Nifty

:

23518.50

Sensex

:

77578.38

64.70 (0.28%)
239.37 (0.31%)

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Nifty
Sensex

:
:

23518.50
77578.38

64.70 (0.28%)
239.37 (0.31%)

GIC Housing Finance Ltd.

Finance - Housing

Rating :

N/A

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
185.20

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,123.60
6.81
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,741.36
2.16%
0.60

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

5.48
5.48
5.48

P:BV (Average)

8 Years
5 Years
3 Years

0.62
0.62
0.62

EV:EBITDA (Average)

8 Years
5 Years
3 Years

10.34
10.34
10.34

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 264.04 267.59 -1.33% 273.94 268.43 2.05% 260.03 281.17 -7.52% 261.11 280.81 -7.02%
Expenses 37.42 46.66 -19.80% 52.68 42.43 24.16% 10.27 28.21 -63.59% 40.97 15.82 158.98%
EBITDA 226.62 220.93 2.58% 221.26 226.00 -2.10% 249.76 252.96 -1.27% 220.14 264.99 -16.93%
EBIDTM 85.83% 82.56% 80.77% 84.19% 96.05% 89.97% 84.31% 94.37%
Other Income 1.64 2.59 -36.68% 3.24 2.61 24.14% 5.50 6.22 -11.58% 1.78 3.47 -48.70%
Interest 176.87 179.32 -1.37% 173.98 183.01 -4.93% 172.33 178.19 -3.29% 175.72 178.25 -1.42%
Depreciation 3.74 3.62 3.31% 3.65 3.67 -0.54% 3.83 3.47 10.37% 3.90 2.00 95.00%
PBT 47.65 40.58 17.42% 46.87 41.93 11.78% 79.10 77.52 2.04% 42.30 88.21 -52.05%
Tax 11.17 10.42 7.20% 7.91 10.12 -21.84% 25.51 25.23 1.11% 6.70 22.80 -70.61%
PAT 36.48 30.16 20.95% 38.96 31.81 22.48% 53.59 52.29 2.49% 35.60 65.41 -45.57%
PATM 13.82% 11.27% 14.22% 11.85% 20.61% 18.60% 13.63% 23.29%
EPS 6.77 5.60 20.89% 7.23 5.90 22.54% 9.94 9.70 2.47% 6.60 12.14 -45.63%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 264.04 267.59 -1.33% 273.94 268.43 2.05% 260.03 281.17 -7.52% 261.11 280.81 -7.02%
Expenses 37.39 46.62 -19.80% 52.65 42.41 24.15% 10.17 28.18 -63.91% 40.92 15.80 158.99%
EBITDA 226.65 220.97 2.57% 221.29 226.02 -2.09% 249.86 252.99 -1.24% 220.19 265.01 -16.91%
EBIDTM 85.84% 82.58% 80.78% 84.20% 96.09% 89.98% 84.33% 94.37%
Other Income 1.66 2.60 -36.15% 3.25 2.62 24.05% 5.51 6.23 -11.56% 1.79 3.48 -48.56%
Interest 176.87 179.32 -1.37% 173.98 183.01 -4.93% 172.33 178.19 -3.29% 175.72 178.25 -1.42%
Depreciation 3.74 3.62 3.31% 3.65 3.67 -0.54% 3.83 3.47 10.37% 3.90 2.00 95.00%
PBT 47.70 40.63 17.40% 46.91 41.96 11.80% 79.21 77.56 2.13% 42.36 88.24 -51.99%
Tax 11.18 10.44 7.09% 7.92 10.12 -21.74% 25.54 25.23 1.23% 6.71 22.80 -70.57%
PAT 36.52 30.19 20.97% 38.99 31.84 22.46% 53.67 52.33 2.56% 35.65 65.44 -45.52%
PATM 13.83% 11.28% 14.23% 11.86% 20.64% 18.61% 13.65% 23.30%
EPS 6.78 5.61 20.86% 7.24 5.91 22.50% 9.97 9.72 2.57% 6.62 12.15 -45.51%

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 1,059.12 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 -3.54% -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 0.00 Gross Profit 1,059.12 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 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 141.34 140.04 271.07 215.74 277.27 190.75 114.31 124.17 106.10 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 917.78 917.12 843.83 934.04 953.38 1,056.70 1,110.47 985.57 894.11 790.65 664.31 EBITDA Margin 86.65% 86.75% 75.69% 81.24% 77.47% 84.71% 90.67% 88.81% 89.39% 90.42% 90.89% Other Income 12.16 12.50 158.84 6.62 8.90 7.46 2.87 2.12 1.53 1.93 1.83 Interest 698.90 710.69 702.93 701.55 823.25 945.76 865.56 712.76 667.84 600.65 508.93 Depreciation 15.12 15.02 9.94 8.71 4.48 6.13 0.72 0.64 0.70 0.82 3.51 PBT 215.92 203.91 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.11 153.70 Tax 51.29 52.75 76.60 56.83 28.98 66.66 75.25 68.65 79.37 66.61 50.74 Tax Rate 23.75% 25.87% 26.43% 24.67% 21.54% 59.37% 30.46% 25.03% 34.95% 34.85% 33.01% PAT 164.63 151.16 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 PAT before Minority Interest 164.63 151.16 213.20 173.57 105.57 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 0.00 PAT Margin 15.54% 14.30% 19.12% 15.10% 8.58% 3.66% 14.03% 18.53% 14.77% 14.24% 14.09% PAT Growth -8.37% -29.10% 22.83% 64.41% 131.46% -73.45% -16.45% 39.20% 18.66% 20.92% EPS 30.54 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 1,059.12 1,057.16 1,114.90 1,149.78 Net Sales Growth -3.54% -5.18% -3.03% Cost Of Goods Sold 0.00 0.00 0.00 0.00 Gross Profit 1,059.12 1,057.16 1,114.90 1,149.78 GP Margin 100.00% 100% 100% 100% Total Expenditure 141.13 139.84 271.04 215.80 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 917.99 917.32 843.86 933.98 EBITDA Margin 86.67% 86.77% 75.69% 81.23% Other Income 12.21 12.54 158.86 6.62 Interest 698.90 710.68 702.93 701.55 Depreciation 15.12 15.02 9.94 8.71 PBT 216.18 204.16 289.85 230.34 Tax 51.35 52.81 76.60 56.83 Tax Rate 23.75% 25.87% 26.43% 24.67% PAT 164.83 151.35 213.25 173.51 PAT before Minority Interest 164.83 151.35 213.25 173.51 Minority Interest 0.00 0.00 0.00 0.00 PAT Margin 15.56% 14.32% 19.13% 15.09% PAT Growth -8.33% -29.03% 22.90% EPS 30.58 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

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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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