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.
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.
GIC Housing FinanceBOM:511676 +0.27%56 Return-on-Tangible-Equity is 10.28% as of Mar. 2026, which is 3% below its 10-year median of 10.55. GuruFocus rates BOM:511676 with a GF Score™ of 56/100 and a GF Value™ of ₹190.73 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, GIC Housing Finance ranks worse than 70.3% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. GIC Housing Finance's annualized net income for the quarter that ended in Mar. 2026 was ₹2,147 Mil. GIC Housing Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹20,895 Mil. Therefore, GIC Housing Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.28%.
The historical rank and industry rank for GIC Housing Finance's Return-on-Tangible-Equity or its related term are showing as below:
BOM:511676'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.64 Med: 10.55 Max: 19.94
Current: 7.71
During the past 13 years, GIC Housing Finance's highest Return-on-Tangible-Equity was 19.94%. The lowest was 3.64%. And the median was 10.55%.
BOM:511676's Return-on-Tangible-Equity is ranked worse than 70.3% of 1525
companies
in the Banks industry
Industry Median: 11.25
vs BOM:511676: 7.71
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
GIC Housing Finance Return-on-Tangible-Equity Related Terms
GIC Housing Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for GIC Housing Finance's Return-on-Tangible-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.
BOM:511676 vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, GIC Housing Finance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where GIC Housing Finance's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.28% mean?
GIC Housing Finance (BOM:511676) has a Return-on-Tangible-Equity of 10.28% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on GIC Housing Finance and its competitors. This is near median its historical median of 10.55. Over the past decade, GIC Housing Finance's Return-on-Tangible-Equity has ranged from 3.64 to 19.94. According to the industry distribution chart, GIC Housing Finance ranks #1072 out of 1525 companies in the Banks industry, placing it in the top 70.3%.
Is GIC Housing Finance's Return-on-Tangible-Equity too high?
GIC Housing Finance's current Return-on-Tangible-Equity of 10.28% is near median its 10-year median of 10.55. Over the past 10 years, this metric has ranged from a low of 3.64 to a high of 19.94. The Banks industry median Return-on-Tangible-Equity is 11.25. GIC Housing Finance's value of 10.28% is 8.6% below this industry median. Based on the distribution chart, GIC Housing Finance ranks #1072 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, GIC Housing Finance has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #1072 out of 1525 companies for Return-on-Tangible-Equity. This places GIC Housing Finance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.25. GIC Housing Finance's value of 10.28% is 8.6% below this benchmark. Historically, GIC Housing Finance's own Return-on-Tangible-Equity has ranged from 3.64 to 19.94 over the past decade. While the company's 10-year median is 10.55 vs. the industry median of 11.25, GIC Housing Finance has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.25, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GIC Housing Finance's current Return-on-Tangible-Equity of 10.28% is 8.6% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on GIC Housing Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Return-on-Tangible-Equity is 10.28%, which is near median its own 10-year median of 10.55. 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 ₹190.73, compared to a current price of ₹151.25 — trading 20.7% below its estimated fair value. The current Return-on-Tangible-Equity is 10.28%, which is near median its 10-year median of 10.55 and 8.6% below the Banks industry median of 11.25. GIC Housing Finance's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For GIC Housing Finance (BOM:511676), the current Return-on-Tangible-Equity is 10.28% 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 ₹151.25 is trading 20.7% below its estimated GF Value™ of ₹190.73.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Return-on-Tangible-Equity: 10.28% (near median its 10-year median of 10.55)
GF Value™: ₹190.73 vs. price of ₹151.25 (20.7% below fair value)
Industry Position: 8.6% below the Banks median (#1072 of 1525)
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.
56GF Score
Get the complete analysis for BOM:511676
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:511676 has been successfully added to your 
