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GIC Housing Fin

  • Market Cap: Micro Cap
  • Industry: Finance - Housing
  • ISIN: INE289B01019
  • NSEID: GICHSGFIN
  • BSEID: 511676
INR
170.00
0.55 (0.32%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 88.94 k

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

167.10173.55

52 Week

151.00278.60
Valuation
Technical
Day's Volume

CASH

88.94 k (-18.57%) Volume

Shareholding (Dec 2024)

FII

2.45%

Held by 40 FIIs

DII

5.90%

Held by 1 DIIs

Promoter

42.41%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 11.25%

  • Poor long term growth as Net Sales has grown by an annual rate of -2.47% and Operating profit at -2.26%
2

Flat results in Dec 24

3

Stock is technically in a Bearish range

4

Despite the size of the company, domestic mutual funds hold only 0% of the company

5

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance - Housing

stock-summary
Market cap

INR 915 Cr (Micro Cap)

stock-summary
P/E

5.00

stock-summary
Industry P/E

12

stock-summary
Dividend Yield

2.66%

stock-summary
Debt Equity

4.61

stock-summary
Return on Equity

8.77%

stock-summary
Price to Book

0.49

Revenue and Profits (1 Year):
Net Sales:
269 Cr
(Quarterly Results - Dec 2024)
Net Profit:
50 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (2.66%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-23.3%
0%
-23.3%
1 Year
-23.34%
2.02%
-21.32%
2 Years
0.92%
5.16%
6.08%
3 Years
11.73%
10.60%
22.33%
4 Years
43.76%
14.21%
57.97%
5 Years
151.85%
30.56%
182.41%

Latest dividend: 4.5 per share ex-dividend date: Jun-28-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
-2.47%
EBIT Growth (5y)
-2.26%
Net Debt to Equity (avg)
0
Institutional Holding
8.35%
ROE (avg)
11.25%
Valuation key factors
Factor
Value
P/E Ratio
5
Industry P/E
12
Price to Book Value
0.49
EV to EBIT
10.37
EV to EBITDA
10.20
EV to Capital Employed
0.91
EV to Sales
8.94
PEG Ratio
0.27
Dividend Yield
2.66%
ROCE (Latest)
8.59%
ROE (Latest)
8.77%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Non Institution

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 40 FIIs (2.45%)

Promoter with highest holding

General Insurance Corporation Of India (15.26%)

Highest Public shareholder

Life Insurance Corporation Of India (5.89%)

Individual Investors Holdings

37.3%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'24 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 3.12% vs -7.02% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 39.44% vs -45.52% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "269.26",
          "val2": "261.11",
          "chgp": "3.12%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "237.84",
          "val2": "220.19",
          "chgp": "8.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "178.55",
          "val2": "175.72",
          "chgp": "1.61%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "49.71",
          "val2": "35.65",
          "chgp": "39.44%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "89.24%",
          "val2": "84.74%",
          "chgp": "4.50%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Consolidated) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 0.37% vs -3.06% in Sep 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 21.73% vs -35.03% in Sep 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "537.98",
          "val2": "536.02",
          "chgp": "0.37%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "447.94",
          "val2": "446.99",
          "chgp": "0.21%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "350.85",
          "val2": "362.33",
          "chgp": "-3.17%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "75.51",
          "val2": "62.03",
          "chgp": "21.73%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "86.13%",
          "val2": "84.38%",
          "chgp": "1.75%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 1.27% vs -4.39% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 28.19% vs -39.30% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "807.24",
          "val2": "797.13",
          "chgp": "1.27%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "685.78",
          "val2": "667.18",
          "chgp": "2.79%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "529.40",
          "val2": "538.05",
          "chgp": "-1.61%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "125.22",
          "val2": "97.68",
          "chgp": "28.19%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "84.95%",
          "val2": "83.70%",
          "chgp": "1.25%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is -5.18% vs -3.03% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is -29.03% vs 22.90% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1,057.16",
          "val2": "1,114.90",
          "chgp": "-5.18%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "917.04",
          "val2": "988.28",
          "chgp": "-7.21%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "710.38",
          "val2": "702.49",
          "chgp": "1.12%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "151.35",
          "val2": "213.25",
          "chgp": "-29.03%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "87.50%",
          "val2": "89.51%",
          "chgp": "-2.01%",
          "chgp_class": "negative"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Dec'24 - YoYstock-summary
Dec'24
Dec'23
Change(%)
Net Sales
269.26
261.11
3.12%
Operating Profit (PBDIT) excl Other Income
237.84
220.19
8.02%
Interest
178.55
175.72
1.61%
Exceptional Items
0.00
0.00
Consolidate Net Profit
49.71
35.65
39.44%
Operating Profit Margin (Excl OI)
89.24%
84.74%
4.50%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in quarter ended Dec 2024 is 3.12% vs -7.02% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Dec 2024 is 39.44% vs -45.52% in Dec 2023

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Consolidated) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
537.98
536.02
0.37%
Operating Profit (PBDIT) excl Other Income
447.94
446.99
0.21%
Interest
350.85
362.33
-3.17%
Exceptional Items
0.00
0.00
Consolidate Net Profit
75.51
62.03
21.73%
Operating Profit Margin (Excl OI)
86.13%
84.38%
1.75%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 0.37% vs -3.06% in Sep 2023

Direction Arrows
Consolidated Net Profit

Growth in half year ended Sep 2024 is 21.73% vs -35.03% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
807.24
797.13
1.27%
Operating Profit (PBDIT) excl Other Income
685.78
667.18
2.79%
Interest
529.40
538.05
-1.61%
Exceptional Items
0.00
0.00
Consolidate Net Profit
125.22
97.68
28.19%
Operating Profit Margin (Excl OI)
84.95%
83.70%
1.25%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 1.27% vs -4.39% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in nine months ended Dec 2024 is 28.19% vs -39.30% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
1,057.16
1,114.90
-5.18%
Operating Profit (PBDIT) excl Other Income
917.04
988.28
-7.21%
Interest
710.38
702.49
1.12%
Exceptional Items
0.00
0.00
Consolidate Net Profit
151.35
213.25
-29.03%
Operating Profit Margin (Excl OI)
87.50%
89.51%
-2.01%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is -5.18% vs -3.03% in Mar 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2024 is -29.03% vs 22.90% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About GIC Housing Finance Ltd stock-summary
stock-summary
GIC Housing Finance Ltd
Micro Cap
Finance - Housing
GIC Housing Finance Limited was incorporated on December 12, 1989 with the name GIC Grih Vitta Limited. The Company was formed with the objective of entering in the field of direct lending to individuals and other corporates to accelerate the housing activities in India. GIC Housing Finance Ltd is a subsidiary of General Insurance Corporation of India. The Company is engaged in the housing finance activity. They operate in the retail loan segment.
Company Coordinates stock-summary
Company Details
Royal Insurance Build 6th Flr, 14 Jamshedji Tata Rd Churchgat Mumbai Maharashtra : 400020
stock-summary
Tel: 91-22-2285 1765(5 Lines)
stock-summary
http://www.gichfindia.com
stock-summary
corporate@gichf.com
Registrar Details
Karvy Computershare Pvt Ltd., Karvy Selenium, Tower-B Plot No 31 & 32, Survey No 116/22, 115/24, 115/25, Financial District, Nanakramguda, Serilingampally, Mandal Ranga Reddy Dist, Hyderabad
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