GIC Housing Finance Limited
GICHSGFIN · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹257.3. Low-confidence estimate — limited data.
Piotroski F-score 3/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%7.6%
- ✕Low debt (D/E < 0.5)4.33x
- ✕Positive free cash flow
- ✕Revenue growth > 10%4%
- ✓Earnings growing52%
- ✓Net margin ≥ 10%49.4%
- ✓Current ratio > 1.55.48
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 73/9
1-year price
EOD · 2026-06-16Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Quarterly results
Annual financials
Shareholding
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (49.4%).
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).
Opportunities
- •Earnings growing (52% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~100% below our estimated fair value.
About GIC Housing Finance Limited
GIC Housing Finance Limited provides housing finance services in India. The company grants housing loans to individuals, cooperative societies, association of persons, companies, and corporations for purchase of plots, houses, flats, apartments and construction, repair, renovation, upgradation of houses, and flats or apartments for residential purpose. It also provides home loans comprising individual housing, composite, repair and renovation, and home extension loans, as wel
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Our 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.