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GIC Housing Finance Limited (GICHSGFIN.NS)
INR149.90
+1.18 (+0.79%)
IN NSE Financial Services Financial - Mortgages
Address
National Insurance Building 400020
Mumbai, MA, IN
Mumbai, MA, IN
CEO
Sachindra Salvi
Website
gichfindia.com
IPO
2002-07-01
ISIN INE289B01019
Also trades on
Bombay Stock Exchange · GICHSGFIN.BO (INR)
National Stock Exchange of India · GICHSGFIN.NS (INR)
Description
GIC Housing Finance Limited, an Indian company established in 1989, delivers a range of financial services for housing needs across the country. The firm provides home loans to individuals and also finances businesses and developers involved in the construction of residential properties. As of March 31, 2021, it managed 75 operational branches. Originally known as GIC Grih Vitta Limited, the company adopted its current name, GIC Housing Finance Limited, in November 1993. Its main office is situated in Mumbai, India.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR149.90
+1.18 (+0.79%)
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Volume Profile
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Liquidity & share structure
Average Volume
151.9K
Beta
0.57
Float Shares
44.24M
Free Float %
82.1%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.26% | -2.14% | -2.87% | -6.10% | -11.79% | -13.83% | -19.62% | -11.75% | +20.32% | -42.07% | +752.23% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
149.90
DCF (Unlevered)
59.37
-60.4%
DCF (Levered)
4,076.45
+2,619.4%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.22
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Mortgages: +18.2%+4.3% Q1'26: +8.8% (vs Q1'25)
-
EPS growth Financial - Mortgages: +18.3%-3.5% Q1'26: +52.4% (vs Q1'25)
-
FCF margin FCF growth · Financial - Mortgages: +84.8%+27.5% Q1'26: -36.9% (vs Q1'25)
-
EBIT margin Financial - Mortgages: +34.8%+14.7% Q1'26: +23.2% (vs Q1'25)
-
ROIC Financial - Mortgages: +4.9%+1.4% Q1'26: +1.9% (vs Q1'25)
-
Share dilution Financial - Mortgages: 0.0%+0.0% ★ Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×53.58× Q1'26: 34.44× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
Mar 2031 1 Rev. Ana. 1 EPS Ana. |
Mar 2032 1 Rev. Ana. 1 EPS Ana. |
Mar 2033 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
5.30B
est: 3.59B (+47.6%)
|
6.24B
est: 6.35B (-1.8%)
|
7.31B
est: 4.83B (+51.4%)
|
8.74B
est: 6.76B (+29.4%)
|
10.00B
est: 6.64B (+50.5%)
|
11.08B
est: 6.45B (+71.9%)
|
12.25B
est: 7.93B (+54.4%)
|
12.47B
est: 2.98B (+318.2%)
|
12.20B
est: 4.07B (+199.4%)
|
11.38B
est: 4.41B (+157.7%)
|
10.85B
est: 4.95B (+119.4%)
|
10.31B
est: 3.36B (+206.8%)
|
6.64B
6.64B – 6.64B
+97.6% YoY
|
6.64B
6.64B – 6.64B
+0.0% YoY
|
6.45B
6.45B – 6.45B
-3.0% YoY
|
7.93B
7.93B – 7.93B
+23.1% YoY
|
2.98B
2.98B – 2.98B
-62.4% YoY
|
4.07B
4.07B – 4.07B
+36.6% YoY
|
4.41B
4.41B – 4.41B
+8.4% YoY
|
4.95B
4.95B – 4.95B
+12.1% YoY
|
| EBITDA |
1.18B
est: 742.73M (+59.5%)
|
1.34B
est: 2.06B (-35.1%)
|
1.55B
est: 997.98M (+55.7%)
|
2.01B
est: 1.91B (+5.2%)
|
2.32B
est: 2.24B (+3.7%)
|
2.78B
est: 942.96M (+195.3%)
|
2.48B
est: 1.64B (+51.1%)
|
1.20B
est: 616.18M (+94.4%)
|
1.40B
est: 841.90M (+66.6%)
|
2.40B
est: 912.39M (+163.5%)
|
3.01B
est: 1.27B (+138.1%)
|
2.21B
est: 1.03B (+113.9%)
|
2.03B
2.03B – 2.03B
+96.6% YoY
|
2.03B
2.03B – 2.03B
+0.0% YoY
|
1.97B
1.97B – 1.97B
-3.0% YoY
|
2.42B
2.42B – 2.42B
+23.1% YoY
|
910.87M
910.87M – 910.87M
-62.4% YoY
|
1.24B
1.24B – 1.24B
+36.6% YoY
|
1.35B
1.35B – 1.35B
+8.4% YoY
|
1.51B
1.51B – 1.51B
+12.1% YoY
|
| EBIT |
1.16B
est: 1.61B (-27.8%)
|
1.32B
est: 1.97B (-32.9%)
|
1.52B
est: 950.15M (+59.8%)
|
2.00B
est: 1.82B (+9.5%)
|
2.32B
est: 2.19B (+5.9%)
|
2.78B
est: 927.58M (+199.5%)
|
2.47B
est: 1.56B (+58.2%)
|
1.14B
est: 586.65M (+93.7%)
|
1.36B
est: 801.56M (+69.4%)
|
2.32B
est: 868.67M (+166.7%)
|
2.91B
est: 1.14B (+156.3%)
|
2.06B
est: 944.58M (+117.9%)
|
1.86B
1.86B – 1.86B
+96.6% YoY
|
1.86B
1.86B – 1.86B
+0.0% YoY
|
1.80B
1.80B – 1.80B
-3.0% YoY
|
2.22B
2.22B – 2.22B
+23.1% YoY
|
833.36M
833.36M – 833.36M
-62.4% YoY
|
1.14B
1.14B – 1.14B
+36.6% YoY
|
1.23B
1.23B – 1.23B
+8.4% YoY
|
1.38B
1.38B – 1.38B
+12.1% YoY
|
| Net Income |
850.30M
est: 3.41B (-75.1%)
|
975.50M
est: 1.50B (-35.1%)
|
1.03B
est: 1.06B (-2.7%)
|
1.25B
est: 1.24B (+0.7%)
|
1.48B
est: 1.44B (+2.6%)
|
2.06B
est: 607.49M (+238.5%)
|
1.72B
est: 6.06B (-71.7%)
|
456.10M
est: 436.19M (+4.6%)
|
1.06B
est: 576.20M (+83.2%)
|
1.74B
est: 942.38M (+84.1%)
|
2.13B
est: 490.64M (+334.6%)
|
1.51B
est: 1.87B (-18.9%)
|
1.40B
1.40B – 1.40B
-25.1% YoY
|
1.40B
1.40B – 1.40B
+0.0% YoY
|
1.57B
1.57B – 1.57B
+12.0% YoY
|
1.70B
1.70B – 1.70B
+8.3% YoY
|
436.19M
436.19M – 436.19M
-74.3% YoY
|
576.20M
576.20M – 576.20M
+32.1% YoY
|
942.38M
942.38M – 942.38M
+63.6% YoY
|
1.35B
1.35B – 1.35B
+43.4% YoY
|
| SGA |
146.60M
est: 437.96M (-66.5%)
|
187.50M
est: 307.52M (-39.0%)
|
206.60M
est: 133.36M (+54.9%)
|
306.50M
est: 617.68M (-50.4%)
|
311.30M
est: 757.23M (-58.9%)
|
162.90M
est: 288.80M (-43.6%)
|
232.90M
est: 1.72B (-86.5%)
|
330.30M
est: 82.34M (+301.1%)
|
276.50M
est: 112.50M (+145.8%)
|
237.00M
est: 121.92M (+94.4%)
|
308.40M
est: 457.71M (-32.6%)
|
366.20M
est: 93.33M (+292.4%)
|
183.53M
183.53M – 183.53M
+96.6% YoY
|
183.53M
183.53M – 183.53M
+0.0% YoY
|
178.05M
178.05M – 178.05M
-3.0% YoY
|
219.13M
219.13M – 219.13M
+23.1% YoY
|
82.34M
82.34M – 82.34M
-62.4% YoY
|
112.50M
112.50M – 112.50M
+36.6% YoY
|
121.92M
121.92M – 121.92M
+8.4% YoY
|
136.65M
136.65M – 136.65M
+12.1% YoY
|
| EPS |
15.79
est: 17.68 (-10.7%)
|
18.12
est: 17.82 (+1.7%)
|
19.12
est: 19.65 (-2.7%)
|
23.12
est: 22.35 (+3.4%)
|
27.43
est: 25.97 (+5.6%)
|
34.25
est: 29.09 (+17.7%)
|
31.90
est: 31.50 (+1.3%)
|
8.47
est: 8.10 (+4.6%)
|
19.60
est: 10.70 (+83.2%)
|
32.22
est: 17.50 (+84.1%)
|
39.60
est: 25.10 (+57.8%)
|
28.11
est: 34.49 (-18.5%)
|
25.97
25.97 – 25.97
-24.7% YoY
|
25.97
25.97 – 25.97
+0.0% YoY
|
29.09
29.09 – 29.09
+12.0% YoY
|
31.50
31.50 – 31.50
+8.3% YoY
|
8.10
8.10 – 8.10
-74.3% YoY
|
10.70
10.70 – 10.70
+32.1% YoY
|
17.50
17.50 – 17.50
+63.6% YoY
|
25.10
25.10 – 25.10
+43.4% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-20 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-19 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-18 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-15 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-14 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-13 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-12 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-11 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-08 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-07 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-06 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-05 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-04 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-30 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-29 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-28 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-27 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-24 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-23 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-22 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-21 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-20 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-17 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-16 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-1.00B
OE per share TTM
-18.59
Owner's Yield
-12.47%
Maintenance CapEx ratio
0.11%
Maint CapEx / Avg PPE
2.5%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
4.75M
Shares Outstanding
53.85M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Sachindra Salvi | Managing Director & Chief Executive Officer | 6M | male |
| Varsha Godbole | Chief Financial Officer | 5M | female |
| Nutan Singh | Group Head, Company Secretary & Compliance Officer | 2M | female |
| Darshit Sheth | Asst. Vice President & Chief Compliance Officer | — | male |
| Mahesh Gobindram Matta | Vice President | — | male |
| Achuta Rama Murthy Sombhatla | Senior VP and Head of Sales & Marketing | — | male |
| Premraj Avasthi | Asst Vice President, Head of IT & Chief Information Officer | — | male |
| Sajid Munshi | Senior Vice President & Collections Head | — | male |
| T. Mariraja | SVP & Head of Operations | — | male |
| Paba Koshy | Senior VP & Head of Operations Department | — | female |
| Ajit Salunke | Legal Head | — | male |
| Birudeo Babu Phonde | Head of HR & Admin | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for GICHSGFIN.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
