GIC Housing Finance Limited (GICHSGFIN) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of GIC Housing Finance Limited ₹275, price ₹133, upside +106.7%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹98.99 – ₹263.63 · fair‑value band ₹204.38 – ₹343.29 · the ₹132.88 price screens below the ₹274.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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.
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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 well as balance transfer services; and non-housing loans, such as loan against housing property and commercial loans. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
Stock analysis
GIC Housing Finance Limited (GICHSGFIN) currently trades at ₹132.88, while our model-based Fair Value estimate is ₹274.64, implying the stock looks roughly 51.6% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹373.75 per share, and 6 of the 8 models we run sit above the ₹132.88 price.
Bear case: the Dividend Discount group reads lowest at ₹48.77, and 2 of the 8 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹204.38 (bear) to ₹343.29 (bull), the price of ₹132.88 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
GIC Housing Finance Limited reported revenue of ₹10.8B in FY2026 versus ₹11.4B in FY2022, a compound −1.2%/yr. Reported net income was ₹1.5B in FY2026, compounding −2.8%/yr from FY2022.
Key figures
Market cap ₹8.2B (≈ $85.8M) · P/E ratio 4.6 · P/S ratio 0.66 · EPS (TTM) ₹28.75 · Dividend yield 3.4% · Net margin 14.3% · Return on equity 7.6% · Return on assets (EBIT) 2.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 24% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at 107%, GICHSGFIN screens cheaper than that median.
Fair Value models
Bear ₹204.38Fair Value ₹274.64Bull ₹343.29
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹12.22 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+4.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.4%
Start year 2021 (pandemic). Over 10 years: +2.2% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.1%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.0%
Dividend (yield on the price)3.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.0% vs 2.2%, picking up
Profit margin 2006 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.26% → 18%
Compare GIC Housing Finance Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 90 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score59 · Top 25%
Fair Value upside+106.7% · Top 25%
Profitability
Return on equity (TTM)7.6% · Below median
Return on assets1.4% · Above median
Net margin (TTM)49.4% · Below median
Operating margin (TTM)58.5% · Below median
Growth and dividend
Revenue growth4.3% · Bottom 25%
Dividend yield (TTM)3.4% · Below median
Balance sheet
Debt / equity4.30× · Above median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
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Is GIC Housing Finance Limited (GICHSGFIN) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹274.64 versus a price of ₹132.88, about +107% upside (undervalued).
What is the fair value of GICHSGFIN?
Our model-based fair value for GIC Housing Finance Limited is ₹274.64 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹132.88.
What is the quality score of GICHSGFIN?
GIC Housing Finance Limited has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for GIC Housing Finance Limited (GICHSGFIN)?
Our model-based price target is the fair value of ₹274.64 (as of Sep 27, 2026) from 8 valuation models. Cautious scenario ₹204.38, optimistic scenario ₹343.29. It is a calculation from audited fundamentals, not an analyst target.
What is the GIC Housing Finance Limited stock forecast for 2026?
Our models put fair value at ₹274.64, about +107% upside versus a price of ₹132.88 (undervalued). Cautious scenario ₹204.38, optimistic scenario ₹343.29. The calculation is refreshed regularly with new filings.
Does GIC Housing Finance Limited pay a dividend?
GIC Housing Finance Limited currently shows a dividend yield of about 3.39% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of GIC Housing Finance Limited (GICHSGFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GIC Housing Finance Limited it is ₹274.64 per share (as of Sep 27, 2026), against a price of ₹132.88. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is GIC Housing Finance Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, GICHSGFIN trades below its calculated fair value: price ₹132.88, fair value ₹274.64, a gap of about +107% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GICHSGFIN?
No. The price is what the market pays today (₹132.88); the fair value is what the company's own numbers justify (₹274.64). For GIC Housing Finance Limited the two are ₹141.76 per share apart. That gap is exactly why we show both numbers side by side.
How much is GIC Housing Finance Limited worth?
The market values GIC Housing Finance Limited at about ₹8.2B (market capitalisation, as of Sep 27, 2026). Per share that is ₹132.88; our models calculate a fair value of ₹274.64 per share.
What do the bullish and bearish scenarios say about GICHSGFIN?
Our models span a range for GIC Housing Finance Limited: cautious scenario ₹204.38, base ₹274.64, optimistic ₹343.29 per share (as of Sep 27, 2026, price ₹132.88). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GICHSGFIN?
GIC Housing Finance Limited trades at a price-to-earnings ratio of 4.6 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹274.64 is built from several models across several years. Other multiples: P/B 0.4, P/S 2.6, EV/EBITDA 57.8.
How solid is the balance sheet of GIC Housing Finance Limited (GICHSGFIN)?
Balance-sheet figures for GIC Housing Finance Limited (as of Sep 27, 2026): return on equity 7.6%, debt of 4.30 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is GICHSGFIN from its 52-week high?
GIC Housing Finance Limited trades at ₹132.88, about 24% below its 52-week high of ₹175.07 and 4% above the low of ₹127.77 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹274.64 is for.
Which stocks are comparable to GIC Housing Finance Limited?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is GIC Housing Finance Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹132.88, calculated fair value ₹274.64 (+107%), Quality Score 63/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GICHSGFIN calculated?
We run GIC Housing Finance Limited through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹274.64, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.7 % above its aggregate fair value. GIC Housing Finance Limited currently trades 52 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of GIC Housing Finance Limited (GICHSGFIN)?
The closing price on Oct 1, 2026 was ₹132.88. Our model-based fair value is ₹274.64, about +107% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GIC Housing Finance Limited right now?
The price is below even our cautious bear case (₹204.38). The market is more pessimistic than our downside scenario. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of GIC Housing Finance Limited (GICHSGFIN) come from?
Earnings per share at GIC Housing Finance Limited grew +2.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +2.1 %, EBIT margin −1.5 %, tax rate +2.5 %, residual (interest, one-offs) −0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of GIC Housing Finance Limited
How large is the market capitalisation of GIC Housing Finance Limited (GICHSGFIN)?
The market capitalisation of GIC Housing Finance Limited is ₹8.2B (≈ $85.8M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of GIC Housing Finance Limited (GICHSGFIN)?
The price-to-sales ratio of GIC Housing Finance Limited is 0.66 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of GIC Housing Finance Limited (GICHSGFIN)?
Earnings per share at GIC Housing Finance Limited are ₹28.75 (price ÷ EPS = P/E 4.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of GIC Housing Finance Limited (GICHSGFIN)?
The dividend yield of GIC Housing Finance Limited is 3.4% (payout 15.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of GIC Housing Finance Limited (GICHSGFIN)?
The net margin of GIC Housing Finance Limited is 14.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of GIC Housing Finance Limited (GICHSGFIN)?
The return on equity (ROE) of GIC Housing Finance Limited is 7.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of GIC Housing Finance Limited (GICHSGFIN)?
On an EBIT basis the return on assets of GIC Housing Finance Limited is 2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of GIC Housing Finance Limited (GICHSGFIN)?
The operating margin of GIC Housing Finance Limited is 58.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GIC Housing Finance Limited (GICHSGFIN)?
Revenue at GIC Housing Finance Limited is growing +4.3% versus a year earlier (3y avg −0.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at GIC Housing Finance Limited (GICHSGFIN)?
Earnings per share at GIC Housing Finance Limited are growing +52.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does GIC Housing Finance Limited (GICHSGFIN) generate?
The free cash flow of GIC Housing Finance Limited is ₹3.6B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does GIC Housing Finance Limited (GICHSGFIN) carry?
The net debt of GIC Housing Finance Limited is ₹90.7B (fiscal year 2026, ≈ 24.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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