GICHSGFIN
GIC Housing Finance Limited (GICHSGFIN) Stock Analysis
GIC Housing Finance Limited is an Indian housing finance company lending for home purchases and construction. It serves salaried and self-employed borrowers through branches across India. The company is promoted by General Insurance Corporation stakeholders historically. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹131.80
+0.22% 1W | -22.90% 52W
Market Cap
710 CR
P/E Ratio
4.5
52W High
₹184
52W Low
₹130.1
Div. Yield
3.44%
Beta
0.6
50 DMA
₹138.9
200 DMA
₹149.8
Profit Margin
43.6%
Inst. Own.
45.9%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 268 | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Interest | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| Expenses | 42 | 47 | 41 | 10 | 53 | 37 | 31 | 30 | 110 | 35 | 42 | 39 | 73 |
| Financing Profit | 43 | 42 | 44 | 78 | 47 | 50 | 59 | 68 | -18 | 64 | 58 | 65 | 21 |
| Financing Margin % | 16% | 16% | 17% | 30% | 17% | 19% | 22% | 25% | -7% | 24% | 21% | 24% | 8% |
| Other Income | 3 | 3 | 2 | 6 | 3 | 2 | 1 | -9 | 0 | 0 | 0 | 1 | 1 |
| Depreciation | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 |
| Profit before tax | 42 | 41 | 42 | 79 | 47 | 48 | 56 | 56 | -20 | 61 | 55 | 63 | 18 |
| Tax % | 24% | 26% | 16% | 32% | 17% | 23% | 12% | 37% | -137% | 18% | 20% | 15% | 43% |
| Net Profit | 32 | 30 | 36 | 54 | 39 | 37 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS in Rs | 5.91 | 5.61 | 6.62 | 9.97 | 7.24 | 6.78 | 9.23 | 6.54 | 1.38 | 9.29 | 8.11 | 9.97 | 1.87 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1,152 | 1,123 | 1,060 | 1,079 | 1,083 | 1,084 |
| Interest | 702 | 703 | 711 | 703 | 687 | 687 |
| Expenses | 216 | 126 | 140 | 151 | 226 | 189 |
| Financing Profit | 234 | 294 | 209 | 225 | 169 | 208 |
| Financing Margin % | 20% | 26% | 20% | 21% | 16% | 19% |
| Other Income | 5 | 6 | 10 | -3 | 1 | 2 |
| Depreciation | 9 | 10 | 15 | 15 | 11 | 12 |
| Profit before tax | 230 | 290 | 204 | 207 | 159 | 197 |
| Tax % | 25% | 26% | 26% | 22% | 3% | |
| Net Profit | 174 | 213 | 151 | 160 | 155 | 157 |
| EPS in Rs | 32.22 | 39.60 | 28.11 | 29.79 | 28.75 | 29.24 |
| Dividend Payout % | 14% | 11% | 16% | 15% | 16% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -1.0% | – | – |
| Profit CAGR | -10.0% | – | – |
Shareholding Pattern
Promoters42.41%
FIIs2.16%
DIIs5.51%
Public49.92%
Promoters42.41%
FIIs2.08%
DIIs5.05%
Public50.46%
Promoters42.41%
FIIs1.81%
DIIs4.59%
Public51.18%
Promoters42.41%
FIIs1.40%
DIIs2.53%
Public53.65%
Promoters42.41%
FIIs0.93%
DIIs2.44%
Public54.22%
Promoters42.41%
FIIs2.22%
DIIs6.34%
Public49.03%
Promoters42.41%
FIIs3.18%
DIIs5.89%
Public48.52%
Promoters42.41%
FIIs2.18%
DIIs5.89%
Public49.52%
Promoters42.41%
FIIs1.81%
DIIs4.59%
Public51.18%
Promoters42.41%
FIIs0.93%
DIIs2.44%
Public54.22%
GICHSGFIN
Holdings Analysis
Key strengths & risk signals
47
Overall
45
Fundamental
50
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 22.9% in the last year.
WEAK POSITION! Current price (131.8) is below both moving averages.
WEAK! Trading at 3.2% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 43.6% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 37.8 - watch for reversal.
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 75,914 vs down days: 72,271. Ratio: 1.05x
Fundamental & Technical Analysis
47Overall
45Fundamental
50Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: -1.0% (DECLINING, 2/15). Profit CAGR: -10.1% (DECLINING, 2/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 43.6% profit margin - company keeps strong profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
7/10
GOOD DIVIDEND! 3.44% yield - decent income potential.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 49.21% public ownership - higher volatility risk.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (138.9) is below 200-day average (149.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (131.8) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
1/10
POOR YEAR! Stock declined 22.9% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 75,914 vs down days: 72,271. Ratio: 1.05x
RSI
4/5
APPROACHING OVERSOLD! RSI at 37.8 - watch for reversal.
52W Range
1/5
WEAK! Trading at 3.2% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.2% (1 week), -2.3% (1 month), -13.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| GICHSGFIN | ₹131.80 | 4.5 | 43.6% | -1.0% | -10.1% | -22.9% | 47 | APPROACHING RESISTANCE | +36.5% | -81.2% | +0.7% | -2.0% |
| SRGHFL | ₹111.70 | 5.1 | 27.7% | 31.0% | 24.0% | -63.6% | 65 | BREAKDOWN | +25.0% | -7.6% | +33.1% | -5.6% |
| RHFL | ₹1.50 | 3.2 | – | -89.6% | – | -57.5% | 37 | BOUNCE FROM SUPPORT | – | – | – | – |
| TFL | ₹12.20 | – | -31.2% | 10.2% | – | -16.0% | 53 | BREAKOUT | -88.9% | -92.9% | -35.9% | -37.5% |
| GRANDOAK | ₹35.00 | – | -8.1% | – | – | -12.3% | 35 | CONSOLIDATING DOWN | +5.5% | -203.4% | – | – |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
Data from TradeAlone · Updated daily
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