GIC Housing Fin Peer Comparison

NSE: GICHSGFIN | BSE: 511676

₹140.74

₹-1.01 (-0.71%)

As on 27-Aug-2026 10:49IST

Market cap

₹763 Cr

Revenue (TTM)

₹1,084 Cr

P/E Ratio

4.8

P/B Ratio

0.4

Div. Yield

3.2 %

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	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Market cap (₹ Cr)	763	30,644	28,931	20,611	17,404
Revenue (₹ Cr)	1,084	8,692	28,683	3,817	7,418
Net Profit (₹ Cr)	157.48	2,315.08	5,734.11	1,140.96	-7,235.56
Net Margin (%)	14.51	26.65	19.99	29.77	-96.96
RoE (%)	7.67	12.45	14.36	15.98	-9.77
Price to Earnings	4.85	13.24	5.04	18.06	--
Price-To-Book	0.36	1.55	0.67	2.65	0.90

Income Statement (₹ Cr)

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Operating Income	1,082.23	8,504.52	28,837.11	3,672.58	8,623.33
Other Income	1.35	397.16	12.87	34.29	780.59
Total Income	1,083.58	8,901.68	28,849.98	3,706.87	9,403.92
Interest Expense	687.26	5,011.16	19,770.55	1,364.39	4,791.36
PBT & Exceptional Items	159.21	2,970.61	7,100.15	1,421.83	-2,375.57
Operating Expenses	226.13	853.43	1,857.56	888.63	6,905.11
Exceptional Income/Expenses	-13.06	--	--	-15.92	--
Profit before Tax	159.21	2,970.61	7,103.47	1,405.91	-2,375.57
Taxes	4.39	679.37	1,499.23	310.03	-568.11
Profit after Tax	154.82	2,291.24	5,604.24	1,095.88	-1,807.46
Minority Interest	--	--	4.11	--	--
Share of Associate	--	--	--	--	--
Consolidated Profit	154.82	2,291.24	5,603.66	1,095.88	-1,807.46

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Shareholder's Funds	2,106.40	19,219.13	41,428.93	7,540.89	21,822.45
Minority Interest	--	--	4.11	--	--
Non-Current Liabilities	5,562.05	48,332.51	1,94,140.73	16,030.17	34,007.28
Current Liabilities	3,526.27	26,519.39	88,578.19	3,827.57	13,589.22
Total Liabilities	11,298.98	94,095.02	3,25,212.95	27,398.63	70,181.05

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Non-Current Assets	11,002.24	89,897.19	3,21,669.49	25,871.55	62,235.63
Current Assets	192.48	4,173.84	2,482.47	1,527.08	6,145.83
Total Assets	11,298.98	94,095.02	3,25,212.95	27,398.63	70,181.05
Contingent Liabilities	4.12	236.00	35.15	8.41	619.26

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Cash From Operating Activities	-320.10	-8,983.55	-8,503.83	-2,807.88	8,771.63
Cash Flow from Investing Activities	51.74	684.33	1,752.04	308.62	-5,577.75
Cash from Financing Activities	254.66	8,719.78	6,191.79	2,335.52	-2,373.07
Net Cash Inflow / Outflow	-13.70	420.56	-560.00	-163.74	820.81

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
ROCE (%)	7.75	9.41	8.59	11.31	3.64
ROE (%)	7.61	12.74	14.41	15.83	-8.77
ROA (%)	1.41	2.59	1.76	4.33	-2.54
EBIT Margin (%)	79.23	94.63	93.60	76.74	28.98
Net Margin (%)	14.29	25.74	19.43	29.56	-19.22
Cash Profit Margin (%)	15.32	27.72	19.86	30.71	-20.00

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Revenue Growth (%)	0.31	10.95	2.63	18.18	1.75
EBIT Growth (%)	-8.59	13.46	1.84	18.80	-64.51
Net Profit Growth (%)	-3.49	18.34	2.97	20.18	-248.52
EPS Growth (%)	-3.49	18.06	2.97	18.99	-203.40
Book Value Growth (%)	7.20	14.01	13.97	18.24	9.72

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Price / Earnings	4.58	8.61	4.86	17.88	0.00
Price / Book Value	0.34	1.03	0.66	2.61	0.40
Dividend Yield (%)	3.41	1.06	2.02	0.00	0.00
EV/EBITDA	11.33	10.88	11.25	13.18	18.94
Market Cap (₹ Cr)	709.73	19,716.88	27,239.53	19,597.62	8,725.09

	GIC Housing Fin	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Debt to Equity	4.30	3.71	6.69	2.50	1.98
Short term debt to equity ratio	1.64	1.20	1.99	0.47	0.39
Current Ratio	0.05	0.16	0.03	0.40	0.45
Quick Ratio	0.05	0.16	0.03	0.40	0.45
Interest Coverage	1.23	1.59	1.36	2.03	0.50

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.