GIC Housing Finance Limited
NSE: GICHSGFIN · Housing Finance Company
Snapshot
Unlock GIC Housing Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
GIC Housing Finance Limited is an Indian housing finance company that provides residential mortgage loans to individuals and entities involved in housing construction. The company operates through a network of 75 offices across India.
Business Model
The company generates revenue primarily through interest income earned on housing loans provided to individuals and developers. It operates as a housing finance institution, leveraging its market presence to facilitate residential property acquisition.
- Offices:75
- Incorporation Year:1989
Growth Outlook
Growth is driven by the increasing demand for affordable housing and residential infrastructure in India. The company aims to expand its loan book by leveraging its established brand and distribution network.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the demand for new housing loans.
- Credit Risk. The company faces potential losses if borrowers default on their mortgage repayments due to economic downturns or personal financial distress.
- Regulatory Risk. Changes in housing finance regulations and government policies regarding the real estate sector may affect operational costs and lending practices.
- Liquidity Risk. As a non-banking financial company, it relies on external funding sources, making it vulnerable to liquidity crunches in the broader financial market.
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Key Metrics
REVENUE
₹1,084 Cr
TTM · consolidated
NET PROFIT
₹157 Cr
TTM · consolidated
EPS
₹29.24
TTM · consolidated
RETURN ON EQUITY
7.7%
TTM · consolidated
P/E
4.8x
Q1 FY27 · consolidated
EBITDA MARGIN
82.7%
TTM · consolidated
NET PROFIT MARGIN
3.8%
Q1 FY27 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
GIC Housing Finance LimitedGICHSGFIN | ₹756 Cr | 4.80 | — | 1.2% | 82.7% | 7.7% | 8.6% | -18.7% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
Repco Home Finance LimitedREPCOHOME | ₹2,244 Cr | 4.66 | — | 6.2% | 88.7% | 12.9% | 10.3% | +0.2% |
SRG Housing Finance LimitedSRGHFL | ₹386 Cr | 11.27 | — | 31.3% | 63.4% | 12.2% | 20.5% | -18.1% |
As of Q1 FY27
Financials
GIC Housing Finance Limited
NSE: GICHSGFIN · Housing Finance Company
Snapshot
Unlock GIC Housing Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
GIC Housing Finance Limited is an Indian housing finance company that provides residential mortgage loans to individuals and entities involved in housing construction. The company operates through a network of 75 offices across India.
Business Model
The company generates revenue primarily through interest income earned on housing loans provided to individuals and developers. It operates as a housing finance institution, leveraging its market presence to facilitate residential property acquisition.
- Offices:75
- Incorporation Year:1989
Growth Outlook
Growth is driven by the increasing demand for affordable housing and residential infrastructure in India. The company aims to expand its loan book by leveraging its established brand and distribution network.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the demand for new housing loans.
- Credit Risk. The company faces potential losses if borrowers default on their mortgage repayments due to economic downturns or personal financial distress.
- Regulatory Risk. Changes in housing finance regulations and government policies regarding the real estate sector may affect operational costs and lending practices.
- Liquidity Risk. As a non-banking financial company, it relies on external funding sources, making it vulnerable to liquidity crunches in the broader financial market.
Start your research today
Unlock AI insights, financials, peers and live data on GIC Housing Finance Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,084 Cr
TTM · consolidated
NET PROFIT
₹157 Cr
TTM · consolidated
EPS
₹29.24
TTM · consolidated
RETURN ON EQUITY
7.7%
TTM · consolidated
P/E
4.8x
Q1 FY27 · consolidated
EBITDA MARGIN
82.7%
TTM · consolidated
NET PROFIT MARGIN
3.8%
Q1 FY27 · consolidated
Peers · Housing Finance Company
As of Q1 FY27