GIC Housing Finance (BOM:511676) EV-to-FCF: (As of Jul. 14, 2026)

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BOM:511676 GIC Housing Finance Ltd BOM:511676
56 GF Score
Price ₹152.25
GF Value ₹190.76
Valuation Modestly Undervalued
! 6 Warning Signs
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What is GIC Housing Finance EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, GIC Housing Finance's Enterprise Value is ₹97,505 Mil. GIC Housing Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, GIC Housing Finance's EV-to-FCF for today is .

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

BOM:511676' s EV-to-FCF Range Over the Past 10 Years
Min: -29.95   Med: 0   Max: 0
Current: -29.95

BOM:511676's EV-to-FCF is ranked worse than
100% of 1199 companies
in the Banks industry
Industry Median: 6.57 vs BOM:511676: -29.95

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-14), GIC Housing Finance's stock price is ₹152.25. GIC Housing Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹28.750. Therefore, GIC Housing Finance's PE Ratio (TTM) for today is 5.30.


GIC Housing Finance  (BOM:511676) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

GIC Housing Finance's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=152.25/28.750
=5.30

GIC Housing Finance's share price for today is ₹152.25.
GIC Housing Finance's Earnings per Share (Diluted) 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 ₹28.750.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


GIC Housing Finance EV-to-FCF Related Terms


GIC Housing Finance EV-to-FCF Historical Data

* Premium members only.

The historical data trend for GIC Housing Finance's EV-to-FCF 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 EV-to-FCF Chart

GIC Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.27 9.41 18.42 -465.59 -29.63

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
EV-to-FCF 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 -465.59 0.00 0.00 0.00 -29.63

BOM:511676 vs RKT, FNMA, PFSI: EV-to-FCF Comparison

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

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

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


BOM:511676
56GF Score
GIC Housing Finance Ltd BOM:511676
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

GIC Housing Finance EV-to-FCF Calculation

GIC Housing Finance's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=97505.125/0
=

GIC Housing Finance's current Enterprise Value is ₹97,505 Mil.
GIC Housing Finance's Free Cash Flow 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 ₹0 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.

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 ₹152.25 is trading 20.2% below its estimated GF Value™ of ₹190.76. GuruFocus considers GIC Housing Finance to be Modestly Undervalued.

Key valuation signals for BOM:511676:

  • EV-to-FCF:
  • GF Value™: ₹190.76 vs. price of ₹152.25 (20.2% below fair value)
  • GF Score™: 56/100 with 6 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.
56GF Score

Get the complete analysis for BOM:511676

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

₹152.25
Price
₹190.76
GF Value