GIC Housing Finance LTD

Gic Housing Finance Ltd (GICHSGFIN) is a micro-cap Financial Services company valued at ₹710 crore operating in Housing Finance Company on the NSE and BSE.

Recent price move

Gic Housing Finance Ltd last traded at ₹131.37, modestly up 0.39% on the day.

Recent developments

On 2026-07-03, the RBI imposed a penalty of ₹66.7 lakh on Bank of Baroda, with GIC Housing Finance mentioned as part of the case. The RBI found that the public sector lender had collected interest higher than the contracted rate in certain loan accounts.

Financial performance

The company's annual revenue grew 0.3% to ₹1,082 crore, while annual net profit fell 3.2% to ₹155 crore. In the latest quarter, revenue rose 0.5% to ₹267 crore, but net profit surged 44.0% to ₹10 crore, indicating improving profitability in the recent period despite a decline in margins.

Valuation multiples

The stock trades at 4.6 times earnings, a discount to the Financial Services median of 19.3, 0.34 times book value. It yields 3.4%.

Things to watch

The company's net profit margin narrowed 0.6 percentage points to 14.3%, and its return on capital employed is 1.4%, suggesting weak efficiency. The debt to equity ratio is 4.30, indicating highly leveraged operations. The stock is 27.8% below its 52-week high.

Where it stands

The company's latest quarter showed a significant rise in net profit, but annual net profit fell and margins declined. The stock is trading 27.8% below its 52-week high, and the company remains highly leveraged with a debt to equity ratio of 4.30.

Summarised by DocStoX's model on 2026-10-04 from company filings, exchange data and news. This is a factual summary, not a rating or a recommendation. Informational only, not investment advice. Consult a SEBI-registered adviser before investing.