GICHSGFIN:NSE-GIC Housing Finance Limited (INR)

COMMON STOCK | Mortgage Finance | NSE

Last Closing Price

INR 139.10

Change

-0.40 (-0.29)%

Market Cap

INR 7.52B

Volume

0.67M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

GIC Housing Finance Limited provides housing finance services in India. It grants housing loans to individuals, as well as to persons/entities engaged in construction of houses/flats for residential purposes. As of March 31, 2020, it had 75 offices. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

Company Website : http://www.gichfindia.com

Address : National Insurance Building, Mumbai, India, 400020

Employees : 325

Fiscal Year End : March

Currency: INR

Country : India

Technical Indicators

Beta : 1.49

52 Week High : 147.45

52 Week Low : 50.18

200 Day Moving Average : 110.09

50 Day Moving Average : 123.36

Shares Held by Institutions : 49.3%

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-02-25 )

Largest Industry Peers for Mortgage Finance

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFC:NSE Housing Development Finance Co..

-23.05 (-0.85%)

 INR4,877.82B 27.28 14.71
LICHSGFIN:NSE LIC Housing Finance Limited

+7.75 (+1.75%)

 INR223.82B 8.11 N/A
AAVAS:NSE Aavas Financiers Limited

+63.50 (+2.90%)

 INR172.33B 66.31 86.27
IBULHSGFIN:NSE Indiabulls Housing Finance Lim..

+8.00 (+3.68%)

 INR100.51B 8.74 N/A
PNBHOUSING:NSE PNB Housing Finance Limited

+6.85 (+1.52%)

 INR75.64B 13.49 N/A
CANFINHOME:NSE Can Fin Homes Limited

-6.75 (-1.36%)

 INR66.08B 14.86 N/A
REPCOHOME:NSE Repco Home Finance Limited

-0.25 (-0.07%)

 INR21.70B 7.47 9.05
DHFL:NSE Dewan Housing Finance Corporat..

+0.90 (+5.00%)

 INR5.65B N/A 9.75
RHFL:NSE Reliance Home Finance Limited

+0.05 (+2.27%)

 INR1.09B 2.77 43.35
TFL:NSE Transwarranty Finance Limited

N/A

 INR0.06B 33.94 N/A

ETFs Containing GICHSGFIN

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Mortgage Finance)		 Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 14.20% 64% D 71% C-
Dividend Return N/A N/A N/A N/A N/A
Total Return 14.20% 64% D 70% C-
Trailing 12 Months  
Capital Gain 38.00% 82% B- 54% F
Dividend Return 1.98% 75% C 73% C
Total Return 39.98% 91% A- 56% F
Trailing 5 Years  
Capital Gain -25.75% 63% D 31% F
Dividend Return 12.28% 86% B 79% C+
Total Return -13.48% 63% D 34% F
Average Annual (5 Year Horizon)  
Capital Gain -11.90% 55% F 25% F
Dividend Return 1.52% 88% B+ 80% B-
Total Return -10.38% 55% F 27% F
Risk Return Profile  
Volatility (Standard Deviation) 50.60% 36% F 32% F
Risk Adjusted Return -20.51% 64% D 33% F
Market Capitalization 7.52B 36% F 51% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Mortgage Finance)		 Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 14.37 50% F 62% D-
Price/Book Ratio 0.62 73% C 78% C+
Price / Cash Flow Ratio 34.66 9% F 14% F
EV/EBITDA 62.00 33% F 9% F
Management Effectiveness  
Return on Equity 0.45% 30% F 32% F
Return on Invested Capital 0.25% 18% F 27% F
Return on Assets 0.04% 36% F 29% F
Debt to Equity Ratio 930.33% 9% F 1% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.49 36% F 15% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector