GIC Housing FinanceBOM:511676 -4.14%57 EBITDA Margin % is 22.56% as of Mar. 2026, which is 3% above its 10-year median of 21.88. 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. Among 48 Banks companies, GIC Housing Finance ranks better than 50% on this metric.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
GIC Housing Finance EBITDA Margin % Related Terms
GIC Housing Finance EBITDA Margin % Historical Data
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The historical data trend for GIC Housing Finance's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Mortgage Finance subindustry, GIC Housing Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where GIC Housing Finance's EBITDA Margin % 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.
GIC Housing Finance (BOM:511676) has a EBITDA Margin % of 22.56% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on GIC Housing Finance and its competitors. This is near median its historical median of 21.88. Over the past decade, GIC Housing Finance's EBITDA Margin % has ranged from 9.61 to 27.77. According to the industry distribution chart, GIC Housing Finance ranks #24 out of 48 companies in the Banks industry, placing it in the top 50%.
Is GIC Housing Finance's EBITDA Margin % too high?
GIC Housing Finance's current EBITDA Margin % of 22.56% is near median its 10-year median of 21.88. Over the past 10 years, this metric has ranged from a low of 9.61 to a high of 27.77. The Banks industry median EBITDA Margin % is 20.82. GIC Housing Finance's value of 22.56% is 8.4% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #24 out of 48 companies in the Banks industry, which is above the industry midpoint. 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 EBITDA Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #24 out of 48 companies for EBITDA Margin %. This puts GIC Housing Finance in the upper half of its industry. The industry median EBITDA Margin % is 20.82. GIC Housing Finance's value of 22.56% is 8.4% above this benchmark. Historically, GIC Housing Finance's own EBITDA Margin % has ranged from 9.61 to 27.77 over the past decade. While the company's 10-year median is 21.88 vs. the industry median of 20.82, GIC Housing Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Banks company?
The median EBITDA Margin % among Banks companies is 20.82, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GIC Housing Finance's current EBITDA Margin % of 22.56% is 8.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on GIC Housing Finance and its competitors. For the Banks industry, the median EBITDA Margin % is 20.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current EBITDA Margin % is 22.56%, which is near median its own 10-year median of 21.88. 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 EBITDA Margin % is 22.56%, which is near median its 10-year median of 21.88 and 8.4% above the Banks industry median of 20.82. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For GIC Housing Finance (BOM:511676), the current EBITDA Margin % is 22.56% 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:
EBITDA Margin %: 22.56% (near median its 10-year median of 21.88)
GF Value™: ₹192.59 vs. price of ₹159.75 (17.1% below fair value)
Industry Position: 8.4% above the Banks median (#24 of 48)
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.
57GF Score
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