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GIC HOUSING FINANCE
Intrinsic Value | Fundamental Analysis

BOM : 511676     NSE : GICHSGFIN    
LT :  
    Long Term Analysis
Fundamentals : Bad
Valuation : Bad [Stock is Expensive]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
Feb 20,2024
Price(EOD): ₹ 240.45
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - Housing
MCap: ₹ 1,296.03 Cr
Value of ₹ 1 Lac invested in GIC HOUSING FINANCE
on Feb 20,2019 (price: ₹ 230.65)

₹ 1 L

₹ 1.04 L

1W : 0.5% 1M : -8.6% 1Y : 42.8%
COMMUNITY POLL
for GIC HOUSING FINANCE
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
GIC HOUSING FINANCE 0.5% -8.6% 42.8%
HOUSING DEVELOPMENT FINANCE CORPORATION -2.4% 3.4% 23.3%
LIC HOUSING FINANCE 0.4% 9.3% 70.7%
AAVAS FINANCIERS 0.1% -3.6% -27%
APTUS VALUE HOUSING FINANCE INDIA -2.5% -5.4% 31.2%
HOUSING & URBAN DEVELOPMENT CORPORATION 0.3% 24.8% 332.6%
PNB HOUSING FINANCE -5.3% -15.2% 57.6%
CAN FIN HOMES -0.7% 0.6% 35.7%
INDIABULLS HOUSING FINANCE 1.1% 6.4% 90.5%

FUNDAMENTAL ANALYSIS OF GIC HOUSING FINANCE

 
Fundamentals Score
[ Q(TTM): Dec2023, Y: Mar2023
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF GIC HOUSING FINANCE

 
Valuation Score
[As on : Feb 20,2024 ]

Ratio Consolidated
P/E
P/B
P/S
8.63
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 150.01 Cr
[Latest Qtr - Dec2023 - Consolidated Results ]

0.76
P/B Calculated based on Book Value of Rs 1,699.30 Cr
[Latest Year - Mar2023 - Consolidated Results ]

1.2
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 1,078.30 Cr
[Latest Qtr - Dec2023 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF GIC HOUSING FINANCE

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
59%
13%

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SHARE PRICE MOMENTUM OF GIC HOUSING FINANCE



GIC HOUSING FINANCE vs SENSEX


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DEBT OF GIC HOUSING FINANCE

Year Debt/Equity ratio
Standalone Consolidated
2023
2022
2021
Avg_3yrs
-
6.85
8.26
5.04
-
6.85
-
2.28
[Last Annual Data : Mar2023]
Financial Ratios →

PLEDGED PROMOTER SHARES OF GIC HOUSING FINANCE

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF GIC HOUSING FINANCE

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
-2.42%
-0.35%
4.26%
18.09%
-7.02%
-16.91%
-51.99%
-45.52%
QtrlyTrend
-4
Latest Qtr: Dec2023
Quarterly Result Analysis →


GIC HOUSING FINANCE related INDICES

BSE Indices1W1M1Y
S&P BSE SMALL CAP 3.7% 4.4% 64.4%
S&P BSE MIDSMALLCAP 3.4% 5.4% 63.5%
S&P BSE FINANCE 3% 2.7% 20%
S&P BSE ALLCAP 2.6% 4.5% 37.4%
No NSE index found

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FAQ about GIC HOUSING FINANCE


Is GIC HOUSING FINANCE good for long term investment?

As on Feb 20,2024, the Fundamentals of GIC HOUSING FINANCE look Poor and hence it may not be good for long term investment ! See Financial Performance of GIC HOUSING FINANCE . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is GIC HOUSING FINANCE UnderValued or OverValued?

As on Feb 20,2024, GIC HOUSING FINANCE is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of GIC HOUSING FINANCE ?

As on Feb 20,2024, the Intrinsic Value of GIC HOUSING FINANCE is Rs. 181.95 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -8.47
Fair Value [Median EV / Sales Model] : Rs. 150.94
Fair Value [Median Price / Sales Model] : Rs. 212.96
Estimated Median Fair Value of GIC HOUSING FINANCE : Rs. 181.95

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is GIC HOUSING FINANCE trading at a Premium or Discount?

As on Feb 20,2024, GIC HOUSING FINANCE is trading at a Premium of 32% based on the estimates of Median Intrinsic Value!