₹140.29
-1.62% today
· 30d -5.53%
as of 2026-09-04
Price · Daily Candles
“GICHSGFIN: A Mortgage Player's Q4 Profit Surge Contrasts with Modest Annual Growth and FII/DII Exits.”
GICHSGFIN's latest quarter saw net profit jump 52.5% YoY to ₹54 Cr, yet annual net profit dipped 3.49% to ₹155 Cr amidst revenue stagnation (0.31% YoY). FII and DII holdings decreased by 0.27% and 0.46% respectively QoQ, while public ownership rose by 0.72%.
BULL CASE
+Quarterly net profit saw a significant 52.5% YoY increase to ₹54 Cr, despite a marginal 0.38% rise in revenue for the same period.
+The company boasts a high profitability score (100) and a very low valuation score (90), reflected in its TTM PE of 5.22 and a PB ratio of 0.38.
+Despite weak technicals (MACD bearish, RSI neutral), the company is trading 26.94% off its 52-week high, potentially offering valuation upside.
+The company maintains a healthy dividend yield of 2.96%.
BEAR CASE
−Annual net profit declined by 3.49% YoY to ₹155 Cr, while annual revenue growth was a subdued 0.31%.
−FIIs reduced their stake by 0.27% and DIIs by 0.46% in the last quarter (QoQ March 2026), indicating institutional divestment.
−The stock has experienced significant price erosion, down 18.89% over the past year and 12.47% over six months.
−ML predictions for Free Cash Flow (FCF) growth show a weak prognosis (rank 0.273 for recent 2-year and 0.481 for rolling 4-year, 0.499 for stable 7-year).
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹267 Cr
+0.53% YoY
NET PROFIT
₹10 Cr
+35.85% YoY
OPM
72.75%
+14.23pp YoY
EPS
₹1.87
PE 5.22
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-42.6% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
GICHSGFIN's TTM PE of 5.22 positions it favorably against peers like LICHSGFIN (5.5) and PNBHOUSING (12.43), yet its profitability score (100) and low PB of 0.38 are compelling when compared to competitors like AADHARHFC (ROCE 5.28% against GICHSGFIN's implicitly strong profitability).
PEERPEROCE %
GICHSGFIN5.22—
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ML Forward Growth Predictions 🔒
64
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
UNDERPERFORMER
20
Valuation
CHEAP
90
Growth
MUTED
47
Profitability
HIGH
100
Technicals
NEUTRAL
55
Risk
LOW
70
Key Stats
TTM PE
5.22
P/B
0.38
52W HIGH
₹184.0
OFF HIGH
-23.76%
DIV YIELD
2.96%
MKT CAP
₹753 Cr
◉ Active Signals
MACDNeutral0.5499
RSI(14)Neutral43.78
Near 52W LowBearish7.87
⧉ Strategy Fit 🔒