GIC Housing Finance Limited (GICHSGFIN) — Financial Flexibility Index
GIC Housing Finance Limited (GICHSGFIN) has a Financial Flexibility Index of -0.01x as of September 2025. Free cash flow of Rs-1.00 Billion (operating CF Rs-1.00 Billion minus capex Rs3.20 Million) represents 0% of total liabilities (Rs90.84 Billion). Check GICHSGFIN capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
GIC Housing Finance Limited Financial Flexibility Index (2006–2026)
Historical Financial Flexibility Index trend for GIC Housing Finance Limited across 21 annual periods. For the full cash flow conversion analysis, see GIC Housing Finance Limited cash flow conversion.
Annual Financial Flexibility Index for GIC Housing Finance Limited (2006–2026)
Year-by-year free cash flow to debt coverage for GIC Housing Finance Limited. Explore how well can GIC Housing Finance Limited service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.04x | Rs3.67 Billion | Rs3.66 Billion | Rs91.93 Billion | ▲ +2270.0% |
| 2025 | 0.00x | Rs-161.90 Million | Rs-175.30 Million | Rs88.11 Billion | ▼ -103.0% |
| 2024 | 0.06x | Rs5.26 Billion | Rs5.22 Billion | Rs86.42 Billion | ▼ -46.5% |
| 2023 | 0.11x | Rs10.49 Billion | Rs10.43 Billion | Rs92.21 Billion | ▼ -8.2% |
| 2022 | 0.12x | Rs12.91 Billion | Rs12.86 Billion | Rs104.18 Billion | ▲ +148.2% |
| 2021 | 0.05x | Rs5.64 Billion | Rs5.48 Billion | Rs112.83 Billion | ▲ +1553.7% |
| 2020 | 0.00x | Rs357.50 Million | Rs216.80 Million | Rs118.36 Billion | ▲ +102.2% |
| 2019 | -0.14x | Rs-16.44 Billion | Rs-16.45 Billion | Rs117.13 Billion | ▲ +15.5% |
| 2018 | -0.17x | Rs-17.21 Billion | Rs-17.21 Billion | Rs103.64 Billion | ▼ -16.8% |
| 2017 | -0.14x | Rs-11.77 Billion | Rs-11.78 Billion | Rs82.79 Billion | ▲ +11.2% |
| 2016 | -0.16x | Rs-11.66 Billion | Rs-11.67 Billion | Rs72.90 Billion | ▲ +12.0% |
| 2015 | -0.18x | Rs-11.02 Billion | Rs-11.03 Billion | Rs60.60 Billion | ▼ -29.6% |
| 2014 | -0.14x | Rs-6.88 Billion | Rs-6.89 Billion | Rs49.08 Billion | ▼ -43.7% |
| 2013 | -0.10x | Rs-4.10 Billion | Rs-4.12 Billion | Rs42.01 Billion | ▲ +0.3% |
| 2012 | -0.10x | Rs-3.70 Billion | Rs-3.72 Billion | Rs37.86 Billion | ▲ +25.1% |
| 2011 | -0.13x | Rs-4.26 Billion | Rs-4.26 Billion | Rs32.61 Billion | ▼ -107.7% |
| 2010 | -0.06x | Rs-1.68 Billion | Rs-1.68 Billion | Rs26.66 Billion | ▲ +15.6% |
| 2009 | -0.07x | Rs-1.92 Billion | Rs-1.93 Billion | Rs25.75 Billion | ▲ +58.5% |
| 2008 | -0.18x | Rs-3.93 Billion | Rs-3.94 Billion | Rs21.92 Billion | ▼ -53.7% |
| 2007 | -0.12x | Rs-2.12 Billion | Rs-2.13 Billion | Rs18.20 Billion | ▼ -74.6% |
| 2006 | -0.07x | Rs-1.09 Billion | Rs-1.09 Billion | Rs16.29 Billion | — |