GIC Housing Finance Limited
GIC Housing Finance Limited Fundamental Analysis
GIC Housing Finance Limited (GICHSGFIN.BO) shows moderate financial fundamentals with a PE ratio of 6.15, profit margin of 12.93%, and ROE of 6.98%. The company generates $10.5B in annual revenue with weak year-over-year growth of 0.57%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 27.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze GICHSGFIN.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakGICHSGFIN.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentGICHSGFIN.BO trades at attractive valuation levels.
Growth Score
WeakGICHSGFIN.BO faces weak or negative growth trends.
Financial Health Score
ModerateGICHSGFIN.BO shows balanced financial health with some risks.
Profitability Score
WeakGICHSGFIN.BO struggles to sustain strong margins.
Key Financial Metrics
Is GICHSGFIN.BO Expensive or Cheap?
P/E Ratio
GICHSGFIN.BO trades at 6.15 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, GICHSGFIN.BO's PEG of -1.45 indicates potential undervaluation.
Price to Book
The market values GIC Housing Finance Limited at 0.42 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -36.33 times EBITDA. This is generally considered low.
How Well Does GICHSGFIN.BO Make Money?
Net Profit Margin
For every $100 in sales, GIC Housing Finance Limited keeps $12.93 as profit after all expenses.
Operating Margin
Core operations generate 18.02 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.98 in profit for every $100 of shareholder equity.
ROA
GIC Housing Finance Limited generates $1.23 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
GIC Housing Finance Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
GIC Housing Finance Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
GICHSGFIN.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.15
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.45
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.42
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.79
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
4.52
vs 25 benchmark
Current Ratio
Current assets to current liabilities
831.36
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How GICHSGFIN.BO Stacks Against Its Sector Peers
| Metric | GICHSGFIN.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.15 | 19.09 | Better (Cheaper) |
| ROE | 6.98% | 843.00% | Weak |
| Net Margin | 12.93% | 3730.00% | Weak |
| Debt/Equity | 4.52 | 0.90 | Weak (High Leverage) |
| Current Ratio | 831.36 | 661.68 | Strong Liquidity |
| ROA | 1.23% | -21651.00% (disorted) | Weak |
GICHSGFIN.BO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews GIC Housing Finance Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-16.80%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
251.73%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-180.86%
Industry Style: Value, Dividend, Cyclical
Declining