GIC Housing Finance Intrinsic Value
GICHSGFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹439.26 | ₹351.41 - ₹527.11 | +200.0% | EPS: ₹37.16, Sector P/E: 12x |
| Book Value Method | asset | ₹291.11 | ₹262.00 - ₹320.22 | +98.8% | Book Value/Share: ₹363.89, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹197.78 | ₹178.00 - ₹217.56 | +35.1% | Revenue/Share: ₹197.78, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹292.84 | ₹263.56 - ₹322.12 | +100.0% | EBITDA: ₹924.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹366.05 | ₹292.84 - ₹439.26 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹237.82 | ₹214.04 - ₹261.60 | +62.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹306.20 | ₹275.58 - ₹336.82 | +109.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹292.84 | ₹263.56 - ₹322.12 | +100.0% | ROE: 10.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹439.26 | ₹395.33 - ₹483.19 | +200.0% | EPS: ₹37.16, BVPS: ₹363.89 |
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Valuation Comparison Chart
GICHSGFIN Intrinsic Value Analysis
What is the intrinsic value of GICHSGFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of GIC Housing Finance (GICHSGFIN) is ₹292.84 (median value). With the current market price of ₹146.42, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹197.78 to ₹439.26, indicating ₹197.78 - ₹439.26.
Is GICHSGFIN undervalued or overvalued?
Based on our multi-method analysis, GIC Housing Finance (GICHSGFIN) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 10.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 87.0% | 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 |
Related Pages for GIC Housing Finance
Additional stock information and data for GICHSGFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |