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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for GIC Housing Finance's Debt-to-EBITDA or its related term are showing as below:
BOM:511676'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 30.43 Med: 41.14 Max: 98.26
Current: 39.24
During the past 13 years, the highest Debt-to-EBITDA Ratio of GIC Housing Finance was 98.26. The lowest was 30.43. And the median was 41.14.
BOM:511676's Debt-to-EBITDA is ranked worse than 82.86% of 35
companies
in the Banks industry
Industry Median: 10.39
vs BOM:511676: 39.24
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
GIC Housing Finance Debt-to-EBITDA Related Terms
GIC Housing Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for GIC Housing Finance's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:511676 vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, GIC Housing Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
GIC Housing Finance Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where GIC Housing Finance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
GIC Housing Finance (BOM:511676) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on GIC Housing Finance. Over the past decade, GIC Housing Finance's Debt-to-EBITDA has ranged from 30.43 to 98.26. According to the industry distribution chart, GIC Housing Finance ranks #29 out of 35 companies in the Banks industry, placing it in the top 82.9%.
Is GIC Housing Finance's Debt-to-EBITDA too high?
GIC Housing Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 30.43 to a high of 98.26. Based on the distribution chart, GIC Housing Finance ranks #29 out of 35 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, GIC Housing Finance has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #29 out of 35 companies for Debt-to-EBITDA. This places GIC Housing Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 10.39. Historically, GIC Housing Finance's own Debt-to-EBITDA has ranged from 30.43 to 98.26 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 10.39, based on 35 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on GIC Housing Finance. For the Banks industry, the median Debt-to-EBITDA is 10.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹194.18, compared to a current price of ₹141.45 — trading 27.2% below its estimated fair value. The current Debt-to-EBITDA is 0.00. GIC Housing Finance's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For GIC Housing Finance (BOM:511676), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹141.45 is trading 27.2% below its estimated GF Value™ of ₹194.18.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Debt-to-EBITDA: 0.00
GF Value™: ₹194.18 vs. price of ₹141.45 (27.2% below fair value)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
60GF Score
Get the complete analysis for BOM:511676
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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