Nifty

:

24834.85

Sensex

:

81332.72

428.75 (1.76%)
1292.92 (1.62%)

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Nifty
Sensex

:
:

24834.85
81332.72

428.75 (1.76%)
1292.92 (1.62%)

GIC Housing Finance Ltd.

Finance - Housing

Rating :

46/99

BSE: 511676 | NSE: GICHSGFIN

Watchlist

NSE BSE

262.87

05-Jul-2024

Open
High
Low
Previous Close

249.80
266.00
249.80
249.76

Volume
Traded Value (lacs)
52 Week High
52 Week Low

2730885
7133.16
292.40
174.45

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,387.47
9.17
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

9,910.11
1.75%
0.76

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

3.76
-3.26
-2.76

EBITDA CAGR (%)

10 Years
5 Years
3 Years

3.28
-2.79
-0.36

PAT CAGR (%)

10 Years
5 Years
3 Years

3.91
27.08
-4.45

P:E (Median)

8 Years
5 Years
3 Years

4.81
5.04
5.04

P:BV (Average)

8 Years
5 Years
3 Years

0.56
0.61
0.61

EV:EBITDA (Average)

8 Years
5 Years
3 Years

9.38
10.32
10.32

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var%
Net Sales 260.03 281.17 -7.52% 261.11 280.81 -7.02% 267.59 278.94 -4.07% 268.43 273.98 -2.03%
Expenses 10.27 28.21 -63.59% 40.97 15.82 158.98% 46.66 30.07 55.17% 42.43 52.55 -19.26%
EBITDA 249.76 252.96 -1.27% 220.14 264.99 -16.93% 220.93 248.87 -11.23% 226.00 221.43 2.06%
EBIDTM 96.05% 89.97% 84.31% 94.37% 82.56% 89.22% 84.19% 80.82%
Other Income 5.50 6.22 -11.58% 1.78 3.47 -48.70% 2.59 1.92 34.90% 2.61 2.37 10.13%
Interest 172.33 178.19 -3.29% 175.72 178.25 -1.42% 179.32 175.56 2.14% 183.01 170.49 7.34%
Depreciation 3.83 3.47 10.37% 3.90 2.00 95.00% 3.62 2.06 75.73% 3.67 2.41 52.28%
PBT 79.10 77.52 2.04% 42.30 88.21 -52.05% 40.58 73.17 -44.54% 41.93 50.90 -17.62%
Tax 25.51 25.23 1.11% 6.70 22.80 -70.61% 10.42 16.85 -38.16% 10.12 11.72 -13.65%
PAT 53.59 52.29 2.49% 35.60 65.41 -45.57% 30.16 56.32 -46.45% 31.81 39.18 -18.81%
PATM 20.61% 18.60% 13.63% 23.29% 11.27% 20.19% 11.85% 14.30%
EPS 9.94 9.70 2.47% 6.60 12.14 -45.63% 5.60 10.45 -46.41% 5.90 7.27 -18.84%

Description Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var%
Net Sales 260.03 281.17 -7.52% 261.11 280.81 -7.02% 267.59 278.97 -4.08% 268.43 273.98 -2.03%
Expenses 10.17 28.18 -63.91% 40.92 15.80 158.99% 46.62 30.11 54.83% 42.41 52.56 -19.31%
EBITDA 249.86 252.99 -1.24% 220.19 265.01 -16.91% 220.97 248.86 -11.21% 226.02 221.42 2.08%
EBIDTM 96.09% 89.98% 84.33% 94.37% 82.58% 89.21% 84.20% 80.82%
Other Income 5.51 6.23 -11.56% 1.79 3.48 -48.56% 2.60 1.92 35.42% 2.62 2.37 10.55%
Interest 172.33 178.19 -3.29% 175.72 178.25 -1.42% 179.32 175.56 2.14% 183.01 170.49 7.34%
Depreciation 3.83 3.47 10.37% 3.90 2.00 95.00% 3.62 2.06 75.73% 3.67 2.41 52.28%
PBT 79.21 77.56 2.13% 42.36 88.24 -51.99% 40.63 73.16 -44.46% 41.96 50.89 -17.55%
Tax 25.54 25.23 1.23% 6.71 22.80 -70.57% 10.44 16.85 -38.04% 10.12 11.72 -13.65%
PAT 53.67 52.33 2.56% 35.65 65.44 -45.52% 30.19 56.31 -46.39% 31.84 39.17 -18.71%
PATM 20.64% 18.61% 13.65% 23.30% 11.28% 20.18% 11.86% 14.30%
EPS 9.97 9.72 2.57% 6.62 12.15 -45.51% 5.61 10.46 -46.37% 5.91 7.27 -18.71%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales - 1,057.16 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 Net Sales Growth - -5.18% -3.03% -6.57% -1.35% 1.85% 10.37% 10.95% 14.38% 19.64% Cost Of Goods Sold - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit - 1,057.16 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 GP Margin - 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure - 140.04 271.07 215.74 277.27 190.75 114.31 124.17 106.10 83.79 66.60 Power & Fuel Cost - 0.81 0.81 0.63 0.64 0.81 0.79 0.00 0.00 0.00 0.00 % Of Sales - 0.08% 0.07% 0.05% 0.05% 0.06% 0.06% 0% 0% 0% 0% Employee Cost - 63.42 59.89 48.20 43.46 42.53 32.90 29.41 25.95 22.59 19.56 % Of Sales - 6.00% 5.37% 4.19% 3.53% 3.41% 2.69% 2.65% 2.59% 2.58% 2.68% Manufacturing Exp. - 15.34 13.84 11.46 16.94 10.51 14.18 13.17 11.78 11.10 11.55 % Of Sales - 1.45% 1.24% 1.00% 1.38% 0.84% 1.16% 1.19% 1.18% 1.27% 1.58% General & Admin Exp. - 36.08 29.28 22.57 23.28 32.71 23.51 15.88 30.88 30.70 20.33 % Of Sales - 3.41% 2.63% 1.96% 1.89% 2.62% 1.92% 1.43% 3.09% 3.51% 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. - 25.20 168.06 133.51 193.59 105.00 43.72 65.71 37.49 19.40 0.00 % Of Sales - 2.38% 15.07% 11.61% 15.73% 8.42% 3.57% 5.92% 3.75% 2.22% 2.07% EBITDA - 917.12 843.83 934.04 953.38 1,056.70 1,110.47 985.57 894.11 790.65 664.31 EBITDA Margin - 86.75% 75.69% 81.24% 77.47% 84.71% 90.67% 88.81% 89.39% 90.42% 90.89% Other Income - 12.50 158.84 6.62 8.90 7.46 2.87 2.12 1.53 1.93 1.83 Interest - 710.69 702.93 701.55 823.25 945.76 865.56 712.76 667.84 600.65 508.93 Depreciation - 15.02 9.94 8.71 4.48 6.13 0.72 0.64 0.70 0.82 3.51 PBT - 203.91 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.11 153.70 Tax - 52.75 76.60 56.83 28.98 66.66 75.25 68.65 79.37 66.61 50.74 Tax Rate - 25.87% 26.43% 24.67% 21.54% 59.37% 30.46% 25.03% 34.95% 34.85% 33.01% PAT - 151.16 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 PAT before Minority Interest - 151.16 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 Minority Interest - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin - 14.30% 19.12% 15.10% 8.58% 3.66% 14.03% 18.53% 14.77% 14.24% 14.09% PAT Growth - -29.10% 22.83% 64.41% 131.46% -73.45% -16.45% 39.20% 18.66% 20.92% EPS - 28.04 39.55 32.20 19.59 8.46 31.88 38.15 27.41 23.10 19.10

Description TTM Mar 24 Mar 23 Mar 22
Net Sales - 1,057.16 1,114.90 1,149.78 Net Sales Growth - -5.18% -3.03% Cost Of Goods Sold - 0.00 0.00 0.00 Gross Profit - 1,057.16 1,114.90 1,149.78 GP Margin - 100% 100% 100% Total Expenditure - 139.84 271.04 215.80 Power & Fuel Cost - 0.81 0.81 0.63 % Of Sales - 0.08% 0.07% 0.05% Employee Cost - 64.00 59.93 48.20 % Of Sales - 6.05% 5.38% 4.19% Manufacturing Exp. - 15.34 13.84 11.46 % Of Sales - 1.45% 1.24% 1.00% General & Admin Exp. - 35.29 29.21 22.60 % Of Sales - 3.34% 2.62% 1.97% Selling & Distn. Exp. - 0.00 0.00 0.00 % Of Sales - 0% 0% 0% Miscellaneous Exp. - 25.21 168.06 133.54 % Of Sales - 2.38% 15.07% 11.61% EBITDA - 917.32 843.86 933.98 EBITDA Margin - 86.77% 75.69% 81.23% Other Income - 12.54 158.86 6.62 Interest - 710.68 702.93 701.55 Depreciation - 15.02 9.94 8.71 PBT - 204.16 289.85 230.34 Tax - 52.81 76.60 56.83 Tax Rate - 25.87% 26.43% 24.67% PAT - 151.35 213.25 173.51 PAT before Minority Interest - 151.35 213.25 173.51 Minority Interest - 0.00 0.00 0.00 PAT Margin - 14.32% 19.13% 15.09% PAT Growth - -29.03% 22.90% EPS - 28.08 39.56 32.19

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,828.65 1,699.31 1,510.82 1,357.82 1,263.09 1,254.00 1,118.37 838.22 731.80 660.37 Share Capital 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 Total Reserves 1,774.77 1,645.43 1,456.94 1,303.94 1,209.21 1,200.12 1,064.49 784.34 677.92 606.49 Non-Current Liabilities 8,113.41 8,725.89 9,689.11 9,860.60 10,916.05 10,304.04 9,436.64 6,766.08 5,717.45 4,523.05 Secured Loans 7,782.84 8,304.59 9,754.08 9,915.56 11,003.41 10,417.87 9,091.20 6,481.61 5,510.75 4,359.05 Unsecured Loans 383.99 490.00 50.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 20.72 16.50 12.17 15.34 9.78 6.68 462.98 251.57 218.14 201.60 Current Liabilities 454.22 409.77 602.03 1,302.12 822.60 1,290.93 931.69 1,800.19 1,560.69 1,499.65 Trade Payables 10.39 7.98 12.81 9.10 17.15 11.57 6.19 5.77 6.67 4.66 Other Current Liabilities 45.70 53.66 45.82 47.70 55.86 36.57 30.90 887.61 897.30 813.68 Short Term Borrowings 396.46 348.13 543.40 1,244.19 747.53 1,240.76 892.86 897.38 618.56 644.75 Short Term Provisions 1.67 0.00 0.00 1.13 2.06 2.03 1.74 9.43 38.16 36.56 Total Liabilities 10,396.28 10,834.97 11,801.96 12,520.54 13,001.74 12,848.97 11,486.70 9,404.49 8,009.94 6,683.07 Net Block 43.63 52.22 20.56 16.38 18.77 2.84 2.07 2.30 2.16 2.62 Gross Block 85.97 79.98 39.87 28.07 26.06 4.17 2.69 16.01 15.92 15.60 Accumulated Depreciation 42.34 27.76 19.31 11.69 7.29 1.33 0.62 13.71 13.76 12.98 Non Current Assets 10,156.28 10,501.69 11,275.21 12,404.61 12,881.04 12,792.23 11,423.36 8,934.44 7,600.33 6,328.66 Capital Work in Progress 10.05 8.82 29.14 28.72 13.44 0.00 0.00 0.00 0.00 0.00 Non Current Investment 85.76 75.05 15.16 14.25 13.58 13.50 13.01 26.47 9.80 9.83 Long Term Loans & Adv. 37.81 43.71 11.29 13.12 11.97 18.49 473.09 20.06 17.44 16.92 Other Non Current Assets 0.72 0.85 0.88 0.93 1.31 2.02 0.00 0.28 0.76 1.75 Current Assets 140.19 256.98 494.09 115.93 120.70 56.74 63.34 470.05 409.61 354.41 Current Investments 83.44 155.02 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 0.38 0.26 0.22 0.33 0.00 0.00 0.00 13.27 12.13 9.41 Cash & Bank 39.84 88.88 481.05 90.63 114.51 52.22 57.35 62.11 52.34 41.57 Other Current Assets 16.53 5.23 5.23 24.39 6.19 4.52 5.99 394.67 345.14 303.43 Short Term Loans & Adv. 11.74 7.59 7.59 0.58 0.64 0.46 1.89 393.37 343.94 302.72 Net Current Assets -314.03 -152.79 -107.94 -1,186.19 -701.90 -1,234.19 -868.35 -1,330.14 -1,151.08 -1,145.24 Total Assets 10,296.47 10,758.67 11,769.30 12,520.54 13,001.74 12,848.97 11,486.70 9,404.49 8,009.94 6,683.07

Description Mar 24 Mar 23 Mar 22
Shareholder's Funds 1,828.83 1,699.30 1,510.76 Share Capital 53.88 53.88 53.88 Total Reserves 1,774.95 1,645.42 1,456.88 Non-Current Liabilities 8,113.41 8,725.89 9,689.11 Secured Loans 7,782.84 8,304.59 9,754.08 Unsecured Loans 383.99 490.00 50.00 Long Term Provisions 20.72 16.50 12.17 Current Liabilities 454.18 409.78 602.03 Trade Payables 10.61 8.02 12.81 Other Current Liabilities 45.44 53.63 45.82 Short Term Borrowings 396.46 348.13 543.40 Short Term Provisions 1.67 0.00 0.00 Total Liabilities 10,396.42 10,834.97 11,801.90 Net Block 43.63 52.22 20.56 Gross Block 85.97 79.98 39.87 Accumulated Depreciation 42.34 27.76 19.31 Non Current Assets 10,155.59 10,500.96 11,274.40 Capital Work in Progress 10.05 8.82 29.14 Non Current Investment 85.01 74.30 14.41 Long Term Loans & Adv. 37.87 43.73 11.29 Other Non Current Assets 0.72 0.85 0.82 Current Assets 141.02 257.71 494.84 Current Investments 83.44 155.02 0.00 Inventories 0.00 0.00 0.00 Sundry Debtors 0.38 0.26 0.22 Cash & Bank 40.65 89.61 481.80 Other Current Assets 16.55 5.23 5.23 Short Term Loans & Adv. 11.76 7.59 7.59 Net Current Assets -313.16 -152.07 -107.19 Total Assets 10,296.61 10,758.67 11,769.24

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 522.00 1,043.84 1,285.97 547.88 21.68 -1,645.32 -1,721.34 -1,177.79 -1,166.80 -1,102.62 PBT 203.91 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.10 153.70 Adjustment -307.62 -382.78 -313.57 -210.61 -200.78 -324.80 -329.79 31.44 14.65 14.27 Changes in Working Capital 343.21 835.02 1,001.07 276.86 -141.82 -1,832.62 -54.13 -1,364.32 -1,312.14 -1,221.95 Cash after chg. in Working capital 239.50 742.04 917.90 200.80 -230.33 -1,910.36 -109.63 -1,105.78 -1,106.39 -1,053.98 Interest Paid -702.42 -700.40 -698.97 -822.87 -945.38 -868.95 -712.77 0.00 0.00 0.00 Tax Paid -39.86 -63.52 -69.55 -50.45 -35.80 -86.65 -41.80 -72.01 -60.41 -48.64 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 1,024.78 1,065.72 1,136.59 1,220.40 1,233.19 1,220.64 -857.14 0.00 0.00 0.00 Cash From Investing Activity 63.50 -212.85 -3.95 -13.84 -10.63 1.15 1.55 -16.00 1.60 0.70 Net Fixed Assets -7.22 -19.79 -12.22 -17.29 -35.33 -1.48 13.32 -0.09 -0.32 -0.79 Net Investments 60.87 -214.91 -0.91 -0.67 -0.08 -0.49 13.46 -16.67 0.03 0.10 Others 9.85 21.85 9.18 4.12 24.78 3.12 -25.23 0.76 1.89 1.39 Cash from Financing Activity -619.39 -1,238.36 -891.77 -557.91 51.08 1,638.87 1,714.82 1,203.39 1,174.38 1,104.70 Net Cash Inflow / Outflow -33.89 -407.37 390.25 -23.87 62.13 -5.30 -4.97 9.60 9.18 2.78 Opening Cash & Equivalents 69.64 477.01 86.76 110.63 48.50 53.80 58.77 50.37 41.19 38.41 Closing Cash & Equivalent 35.75 69.64 477.01 86.76 110.63 48.50 53.80 59.97 50.37 41.19

Description Mar 24 Mar 23 Mar 22
Cash From Operating Activity 522.05 1,043.15 1,285.97 PBT 204.16 289.85 230.34 Adjustment -307.62 -382.78 -313.57 Changes in Working Capital 343.01 834.28 1,001.13 Cash after chg. in Working capital 239.55 741.35 917.90 Interest Paid -702.42 -700.40 -698.97 Tax Paid -39.86 -63.52 -69.55 Other Direct Exp. Paid 0.00 0.00 0.00 Extra & Other Items 1,024.78 1,065.72 1,136.59 Cash From Investing Activity 63.50 -212.85 -3.26 Net Fixed Assets -7.22 -19.79 Net Investments 60.87 -214.91 Others 9.85 21.85 Cash from Financing Activity -619.39 -1,238.36 -891.77 Net Cash Inflow / Outflow -33.84 -408.06 390.94 Opening Cash & Equivalents 69.70 477.76 86.82 Closing Cash & Equivalent 35.86 69.70 477.76

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 339.58 315.56 280.56 252.14 234.55 232.86 207.68 155.65 135.89 122.63 ROA 1.42% 1.88% 1.43% 0.83% 0.35% 1.41% 1.97% 1.70% 1.69% 1.70% ROE 8.57% 13.28% 12.10% 8.06% 3.62% 14.48% 21.02% 18.82% 17.89% 16.20% ROCE 8.61% 8.75% 7.63% 7.49% 8.16% 9.27% 9.78% 10.65% 11.16% 11.31% Fixed Asset Turnover 12.74 18.60 33.85 45.47 82.53 357.08 118.69 62.65 55.48 48.07 Receivable days 0.11 0.08 0.09 0.10 0.00 0.00 0.00 4.63 4.50 4.76 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 0.00 0.00 82.89 63.17 47.93 56.38 57.14 49.35 Cash Conversion Cycle 0.11 0.08 0.09 0.10 -82.89 -63.17 -47.93 -51.74 -52.64 -44.58 Total Debt/Equity 4.68 5.38 6.85 8.26 9.30 9.30 8.93 9.83 9.57 8.77 Interest Cover 1.29 1.41 1.33 1.16 1.12 1.29 1.38 1.34 1.32 1.30

Description Mar 24 Mar 23 Mar 22
Book Value (Rs.) 339.61 315.56 280.54 ROA 1.43% 1.88% 1.47% ROE 8.58% 13.29% 11.49% ROCE 8.62% 8.75% 7.86% Fixed Asset Turnover 12.74 18.60 28.84 Receivable days 0.11 0.08 0.07 Inventory Days 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 Cash Conversion Cycle 0.11 0.08 0.07 Total Debt/Equity 4.68 5.38 6.85 Interest Cover 1.29 1.41 1.33

Top Investors:

life insurance corporation of india

lok prakashan ltd

vaipan ventures private limited

investor education and protection fund (iepf)

Annual Reports:

News Update:

GIC Housing Fin - Quarterly Results
13th May 2024, 17:49 PM

Read More

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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