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GIC Housing Finance (GICHSGFIN) had a P/E of 4.3× on 6 Nov 2026, and the shares are 31% below their 52-week high. Its ROE of 7.6% is the second-lowest among the 7 largest Mortgage Finance peers, and net profit fell 10% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.32× book value and its dividend yield is 3.6%. It is a small-cap company with a market cap of ₹680 Cr, ranked 13th of 21 Mortgage Finance companies by market cap; the shares fell 26% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹128.00
Day high
₹128.70
Day low
₹124.70
Prev. close
₹128.43
Volume
1.2 L

Health check

1 good · 4 to check
  • ReturnsBehind

    −26.0% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 0.32 vs peer median 1.55.

  • GrowthShrinking

    Profit −10.1% a year over 3 years.

  • ProfitabilityWeak

    ROE 7.6% vs peer median 14.3%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags2 to check

    Return on equity is low at 7.6%.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Mortgage Finance

20 listed peers. Screen the industry

Small cap

₹680 Cr, #13 of 21 in its industry by size.

Defensive

Beta 0.61 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Jun 2026: sales ₹361 Cr · profit ₹157 Cr
Market cap
₹680 Cr
Small cap
P/E
4.3
Industry 12.2
Price to book
0.32
Peers 1.55
Dividend yield
3.56%
ROE
7.6%
Peers 14.3%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹29.24
Face value ₹10
OPM (TTM)
21.7%
Net margin 43.6%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+35.8%
Latest quarter vs a year ago
Price to sales
1.89

Strengths and risks

Strengths

  • Dividend yield of 3.56%.
  • Quarterly profit up 35.8% on a year ago.

Risks to check

  • Return on equity is low at 7.6%.
  • 31% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About GIC Housing Finance

GIC Housing Finance Limited provides housing finance services for salaried and self-employed individuals in India. The company offers long-term finance to individuals, cooperative societies, associations of persons, companies, and corporations for the purchase of plots, houses, flats, and apartments, as well as for the construction, repair, renovation, and upgradation of houses, flats, and apartments for residential purposes. It also provides home loans,…

Headquarters
Mumbai
Employees
515
Sector
Financial Services
ISIN
INE289B01019
Website
gichfindia.com

Price range

52 weeks

₹120.00₹184.00

Today

₹124.70₹128.70
Avg volume (3M)
85.7K
1-year return
minus 26.0%
From 52-week high
minus 31.3%

Peers · Mortgage Finance

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJAJHFLBajaj Housing Finance80.00minus 3.80%66,63223.72.7712.4%2.2%26.7%0.00%minus 24.1%
LICHSGFINLIC Housing Finance536.00plus 1.32%29,4835.00.6714.3%1.8%24.7%1.87%minus 7.8%
PNBHOUSINGPNB Housing Finance1,100.20plus 0.02%28,69412.21.4212.3%2.5%29.9%0.73%plus 18.1%
AADHARHFCAadhar Housing Finance429.65minus 1.96%18,83616.12.4815.8%–26.2%0.00%minus 13.9%
SAMMAANCAPSammaan Capital132.27minus 1.12%16,343–0.57−35.0%––0.00%minus 28.2%
HOMEFIRSTHome First Finance Company India1,090.90minus 1.13%11,40818.52.4414.3%4.0%33.3%0.48%minus 7.7%
CANFINHOMECan Fin Homes748.95plus 0.72%9,9738.61.5519.4%2.6%20.5%2.14%minus 13.7%
GICHSGFINGIC Housing Finance126.33minus 1.64%6804.30.327.6%–−10.1%3.56%minus 26.0%
Median of 7 peers–−1.12%18,83614.21.5514.3%2.5%26.5%0.48%−13.7%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
263266268271265
203204213210211
60.362.255.361.153.9
22.9%23.4%20.6%22.6%20.3%
0.10.300.80.6
2.52.82.82.83.8
−78.21.62.44.4−32.9
−20.361.354.963.417.7
136.5%18.3%20.4%15.3%43.2%
7.45043.753.710.1
1.389.298.119.971.87

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−10.1%
EPS CAGR 3Y
−10.1%
ROE
7.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,0851,0311,0371,052
–minus 5.0%+0.6%+1.4%
806825833879
279206205173
25.7%20.0%19.7%16.5%
1714.616.856.2
1.51.71.73
9.9151511
5.4−0.12−56.2
290204207159
26.4%25.9%22.4%2.8%
213151160155
–minus 29.0%+6.0%minus 3.5%
39.6028.1129.7928.75

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
53.953.953.953.9
1,6451,7751,9112,053
9,1688,5848,7519,119
52.957.359.973.8
10,92010,47110,77511,299
25.822.824.368.1
–0.4––
75.986.557.270.8
245124258188
10,57410,23710,43610,972
10,92010,47110,77511,299

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,043522−17.5−320
−21363.5−8751.7
−1,238−619122255
−408−33.817.9−13.7
−6−4−2.7−5.3
1,037518−20.2−325
−24.2−24.2−24.2−24.2

Shareholding pattern

Source: NSE filings
42.4%
promoters
  • Promoters42.41%
  • Public57.59%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202642.41%57.59%0.00
30 Jun 202642.41%57.59%0.00
31 Mar 202642.41%57.59%0.00
31 Dec 202542.41%57.59%0.00
30 Sep 202542.41%57.59%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you