| GIC HOUSING FINANCE   | 
GIC HOUSING FINANCE Last 5 Year Financial Ratios History
[Consolidated]
| Mar2025 | Mar2024 | Mar2023 | Mar2022 | |
|---|---|---|---|---|
| Operational & Financial Ratios | ||||
| Earnings Per Share (Rs) | 29.79 | 28.11 | 39.60 | 32.22 | 
| CEPS(Rs) | 32.58 | 30.90 | 41.45 | 33.84 | 
| DPS(Rs) | 4.50 | 4.50 | 4.50 | 4.50 | 
| Book NAV/Share(Rs) | 364.87 | 339.61 | 315.56 | 280.54 | 
| Tax Rate(%) | 22.39 | 25.87 | 26.43 | 24.67 | 
| Margin Ratios | ||||
| Core EBITDA Margin(%) | 86.01 | 86.77 | 75.69 | 81.23 | 
| EBIT Margin(%) | 84.34 | 86.54 | 89.05 | 81.05 | 
| Pre Tax Margin(%) | 19.16 | 19.31 | 26.00 | 20.03 | 
| PAT Margin (%) | 14.87 | 14.32 | 19.13 | 15.09 | 
| Cash Profit Margin (%) | 16.26 | 15.74 | 20.02 | 15.85 | 
| Performance Ratios | ||||
| ROA(%) | 1.52 | 1.43 | 1.88 | 1.47 | 
| ROE(%) | 8.46 | 8.58 | 13.29 | 11.49 | 
| ROCE(%) | 8.63 | 8.62 | 8.75 | 7.86 | 
| Asset Turnover(x) | 0.10 | 0.10 | 0.10 | 0.10 | 
| Sales/Fixed Asset(x) | 15.05 | 12.74 | 18.60 | 28.84 | 
| Working Capital/Sales(x) | -0.37 | -0.36 | -7.33 | -10.73 | 
| Efficiency Ratios | ||||
| Fixed Capital/Sales(x) | 0.07 | 0.08 | 0.05 | 0.03 | 
| Receivable days | 0.10 | 0.11 | 0.08 | 0.07 | 
| Inventory Days | - | - | - | - | 
| Payable days | - | - | - | - | 
| Valuation Parameters | ||||
| PER(x) | 5.63 | 7.17 | 3.91 | 4.07 | 
| PCE(x) | 5.15 | 6.52 | 3.74 | 3.87 | 
| Price/Book(x) | 0.46 | 0.59 | 0.49 | 0.47 | 
| Yield(%) | 2.68 | 2.23 | 2.91 | 3.44 | 
| EV/Net Sales(x) | 8.87 | 9.09 | 8.87 | 9.19 | 
| EV/Core EBITDA(x) | 10.20 | 10.33 | 9.86 | 11.24 | 
| EV/EBIT(x) | 10.52 | 10.50 | 9.96 | 11.34 | 
| EV/CE(x) | 0.90 | 0.92 | 0.91 | 0.90 | 
| M Cap / Sales | 0.84 | 1.03 | 0.75 | 0.61 | 
| Growth Ratio | ||||
| Net Sales Growth(%) | 2.06 | -5.18 | -3.03 | - | 
| Core EBITDA Growth(%) | 0.88 | -7.27 | 6.60 | - | 
| EBIT Growth(%) | -0.53 | -7.85 | 6.53 | - | 
| PAT Growth(%) | 5.99 | -29.03 | 22.90 | - | 
| EPS Growth(%) | 5.99 | -29.03 | 22.90 | - | 
| Financial Stability Ratios | ||||
| Total Debt/Equity(x) | 4.44 | 4.68 | 5.38 | 6.85 | 
| Current Ratio(x) | 0.08 | 0.04 | 0.63 | 0.82 | 
| Quick Ratio(x) | 0.08 | 0.04 | 0.63 | 0.82 | 
| Interest Cover(x) | 1.29 | 1.29 | 1.41 | 1.33 | 
| Total Debt/Mcap(x) | 9.66 | 7.90 | 10.96 | 14.67 | 
Compare Financial Ratios of peers of GIC HOUSING FINANCE
| Peers & Returns | Market Capitalization | 1 Week | 1 Month | 1 Year | ||
| GIC HOUSING FINANCE | ₹941.4 Cr | -1.4% | -0.3% | -15.4% | Stock Analytics | |
| BAJAJ HOUSING FINANCE | ₹91,864.0 Cr | 0.4% | 0.2% | -15.4% | Stock Analytics | |
| HOUSING & URBAN DEVELOPMENT CORPORATION | ₹47,405.0 Cr | 4.3% | 5.9% | 17.4% | Stock Analytics | |
| LIC HOUSING FINANCE | ₹31,427.8 Cr | -2.3% | 1.1% | -7.9% | Stock Analytics | |
| PNB HOUSING FINANCE | ₹24,186.9 Cr | 0.1% | 7.5% | 3.7% | Stock Analytics | |
| AADHAR HOUSING FINANCE | ₹22,079.1 Cr | -0.5% | 0.1% | 19.1% | Stock Analytics | |
GIC HOUSING FINANCE Share Price vs Sensex
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year | 
| GIC HOUSING FINANCE | -1.4% | -0.3% | -15.4% | 
| SENSEX | -0.3% | 4.5% | 5.7% | 
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