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GIC Housing FinanceBOM:511676 -0.99%60 EV-to-EBIT is 44.00 as of Sep. 05, 2026, which is 140% above its 10-year median of 18.30. GuruFocus rates BOM:511676 with a GF Score™ of 60/100 and a GF Value™ of ₹194.13 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 37 Banks companies, GIC Housing Finance ranks worse than 78.38% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
GIC Housing Finance's Enterprise Value for the quarter that ended in Jun. 2026 was ₹8,193 Mil.
GIC Housing Finance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹2,201 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.
GIC Housing Finance EV-to-EBIT Related Terms
GIC Housing Finance EV-to-EBIT Historical Data
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The historical data trend for GIC Housing Finance's EV-to-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.
BOM:511676 vs RKT, FNMA, PFSI: EV-to-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.
GIC Housing Finance's current Enterprise Value is ₹96,867 Mil.
GIC Housing Finance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹2,201 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.
GIC Housing Finance (BOM:511676) has a EV-to-EBIT of 44.00 as of Sep. 05, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on GIC Housing Finance and its competitors. This is 140% above median its historical median of 18.30. Over the past decade, GIC Housing Finance's EV-to-EBIT has ranged from 1.79 to 106.75. According to the industry distribution chart, GIC Housing Finance ranks #29 out of 37 companies in the Banks industry, placing it in the top 78.4%.
Is GIC Housing Finance's EV-to-EBIT too high?
GIC Housing Finance's current EV-to-EBIT of 44.00 is 140% above median its 10-year median of 18.30. Over the past 10 years, this metric has ranged from a low of 1.79 to a high of 106.75. The Banks industry median EV-to-EBIT is 25.13. GIC Housing Finance's value of 44.00 is 75.1% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #29 out of 37 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 EV-to-EBIT compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #29 out of 37 companies for EV-to-EBIT. This places GIC Housing Finance in the lower half of its industry. The industry median EV-to-EBIT is 25.13. GIC Housing Finance's value of 44.00 is 75.1% above this benchmark. Historically, GIC Housing Finance's own EV-to-EBIT has ranged from 1.79 to 106.75 over the past decade. While the company's 10-year median is 18.30 vs. the industry median of 25.13, 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 EV-to-EBIT for a Banks company?
The median EV-to-EBIT among Banks companies is 25.13, based on 37 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GIC Housing Finance's current EV-to-EBIT of 44.00 is 75.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on GIC Housing Finance and its competitors. For the Banks industry, the median EV-to-EBIT is 25.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current EV-to-EBIT is 44.00, which is 140% above median its own 10-year median of 18.30. 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 ₹194.13, compared to a current price of ₹140.40 — trading 27.7% below its estimated fair value. The current EV-to-EBIT is 44.00, which is 140% above median its 10-year median of 18.30 and 75.1% above the Banks industry median of 25.13. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For GIC Housing Finance (BOM:511676), the current EV-to-EBIT is 44.00 as of Sep. 05, 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 ₹140.40 is trading 27.7% below its estimated GF Value™ of ₹194.13.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
EV-to-EBIT: 44.00 (140% above median its 10-year median of 18.30)
GF Value™: ₹194.13 vs. price of ₹140.40 (27.7% below fair value)
Industry Position: 75.1% above the Banks median (#29 of 37)
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
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