GICHSGFIN
Gic Housing Finance Limited
Each stock's 10,000-path forecast, rendered as light.
Gic Housing Finance Limited (GICHSGFIN) Stock Analysis & Case Study
Is GICHSGFIN a good buy? The data-driven verdict.
Gic Housing Finance Limited (GICHSGFIN) trades at ₹153,on the numbers it worth a closer look, a Downstox Snapshot Score of 61/100.
On the numbers, Gic Housing Finance Limited (GICHSGFIN) worth a closer look, a Downstox Snapshot Score of 61/100, weighing inexpensive at 5.3× earnings, ROE of 7.6%, a 54% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
GICHSGFIN fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How GICHSGFIN ranks against the 2,373 companies in our screener
- GICHSGFIN's market cap of 823 Cr ranks in the 35th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- GICHSGFIN's book value of ₹391 ranks in the 86th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- GICHSGFIN's promoter holding of 42.4% ranks in the 19th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- GICHSGFIN's 3-year profit (PAT) growth of -10.0% ranks in the 19th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- GICHSGFIN's 3-year revenue growth of -1.0% ranks in the 22nd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for GICHSGFIN, as of 9 Aug 2026, so it is not ranked here.
Is GICHSGFIN overvalued? GICHSGFIN P/E vs peers
GICHSGFIN trades at 5.3× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
GICHSGFIN share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 9.8y of GICHSGFIN history (-8%/yr drift, 29%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| GICHSGFIN 2027 | ₹109 | ₹158 | ₹227 | +3% |
| GICHSGFIN 2028 | ₹97 | ₹163 | ₹274 | +6% |
| GICHSGFIN 2029 | ₹88 | ₹168 | ₹321 | +10% |
| GICHSGFIN 2030 | ₹82 | ₹173 | ₹366 | +13% |
| GICHSGFIN 2031 | ₹77 | ₹179 | ₹414 | +17% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability GICHSGFIN goes up, or doubles?
The bull case for GICHSGFIN
- GICHSGFIN's P/E of 5.3x is lower than 94% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Low price-to-book of 0.39×, the market is paying little over the company's net assets.
- GICHSGFIN's dividend yield of 2.9% ranks in the 94th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹321.
The bear case & risks
- GICHSGFIN's return on equity of 7.6% ranks in the 38th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹88.
GICHSGFIN volatility & expected range, how bumpy is the ride?
Over the last 9.8 years GICHSGFIN compounded at -8%/year with annualized volatility of 29%. That volatility implies a 1-year 80% range of ₹109-₹227, the honest backbone behind any single price target.
GICHSGFIN price forecast, the full 60-month probability fan
GICHSGFIN price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds GICHSGFIN hits common targets within the simulated horizon?
Full multi-horizon detail on the GICHSGFIN price target & forecast page.
GICHSGFIN Piotroski F-Score: 4/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. GICHSGFIN scores 4/8, mixed financial health.
GICHSGFIN MTF margin & leverage across 9 brokers
Margin Trading Facility lets you buy GICHSGFIN with part of the capital. Lower margin % = higher leverage. Rates compared across 9 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| ZerodhaCHEAPEST | 28.09% | 3.6× |
| Groww | 40.00% | 2.5× |
| Dhan | 50.00% | 2.0× |
| Kotak Neo | 100.00% | 1.0× |
| Pocketful | 28.47% | 3.5× |
| Fyers | 50.00% | 2.0× |
| Anand RathiCHEAPEST | 28.09% | 3.6× |
| Bajaj Broking | 50.00% | 2.0× |
| Share India | 28.14% | 3.6× |
Compare every broker on the GICHSGFIN MTF page.
About Gic Housing Finance Limited: sector, index & market-cap context
Gic Housing Finance Limited (GICHSGFIN) is a small-cap NSE-listed company, with a market capitalisation of ₹823 Cr. See more stocks on our screener.
How the GICHSGFIN Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Gic Housing Finance Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
GICHSGFIN analysis, FAQs
Is Gic Housing Finance Limited (GICHSGFIN) a good buy?
On the numbers, Gic Housing Finance Limited (GICHSGFIN) worth a closer look, a Downstox Snapshot Score of 61/100, weighing inexpensive at 5.3× earnings, ROE of 7.6%, a 54% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is GICHSGFIN overvalued or undervalued?
GICHSGFIN trades at 5.3× earnings, inexpensive versus the ~22× long-run Nifty average.
What is the GICHSGFIN share price target for 2031?
GICHSGFIN's probability-weighted 2031 median target is ₹179, with an 80% range of ₹77-₹414 (10,000-path Monte-Carlo).
What is the probability GICHSGFIN doubles in 5 years?
The modelled probability of GICHSGFIN reaching ₹306 (2×) within 5 years is 21%.
What is the bull case for GICHSGFIN?
GICHSGFIN's P/E of 5.3x is lower than 94% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. Low price-to-book of 0.39×, the market is paying little over the company's net assets. GICHSGFIN's dividend yield of 2.9% ranks in the 94th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in GICHSGFIN?
GICHSGFIN's return on equity of 7.6% ranks in the 38th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.