Gic Housing Finance Ltd
₹136.84
+0.53%
Delayed · cached 15 min
Fair value analysis
GICHSGFIN
Gic Housing Finance Ltd
₹136.12
Close used for this calculation
₹407.04Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
42/100
Quality radar
Consensus fair value
₹407.04
Below FV▲ +199.0% against the close used
Model range ₹57.10 – ₹538.85
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear₹57.10Fair value₹407.04Bull₹538.85
FairClose
52-week traded range
52W low ₹131.3152W high ₹179.93
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading below the consensus fair value
Gic Housing Finance Ltd closed at ₹136.12, 66.6% below the consensus fair value of ₹407.04 drawn from 7 valuation models.
Financial DNA score 42/100 — Average. P/E of 4.7x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
₹538.85
+295.9%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8%, r=10%, tg=3%, n=10yr
Graham Number
₹508.90
+273.9%
√(22.5 × EPS × BVPS)
EPS=28.75, BVPS=400.35
P/E Fair Value
₹382.38
+180.9%
EPS × 13.3x (sector P/E)
EPS=28.75, Sector P/E=13.3x
Dividend Discount (DDM)
₹57.10
-58.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=4.48, r=10%, g=2%
Book Value (P/B)
₹263.66
+93.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=400.35, ROE=7.6%, g=3%, r=10%
Reverse DCF
₹136.12
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -10% | Historical: 0%
Margin of Safety
₹357.53
+162.7%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=476.71, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.