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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
GIC Housing Finance Limited is an India-based company, which is engaged in carrying on the business of housing finance in India. The Company’s main business is to provide loans for the purchase or construction of residential units. It grants housing loans to individuals and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, trading cheap versus its own history — carrying meaningful debt.
GIC Housing Finance is scored on the nbfc / financials framework. It keeps a healthy 14.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at -1%/yr and profit at -10%/yr. Book value has grown 7%/yr. Return on equity is a weak 7.3%. In the latest quarter profit fell 81% versus the prior quarter.
At 4× earnings, the stock sits at the 7th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-13%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 4.32 | 11.08 | better |
| P/B | 0.32 | 0.11 | worse |
| EV/EBITDA | 10.89 | — | — |
| ROE | 7.35 | 9.33 | worse |
| ROCE | 7.53 | 8.78 | worse |
| ROA | 1.39 | — | — |
| Quick Ratio | 0.11 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Negative CAGR — the top line has shrunk over this window.
Revenue is outpacing profit (-1% vs -10%) — costs are rising faster than the top line.
Operating margin has compressed from 26% to 15% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
ROE at 7% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 5pp.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -10% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (2% spread) — a predictable, non-seasonal revenue stream.
Profit fell 81% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly margins are compressing (18% → 4%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 42.4% — dispersed ownership; institutional flows drive the stock.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.