Nifty

:

18638.90

Sensex

:

62920.87

40.25 (0.22%)
74.49 (0.12%)

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Nifty
Sensex

:
:

18638.90
62920.87

40.25 (0.22%)
74.49 (0.12%)

GIC Housing Finance Ltd.

Finance - Housing

Rating :

51/99

BSE: 511676 | NSE: GICHSGFIN

Watchlist

NSE BSE

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

900.39
4.22
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,766.07
2.69%
0.53

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

7.61
0.71
-2.68

EBITDA CAGR (%)

10 Years
5 Years
3 Years

6.74
-1.07
-2.44

PAT CAGR (%)

10 Years
5 Years
3 Years

7.40
-3.33
56.12

P:E (Median)

8 Years
5 Years
3 Years

-
4.18
4.18

P:BV (Average)

8 Years
5 Years
3 Years

0.20
0.55
0.55

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.87
10.92
10.92

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Var% Dec 22 Dec 21 Var% Sep 22 Sep 21 Var% Jun 22 Jun 21 Var%
Net Sales 281.17 288.22 -2.45% 280.81 291.64 -3.71% 278.94 297.91 -6.37% 273.98 272.01 0.72%
Expenses 28.21 47.91 -41.12% 15.82 19.67 -19.57% 30.10 61.27 -50.87% 52.58 87.59 -39.97%
EBITDA 252.96 240.31 5.26% 264.99 271.97 -2.57% 248.84 236.64 5.16% 221.40 184.42 20.05%
EBIDTM 89.97% 83.38% 94.37% 93.26% 89.21% 79.43% 80.81% 67.80%
Other Income 6.22 1.73 259.54% 3.47 1.34 158.96% 1.92 1.88 2.13% 2.37 1.67 41.92%
Interest 178.19 165.61 7.60% 178.25 172.24 3.49% 175.56 178.95 -1.89% 170.49 184.15 -7.42%
Depreciation 3.47 3.06 13.40% 2.00 3.08 -35.06% 2.03 1.39 46.04% 2.38 1.08 120.37%
PBT 77.52 73.37 5.66% 88.21 97.99 -9.98% 73.17 58.18 25.76% 50.90 0.86 5,818.60%
Tax 25.23 24.36 3.57% 22.80 21.46 6.24% 16.85 12.95 30.12% 11.72 -1.94 -
PAT 52.29 49.01 6.69% 65.41 76.53 -14.53% 56.32 45.23 24.52% 39.18 2.80 1,299.29%
PATM 18.60% 17.00% 23.29% 26.24% 20.19% 15.18% 14.30% 1.03%
EPS 9.70 9.09 6.71% 12.14 14.20 -14.51% 10.45 8.39 24.55% 7.27 0.52 1,298.08%

Description Mar 23 Mar 22 Var% Dec 22 Dec 21 Var% Sep 22 Sep 21 Var% Jun 22 Jun 21 Var%
Net Sales 281.17 288.22 -2.45% 280.81 291.64 -3.71% 278.97 297.91 -6.36% 273.98 272.01 0.72%
Expenses 28.18 47.89 -41.16% 15.80 19.70 -19.80% 30.14 61.27 -50.81% 52.59 87.61 -39.97%
EBITDA 252.99 240.33 5.27% 265.01 271.94 -2.55% 248.83 236.64 5.15% 221.39 184.40 20.06%
EBIDTM 89.98% 83.38% 94.37% 93.25% 89.20% 79.43% 80.81% 67.79%
Other Income 6.23 1.73 260.12% 3.48 1.34 159.70% 1.92 1.88 2.13% 2.37 1.67 41.92%
Interest 178.19 165.61 7.60% 178.25 172.24 3.49% 175.56 178.95 -1.89% 170.49 184.15 -7.42%
Depreciation 3.47 3.09 12.30% 2.00 3.08 -35.06% 2.03 1.39 46.04% 2.38 1.08 120.37%
PBT 77.56 73.36 5.73% 88.24 97.96 -9.92% 73.16 58.18 25.75% 50.89 0.84 5,958.33%
Tax 25.23 24.36 3.57% 22.80 21.46 6.24% 16.85 12.95 30.12% 11.72 -1.94 -
PAT 52.33 49.00 6.80% 65.44 76.50 -14.46% 56.31 45.23 24.50% 39.17 2.78 1,308.99%
PATM 18.61% 17.00% 23.30% 26.23% 20.18% 15.18% 14.30% 1.02%
EPS 9.72 9.10 6.81% 12.15 14.21 -14.50% 10.46 8.40 24.52% 7.27 0.52 1,298.08%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Net Sales 1,114.90 1,149.78 1,230.65 1,247.45 1,224.78 1,109.74 1,000.21 874.44 730.91 623.56 552.20 Net Sales Growth -3.03% -6.57% -1.35% 1.85% 10.37% 10.95% 14.38% 19.64% 17.22% 12.92% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,114.90 1,149.78 1,230.65 1,247.45 1,224.78 1,109.74 1,000.21 874.44 730.91 623.56 552.20 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 126.71 215.87 277.27 190.75 114.31 124.17 106.10 83.79 66.60 70.36 65.54 Power & Fuel Cost - 0.63 0.64 0.81 0.79 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0.05% 0.05% 0.06% 0.06% 0% 0% 0% 0% 0% 0% Employee Cost - 48.20 43.46 42.53 32.90 29.41 25.95 22.59 19.56 13.86 12.83 % Of Sales - 4.19% 3.53% 3.41% 2.69% 2.65% 2.59% 2.58% 2.68% 2.22% 2.32% Manufacturing Exp. - 11.59 16.94 10.51 14.18 13.17 11.78 11.10 11.55 9.14 7.46 % Of Sales - 1.01% 1.38% 0.84% 1.16% 1.19% 1.18% 1.27% 1.58% 1.47% 1.35% General & Admin Exp. - 22.57 23.28 32.71 23.51 15.88 30.88 30.70 20.33 18.80 15.37 % Of Sales - 1.96% 1.89% 2.62% 1.92% 1.43% 3.09% 3.51% 2.78% 3.01% 2.78% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 133.51 193.59 105.00 43.72 65.71 37.49 19.40 15.16 28.56 0.00 % Of Sales - 11.61% 15.73% 8.42% 3.57% 5.92% 3.75% 2.22% 2.07% 4.58% 5.41% EBITDA 988.19 933.91 953.38 1,056.70 1,110.47 985.57 894.11 790.65 664.31 553.20 486.66 EBITDA Margin 88.63% 81.23% 77.47% 84.71% 90.67% 88.81% 89.39% 90.42% 90.89% 88.72% 88.13% Other Income 13.98 6.62 8.90 7.46 2.87 2.12 1.53 1.93 1.83 1.36 1.70 Interest 702.49 701.55 823.25 945.76 865.56 712.76 667.84 600.65 508.93 419.25 373.23 Depreciation 9.88 8.58 4.48 6.13 0.72 0.64 0.70 0.82 3.51 2.05 2.09 PBT 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.11 153.70 133.26 113.04 Tax 76.60 56.83 28.98 66.66 75.25 68.65 79.37 66.61 50.74 35.71 28.01 Tax Rate 26.43% 24.67% 21.54% 59.37% 30.46% 25.03% 34.95% 34.85% 33.01% 26.80% 24.78% PAT 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 97.55 85.03 PAT before Minority Interest 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 97.55 85.03 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 19.12% 15.10% 8.58% 3.66% 14.03% 18.53% 14.77% 14.24% 14.09% 15.64% 15.40% PAT Growth 22.83% 64.41% 131.46% -73.45% -16.45% 39.20% 18.66% 20.92% 5.55% 14.72% EPS 39.55 32.20 19.59 8.46 31.88 38.15 27.41 23.10 19.10 18.10 15.78

Description TTM Mar 22
Net Sales 1,114.93 1,149.78 Net Sales Growth -3.03% Cost Of Goods Sold 0.00 0.00 Gross Profit 1,114.93 1,149.78 GP Margin 100.00% 100% Total Expenditure 126.71 215.93 Power & Fuel Cost - 0.63 % Of Sales - 0.05% Employee Cost - 48.20 % Of Sales - 4.19% Manufacturing Exp. - 11.59 % Of Sales - 1.01% General & Admin Exp. - 22.60 % Of Sales - 1.97% Selling & Distn. Exp. - 0.00 % Of Sales - 0% Miscellaneous Exp. - 133.54 % Of Sales - 11.61% EBITDA 988.22 933.85 EBITDA Margin 88.64% 81.22% Other Income 14.00 6.62 Interest 702.49 701.55 Depreciation 9.88 8.58 PBT 289.85 230.34 Tax 76.60 56.83 Tax Rate 26.43% 24.67% PAT 213.25 173.51 PAT before Minority Interest 213.25 173.51 Minority Interest 0.00 0.00 PAT Margin 19.13% 15.09% PAT Growth 22.90% EPS 39.56 32.19

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Shareholder's Funds 1,510.82 1,357.82 1,263.09 1,254.00 1,118.37 838.22 731.80 660.37 610.48 550.73 Share Capital 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 Total Reserves 1,456.94 1,303.94 1,209.21 1,200.12 1,064.49 784.34 677.92 606.49 556.60 496.85 Non-Current Liabilities 8,741.96 9,860.60 10,916.05 10,304.04 9,436.64 6,766.08 5,717.45 4,523.05 3,758.58 3,114.39 Secured Loans 8,806.93 9,915.56 11,003.41 10,417.87 9,091.20 6,481.61 5,510.75 4,359.05 3,630.07 3,002.02 Unsecured Loans 50.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 12.17 15.34 9.78 6.68 462.98 251.57 218.14 201.60 188.91 163.98 Current Liabilities 1,549.18 1,302.12 822.60 1,290.93 931.69 1,800.19 1,560.69 1,499.65 1,088.66 1,034.60 Trade Payables 12.81 9.10 17.15 11.57 6.19 5.77 6.67 4.66 5.15 3.67 Other Current Liabilities 45.82 47.70 55.86 36.57 30.90 887.61 897.30 813.68 577.00 604.39 Short Term Borrowings 1,490.55 1,244.19 747.53 1,240.76 892.86 897.38 618.56 644.75 468.02 394.37 Short Term Provisions 0.00 1.13 2.06 2.03 1.74 9.43 38.16 36.56 38.49 32.17 Total Liabilities 11,801.96 12,520.54 13,001.74 12,848.97 11,486.70 9,404.49 8,009.94 6,683.07 5,457.72 4,699.72 Net Block 20.23 16.38 18.77 2.84 2.07 2.30 2.16 2.62 5.21 6.41 Gross Block 38.65 28.07 26.06 4.17 2.69 16.01 15.92 15.60 14.81 14.61 Accumulated Depreciation 18.42 11.69 7.29 1.33 0.62 13.71 13.76 12.98 9.60 8.20 Non Current Assets 11,282.00 12,404.61 12,881.04 12,792.23 11,423.36 8,934.44 7,600.33 6,328.66 5,098.13 4,354.72 Capital Work in Progress 29.14 28.72 13.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 15.16 14.25 13.58 13.50 13.01 26.47 9.80 9.83 9.93 9.93 Long Term Loans & Adv. 18.41 13.12 11.97 18.49 473.09 20.06 17.44 16.92 14.67 14.10 Other Non Current Assets 0.88 0.93 1.31 2.02 0.00 0.28 0.76 1.75 10.28 0.00 Current Assets 519.96 115.93 120.70 56.74 63.34 470.05 409.61 354.41 359.59 345.00 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.22 0.33 0.00 0.00 0.00 13.27 12.13 9.41 9.67 9.25 Cash & Bank 481.05 90.63 114.51 52.22 57.35 62.11 52.34 41.57 89.90 113.55 Other Current Assets 38.69 24.39 5.55 4.06 5.99 394.67 345.14 303.43 260.02 222.20 Short Term Loans & Adv. 0.47 0.58 0.64 0.46 1.89 393.37 343.94 302.72 257.96 215.44 Net Current Assets -1,029.22 -1,186.19 -701.90 -1,234.19 -868.35 -1,330.14 -1,151.08 -1,145.24 -729.07 -689.60 Total Assets 11,801.96 12,520.54 13,001.74 12,848.97 11,486.70 9,404.49 8,009.94 6,683.07 5,457.72 4,699.72

Description Mar 22
Shareholder's Funds 1,510.76 Share Capital 53.88 Total Reserves 1,456.88 Non-Current Liabilities 8,741.96 Secured Loans 8,806.93 Unsecured Loans 50.00 Long Term Provisions 12.17 Current Liabilities 1,549.18 Trade Payables 12.81 Other Current Liabilities 45.82 Short Term Borrowings 1,490.55 Short Term Provisions 0.00 Total Liabilities 11,801.90 Net Block 20.23 Gross Block 38.65 Accumulated Depreciation 18.42 Non Current Assets 11,281.19 Capital Work in Progress 29.14 Non Current Investment 14.41 Long Term Loans & Adv. 18.41 Other Non Current Assets 0.82 Current Assets 520.71 Current Investments 0.00 Inventories 0.00 Sundry Debtors 0.22 Cash & Bank 481.80 Other Current Assets 38.69 Short Term Loans & Adv. 0.47 Net Current Assets -1,028.47 Total Assets 11,801.90

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Cash From Operating Activity 1,285.97 547.88 21.68 -1,645.32 -1,721.34 -1,177.79 -1,166.80 -1,102.62 -661.69 -261.95 PBT 230.40 134.55 112.27 247.06 274.29 227.10 191.10 153.70 133.26 113.04 Adjustment -313.70 -210.61 -200.78 -324.80 -329.79 31.44 14.65 14.27 25.51 27.35 Changes in Working Capital 1,001.20 276.86 -141.82 -1,832.62 -54.13 -1,364.32 -1,312.14 -1,221.95 -775.65 -364.56 Cash after chg. in Working capital 917.90 200.80 -230.33 -1,910.36 -109.63 -1,105.78 -1,106.39 -1,053.98 -616.88 -224.17 Interest Paid -698.97 -822.87 -945.38 -868.95 -712.77 0.00 0.00 0.00 0.00 0.00 Tax Paid -69.55 -50.45 -35.80 -86.65 -41.80 -72.01 -60.41 -48.64 -44.81 -37.78 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 1,136.59 1,220.40 1,233.19 1,220.64 -857.14 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -3.95 -13.84 -10.63 1.15 1.55 -16.00 1.60 0.70 0.46 0.03 Net Fixed Assets -11.00 -17.29 -35.33 -1.48 13.32 -0.09 -0.32 -0.79 -0.20 -1.90 Net Investments -0.91 -0.67 -0.08 -0.49 13.46 -16.67 0.03 0.10 0.00 0.42 Others 7.96 4.12 24.78 3.12 -25.23 0.76 1.89 1.39 0.66 1.51 Cash from Financing Activity -891.77 -557.91 51.08 1,638.87 1,714.82 1,203.39 1,174.38 1,104.70 647.46 205.32 Net Cash Inflow / Outflow 390.25 -23.87 62.13 -5.30 -4.97 9.60 9.18 2.78 -13.77 -56.60 Opening Cash & Equivalents 86.76 110.63 48.50 53.80 58.77 50.37 41.19 38.41 52.18 108.78 Closing Cash & Equivalent 477.01 86.76 110.63 48.50 53.80 59.97 50.37 41.19 38.41 52.18

Description Mar 22
Cash From Operating Activity 1,285.97 PBT 230.34 Adjustment -313.70 Changes in Working Capital 1,001.26 Cash after chg. in Working capital 917.90 Interest Paid -698.97 Tax Paid -69.55 Other Direct Exp. Paid 0.00 Extra & Other Items 1,136.59 Cash From Investing Activity -3.26 Net Fixed Assets Net Investments Others Cash from Financing Activity -891.77 Net Cash Inflow / Outflow 390.94 Opening Cash & Equivalents 86.82 Closing Cash & Equivalent 477.76

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Book Value (Rs.) 280.56 252.14 234.55 232.86 207.68 155.65 135.89 122.63 113.36 102.27 ROA 1.43% 0.83% 0.35% 1.41% 1.97% 1.70% 1.69% 1.70% 1.92% 1.90% ROE 12.10% 8.06% 3.62% 14.48% 21.02% 18.82% 17.89% 16.20% 16.80% 16.23% ROCE 7.63% 7.49% 8.16% 9.27% 9.78% 10.65% 11.16% 11.31% 11.29% 11.29% Fixed Asset Turnover 34.47 45.47 82.53 357.08 118.69 62.65 55.48 48.07 42.39 43.83 Receivable days 0.09 0.10 0.00 0.00 0.00 4.63 4.50 4.76 5.54 5.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 82.89 63.17 47.93 56.38 57.14 49.35 60.67 40.47 Cash Conversion Cycle 0.09 0.10 -82.89 -63.17 -47.93 -51.74 -52.64 -44.58 -55.14 -35.47 Total Debt/Equity 6.85 8.26 9.30 9.30 8.93 9.83 9.57 8.77 7.62 7.21 Interest Cover 1.33 1.16 1.12 1.29 1.38 1.34 1.32 1.30 1.32 1.30

Description Mar 22
Book Value (Rs.) 280.54 ROA 1.47% ROE 11.49% ROCE 7.86% Fixed Asset Turnover 29.75 Receivable days 0.07 Inventory Days 0.00 Payable days 0.00 Cash Conversion Cycle 0.07 Total Debt/Equity 6.85 Interest Cover 1.33

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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