GICHSGFINGIC Housing Finance Limited

Rs 122.62▼ -2.32%
Market closedEquity EOD 26 Oct
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52-week rangeThe lowest and highest prices the stock traded at over the last year, from each day's intraday low and high. The marker is today's close: 0% means it sits at the year's low, 100% at the high. It describes where the price is, not where it is going.3.2% up the range
Rs 121Rs 184
GICHSGFIN price
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EOD 26 Oct
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At a glance
Each figure is shown against the company's sector (the track: the dot is this company, the tick is the sector middle) and, where we hold the yearly filings, against its own recent years (the small trend line).
Market capWhat the whole company is worth on the stock market today: share price times the number of shares. It measures size, not quality.
Rs 660 cr
Larger than 15% of 13 peers
sector middle Rs 9,912 cr
P/EPrice to earnings: how many rupees investors pay for each rupee of profit the company made over the last twelve months. Compare it with similar companies rather than reading it alone.
4.2x
Lower than 91% of 11 peers
sector middle 12.3x
Price to bookPrice to book: the share price divided by the shareholders' money per share in the latest balance sheet. Around 1 means the market values the company close to its book value.
0.3x
Lowest of 12 peers
sector middle 1.6x
ROEReturn on equity: the year's profit as a percentage of the shareholders' money in the business. It shows how much the company earns on what its owners have put in.
7.5%
Lowest of 11 peers
sector middle 13.6%
FY24 8.3%FY26 7.3%
Dividend yieldDividends paid over the last year as a percentage of the company's market value: roughly what Rs 100 of shares paid out in cash.
3.7%
Highest of 13 peers
sector middle 0.4%
Sales growthHow much the latest quarter's sales grew against the same quarter a year earlier.
+0.5%
Lower than 83% of 12 peers
sector middle +14.2%
FY25 2.1%FY26 0.3%

Peers are the listed companies in the exchange's own industry group: Housing Finance Company. Balance-sheet figures are from the latest filed balance sheet; trends show each financial year we hold.

What the numbers say
Short lines written by fixed rules from the company's own filings and shareholding. A line appears only when the figures cross the rule (for example sales growing three years running), and each names the numbers behind it. Nothing here is a view on whether to own the share.

Latest quarterIn the quarter to June 2026 (results filed 12 Aug 2026), sales rose 0.5% from a year earlier to Rs 267 cr and profit rose 35.8% to Rs 10.1 cr.

Worth watching
  • Profit before interest covered interest 1.2 times in FY26 (Rs 687 cr of interest).
  • Return on equity stayed under 10% from FY24 to FY26 (highest 8.3%).
  • Operations used cash in FY26 (-Rs 320 cr) while reported profit was Rs 155 cr.

Each line is written by a fixed rule from the company's own filings and share price, and names the figures it uses. It describes what happened; it is not advice about the share.

How the share moved on results
For each quarterly result we hold: the change from the share's close on the last trading day before the filing to its close on the first trading day after it. Results can land during market hours or after the close, and this window covers both. It shows what happened, not what will happen next time.

Over the last 20 results, the share rose on 7 and fell on 13, and moved by 3% or more on 9.

Q4 FY22Q1 FY24Q1 FY25Q1 FY26Q1 FY27

Q1 FY27: results filed 12 Aug 2026. The share went from its close on 11 Aug 2026 to its close on 13 Aug 2026 -7.18%.

Fundamentals
Trailing-twelve-month valuation, margins and growth from the company's own filings.
as of 2026-06-30
P/E (TTM)
4.2
PEG
0.12
EPS (TTM)
Rs 29.2
Net margin
14.5%
Rev growth YoY
+0.53%
Profit growth YoY
+35.85%
TTM revenue
Rs 1,084 Cr
TTM net profit
Rs 158 Cr
Health check, year by year
Returns and debt for each financial year from the March balance sheet, each row coloured against this company's own usual level.
MeasureFY24FY25FY26
ROEProfit as a percentage of shareholders' money (from the March balance sheet).8.3%8.2%7.3%

Each row is coloured against this company's own usual level, not against other companies: green is better than its middle year, red worse, plain is close to it. ROE, ROCE and debt rows start once the filings carry a full balance sheet (FY22 at the earliest).

What it owns, and how that is paid for
Straight from the March balance sheet in the company's annual filing. Both bars are the whole balance sheet: what the company owns, and where the money for it came from.
as at 2026-03-31

At FY26 it owned Rs 11,299 Cr of assets. Its owners funded 19% of that, with no borrowings.

What it owns
100%
Plant, property and projects3 Cr
Goodwill and intangibles1 Cr
Cash and bank45 Cr
Everything else11,250 Cr
How that is paid for
19%
81%
Shareholders2,106 Cr
Other liabilities9,193 Cr
Cash and equivalents
Rs 40 Cr
Book value / share
Rs 391
Return on assets
1.4%

From the March balance sheet in the company's annual filing (2026-03-31). Each bar is the full balance sheet; "everything else" is what the filed total leaves after the named lines.

Where the cash went
Profit is an accounting figure; cash flow is what actually moved. Cash from running the business, plus or minus what was spent on or received from investments, plus or minus what came from or went to lenders and shareholders, equals the change in cash.

In FY26 the business moved Rs -320 Cr through operations; for a lender that is mostly loans made and deposits taken, not trading cash.

From running the business
-320 Cr
Spent on or received from investing
+52 Cr
From or to lenders and shareholders
+255 Cr
Net change in cash
-14 Cr

Full financial year to 2026-03-31, from the company's cash flow statement. This company lends for a living: money lent out is an operating outflow, so these are not coloured as good or bad.

Against its sector
Where this stock sits within its own sector on each measure. The marker is its position in the peer group and the notch is the sector median. A position is a fact about the cohort, not a view on the stock.
Housing Finance Company · 13
P/E4.19vs 12.25 median
Cheapest: REPCOHOME 3.97Priciest: BAJAJHFL 23.32
Net margin14.53%vs 26.49% median
Lowest: GICHSGFIN 14.53%Highest: APTUS 42.7%
Revenue growth0.53%vs 14.16% median
Lowest: SAMMAANCAP -31.18%Highest: SRGHFL 29.32%

Median rather than average, so one loss-making or one very expensive peer cannot drag the reference. Valuation is shown without a colour verdict: a higher multiple can mean expensive, or faster growth expected, and only you can decide which.

Peers side by side
Every company in the same NSE industry group that we hold figures for, largest first. Tap any heading to sort by it. The same figures as the At a glance tiles, worked out the same way for every company.
Housing Finance Company · 14 shown
Company
BAJAJHFL
Bajaj Housing Finance Limited
65,449 cr23.3x2.7x11.7%-23.2%+18.0%0.00%
PNBHOUSING
PNB Housing Finance Limited
28,300 cr12.3x1.5x12.1%-26.6%+9.0%0.46%
LICHSGFIN
LIC Housing Finance Limited
27,377 cr4.8x0.7x13.8%-20.0%-2.3%2.01%
AADHARHFC
Aadhar Housing Finance Limited
19,295 cr17.1x2.6x15.1%-29.9%+17.1%0.00%
SAMMAANCAP
Sammaan Capital Limited
12,907 cr-0.7x----31.2%0.00%
HOMEFIRST
Home First Finance Company India Limited
10,578 cr18.3x2.4x13.3%-29.1%+18.6%0.36%
APTUS
Aptus Value Housing Finance India Limited
9,912 cr10.1x2.0x19.5%-42.7%+15.4%2.27%
CANFINHOME
Can Fin Homes Limited
9,666 cr8.4x1.5x18.0%-26.4%+7.8%1.79%
AAVAS
Aavas Financiers Limited
8,929 cr13.1x1.8x13.6%-24.9%+12.9%0.00%
INDIASHLTR
India Shelter Finance Corporation Limited
6,777 cr13.2x2.1x16.5%-32.9%+19.7%0.80%
REPCOHOME
Repco Home Finance Limited
1,915 cr4.0x0.5x11.9%-26.5%+7.4%2.78%
GICHSGFIN
GIC Housing Finance Limited
660 cr4.2x0.3x7.5%-14.5%+0.5%3.67%
SRGHFL
SRG Housing Finance Limited
154 cr4.5x0.5x11.5%-16.3%+29.3%0.00%
RHFL
Reliance Home Finance Limited
59 cr----84.9%--0.00%

Swipe the table sideways for more columns. Tap a heading to sort. A dash means the figure is not filed or cannot be worked out for that company. A bigger cohort is cut to its 40 largest companies.

The business
Sales and net profit from the company's own filings, by financial year or by quarter. Hover any bar for that period's complete figures including operating margin and the change against the comparable earlier period. The single TTM figure above is the sum of the last four quarters.
3 years · 20 quarters
Full financial years - the long arc of the business.
Sales growth
-
a year, 3 years
Profit growth
-
a year, 3 years
Operating margin
79.1%
latest year
Sales by financial yearRs 1,082 Cr
Net profit by financial yearRs 155 Cr
FY243 full years · hover a yearFY26

Operating margin has gone from 86.7% to 79.1% over these years - the share of every rupee of sales kept after running costs, before interest and tax. Full financial years only, so a part-year is never shown as a whole one. Hover any year for its complete figures.

Dividends paid
Cash paid per share, from the exchange's corporate-action record, restated to today's share count across bonuses and splits. Dates shown are ex-dates: you must own the shares before that date to receive the payment.
3.67% yield
Rs 3,670 / year
Paid 11 of 11 yrs
on Rs 1 lakh at today's price · 3.67% yield · Rs 4.5/share
What each year paid, on Rs 1 lakh
4,078
4,485
4,485
1,631
3,262
3,670
3,670
3,670
3,670
3,670
17
18
19
20
21
22
23
24
25
26*
* 2026 so far - more may still be declared this year

2026 has paid Rs 4.50 per share, about Rs 3,670 on Rs 1 lakh at today's price. Dividends are at the company's discretion and can be cut or skipped.

Technical snapshot
Momentum, trend and delivery-based conviction from the actual price and volume history.
EOD 26 Oct
RSI (14) - momentum
21.1Oversold
0 oversold3070overbought 100
Delivery % - genuine buying vs churn
66.3%Near average
today 66.3%20d avg 64.2%

The share of traded quantity that was actually delivered (not squared off intraday) - high delivery vs its 20-session average suggests real buying or holding, not just churn.

vs 50-DMA
-9.87%
vs 200-DMA
-18.02%
1-month
-12.09%
3-month
-16.51%
1-year
-28.58%
Realized vol (30d)
16.5%
Insider trading disclosures
Promoter, director and other insider trades in the company's own shares, as disclosed to the exchange under SEBI's insider-trading regulations - usually within a few days of the transaction.
last 18 months

Insider trading data unavailable.

Recent announcements
The company's own filings to the exchange - results, board meetings, investor calls - with a link to the source document.
last 6 months

Announcements unavailable.

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Equity price, fundamentals and realized volatility are end-of-day / quarterly from real market data. The option chain (PCR, max pain, expected move, IV, OI) is live from the exchange during market hours; outside them it shows the last session's close. Shareholding, insider trades and announcements are the company's own exchange filings. Analysis only, not investment advice.