GIC Housing Finance Valuation

Q: What is the Fair Price of GICHSGFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

GICHSGFIN (₹204.21) is trading above our estimate of [[fair value]] (₹189.46)

Is GICHSGFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of GICHSGFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: GICHSGFIN (₹204.21) is trading above our estimate of fair value (₹189.46)

Significantly Below Fair Value: GICHSGFIN is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for GICHSGFIN?

Key metric: As GICHSGFIN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for GICHSGFIN. This is calculated by dividing GICHSGFIN's market cap by their current earnings.
What is GICHSGFIN's PE Ratio?
PE Ratio	6.7x
Earnings	₹1.65b
Market Cap	₹11.00b

GICHSGFIN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does GICHSGFIN's PE Ratio compare to its peers?

The above table shows the PE ratio for GICHSGFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	22.1x
539017 Star Housing Finance	24.8x	n/a	₹2.8b
INDIASHLTR India Shelter Finance	21.7x	20.1%	₹68.2b
511196 Can Fin Homes	13.7x	12.9%	₹112.2b
HOMEFIRST Home First Finance Company India	28.3x	22.3%	₹97.0b
GICHSGFIN GIC Housing Finance	6.7x	n/a	₹11.0b

Price-To-Earnings vs Peers: GICHSGFIN is good value based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (22.1x).

Price to Earnings Ratio vs Industry

How does GICHSGFIN's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

8 Companies	Price / Earnings	Estimated Growth	Market Cap
531310 Available Finance	2.5x	n/a	US$38.91m
538732 Vibrant Global Capital	5x	n/a	US$17.88m
539217 Srestha Finvest	5x	n/a	US$12.24m
531735 Prism Finance	2.8x	n/a	US$2.43m

8 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: GICHSGFIN is good value based on its Price-To-Earnings Ratio (6.7x) compared to the Indian Diversified Financial industry average (24.7x).

Price to Earnings Ratio vs Fair Ratio

What is GICHSGFIN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GICHSGFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	6.7x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate GICHSGFIN's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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