GIC Housing Finance (BOM:511676) Debt-to-Equity: N/A (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:511676 GIC Housing Finance Ltd BOM:511676
59 GF Score
Price ₹135.00
GF Value ₹194.07
Valuation Possible Value Trap
! 5 Warning Signs
View Full Analysis

What is GIC Housing Finance Debt-to-Equity?

GIC Housing Finance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. GIC Housing Finance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. GIC Housing Finance's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹0 Mil.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for GIC Housing Finance's Debt-to-Equity or its related term are showing as below:

BOM:511676' s Debt-to-Equity Range Over the Past 10 Years
Min: 4.33   Med: 7.94   Max: 10.24
Current: 4.33

During the past 13 years, the highest Debt-to-Equity Ratio of GIC Housing Finance was 10.24. The lowest was 4.33. And the median was 7.94.

BOM:511676's Debt-to-Equity is ranked worse than
96.1% of 1411 companies
in the Banks industry
Industry Median: 0.58 vs BOM:511676: 4.33

GIC Housing Finance  (BOM:511676) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

GIC Housing Finance Debt-to-Equity Related Terms

GIC Housing Finance Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for GIC Housing Finance's Debt-to-Equity 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.

GIC Housing Finance Debt-to-Equity Chart

GIC Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.86 5.40 4.69 4.45 4.33

GIC Housing Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A 4.52 N/A 4.33 N/A

BOM:511676 vs RKT, FNMA, PFSI: Debt-to-Equity Comparison

For the Mortgage Finance subindustry, GIC Housing Finance's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry

For the Banks industry and Financial Services sector, GIC Housing Finance's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where GIC Housing Finance's Debt-to-Equity falls into.


BOM:511676
59GF Score
GIC Housing Finance Ltd BOM:511676
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

GIC Housing Finance Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

GIC Housing Finance's Debt to Equity Ratio for the fiscal year that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(34686.9 + 55875.4) / 21064
=4.30

GIC Housing Finance's Debt to Equity Ratio for the quarter that ended in Jun. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=( + 0) /
=N/A

* 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.

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 ₹135.00 is trading 30.4% below its estimated GF Value™ of ₹194.07. GuruFocus considers GIC Housing Finance to be Possible Value Trap.

Key valuation signals for BOM:511676:

  • Debt-to-Equity: N/A
  • GF Value™: ₹194.07 vs. price of ₹135.00 (30.4% below fair value)
  • GF Score™: 59/100 with 5 warning signs

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 Business Description

Other Exchanges GICHSGFIN:India
Address 14, Jamshedji Tata Road, 6th Floor, National Insurance Building, Churchgate, Mumbai, MH, IND, 400 020
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.
59GF Score

Get the complete analysis for BOM:511676

Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹135.00
Price
₹194.07
GF Value