GICHSGFIN.NS
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Performance Graph
Financial Ratios
Ratio Value
PE Ratio7.18
Net Profit Margin0.15
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio9.97
Debt to Equity4.69
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Return on Assets: Very high efficiency of the assets which indicates assets are making high contribution to the revenue

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.15
Return on Assets1.32
Return on Equity0.08
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: It would not be able to cover its short-term liabilities because of financial distress

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.25
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio9.97
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio4.69
Interest Coverage Ratio124.73
Performance Graph
Key Ratios

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Dividend Yield: Low yield, focus on growth rather than dividends (Low dividend yield, which means company is focusing on growth

Performance Graph
Market Ratios
Ratio Value
P/E Ratio7.18
Gross Profit Margin0.27
Price to Book Ratio0.59
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of GIC Housing Finance Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 104706000000 109202000000 119290000000
Total Non Current Assets 96902200000 100324000000 108128000000
Other Non Current Assets 6700000 6500000 7300000
Non Current Prepaid Assets 447600000 469200000 146200000
Non Current Deferred Taxes Assets 741400000 852000000 1271400000
Financial Assets - - -
Investment In Financial Assets 865100000 758800000 160400000
Held To Maturity Securities - - -
Available For Sale Securities 865100000 758800000 160400000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 312400000 352200000 322600000
Other Intangible Assets 312400000 352200000 322600000
Goodwill - - -
Net Ppe 224400000 258200000 174400000
Accumulated Depreciation -332300000 -244400000 -176700000
Gross Ppe 556700000 502600000 351100000
Construction In Progress - - -
Other Properties 224400000 258200000 171100000
Machinery Furniture Equipment 70300000 51000000 38200000
Buildings And Improvements 486400000 451600000 312900000
Land And Improvements - - -
Properties - - -
Current Assets 7803500000 8877500000 11162800000
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current 998100000 763000000 326600000
Restricted Cash 9700000 10400000 12200000
Prepaid Assets - - -
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 5549100000 5655100000 6007700000
Taxes Receivable 358100000 - 93900000
Accounts Receivable 3800000 2600000 2200000
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable 3800000 2600000 2200000
Cash Cash Equivalents And Short Term Investments 1242800000 2446400000 4814100000
Other Short Term Investments 884200000 1749400000 36500000
Cash And Cash Equivalents 358600000 697000000 4777600000
Cash Equivalents - 213400000 4375800000
Cash Financial 358600000 483600000 401800000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 85274300000 90730200000 98697200000
Total Debt 85844000000 91679400000 103649000000
Total Liabilities Net Minority Interest 86417300000 92208700000 104183000000
Total Non Current Liabilities Net Minority Interest 55663300000 56729000000 71789900000
Other Non Current Liabilities 76000000 90600000 84100000
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 55573000000 56628800000 71722700000
Long Term Capital Lease Obligation 141500000 177700000 116400000
Long Term Debt 55431500000 56451100000 71606300000
Long Term Provisions 90300000 100200000 67200000
Current Liabilities 30754000000 35479700000 32392900000
Other Current Liabilities 6100000 11600000 5700000
Current Deferred Taxes Liabilities 16700000 - -
Current Debt And Capital Lease Obligation 30271000000 35050600000 31926200000
Current Capital Lease Obligation 69600000 74500000 57700000
Current Debt 30201400000 34976100000 31868500000
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions 116900000 64800000 54500000
Payables 272500000 272800000 327600000
Other Payable 46600000 36300000 16000000
Dividends Payable 9700000 10400000 12200000
Total Tax Payable 16700000 - -
Accounts Payable 216200000 226100000 299400000
Common Stock Equity 18288300000 16993000000 15107600000
Total Capitalization 73719800000 73444100000 86713900000
Total Equity Gross Minority Interest 18288300000 16993000000 15107600000
Minority Interest - - -
Stockholders Equity 18288300000 16993000000 15107600000
Other Equity Interest 17749500000 16454200000 14568800000
Treasury Stock - - -
Retained Earnings 266800000 260600000 243400000
Additional Paid In Capital 1169900000 1169900000 1169900000
Capital Stock 538800000 538800000 538800000
Common Stock 538800000 538800000 538800000

Income statement interpretation for GIC Housing Finance Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 10313500000 10851700000 11375000000
Operating Revenue 10313500000 10851700000 11375000000
Cost Of Revenue 7573800000 7451000000 7343600000
Gross Profit 2739700000 3400700000 4031400000
Ebitda 2208300000 3013200000 2404000000
Ebit 2058100000 2913800000 2316900000
Operating Income 1879600000 2671200000 3333000000
Net Income 1513500000 2132500000 1735100000
Net Income From Continuing Operation Net Minority Interest 1513500000 2132500000 1735100000
Net Income From Continuing And Discontinued Operation 1513500000 2132500000 1735100000
Net Income Common Stockholders 1513500000 2132500000 1735100000
Net Income Including Noncontrolling Interests 1513500000 2132500000 1735100000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 1513500000 2132500000 1735100000
Normalized Income 1514463729 2092991547 2535758935
Normalized Ebitda 2209600000 2959500000 3466900000
Total Unusual Items -1300000 53700000 -1062900000
Total Unusual Items Excluding Goodwill -1300000 53700000 -1062900000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 150200000 99400000 87100000
Reconciled Cost Of Revenue 7573800000 7451000000 7343600000
Total Expenses 8433900000 8180500000 8042000000
Operating Expense 860100000 729500000 698400000
Other Operating Expenses 190100000 167500000 242000000
Depreciation And Amortization In Income Statement 150200000 99400000 87100000
Amortization 57900000 16800000 16400000
Depreciation Income Statement 92300000 82600000 70700000
Selling General And Administration 366200000 308400000 237000000
Selling And Marketing Expense 19200000 12200000 16800000
General And Administrative Expense 347000000 296200000 220200000
Rent And Landing Fees 15400000 7300000 4700000
Tax Provision 528100000 766000000 568300000
Pretax Income 2041600000 2898500000 2303400000
Other Non Operating Income Expenses 34000000 18900000 30800000
Special Income Charges -28400000 -24900000 -1081700000
Other Special Charges -63700000 -42300000 -16600000
Write Off 92100000 67200000 1098300000
Net Non Operating Interest Income Expense 128000000 153400000 1200000
Total Other Finance Cost 3000000 4400000 6000000
Interest Expense Non Operating 16500000 15300000 13500000
Interest Income Non Operating 147500000 173100000 20700000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 28.11 39.60 32.22
Basic Eps 28.11 39.60 32.22
Diluted Ni Avail To Com Stockholders 1513500000 2132500000 1735100000
Net Income From Continuing Operations 2041600000 2898500000 2303400000
Minority Interests - - -

Cash flow analysis for GIC Housing Finance Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 5220500000 10431500000 12859700000
Changes In Cash -338400000 -4080600000 3909400000
Taxes Refund Paid -398600000 -635200000 -695500000
Change In Working Capital 188700000 -198700000 -53800000
Change In Other Current Liabilities 54800000 176700000 9200000
Change In Other Current Assets 108000000 -345200000 -100100000
Change In Payable 25900000 -30200000 37100000
Change In Inventory - - -
Change In Receivables - - 10065100000
Other Non Cash Items -3376300000 -4015600000 -4397800000
Stock Based Compensation - - -
Provision And Write Off Of Assets - - -
Depreciation And Amortization 150200000 99400000 87100000
Amortization Cash Flow 57900000 16800000 16400000
Depreciation 92300000 82600000 70700000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 635000000 -2128500000 -32600000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi 1300000 1300000 1300000
Net Investment Purchase And Sale 673100000 -2069800000 18800000
Sale Of Investment 27732100000 55418600000 192589000000
Purchase Of Investment -27059000000 -57488400000 -192570000000
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -21300000 -13700000 -800000
Sale Of Ppe 600000 300000 1300000
Purchase Of Ppe -21900000 -14000000 -2100000
Net Intangibles Purchase And Sale -18100000 -46300000 -51900000
Purchase Of Intangibles -18100000 -46300000 -51900000
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow -6193900000 -12383600000 -8917700000
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid -242300000 -242300000 -215400000
Common Stock Dividend Paid - -242300000 -215400000
Net Common Stock Issuance - - -
Common Stock Payments - - -
Common Stock Issuance - - -
Repurchase Of Capital Stock - - -
Repayment Of Debt -59807500000 -45854300000 -67131200000
Issuance Of Debt 53950100000 33801200000 58502200000
Issuance Of Capital Stock - - -
Net Issuance Payments Of Debt -5857400000 -12053100000 -8629000000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance -5857400000 -12053100000 -8629000000
Long Term Debt Payments -59807500000 -45854300000 -67131200000
Long Term Debt Issuance 53950100000 33801200000 58502200000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of GICHSGFIN.NS (GIC Housing Finance Limited)

Above is the summary for fundamental analysis of GIC Housing Finance Limited , whose ticker name is GICHSGFIN.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The GIC Housing Finance Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 7.18, GICHSGFIN.NS has a net profit margin of 0.15, the acid test ratio for GICHSGFIN.NS is 0.00, GICHSGFIN.NS has an inventory turnover of 0.00, and GICHSGFIN.NS has debt-to-equity ratio of 4.69.

The GICHSGFIN.NS whose company name is GIC Housing Finance Limited has made profit/loss of 2739700000 with total revenue of 10313500000, GICHSGFIN.NS has assets worth of 104706000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
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