GICHSGFIN (GICHSGFIN) Fair Value & Analysis
Financial Services · Market cap ₹8.2B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +4.4% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹127.77 – ₹194.52 · fair‑value band ₹229.08 – ₹381.79 · the ₹152.72 price screens below the ₹305.44 fair value. As of Jul 3, 2026.
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GICHSGFIN (GICHSGFIN) currently trades at ₹152.72, while our model-based Fair Value estimate is ₹305.44 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 58/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, GICHSGFIN generated revenue of ₹3.1B at a net margin of 49.4%. Revenue grew 4.3% year over year. It earns a return on equity of 7.6%. Net debt stands at ₹90.7B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
GICHSGFIN 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.
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Similar stocks
6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.45 | $30.59 | +86% |
| Rocket Companies, Inc RKT | $14.03 | $17.54 | +25% |
| Federal National Mortgage Association FNMAS | $11.55 | $1.98 | -83% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹82.74 | ₹52.91 | -36% |
| PennyMac Financial Services, Inc PFSI | $84.04 | $125.45 | +49% |
| Aadhar Housing Finance Limited AADHARHFC | ₹518.50 | ₹501.16 | -3% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.