GIC Housing Finance Intrinsic Value
GIC Housing Finance intrinsic value. GIC Housing Finance (GICHSGFIN) median intrinsic value is ₹312.00 from 10 valuation models (range ₹113–₹397), vs current price ₹132.32 — +135.8% upside (Trading Below Calculated Value), margin of safety 57.6%. Compare with GICHSGFIN fair price to assess whether the stock is under or overvalued.
GICHSGFIN Valuation Methods Summary — DCF, Graham Number & P/E
GIC Housing Finance intrinsic value across 10 models vs current price ₹132.32 — upside/downside and value range per method. For current market price and key ratios, visit GIC Housing Finance stock price NSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹396.96 | ₹317.57 - ₹476.35 | +200.0% | EPS: ₹39.88, Sector P/E: 12x |
| Book Value Method | asset | ₹312.00 | ₹280.80 - ₹343.20 | +135.8% | Book Value/Share: ₹390.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹200.74 | ₹180.67 - ₹220.81 | +51.7% | Revenue/Share: ₹200.74, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹264.64 | ₹238.18 - ₹291.10 | +100.0% | EBITDA: ₹932.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹330.80 | ₹264.64 - ₹396.96 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹255.23 | ₹229.71 - ₹280.75 | +92.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹328.61 | ₹295.75 - ₹361.47 | +148.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹264.64 | ₹238.18 - ₹291.10 | +100.0% | ROE: 10.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹396.96 | ₹357.26 - ₹436.66 | +200.0% | EPS: ₹39.88, BVPS: ₹390.00 |
| Dividend Yield Method | dividend | ₹112.50 | ₹101.25 - ₹123.75 | -15.0% | DPS: ₹4.50, Target Yield: 4.0% |
GICHSGFIN Intrinsic Value vs Market Price — All Valuation Models
GIC Housing Finance fair value range ₹113–₹397 vs current market price ₹132.32 across 10 valuation models. Read GICHSGFIN dividend growth for the complete payout history and dividend yield track record.
GICHSGFIN Intrinsic Value Analysis — Undervalued or Overvalued?
GIC Housing Finance median intrinsic value ₹312.00, current price ₹132.32 — Trading Below Calculated Value by 135.8%, margin of safety 57.6%.
What is the intrinsic value of GICHSGFIN?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of GIC Housing Finance (GICHSGFIN) is ₹312.00 (median value). With the current market price of ₹132.32, this represents a +135.8% variance from our estimated fair value.
The valuation range spans from ₹112.50 to ₹396.96, indicating ₹112.50 - ₹396.96.
Is GICHSGFIN undervalued or overvalued?
Based on our multi-method analysis, GIC Housing Finance (GICHSGFIN) appears to be trading below calculated value by approximately 135.8%.
GICHSGFIN Financial Health — Key Ratios vs Industry Benchmarks
GIC Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.01 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 10.3% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 86.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
GICHSGFIN Cash Flow Quality — Operating & Free Cash Flow
GIC Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-320 Cr | ₹-320 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-18 Cr | ₹-62 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹522 Cr | ₹522 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,043 Cr | ₹937 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹1,286 Cr | ₹1,285 Cr | Positive Free Cash Flow | 8/10 |