GIC Housing Finance Limited (GICHSGFIN) — Cash Flow Quality Index
GIC Housing Finance Limited (GICHSGFIN) has a Cash Flow Quality Index of -1.75x as of September 2025. Operating cash flow of Rs-1.00 Billion is below net income of Rs574.50 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can GIC Housing Finance Limited service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
GIC Housing Finance Limited Cash Flow Quality Index (2006–2026)
Historical Cash Flow Quality Index for GIC Housing Finance Limited across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see GIC Housing Finance Limited (GICHSGFIN) cash flow conversion.
Annual Cash Flow Quality Index for GIC Housing Finance Limited (2006–2026)
Year-by-year earnings quality comparison for GIC Housing Finance Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 2.36x | Rs3.66 Billion | Rs1.55 Billion | ▲ +2260.5% |
| 2025 | -0.11x | Rs-175.30 Million | Rs1.60 Billion | ▼ -103.2% |
| 2024 | 3.45x | Rs5.22 Billion | Rs1.51 Billion | ▼ -4.2% |
| 2023 | 3.60x | Rs10.43 Billion | Rs2.90 Billion | ▼ -35.5% |
| 2022 | 5.58x | Rs12.86 Billion | Rs2.30 Billion | ▲ +37.1% |
| 2021 | 4.07x | Rs5.48 Billion | Rs1.35 Billion | ▲ +2008.7% |
| 2020 | 0.19x | Rs216.80 Million | Rs1.12 Billion | ▲ +102.9% |
| 2019 | -6.66x | Rs-16.45 Billion | Rs2.47 Billion | ▼ -5.2% |
| 2018 | -6.33x | Rs-17.21 Billion | Rs2.72 Billion | ▼ -22.1% |
| 2017 | -5.19x | Rs-11.78 Billion | Rs2.27 Billion | ▲ +15.1% |
| 2016 | -6.11x | Rs-11.67 Billion | Rs1.91 Billion | ▲ +14.9% |
| 2015 | -7.17x | Rs-11.03 Billion | Rs1.54 Billion | ▼ -38.7% |
| 2014 | -5.17x | Rs-6.89 Billion | Rs1.33 Billion | ▼ -41.9% |
| 2013 | -3.64x | Rs-4.12 Billion | Rs1.13 Billion | ▲ +22.8% |
| 2012 | -4.72x | Rs-3.72 Billion | Rs788.60 Million | ▼ -61.2% |
| 2011 | -2.93x | Rs-4.26 Billion | Rs1.46 Billion | ▼ -59.8% |
| 2010 | -1.83x | Rs-1.68 Billion | Rs918.79 Million | ▲ +25.9% |
| 2009 | -2.47x | Rs-1.93 Billion | Rs779.31 Million | ▲ +51.2% |
| 2008 | -5.06x | Rs-3.94 Billion | Rs777.65 Million | ▼ -50.6% |
| 2007 | -3.36x | Rs-2.13 Billion | Rs633.12 Million | ▼ -2.0% |
| 2006 | -3.29x | Rs-1.09 Billion | Rs330.94 Million | — |