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GIC Housing FinanceBOM:511676 -1.47%56 5-Year Yield-on-Cost % is 5.51 as of Aug. 12, 2026, which is 27% above its 10-year median of 4.33. GuruFocus rates BOM:511676 with a GF Score™ of 56/100 and a GF Value™ of ₹190.60 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,247 Banks companies, GIC Housing Finance ranks better than 68.81% on this metric.
GIC Housing Finance's yield on cost for the quarter that ended in Mar. 2026 was 5.51.
The historical rank and industry rank for GIC Housing Finance's 5-Year Yield-on-Cost % or its related term are showing as below:
BOM:511676'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.54 Med: 4.33 Max: 17.33
Current: 5.51
During the past 13 years, GIC Housing Finance's highest Yield on Cost was 17.33. The lowest was 1.54. And the median was 4.33.
BOM:511676's 5-Year Yield-on-Cost % is ranked better than 68.81% of 1247
companies
in the Banks industry
Industry Median: 3.81
vs BOM:511676: 5.51
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
GIC Housing Finance 5-Year Yield-on-Cost % Related Terms
BOM:511676 vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, GIC Housing Finance's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where GIC Housing Finance's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
GIC Housing Finance (BOM:511676) has a 5-Year Yield-on-Cost % of 5.51 as of Aug. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on GIC Housing Finance and its competitors. This is 27% above median its historical median of 4.33. Over the past decade, GIC Housing Finance's 5-Year Yield-on-Cost % has ranged from 1.54 to 17.33. According to the industry distribution chart, GIC Housing Finance ranks #389 out of 1247 companies in the Banks industry, placing it in the top 31.2%.
Is GIC Housing Finance's 5-Year Yield-on-Cost % too high?
GIC Housing Finance's current 5-Year Yield-on-Cost % of 5.51 is 27% above median its 10-year median of 4.33. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 17.33. The Banks industry median 5-Year Yield-on-Cost % is 3.81. GIC Housing Finance's value of 5.51 is 44.6% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #389 out of 1247 companies in the Banks industry, which is above 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 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #389 out of 1247 companies for 5-Year Yield-on-Cost %. This puts GIC Housing Finance in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. GIC Housing Finance's value of 5.51 is 44.6% above this benchmark. Historically, GIC Housing Finance's own 5-Year Yield-on-Cost % has ranged from 1.54 to 17.33 over the past decade. While the company's 10-year median is 4.33 vs. the industry median of 3.81, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,247 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GIC Housing Finance's current 5-Year Yield-on-Cost % of 5.51 is 44.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on GIC Housing Finance and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current 5-Year Yield-on-Cost % is 5.51, which is 27% above median its own 10-year median of 4.33. 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 ₹190.60, compared to a current price of ₹150.95 — trading 20.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.51, which is 27% above median its 10-year median of 4.33 and 44.6% above the Banks industry median of 3.81. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For GIC Housing Finance (BOM:511676), the current 5-Year Yield-on-Cost % is 5.51 as of Aug. 12, 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 ₹150.95 is trading 20.8% below its estimated GF Value™ of ₹190.60.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
5-Year Yield-on-Cost %: 5.51 (27% above median its 10-year median of 4.33)
GF Value™: ₹190.60 vs. price of ₹150.95 (20.8% below fair value)
Industry Position: 44.6% above the Banks median (#389 of 1247)
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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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