GIC Housing Finance (BOM:511676) EBIT: ₹2,278 Mil (TTM As of Mar. 2026)


BOM:511676 GIC Housing Finance Ltd BOM:511676
57 GF Score
Price ₹159.75
GF Value ₹192.59
Valuation Modestly Undervalued
! 7 Warning Signs
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What is GIC Housing Finance EBIT?

GIC Housing Finance BOM:511676 -4.14% 57 EBIT is ₹2,278 Mil as of Mar. 2026. GuruFocus rates BOM:511676 with a GF Score™ of 57/100 and a GF Value™ of ₹192.59 (Modestly Undervalued). The stock has 7 warning signs investors should review.

GIC Housing Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹583 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹2,278 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. GIC Housing Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 1.76%. GIC Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 342.32%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. GIC Housing Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 2.29%.


GIC Housing Finance  (BOM:511676) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

GIC Housing Finance's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=2331.2 * ( 1 - 15.33% )/( (0 + 112367.8)/ 1 )
=1973.82704/112367.8
=1.76 %

where

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

GIC Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=2331.2/( ( (0 + max(0, 0)) + (681 + max(-138.39999999999, 0)) )/ 1 )
=2331.2/( ( 0 + 681 )/ 1 )
=2331.2/681
=342.32 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(5.4 + 0 + 26.400000000009) - (170.2 + 0 + 0)
=-138.39999999999

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

GIC Housing Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=2278.3/99338.508
=2.29 %

* 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 EBIT Related Terms


GIC Housing Finance EBIT Historical Data

* Premium members only.

The historical data trend for GIC Housing Finance's EBIT 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 EBIT Chart

GIC Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,316.90 2,913.80 2,058.10 2,264.10 2,278.30

GIC Housing Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 572.60 577.70 593.60 524.20 582.80

BOM:511676 vs RKT, FNMA, PFSI: EBIT Comparison

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

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

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


BOM:511676
57GF Score
GIC Housing Finance Ltd BOM:511676
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

GIC Housing Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹2,278 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹2,278 Mil mean?
GIC Housing Finance (BOM:511676) has a EBIT of ₹2,278 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on GIC Housing Finance.
Is GIC Housing Finance's EBIT too high?
GIC Housing Finance's current EBIT is ₹2,278 Mil. Overall, GIC Housing Finance has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's EBIT compare to RKT and FNMA?
GIC Housing Finance's EBIT of ₹2,278 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on GIC Housing Finance. GIC Housing Finance's current EBIT is ₹2,278 Mil. 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 ₹192.59, compared to a current price of ₹159.75 — trading 17.1% below its estimated fair value. The current EBIT is ₹2,278 Mil. GIC Housing Finance's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For GIC Housing Finance (BOM:511676), the current EBIT is ₹2,278 Mil as of Mar. 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 ₹159.75 is trading 17.1% below its estimated GF Value™ of ₹192.59. GuruFocus considers GIC Housing Finance to be Modestly Undervalued.

Key valuation signals for BOM:511676:

  • EBIT: ₹2,278 Mil
  • GF Value™: ₹192.59 vs. price of ₹159.75 (17.1% below fair value)
  • GF Score™: 57/100 with 7 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.
57GF Score

Get the complete analysis for BOM:511676

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

₹159.75
Price
₹192.59
GF Value