GIC Housing Finance Limited
Valuation (98/100) does the heavy lifting; momentum (28/100) is the drag.
Buy zoneStocksWizard rates GIC Housing Finance Limited a Buy, scoring 69/100 on our blended model. At ₹147.68 it trades below our blended DCF and relative-multiples fair value of ₹295.36, about 100% upside to that estimate — we read it as undervalued by 100%. On 5.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 19% below its 52-week high of ₹183.16 and 16% above the low of ₹127.77. Financial health scores 69/100, with a Piotroski F-score of 3/9. It clears 5 of 12 investability checks, with durability 63, valuation 96 and momentum 28 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹236.29. Low-confidence estimate — limited data.
1-year price
EOD · 2026-07-3152-week range
-19.37% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy69Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 7.6%
- Fail: Low debt (D/E < 0.5): 4.33x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 4%
- Pass: Earnings growing: 52%
- Pass: Net margin ≥ 10%: 49.4%
- Pass: Current ratio > 1.5: 3.26
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Shareholding
- Promoter6.9%
- Institutions46.0%
- Public & other47.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (49.4%).
Opportunities
- Earnings growing (52% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Low return on equity (7.6%).
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (3/9).
About GIC Housing Finance Limited
GIC Housing Finance Limited offers housing loans in India to individuals, cooperatives, associations, companies, and corporations for residential property purchases and construction projects. The company's loan products include individual housing, composite, repair and renovation, and home extension loans for plots, houses, flats, and apartments.
GIC Housing Finance Limited — frequently asked questions
Is GIC Housing Finance Limited a buy, hold or sell?
StocksWizard currently rates GIC Housing Finance Limited (GICHSGFIN) a Buy, based on a blended score of 69/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is GIC Housing Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates GIC Housing Finance Limited's fair value at about ₹295.36, versus a current price of ₹147.68 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is GIC Housing Finance Limited financially healthy?
GIC Housing Finance Limited scores 69/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has GIC Housing Finance Limited's share price performed?
GIC Housing Finance Limited is roughly flat over three months, and last traded at ₹147.68. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.