Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

GIC Housing Finance Ltd.

Small Cap

Evaluated by 1300 users |

BSE

: 511676 |

NSE

: GICHSGFIN |

Finance - Housing

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Operating Income (Rs. Cr.)3123113364365526247318741,0001,126
Y-o-Y Gr. Rt.--0.5%8.2%29.7%26.6%12.9%17.2%19.6%14.4%12.6%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
10.6112.4621.1310.9615.7918.1219.1223.1227.4334.25
Y-o-Y Gr. Rt.-17.4%69.6%-48.1%44.1%14.8%5.5%20.9%18.6%24.9%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
64.6571.8686.5992.33102.27113.36122.63135.89155.65183.88
Y-o-Y Gr. Rt.-11.2%20.5%6.6%10.8%10.8%8.2%10.8%14.5%18.1%
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)2.142.293.391.491.91.921.71.691.71.78
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income15.3%15.3%15.5%12.6%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
13.9%16.8%21.5%24.9%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
12.3%12.5%14.5%18.1%
Share Price 10.5% 7.3% -5.1% -34.9%
 
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Asset Quality Ratio
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)1.471.470.41000000.290
Capitalization Ratio
Capitalization Ratio: Colour Rating Guide
  • >14% : Very Good
  • 12%-14% : Somewhat Good
  • <12% : Not Good
Capital Adequacy Ratio (%)17.6718.0315.4214.814.0417.2615.3617.416.60
Margins
Net Profit Margin (%) 18.2921.5833.8213.5415.415.6414.0914.2414.7716.37
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 17.218.2526.6612.2616.2316.816.217.8918.8220.17
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
42.41%
14.59%
43.00%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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