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About the company
GIC Housing Finance Limited is an India-based company. The primary business of the Company is granting housing loans to individuals and to persons/entities engaged in construction of houses/flats for residential purposes. The Company is promoted by General Insurance Corporation of India and its erstwhile subsidiaries namely, National Insurance Company Limited, The New India Assurance Company Limited, The Oriental Insurance Company Limited and United India Insurance Company Limited. The Company’s loan products include individual housing loan, composite loans, balance transfer, repair and renovation loan, home extension loans, affordable home loans, loan against housing property, and commercial loans. Its wholly owned subsidiary is GICHFL Financial Services Private Limited.
- Revenue in INR (TTM)10.78bn
- Net income in INR1.50bn
- Incorporated1989
- Employees321.00
- LocationGIC Housing Finance LtdInsurance Building 6th floor14, Jamshedji Tata Road, ChurchgateMUMBAI 400020IndiaIND
- Phone+91 2 243041900
- Fax+91 2 222884985
- Websitehttps://www.gichfindia.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Digispice Technologies Ltd | 5.86bn | 73.73m | 6.85bn | 123.00 | 86.00 | -- | 43.43 | 1.17 | 0.343 | -1.30 | 26.82 | -- | -- | -- | -- | 47,620,210.00 | -- | -2.01 | -- | -4.21 | 31.01 | 22.12 | 1.17 | -1.58 | -- | -1.23 | -- | -- | 2.50 | 29.34 | -500.19 | -- | -11.00 | -- |
| Trucap Finance Ltd | 1.53bn | 57.57m | 7.31bn | 474.00 | 122.65 | -- | 49.64 | 4.77 | 0.51 | 0.51 | 14.24 | -- | -- | -- | -- | 3,233,141.00 | -- | 1.08 | -- | 1.11 | 98.92 | 99.13 | 3.76 | 4.54 | -- | 1.00 | -- | 6.23 | 62.55 | 75.67 | -84.15 | -31.16 | 123.12 | -45.07 |
| AGS Transact Technologies Limited | 15.87bn | -910.05m | 9.23bn | 552.00 | -- | -- | 7.28 | 0.5819 | -7.56 | -7.56 | 129.85 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 80.52 | -- | -5.73 | -- | -- | 0.2957 | -- | -- | -5.00 | -- | 144.82 | -- | -- | -- |
| Radiant Cash Management Services Ltd | 3.77bn | 517.13m | 9.24bn | 2.17k | 16.94 | -- | 16.20 | 2.45 | 5.11 | 5.11 | 36.76 | -- | -- | -- | -- | 1,734,871.00 | -- | -- | -- | -- | 26.68 | -- | 13.71 | -- | -- | 63.24 | -- | -- | 24.08 | -- | 64.17 | -- | -- | -- |
| Vardhman Holdings Limited | 320.97m | 2.00bn | 9.92bn | 2.00 | 4.96 | -- | 6.23 | 30.92 | 627.05 | 627.05 | 100.56 | -- | -- | -- | -- | 160,484,000.00 | -- | 9.83 | -- | 9.84 | -- | -- | 623.53 | 1,431.39 | -- | -- | -- | 0.5557 | -82.22 | -26.72 | -46.76 | 5.04 | -- | 0.00 |
| CSL Finance Ltd | 1.53bn | 566.84m | 10.43bn | 257.00 | 17.87 | -- | 17.99 | 6.84 | 26.03 | 26.03 | 70.07 | -- | -- | -- | -- | 5,937,452.00 | -- | 7.35 | -- | 8.09 | 74.46 | 81.63 | 37.15 | 41.07 | -- | -- | -- | 15.35 | 57.10 | 23.17 | 36.41 | 20.34 | 46.56 | 37.97 |
| GIC Housing Finance Ltd. | 10.78bn | 1.50bn | 11.81bn | 321.00 | 7.87 | -- | 7.17 | 1.09 | 27.86 | 27.86 | 200.30 | -- | -- | -- | -- | 33,591,900.00 | -- | 1.15 | -- | 1.31 | 33.58 | 32.38 | 13.91 | 11.91 | -- | 11,135.50 | -- | 15.55 | -3.03 | 0.0928 | 22.90 | 0.7294 | 65.89 | -3.93 |
| Summit Securities Ltd | 900.20m | 664.04m | 14.87bn | 5.00 | 22.40 | -- | 22.40 | 16.52 | 60.91 | 60.91 | 82.58 | -- | -- | -- | -- | 180,039,400.00 | -- | 1.06 | -- | 1.06 | -- | 99.82 | 73.77 | 77.74 | -- | 184.50 | -- | -- | -31.92 | -18.64 | -27.09 | -21.11 | -9.39 | -- |
| Centrum Capital Ltd | 17.98bn | -1.36bn | 15.06bn | 5.00k | -- | -- | -- | 0.8375 | -3.27 | -3.27 | 43.28 | -- | -- | -- | -- | 3,596,076.00 | -- | -0.954 | -- | -2.28 | 93.63 | 57.10 | -7.55 | -8.59 | -- | 0.8954 | -- | -- | 90.20 | -34.29 | 15.25 | -- | -8.07 | -- |
| Tourism Finance Corporation of India Ltd | 2.20bn | 956.02m | 16.91bn | 35.00 | 17.27 | -- | 17.47 | 7.70 | 10.57 | 10.57 | 24.27 | -- | -- | -- | -- | 62,715,230.00 | -- | 3.90 | -- | 4.52 | 56.32 | 54.08 | 43.55 | 34.19 | -- | -- | -- | 12.16 | -8.94 | 1.41 | 3.09 | 2.57 | -41.84 | 3.71 |
Data as of Apr 26 2024. Currency figures normalised to GIC Housing Finance Ltd's reporting currency: Indian Rupee INR
38.66%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| General Insurance Corp. of India (Invt Port)as of 30 Jun 2023 | 8.22m | 15.26% |
| The New India Assurance Co. Ltd. (Investment Portfolio)as of 30 Jun 2023 | 4.66m | 8.65% |
| United India Insurance Co. Ltd.as of 30 Jun 2023 | 3.96m | 7.35% |
| Life Insurance Corporation of India (Investment Portfolio)as of 30 Jun 2023 | 3.41m | 6.34% |
| Dimensional Fund Advisors LPas of 31 Jan 2024 | 483.57k | 0.90% |
| Dimensional Fund Advisors Ltd.as of 29 Feb 2024 | 48.83k | 0.09% |
| American Century Investment Management, Inc.as of 04 Apr 2024 | 42.06k | 0.08% |
| DFA Australia Ltd.as of 31 Dec 2023 | 2.16k | 0.00% |
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Data from 30 Sep 2023 - 18 Apr 2024Source: FactSet Research Systems Inc.
