GIC Housing Finance Limited (GICHSGFIN) — Cash Flow-to-Debt Ratio
GIC Housing Finance Limited (GICHSGFIN) has a Cash Flow-to-Debt Ratio of -0.01x as of September 2025, meaning its operating cash flow of Rs-1.00 Billion could theoretically repay 0% of its total liabilities (Rs90.84 Billion) in one year. See GICHSGFIN financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
GIC Housing Finance Limited Cash Flow-to-Debt Ratio (2006–2026)
Historical debt coverage capacity for GIC Housing Finance Limited across 21 annual periods. For the full cash flow conversion analysis, see GIC Housing Finance Limited cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for GIC Housing Finance Limited (2006–2026)
Year-by-year debt coverage analysis for GIC Housing Finance Limited. Check GICHSGFIN cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.04x | Rs3.66 Billion | Rs91.93 Billion | ▲ +2098.5% |
| 2025 | 0.00x | Rs-175.30 Million | Rs88.11 Billion | ▼ -103.3% |
| 2024 | 0.06x | Rs5.22 Billion | Rs86.42 Billion | ▼ -46.6% |
| 2023 | 0.11x | Rs10.43 Billion | Rs92.21 Billion | ▼ -8.3% |
| 2022 | 0.12x | Rs12.86 Billion | Rs104.18 Billion | ▲ +154.2% |
| 2021 | 0.05x | Rs5.48 Billion | Rs112.83 Billion | ▲ +2550.9% |
| 2020 | 0.00x | Rs216.80 Million | Rs118.36 Billion | ▲ +101.3% |
| 2019 | -0.14x | Rs-16.45 Billion | Rs117.13 Billion | ▲ +15.4% |
| 2018 | -0.17x | Rs-17.21 Billion | Rs103.64 Billion | ▼ -16.7% |
| 2017 | -0.14x | Rs-11.78 Billion | Rs82.79 Billion | ▲ +11.1% |
| 2016 | -0.16x | Rs-11.67 Billion | Rs72.90 Billion | ▲ +12.0% |
| 2015 | -0.18x | Rs-11.03 Billion | Rs60.60 Billion | ▼ -29.6% |
| 2014 | -0.14x | Rs-6.89 Billion | Rs49.08 Billion | ▼ -43.2% |
| 2013 | -0.10x | Rs-4.12 Billion | Rs42.01 Billion | ▲ +0.2% |
| 2012 | -0.10x | Rs-3.72 Billion | Rs37.86 Billion | ▲ +24.9% |
| 2011 | -0.13x | Rs-4.26 Billion | Rs32.61 Billion | ▼ -107.1% |
| 2010 | -0.06x | Rs-1.68 Billion | Rs26.66 Billion | ▲ +15.6% |
| 2009 | -0.07x | Rs-1.93 Billion | Rs25.75 Billion | ▲ +58.4% |
| 2008 | -0.18x | Rs-3.94 Billion | Rs21.92 Billion | ▼ -53.6% |
| 2007 | -0.12x | Rs-2.13 Billion | Rs18.20 Billion | ▼ -74.7% |
| 2006 | -0.07x | Rs-1.09 Billion | Rs16.29 Billion | — |