GIC Housing Finance P/B Ratio
GIC Housing Finance (GICHSGFIN) P/B ratio is 0.38 (Low), book value per share ₹390.00 vs Financial Services average P/B of -11.33 — Very Low - Significant discount to book value, potential distress or value opportunity. For live price, earnings yield and the full fundamental profile, see GICHSGFIN stock price BSE.
Current Valuation Metrics
Book Value Breakdown (2026)
Valuation Signal
Sector Context
GICHSGFIN P/B Ratio — Valuation Insights & Book Value Analysis
GIC Housing Finance price-to-book ratio interpretation, valuation status and historical context — current P/B 0.38 (Low). Compare with GICHSGFIN fair value to assess whether the stock is under or overvalued.
- Stock appears undervalued with PB of 0.38, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Current PB is 34.5% below historical average
- Trading at premium to sector average PB of -11.33
GIC Housing Finance P/B Ratio Historical Trend
GICHSGFIN annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. View GICHSGFIN yearly price range for the annual high/low range and current price position.
GICHSGFIN Historical P/B Ratio — Book Value Per Share & Year-End Price
GIC Housing Finance annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2026 | 0.38 | ₹390.0 | ₹149.14 | ₹2,106 | Low |
| 2025 | 0.48 | ₹363.89 | ₹173.07 | ₹1,965 | Low |
| 2024 | 0.6 | ₹338.7 | ₹204.33 | ₹1,829 | Low |
| 2023 | 0.68 | ₹314.63 | ₹214.55 | ₹1,699 | Low |
| 2022 | 0.76 | ₹279.81 | ₹212.55 | ₹1,511 | Low |
GICHSGFIN vs Financial Services Peers — P/B Ratio Comparison
GIC Housing Finance P/B 0.38 vs Financial Services average -11.33, median -0.04 — range -372.31–0.11.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| BEML Land Assets | BLAL | -372.31 | ₹794 | Low |
| Mena Mani Industries | MENAMANI | -91.12 | ₹72 | Low |
| Manraj Housing Finance | MANRAJH | -29.76 | ₹21 | Low |
| Blue Chip | BLUECHIP | -28.88 | ₹18 | Low |
| Trustwave Securities | TRUSTWAVE | -13.82 | ₹15 | Low |
| CMX Holdings | CMXLTD | -4.83 | ₹30 | Low |
| Gujarat Lease Financing | GLFL | -4.65 | ₹19 | Low |
| Roselabs Finance | ROSELABS | -4.51 | ₹23 | Low |
| Classic Leasing & Finance | CLFL | -4.49 | ₹16 | Low |
| Manipal Finance | MNPLFIN | -2.53 | ₹20 | Low |