GIC Housing Finance Limited (GICHSGFIN) - Net Assets

Latest as of September 2025: Rs19.98 Billion INR ≈ $216.09 Million USD

Based on the latest financial reports, GIC Housing Finance Limited (GICHSGFIN) has net assets worth Rs19.98 Billion INR (≈ $216.09 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs110.82 Billion ≈ $1.20 Billion USD) and total liabilities (Rs90.84 Billion ≈ $982.37 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are GIC Housing Finance Limited's assets to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets Rs19.98 Billion
% of Total Assets 18.03%
Annual Growth Rate 14.61%
5-Year Change 44.71%
10-Year Change 168.49%
Growth Volatility 19.52

GIC Housing Finance Limited - Net Assets Trend (2006–2025)

This chart illustrates how GIC Housing Finance Limited's net assets have evolved over time, based on quarterly financial data. Also explore how large is GIC Housing Finance Limited's balance sheet for the complete picture of this company's asset base.

Annual Net Assets for GIC Housing Finance Limited (2006–2025)

The table below shows the annual net assets of GIC Housing Finance Limited from 2006 to 2025. For live valuation and market cap data, see GICHSGFIN stock market capitalisation.

Year Net Assets Change
2025-03-31 Rs19.65 Billion
≈ $212.49 Million		 +7.44%
2024-03-31 Rs18.29 Billion
≈ $197.78 Million		 +7.62%
2023-03-31 Rs16.99 Billion
≈ $183.77 Million		 +12.48%
2022-03-31 Rs15.11 Billion
≈ $163.38 Million		 +11.26%
2021-03-31 Rs13.58 Billion
≈ $146.84 Million		 +7.50%
2020-03-31 Rs12.63 Billion
≈ $136.60 Million		 +0.72%
2019-03-31 Rs12.54 Billion
≈ $135.62 Million		 +26.64%
2018-03-31 Rs9.90 Billion
≈ $107.09 Million		 +4.83%
2017-03-31 Rs9.45 Billion
≈ $102.15 Million		 +29.08%
2016-03-31 Rs7.32 Billion
≈ $79.14 Million		 +10.82%
2015-03-31 Rs6.60 Billion
≈ $71.42 Million		 +8.17%
2014-03-31 Rs6.10 Billion
≈ $66.02 Million		 +10.85%
2013-03-31 Rs5.51 Billion
≈ $59.56 Million		 +10.77%
2012-03-31 Rs4.97 Billion
≈ $53.77 Million		 +6.62%
2011-03-31 Rs4.66 Billion
≈ $50.43 Million		 +20.50%
2010-03-31 Rs3.87 Billion
≈ $41.85 Million		 +11.16%
2009-03-31 Rs3.48 Billion
≈ $37.65 Million		 +10.06%
2008-03-31 Rs3.16 Billion
≈ $34.21 Million		 +10.94%
2007-03-31 Rs2.85 Billion
≈ $30.84 Million		 +93.52%
2006-03-31 Rs1.47 Billion
≈ $15.93 Million		 --

Equity Component Analysis

This analysis shows how different components contribute to GIC Housing Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 27880000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (March 2025)

Component Amount Percentage
Retained Earnings Rs278.80 Million 1.42%
Common Stock Rs538.50 Million 2.74%
Other Comprehensive Income Rs17.66 Billion 89.89%
Other Components Rs1.17 Billion 5.96%
Total Equity Rs19.65 Billion 100.00%

GIC Housing Finance Limited Competitors by Market Cap

The table below lists competitors of GIC Housing Finance Limited ranked by their market capitalization.

Company Market Cap
CSP Inc
NASDAQ:CSPI
 $88.33 Million
Taiwan Chelic Corp Ltd
TW:4555
 $88.34 Million
Somnomed Ltd
AU:SOM
 $88.36 Million
Brand X Co. Ltd.
KQ:337930
 $88.39 Million
Tambun Indah Land Bhd
KLSE:5191
 $88.24 Million
Max India Limited
NSE:MAXIND
 $88.24 Million
ULMA Construccion Polska SA
WAR:ULM
 $88.23 Million
Imaflex Inc
V:IFX
 $88.17 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in GIC Housing Finance Limited's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 18,288,300,000 to 19,648,400,000, a change of 1,360,100,000 (7.4%).
  • Net income of 1,604,200,000 contributed positively to equity growth.
  • Dividend payments of 242,300,000 reduced retained earnings.
  • Other comprehensive income increased equity by 1,348,200,000.
  • Other factors decreased equity by 1,350,000,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income Rs1.60 Billion +8.16%
Dividends Paid Rs242.30 Million -1.23%
Other Comprehensive Income Rs1.35 Billion +6.86%
Other Changes Rs-1.35 Billion -6.87%
Total Change Rs- 7.44%

Book Value vs Market Value Analysis

This analysis compares GIC Housing Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 0.42x
  • The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
  • The price-to-book ratio has decreased from 5.18x to 0.42x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2006-03-31 Rs29.27 Rs151.52 x
2007-03-31 Rs56.64 Rs151.52 x
2008-03-31 Rs58.74 Rs151.52 x
2009-03-31 Rs64.65 Rs151.52 x
2010-03-31 Rs71.86 Rs151.52 x
2011-03-31 Rs86.52 Rs151.52 x
2012-03-31 Rs92.24 Rs151.52 x
2013-03-31 Rs102.18 Rs151.52 x
2014-03-31 Rs113.36 Rs151.52 x
2015-03-31 Rs122.63 Rs151.52 x
2016-03-31 Rs135.89 Rs151.52 x
2017-03-31 Rs175.41 Rs151.52 x
2018-03-31 Rs183.88 Rs151.52 x
2019-03-31 Rs232.86 Rs151.52 x
2020-03-31 Rs234.55 Rs151.52 x
2021-03-31 Rs252.14 Rs151.52 x
2022-03-31 Rs280.54 Rs151.52 x
2023-03-31 Rs315.56 Rs151.52 x
2024-03-31 Rs339.61 Rs151.52 x
2025-03-31 Rs364.87 Rs151.52 x

Capital Efficiency Dashboard

This dashboard shows how efficiently GIC Housing Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 8.16%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 15.47%
  • • Asset Turnover: 0.10x
  • • Equity Multiplier: 5.48x
  • Recent ROE (8.16%) is below the historical average (14.69%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2006 22.46% 21.10% 0.09x 12.06x Rs183.61 Million
2007 17.56% 66.30% 0.04x 7.38x Rs215.60 Million
2008 17.83% 60.64% 0.04x 7.93x Rs247.64 Million
2009 16.41% 59.87% 0.03x 8.40x Rs223.27 Million
2010 17.34% 59.85% 0.04x 7.89x Rs283.95 Million
2011 24.40% 65.08% 0.05x 7.99x Rs671.28 Million
2012 11.87% 13.54% 0.10x 8.61x Rs93.20 Million
2013 15.44% 16.03% 0.11x 8.63x Rs299.57 Million
2014 15.98% 15.64% 0.11x 9.04x Rs365.02 Million
2015 15.59% 14.09% 0.11x 10.18x Rs369.23 Million
2016 17.01% 14.24% 0.11x 10.96x Rs513.20 Million
2017 15.64% 14.77% 0.11x 9.76x Rs532.72 Million
2018 20.77% 18.56% 0.10x 11.47x Rs1.07 Billion
2019 13.70% 14.03% 0.09x 10.34x Rs464.10 Million
2020 3.61% 3.66% 0.10x 10.37x Rs-806.99 Million
2021 7.77% 8.66% 0.10x 9.31x Rs-302.12 Million
2022 11.48% 15.25% 0.10x 7.90x Rs224.34 Million
2023 12.55% 19.65% 0.10x 6.43x Rs433.20 Million
2024 8.28% 14.67% 0.10x 5.73x Rs-315.33 Million
2025 8.16% 15.47% 0.10x 5.48x Rs-360.64 Million

Industry Comparison

This section compares GIC Housing Finance Limited's net assets metrics with peer companies in the Mortgage Finance industry.

Industry Context

  • Industry: Mortgage Finance
  • Average net assets among peers: $18,756,884,329
  • Average return on equity (ROE) among peers: 10.38%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
GIC Housing Finance Limited (GICHSGFIN) Rs19.98 Billion 22.46% 4.55x $88.24 Million
Aadhar Housing Finance Ltd (AADHARHFC) $26.93 Billion 0.00% 4.06x $2.29 Billion
Aavas Financiers Limited (AAVAS) $43.61 Billion 13.17% 3.27x $1.18 Billion
Aptus Value Housing Finance India Limited (APTUS) $19.79 Billion 13.49% 1.28x $1.41 Billion
Bajaj Housing Finance (BAJAJHFL) $36.58 Billion 2.85% 4.26x $7.85 Billion
Home First Finance Company India Limited (HOMEFIRST) $18.17 Billion 12.56% 2.71x $1.31 Billion
INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) $8.00 Billion 3.80% 0.67x $951.30 Million
PNB Housing Finance Limited (PNBHOUSING) $4.00 Billion 19.37% 10.09x $2.95 Billion
Repco Home Finance Limited (REPCOHOME) $1.35 Billion 11.53% 4.46x $275.64 Million
Reliance Home Finance Limited (RHFL) $10.38 Billion 16.63% 9.74x $10.54 Million

About GIC Housing Finance Limited

NSE:GICHSGFIN India Mortgage Finance
Market Cap
$88.24 Million
Rs8.16 Billion INR
Market Cap Rank
#19656 Global
#1064 in India
Share Price
Rs151.52
Change (1 day)
-1.10%
52-Week Range
Rs131.31 - Rs204.41
All Time High
Rs571.02
Categories
Companies in India Mortgage Finance
About

GIC Housing Finance Limited provides housing finance services in India. The company grants housing loans to individuals, cooperative societies, association of persons, companies, and corporations for purchase of plots, houses, flats, apartments and construction, repair, renovation, upgradation of houses, and flats or apartments for residential purpose. It also provides home loans comprising indiv… Read more