Nifty

:

20267.90

Sensex

:

67481.19

134.75 (0.67%)
492.75 (0.74%)

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Nifty
Sensex

:
:

20267.90
67481.19

134.75 (0.67%)
492.75 (0.74%)

GIC Housing Finance Ltd.

Finance - Housing

Rating :

47/99

BSE: 511676 | NSE: GICHSGFIN

Watchlist

NSE BSE

200.75

01-Dec-2023

Open
High
Low
Previous Close

203.00
206.95
199.40
201.95

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

848092
1731.42
248.00
144.50

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,081.07
6.01
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,796.52
2.24%
0.62

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

5.98
-1.86
-3.24

EBITDA CAGR (%)

10 Years
5 Years
3 Years

4.31
-5.34
-2.41

PAT CAGR (%)

10 Years
5 Years
3 Years

8.13
4.41
26.40

P:E (Median)

8 Years
5 Years
3 Years

3.72
4.49
4.49

P:BV (Average)

8 Years
5 Years
3 Years

0.34
0.57
0.57

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.42
10.70
10.70

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var% Dec 22 Dec 21 Var%
Net Sales 267.59 278.94 -4.07% 268.43 273.98 -2.03% 281.17 288.22 -2.45% 280.81 291.64 -3.71%
Expenses 46.66 30.07 55.17% 42.43 52.55 -19.26% 28.21 47.91 -41.12% 15.82 19.67 -19.57%
EBITDA 220.93 248.87 -11.23% 226.00 221.43 2.06% 252.96 240.31 5.26% 264.99 271.97 -2.57%
EBIDTM 82.56% 89.22% 84.19% 80.82% 89.97% 83.38% 94.37% 93.26%
Other Income 2.59 1.92 34.90% 2.61 2.37 10.13% 6.22 1.73 259.54% 3.47 1.34 158.96%
Interest 179.32 175.56 2.14% 183.01 170.49 7.34% 178.19 165.61 7.60% 178.25 172.24 3.49%
Depreciation 3.62 2.06 75.73% 3.67 2.41 52.28% 3.47 3.06 13.40% 2.00 3.08 -35.06%
PBT 40.58 73.17 -44.54% 41.93 50.90 -17.62% 77.52 73.37 5.66% 88.21 97.99 -9.98%
Tax 10.42 16.85 -38.16% 10.12 11.72 -13.65% 25.23 24.36 3.57% 22.80 21.46 6.24%
PAT 30.16 56.32 -46.45% 31.81 39.18 -18.81% 52.29 49.01 6.69% 65.41 76.53 -14.53%
PATM 11.27% 20.19% 11.85% 14.30% 18.60% 17.00% 23.29% 26.24%
EPS 5.60 10.45 -46.41% 5.90 7.27 -18.84% 9.70 9.09 6.71% 12.14 14.20 -14.51%

Description Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var% Dec 22 Dec 21 Var%
Net Sales 267.59 278.97 -4.08% 268.43 273.98 -2.03% 281.17 288.22 -2.45% 280.81 291.64 -3.71%
Expenses 46.62 30.11 54.83% 42.41 52.56 -19.31% 28.18 47.89 -41.16% 15.80 19.70 -19.80%
EBITDA 220.97 248.86 -11.21% 226.02 221.42 2.08% 252.99 240.33 5.27% 265.01 271.94 -2.55%
EBIDTM 82.58% 89.21% 84.20% 80.82% 89.98% 83.38% 94.37% 93.25%
Other Income 2.60 1.92 35.42% 2.62 2.37 10.55% 6.23 1.73 260.12% 3.48 1.34 159.70%
Interest 179.32 175.56 2.14% 183.01 170.49 7.34% 178.19 165.61 7.60% 178.25 172.24 3.49%
Depreciation 3.62 2.06 75.73% 3.67 2.41 52.28% 3.47 3.09 12.30% 2.00 3.08 -35.06%
PBT 40.63 73.16 -44.46% 41.96 50.89 -17.55% 77.56 73.36 5.73% 88.24 97.96 -9.92%
Tax 10.44 16.85 -38.04% 10.12 11.72 -13.65% 25.23 24.36 3.57% 22.80 21.46 6.24%
PAT 30.19 56.31 -46.39% 31.84 39.17 -18.71% 52.33 49.00 6.80% 65.44 76.50 -14.46%
PATM 11.28% 20.18% 11.86% 14.30% 18.61% 17.00% 23.30% 26.23%
EPS 5.61 10.46 -46.37% 5.91 7.27 -18.71% 9.72 9.10 6.81% 12.15 14.21 -14.50%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Sales 1,098.00 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 Net Sales Growth -3.07% -3.03% -6.57% -1.35% 1.85% 10.37% 10.95% 14.38% 19.64% 17.22% 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 1,098.00 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 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 133.12 271.07 215.74 277.27 190.75 114.31 124.17 106.10 83.79 66.60 70.36 Power & Fuel Cost - 0.81 0.63 0.64 0.81 0.79 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0.07% 0.05% 0.05% 0.06% 0.06% 0% 0% 0% 0% 0% Employee Cost - 59.89 48.20 43.46 42.53 32.90 29.41 25.95 22.59 19.56 13.86 % Of Sales - 5.37% 4.19% 3.53% 3.41% 2.69% 2.65% 2.59% 2.58% 2.68% 2.22% Manufacturing Exp. - 13.84 11.46 16.94 10.51 14.18 13.17 11.78 11.10 11.55 9.14 % Of Sales - 1.24% 1.00% 1.38% 0.84% 1.16% 1.19% 1.18% 1.27% 1.58% 1.47% General & Admin Exp. - 29.28 22.57 23.28 32.71 23.51 15.88 30.88 30.70 20.33 18.80 % Of Sales - 2.63% 1.96% 1.89% 2.62% 1.92% 1.43% 3.09% 3.51% 2.78% 3.01% 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. - 168.06 133.51 193.59 105.00 43.72 65.71 37.49 19.40 15.16 0.00 % Of Sales - 15.07% 11.61% 15.73% 8.42% 3.57% 5.92% 3.75% 2.22% 2.07% 4.58% EBITDA 964.88 843.83 934.04 953.38 1,056.70 1,110.47 985.57 894.11 790.65 664.31 553.20 EBITDA Margin 87.88% 75.69% 81.24% 77.47% 84.71% 90.67% 88.81% 89.39% 90.42% 90.89% 88.72% Other Income 14.89 158.84 6.62 8.90 7.46 2.87 2.12 1.53 1.93 1.83 1.36 Interest 718.77 702.93 701.55 823.25 945.76 865.56 712.76 667.84 600.65 508.93 419.25 Depreciation 12.76 9.94 8.71 4.48 6.13 0.72 0.64 0.70 0.82 3.51 2.05 PBT 248.24 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.11 153.70 133.26 Tax 68.57 76.60 56.83 28.98 66.66 75.25 68.65 79.37 66.61 50.74 35.71 Tax Rate 27.62% 26.43% 24.67% 21.54% 59.37% 30.46% 25.03% 34.95% 34.85% 33.01% 26.80% PAT 179.67 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 97.55 PAT before Minority Interest 179.67 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 97.55 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 16.36% 19.12% 15.10% 8.58% 3.66% 14.03% 18.53% 14.77% 14.24% 14.09% 15.64% PAT Growth -18.72% 22.83% 64.41% 131.46% -73.45% -16.45% 39.20% 18.66% 20.92% 5.55% EPS 33.33 39.55 32.20 19.59 8.46 31.88 38.15 27.41 23.10 19.10 18.10

Description TTM Mar 23 Mar 22
Net Sales 1,098.00 1,114.90 1,149.78 Net Sales Growth -3.07% -3.03% Cost Of Goods Sold 0.00 0.00 0.00 Gross Profit 1,098.00 1,114.90 1,149.78 GP Margin 100.00% 100% 100% Total Expenditure 133.01 271.04 215.80 Power & Fuel Cost - 0.81 0.63 % Of Sales - 0.07% 0.05% Employee Cost - 59.93 48.20 % Of Sales - 5.38% 4.19% Manufacturing Exp. - 13.84 11.46 % Of Sales - 1.24% 1.00% General & Admin Exp. - 29.21 22.60 % Of Sales - 2.62% 1.97% Selling & Distn. Exp. - 0.00 0.00 % Of Sales - 0% 0% Miscellaneous Exp. - 168.06 133.54 % Of Sales - 15.07% 11.61% EBITDA 964.99 843.86 933.98 EBITDA Margin 87.89% 75.69% 81.23% Other Income 14.93 158.86 6.62 Interest 718.77 702.93 701.55 Depreciation 12.76 9.94 8.71 PBT 248.39 289.85 230.34 Tax 68.59 76.60 56.83 Tax Rate 27.61% 26.43% 24.67% PAT 179.80 213.25 173.51 PAT before Minority Interest 179.80 213.25 173.51 Minority Interest 0.00 0.00 0.00 PAT Margin 16.38% 19.13% 15.09% PAT Growth -18.64% 22.90% EPS 33.36 39.56 32.19

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 1,699.31 1,510.82 1,357.82 1,263.09 1,254.00 1,118.37 838.22 731.80 660.37 610.48 Share Capital 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 Total Reserves 1,645.43 1,456.94 1,303.94 1,209.21 1,200.12 1,064.49 784.34 677.92 606.49 556.60 Non-Current Liabilities 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 3,758.58 Secured Loans 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 3,630.07 Unsecured Loans 490.00 50.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 16.50 12.17 15.34 9.78 6.68 462.98 251.57 218.14 201.60 188.91 Current Liabilities 409.77 602.03 1,302.12 822.60 1,290.93 931.69 1,800.19 1,560.69 1,499.65 1,088.66 Trade Payables 10.17 12.81 9.10 17.15 11.57 6.19 5.77 6.67 4.66 5.15 Other Current Liabilities 51.47 45.82 47.70 55.86 36.57 30.90 887.61 897.30 813.68 577.00 Short Term Borrowings 348.13 543.40 1,244.19 747.53 1,240.76 892.86 897.38 618.56 644.75 468.02 Short Term Provisions 0.00 0.00 1.13 2.06 2.03 1.74 9.43 38.16 36.56 38.49 Total Liabilities 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 5,457.72 Net Block 52.22 20.56 16.38 18.77 2.84 2.07 2.30 2.16 2.62 5.21 Gross Block 79.98 39.87 28.07 26.06 4.17 2.69 16.01 15.92 15.60 14.81 Accumulated Depreciation 27.76 19.31 11.69 7.29 1.33 0.62 13.71 13.76 12.98 9.60 Non Current Assets 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 5,098.13 Capital Work in Progress 8.82 29.14 28.72 13.44 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 75.05 15.16 14.25 13.58 13.50 13.01 26.47 9.80 9.83 9.93 Long Term Loans & Adv. 43.71 11.29 13.12 11.97 18.49 473.09 20.06 17.44 16.92 14.67 Other Non Current Assets 0.85 0.88 0.93 1.31 2.02 0.00 0.28 0.76 1.75 10.28 Current Assets 256.98 494.09 115.93 120.70 56.74 63.34 470.05 409.61 354.41 359.59 Current Investments 155.02 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 0.26 0.22 0.33 0.00 0.00 0.00 13.27 12.13 9.41 9.67 Cash & Bank 88.88 481.05 90.63 114.51 52.22 57.35 62.11 52.34 41.57 89.90 Other Current Assets 12.82 5.23 24.39 5.55 4.52 5.99 394.67 345.14 303.43 260.02 Short Term Loans & Adv. 7.59 7.59 0.58 0.64 0.46 1.89 393.37 343.94 302.72 257.96 Net Current Assets -152.79 -107.94 -1,186.19 -701.90 -1,234.19 -868.35 -1,330.14 -1,151.08 -1,145.24 -729.07 Total Assets 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 5,457.72

Description Mar 23 Mar 22
Shareholder's Funds 1,699.30 1,510.76 Share Capital 53.88 53.88 Total Reserves 1,645.42 1,456.88 Non-Current Liabilities 8,725.89 9,689.11 Secured Loans 8,304.59 9,754.08 Unsecured Loans 490.00 50.00 Long Term Provisions 16.50 12.17 Current Liabilities 409.78 602.03 Trade Payables 10.21 12.81 Other Current Liabilities 51.44 45.82 Short Term Borrowings 348.13 543.40 Short Term Provisions 0.00 0.00 Total Liabilities 10,834.97 11,801.90 Net Block 52.22 20.56 Gross Block 79.98 39.87 Accumulated Depreciation 27.76 19.31 Non Current Assets 10,500.96 11,274.40 Capital Work in Progress 8.82 29.14 Non Current Investment 74.30 14.41 Long Term Loans & Adv. 43.73 11.29 Other Non Current Assets 0.85 0.82 Current Assets 257.71 494.84 Current Investments 155.02 0.00 Inventories 0.00 0.00 Sundry Debtors 0.26 0.22 Cash & Bank 89.61 481.80 Other Current Assets 12.82 5.23 Short Term Loans & Adv. 7.59 7.59 Net Current Assets -152.07 -107.19 Total Assets 10,758.67 11,769.24

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 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 -661.69 PBT 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.10 153.70 133.26 Adjustment -382.78 -313.57 -210.61 -200.78 -324.80 -329.79 31.44 14.65 14.27 25.51 Changes in Working Capital 835.02 1,001.07 276.86 -141.82 -1,832.62 -54.13 -1,364.32 -1,312.14 -1,221.95 -775.65 Cash after chg. in Working capital 742.04 917.90 200.80 -230.33 -1,910.36 -109.63 -1,105.78 -1,106.39 -1,053.98 -616.88 Interest Paid -700.40 -698.97 -822.87 -945.38 -868.95 -712.77 0.00 0.00 0.00 0.00 Tax Paid -63.52 -69.55 -50.45 -35.80 -86.65 -41.80 -72.01 -60.41 -48.64 -44.81 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 1,065.72 1,136.59 1,220.40 1,233.19 1,220.64 -857.14 0.00 0.00 0.00 0.00 Cash From Investing Activity -212.85 -3.95 -13.84 -10.63 1.15 1.55 -16.00 1.60 0.70 0.46 Net Fixed Assets -19.79 -12.22 -17.29 -35.33 -1.48 13.32 -0.09 -0.32 -0.79 -0.20 Net Investments -214.91 -0.91 -0.67 -0.08 -0.49 13.46 -16.67 0.03 0.10 0.00 Others 21.85 9.18 4.12 24.78 3.12 -25.23 0.76 1.89 1.39 0.66 Cash from Financing Activity -1,238.36 -891.77 -557.91 51.08 1,638.87 1,714.82 1,203.39 1,174.38 1,104.70 647.46 Net Cash Inflow / Outflow -407.37 390.25 -23.87 62.13 -5.30 -4.97 9.60 9.18 2.78 -13.77 Opening Cash & Equivalents 477.01 86.76 110.63 48.50 53.80 58.77 50.37 41.19 38.41 52.18 Closing Cash & Equivalent 69.64 477.01 86.76 110.63 48.50 53.80 59.97 50.37 41.19 38.41

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

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value (Rs.) 315.56 280.56 252.14 234.55 232.86 207.68 155.65 135.89 122.63 113.36 ROA 1.88% 1.43% 0.83% 0.35% 1.41% 1.97% 1.70% 1.69% 1.70% 1.92% ROE 13.28% 12.10% 8.06% 3.62% 14.48% 21.02% 18.82% 17.89% 16.20% 16.80% ROCE 8.75% 7.63% 7.49% 8.16% 9.27% 9.78% 10.65% 11.16% 11.31% 11.29% Fixed Asset Turnover 18.60 33.85 45.47 82.53 357.08 118.69 62.65 55.48 48.07 42.39 Receivable days 0.08 0.09 0.10 0.00 0.00 0.00 4.63 4.50 4.76 5.54 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 82.89 63.17 47.93 56.38 57.14 49.35 60.67 Cash Conversion Cycle 0.08 0.09 0.10 -82.89 -63.17 -47.93 -51.74 -52.64 -44.58 -55.14 Total Debt/Equity 5.38 6.85 8.26 9.30 9.30 8.93 9.83 9.57 8.77 7.62 Interest Cover 1.41 1.33 1.16 1.12 1.29 1.38 1.34 1.32 1.30 1.32

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

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Annual Reports:

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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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