Stock GICHSGFIN GIC HOUSING FINANCE LIMITED
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Financials GIC Housing Finance Limited Bombay S.E.

Equities

GICHSGFIN

INE289B01019

Consumer Lending

Market Closed - Bombay S.E.
Other stock markets
 03:30:50 26/04/2024 pm IST 		5-day change 1st Jan Change
221.2 INR +1.03% Intraday chart for GIC Housing Finance Limited +4.44% +3.24%
29/02 GIC Housing Finance Limited Announces Resignation of Satyajit Tripathy, Non-Executive Director CI
05/02 GIC Housing Finance Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2023 CI

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 20,051 14,521 3,199 6,276 7,052 8,339
Enterprise Value (EV) 1 1,19,319 1,30,622 1,19,775 1,17,665 1,05,923 99,321
P/E ratio 10.9 x 8.45 x 7.01 x 5.95 x 4.06 x 3.91 x
Yield 1.48% 2.04% 3.37% 3.43% 3.44% 2.91%
Capitalization / Revenue 5.69 x 4.41 x 1.04 x 2.84 x 2.17 x 2.13 x
EV / Revenue 33.8 x 39.7 x 39 x 53.3 x 32.6 x 25.3 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 2.02 x 1.16 x 0.25 x 0.46 x 0.47 x 0.49 x
Nbr of stocks (in thousands) 53,851 53,851 53,851 53,851 53,851 53,851
Reference price 2 372.4 269.6 59.40 116.6 131.0 154.8
Announcement Date 10/08/18 21/08/19 23/11/20 02/09/21 25/08/22 25/08/23
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 3,527 3,293 3,069 2,206 3,252 3,920
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 2,718 2,471 1,123 1,346 2,303 2,898
Net income 1 1,844 1,718 456.1 1,056 1,735 2,132
Net margin 52.3% 52.17% 14.86% 47.85% 53.36% 54.4%
EPS 2 34.25 31.90 8.470 19.60 32.22 39.60
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 5.500 5.500 2.000 4.000 4.500 4.500
Announcement Date 10/08/18 21/08/19 23/11/20 02/09/21 25/08/22 25/08/23
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 99,267 1,16,101 1,16,577 1,11,388 98,871 90,982
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 20.2% 14.5% 3.62% 8.06% 12.1% 13.3%
ROA (Net income/ Total Assets) 1.78% 1.42% 0.35% 0.82% 1.41% 1.87%
Assets 1 1,03,799 1,20,577 1,30,352 1,28,713 1,22,856 1,14,251
Book Value Per Share 2 184.0 233.0 235.0 252.0 281.0 316.0
Cash Flow per Share 2 10.60 9.010 20.50 16.10 88.70 12.90
Capex 1 4.8 15.3 6.3 4.2 2.1 14
Capex / Sales 0.14% 0.46% 0.21% 0.19% 0.06% 0.36%
Announcement Date 10/08/18 21/08/19 23/11/20 02/09/21 25/08/22 25/08/23
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Other Consumer Lending
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