | 74.35K (Cr) | |
| ₹149.00 | ₹151.19 | ₹149.00 | ₹149.81 | 59.42K (Cr) | |
| ₹152.50 | ₹153.39 | ₹149.61 | ₹149.98 | 1.59L (Cr) | |
| ₹150.21 | ₹152.59 | ₹150.21 | ₹151.93 | 73.01K (Cr) | |
| ₹150.80 | ₹151.00 | ₹149.43 | ₹150.45 | 54.15K (Cr) | |
| ₹153.00 | ₹153.00 | ₹149.10 | ₹149.77 | 89.17K (Cr) | |
| ₹149.00 | ₹149.93 | ₹147.25 | ₹149.14 | 32.49K (Cr) | |
| ₹150.00 | ₹151.48 | ₹148.30 | ₹148.76 | 1.54L (Cr) |
GIC Housing Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹151.40 | ₹151.90 | ₹147.25 | ₹150.32 | -0.71% | |
| ₹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% | |
| ₹172.14 | ₹181.50 | ₹170.30 | ₹173.94 | +1.05% | |
| ₹188.90 | ₹188.92 | ₹170.22 | ₹172.14 | -8.87% | |
| ₹197.65 | ₹206.00 | ₹184.06 | ₹187.03 | -5.37% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Small-cap HFC with deteriorating financials and high debt; stay away.
WHAT'S HAPPENING NOW (last 2-4 weeks)
GIC Housing Finance's net profit declined 12.11% to in the December 2025 quarter. Revenue grew marginally by 0.9% YoY to The company completed an interest payment of on NCDs on February 24, 2026.
CORE STORY (THE REAL GAME)
GIC Housing Finance is a small-cap play on the affordable housing theme, heavily reliant on government backing (GIC). Market sentiment is weak due to declining profitability and broader concerns about interest coverage.
- Declining net profit
- High debt/equity ratio
- Weak interest coverage
- Stabilization of earnings
- Improvement in asset quality
- Government bailout
- Micro/small cap: liquidity risk
- High debt/equity ratio
- Weak interest coverage
- Declining FII shareholding
FIIs decreasing their holdings.
Rising interest rates pose a headwind for housing finance companies.
Profits not reliably converting to cash.
Expect continued pressure on earnings and asset quality in the next 3-6 months. Restructuring or capital infusion may be necessary.
Primary Thesis Risk
Inability to service debt due to declining profitability.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
GIC Housing Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
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 to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
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 vs Housing Finance Company Peers
Peer Comparison - Housing Finance Company
Compare GIC Housing Finance Ltd 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 LtdGIC Housing Fin...Selected✓ GICHSGFIN • 511676 | 53.3/100 | ₹150.32₹150 | ₹911.72₹911.72 | 6.07Average 6.1 Average | 8.98%Poor 8.98% Poor | 8.73%Poor 8.73% Poor | 4.52Poor 4.5 Poor | 30.15%Excellent 30.15% Excellent | -2.93%Poor -2.93% Poor | 2.66% |
Bajaj Housing Finance LimitedBajaj Housing F... BAJAJHFL • 544252 | 54.8/100 | ₹86.02₹86 | ₹87039.71₹87039.71 | 36.87Average 36.9 Average | 13.46%Average 13.46% Average | 9.55%Poor 9.55% Poor | 4.44Poor 4.4 Poor | 38.71%Excellent 38.71% Excellent | 29.33%Excellent 29.33% Excellent | 0.00% |
LIC Housing Finance LtdLIC Housing Fin... LICHSGFIN • 500253 | 41.4/100 | ₹556.45₹556 | ₹30291.98₹30291.98 | 5.49Average 5.5 Average | 16.05%Good 16.05% Good | 8.93%Poor 8.93% Poor | 7.08Poor 7.1 Poor | 17.76%Excellent 17.76% Excellent | 7.33%Good 7.33% Good | 1.82% |
PNB Housing Finance LtdPNB Housing Fin... PNBHOUSING • 540173 | 44.1/100 | ₹1077.90₹1078 | ₹23669.79₹23669.79 | 10.77Average 10.8 Average | 12.27%Average 12.27% Average | 9.46%Poor 9.46% Poor | 3.62Poor 3.6 Poor | 23.34%Excellent 23.34% Excellent | -2.03%Poor -2.03% Poor | 0.55% |
Aadhar Housing Finance LtdAadhar Housing ... AADHARHFC • 544176 | 31.1/100 | ₹477.80₹478 | ₹21011.57₹21011.57 | 21.27Average 21.3 Average | 16.86%Good 16.86% Good | 11.42%Average 11.42% Average | 2.55Poor 2.5 Poor | 36.61%Excellent 36.61% Excellent | 17.50%Excellent 17.50% Excellent | 0.00% |
Aptus Value Housing Finance India LtdAptus Value Hou... APTUS • 543335 | 32.4/100 | ₹262.70₹263 | ₹14148.60₹14148.60 | 16.78Average 16.8 Average | 18.58%Good 18.58% Good | 15.05%Good 15.05% Good | 1.57Average 1.6 Average | 28.91%Excellent 28.91% Excellent | 28.46%Excellent 28.46% Excellent | 1.59% |
Sammaan Capital LtdSammaan Capital... SAMMAANCAP • 535789 | 24.2/100 | ₹173.32₹173 | ₹12631.74₹12631.74 | 9.95Average 9.9 Average | -8.66%Poor -8.66% Poor | 3.65%Poor 3.65% Poor | 2.04Poor 2.0 Poor | — — | -8.08%Poor -8.08% Poor | 0.00% |
Can Fin Homes LtdCan Fin Homes L... CANFINHOME • 511196 | 40.1/100 | ₹832.95₹833 | ₹12107.71₹12107.71 | 13.14Average 13.1 Average | 18.22%Good 18.22% Good | 9.34%Poor 9.34% Poor | 6.61Poor 6.6 Poor | 17.91%Excellent 17.91% Excellent | 13.82%Good 13.82% Good | 1.32% |
Aavas Financiers LtdAavas Financier... AAVAS • 541988 | 29.6/100 | ₹1369.00₹1369 | ₹11994.35₹11994.35 | 19.88Average 19.9 Average | 14.11%Average 14.11% Average | 10.09%Average 10.09% Average | 3.08Poor 3.1 Poor | 18.16%Excellent 18.16% Excellent | 21.15%Excellent 21.15% Excellent | 0.00% |
Home First Finance Company India LtdHome First Fina... HOMEFIRST • 543259 | 55.6/100 | ₹1117.90₹1118 | ₹11504.83₹11504.83 | 25.41Average 25.4 Average | 16.46%Good 16.46% Good | 11.35%Average 11.35% Average | 2.40Poor 2.4 Poor | 36.87%Excellent 36.87% Excellent | 30.23%Excellent 30.23% Excellent | 0.33% |
India Shelter Finance Corporation LimitedIndia Shelter F... INDIASHLTR • 544044 | 44.3/100 | ₹787.30₹787 | ₹9428.70₹9428.70 | 21.19Average 21.2 Average | 15.07%Good 15.07% Good | 12.61%Average 12.61% Average | 1.89Average 1.9 Average | 51.70%Excellent 51.70% Excellent | 38.34%Excellent 38.34% Excellent | 0.58% |
Top Housing Finance Company Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Housing Finance Limited share price87039.71 Cr
- LIC Housing Finance Ltd share price30291.98 Cr
- PNB Housing Finance Ltd share price23669.79 Cr
- Aadhar Housing Finance Ltd share price21011.57 Cr
- Aptus Value Housing Finance India Ltd share price14148.60 Cr
GIC Housing Finance Ltd 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 Ltd Dividend History
Annual cash dividends paid by GICHSGFIN — dividend yield 2.66%
| 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 Ltd Quarterly Performance
Latest quarterly metrics for GICHSGFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
2.84%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
36.92%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
-2.93%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
30.15%
Compounded annual net profit growth over 5 years
GIC Housing Finance Ltd 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 Ltd Financial Statements
Annual income statement, balance sheet and cash flow for GIC Housing Finance Ltd (GICHSGFIN) — sourced from NSE/BSE filings.
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About GICHSGFIN (GIC Housing Finance Ltd)
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
Corporate Events
GICHSGFIN Share Price: Frequently Asked Questions
What is the current share price of GIC Housing Finance Ltd?
GIC Housing Finance Ltd (GICHSGFIN) trades at ₹150.32 on NSE and BSE. Market cap ₹911.72 (Cr). Educational data only.
What is the P/E ratio of GIC Housing Finance Ltd?
GIC Housing Finance Ltd has a P/E of 6.07x vs industry average 18.03x.
What is the Bull Run score for GIC Housing Finance Ltd?
GIC Housing Finance Ltd has a Bull Run score of 53.3/100 based on 25+ financial parameters.
Does GIC Housing Finance Ltd pay dividends?
GIC Housing Finance Ltd has a dividend yield of 2.66%. Past dividends don't guarantee future payments.
What is the ROE of GIC Housing Finance Ltd?
GIC Housing Finance Ltd has ROE of 8.98%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of GIC Housing Finance Ltd?
GIC Housing Finance Ltd has debt-to-equity of 4.52.
Is GIC Housing Finance Ltd a good investment?
Bull Run gives GIC Housing Finance Ltd a score of 53.3/100. This is not investment advice — consult a SEBI-registered advisor.