GIC Housing Finance Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from GIC Housing Finance Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 84% of Financial Services companies in India.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -3% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-3% / +3%In 3 years sales changed by -3% while total assets changed by +3%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 60% of Financial Services companies in India.
Tangible Net Worth Ratio
99%Of every ₹100 of net worth, ₹99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 63% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
GIC Housing Finance Limited owes ₹0.81 for every ₹1 it owns. Net profit fell 3% in the year to Mar 2026, and shrank 10% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
4.3Investors pay ₹4.3 for every ₹1 of GIC Housing Finance Limited's yearly profit, lower than 96% of Financial Services companies in India.
P/B ratio
0.32The share price is 0.32 times GIC Housing Finance Limited's book value per share, lower than 92% of Financial Services companies in India.
Market cap
₹682 CrThe total market value of all of GIC Housing Finance Limited's shares at today's price (share price × number of shares), smaller than 72% of Financial Services companies in India. PosiCap size class: Micro Cap.
Net worth (book value)
₹2,106 CrWhat GIC Housing Finance Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹391.15Net worth divided by the number of shares. The share price of ₹126.66 is 0.3 times this, which is the P/B above.
Return on equity (ROE)
7.5%GIC Housing Finance Limited earned 7.5% on its shareholders' money over the last year, lower than 67% of Financial Services companies in India.
Owes vs Owns
0.81×GIC Housing Finance Limited owes ₹0.81 for every ₹1 it owns (high), higher than 69% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
3.48%GIC Housing Finance Limited pays 3.48% of its share price as dividends a year, higher than 91% of dividend-paying Financial Services companies in India.
Revenue growth
+1%Revenue rose 1% in the year to Mar 2026, and shrank 1% a year on average over 3 years.
Profit growth
-3%Net profit fell 3% in the year to Mar 2026, and shrank 10% a year on average over 3 years.
Profit margin
14.7%GIC Housing Finance Limited keeps ₹15 of every ₹100 of revenue as net profit.
Questions
What is GIC Housing Finance Limited's P/E ratio?
Investors pay ₹4.3 for every ₹1 of GIC Housing Finance Limited's yearly profit, lower than 96% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For GIC Housing Finance Limited: ₹682 Cr ÷ ₹2,106 Cr (31 Mar 2026) = 0.3.
What is GIC Housing Finance Limited's return on equity?
GIC Housing Finance Limited earned 7.5% on its shareholders' money over the last year, lower than 67% of Financial Services companies in India.
How much does GIC Housing Finance Limited owe compared with what it owns?
GIC Housing Finance Limited owes ₹0.81 for every ₹1 it owns (high), higher than 69% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does GIC Housing Finance Limited pay a dividend?
Yes. GIC Housing Finance Limited pays 3.48% of its share price as dividends a year, higher than 91% of dividend-paying Financial Services companies in India.
Is GIC Housing Finance Limited's revenue growing?
Revenue rose 1% in the year to Mar 2026, and shrank 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.