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GIC Housing Finance Limited
Buy, Hold or Sell?

Let's analyse GIC Housing Finance Limited together

PenkeI guess you are interested in GIC Housing Finance Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of GIC Housing Finance Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of GIC Housing Finance Limited (30 sec.)










What can you expect buying and holding a share of GIC Housing Finance Limited? (30 sec.)

How much money do you get?

How much money do you get?
INR0.22
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR315.56
Expected worth in 1 year
INR455.60
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR158.04
Return On Investment
78.5%

For what price can you sell your share?

Current Price per Share
INR201.40
Expected price per share
INR181.00 - INR225.00
How sure are you?
50%

1. Valuation of GIC Housing Finance Limited (5 min.)




Live pricePrice per Share (EOD)

INR201.40

Intrinsic Value Per Share

INR360.18 - INR4,362.17

Total Value Per Share

INR675.74 - INR4,677.72

2. Growth of GIC Housing Finance Limited (5 min.)




Is GIC Housing Finance Limited growing?

Current yearPrevious yearGrowGrow %
How rich?$203.9m$181.2m$22.6m11.1%

How much money is GIC Housing Finance Limited making?

Current yearPrevious yearGrowGrow %
Making money$25.5m$20.8m$4.7m18.6%
Net Profit Margin19.3%15.3%--

How much money comes from the company's main activities?

3. Financial Health of GIC Housing Finance Limited (5 min.)




4. Comparing to competitors in the Mortgage Finance industry (5 min.)




  Industry Rankings (Mortgage Finance)  


Richest
#40 / 53

Most Revenue
#30 / 53

Most Profit
#25 / 53

What can you expect buying and holding a share of GIC Housing Finance Limited? (5 min.)

Welcome investor! GIC Housing Finance Limited's management wants to use your money to grow the business. In return you get a share of GIC Housing Finance Limited.

What can you expect buying and holding a share of GIC Housing Finance Limited?

First you should know what it really means to hold a share of GIC Housing Finance Limited. And how you can make/lose money.

Speculation

The Price per Share of GIC Housing Finance Limited is INR201.40. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of GIC Housing Finance Limited.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in GIC Housing Finance Limited, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR315.56. Based on the TTM, the Book Value Change Per Share is INR35.01 per quarter. Based on the YOY, the Book Value Change Per Share is INR28.40 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR4.50 per quarter.
Based on historical numbers we can estimate the returns while holding a share of GIC Housing Finance Limited.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.480.2%0.480.2%0.390.2%0.320.2%0.310.2%
Usd Book Value Change Per Share0.420.2%0.420.2%0.340.2%0.320.2%0.260.1%
Usd Dividend Per Share0.050.0%0.050.0%0.050.0%0.050.0%0.060.0%
Usd Total Gains Per Share0.470.2%0.470.2%0.390.2%0.370.2%0.310.2%
Usd Price Per Share1.86-1.86-1.57-1.76-2.46-
Price to Earnings Ratio3.91-3.91-4.06-5.88-8.08-
Price-to-Total Gains Ratio3.92-3.92-4.04-5.42-8.79-
Price to Book Ratio0.49-0.49-0.47-0.57-1.18-
Price-to-Total Gains Ratio3.92-3.92-4.04-5.42-8.79-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share2.4168
Number of shares413
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.05
Usd Book Value Change Per Share0.420.32
Usd Total Gains Per Share0.470.37
Gains per Quarter (413 shares)195.82151.82
Gains per Year (413 shares)783.26607.28
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
18969477385522597
21781388155617010441204
32682082233925615661811
43572776312234120882418
54463470390542626103025
65354164468851131323632
76244858547159736544239
87145553625468241764846
98036247703776746985453
108926941782085252206060

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%

Fundamentals of GIC Housing Finance Limited

About GIC Housing Finance Limited

GIC Housing Finance Limited provides housing finance services in India. It grants housing loans to individuals, as well as to persons/entities engaged in construction of houses/flats for residential purposes. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. The company was incorporated in 1989 and is based in Mumbai, India.

Fundamental data was last updated by Penke on 2024-03-23 10:11:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of GIC Housing Finance Limited.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit GIC Housing Finance Limited earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • A Net Profit Margin of 19.3% means that ₹0.19 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of GIC Housing Finance Limited:

  • The MRQ is 19.3%. The company is making a huge profit. +2
  • The TTM is 19.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ19.3%TTM19.3%0.0%
TTM19.3%YOY15.3%+4.1%
TTM19.3%5Y12.2%+7.1%
5Y12.2%10Y13.7%-1.5%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ19.3%51.3%-32.0%
TTM19.3%53.3%-34.0%
YOY15.3%50.6%-35.3%
5Y12.2%55.0%-42.8%
10Y13.7%47.7%-34.0%
1.1.2. Return on Assets

Shows how efficient GIC Housing Finance Limited is using its assets to generate profit.

  • Above 5% is considered healthy but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • 2.0% Return on Assets means that GIC Housing Finance Limited generated ₹0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of GIC Housing Finance Limited:

  • The MRQ is 2.0%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.0%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.0%TTM2.0%0.0%
TTM2.0%YOY1.5%+0.5%
TTM2.0%5Y1.2%+0.8%
5Y1.2%10Y1.4%-0.2%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ2.0%0.1%+1.9%
TTM2.0%0.1%+1.9%
YOY1.5%0.1%+1.4%
5Y1.2%0.2%+1.0%
10Y1.4%0.1%+1.3%
1.1.3. Return on Equity

Shows how efficient GIC Housing Finance Limited is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • 12.5% Return on Equity means GIC Housing Finance Limited generated ₹0.13 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of GIC Housing Finance Limited:

  • The MRQ is 12.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.5%TTM12.5%0.0%
TTM12.5%YOY11.5%+1.1%
TTM12.5%5Y9.8%+2.7%
5Y9.8%10Y13.4%-3.6%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ12.5%5.1%+7.4%
TTM12.5%6.1%+6.4%
YOY11.5%6.9%+4.6%
5Y9.8%13.6%-3.8%
10Y13.4%12.5%+0.9%

1.2. Operating Efficiency of GIC Housing Finance Limited.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient GIC Housing Finance Limited is operating .

  • Measures how much profit GIC Housing Finance Limited makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • An Operating Margin of 28.2% means the company generated ₹0.28  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of GIC Housing Finance Limited:

  • The MRQ is 28.2%. The company is operating very efficient. +2
  • The TTM is 28.2%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ28.2%TTM28.2%0.0%
TTM28.2%YOY29.4%-1.3%
TTM28.2%5Y24.4%+3.7%
5Y24.4%10Y44.1%-19.6%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ28.2%21.0%+7.2%
TTM28.2%17.5%+10.7%
YOY29.4%27.7%+1.7%
5Y24.4%25.2%-0.8%
10Y44.1%26.8%+17.3%
1.2.2. Operating Ratio

Measures how efficient GIC Housing Finance Limited is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Mortgage Finance industry mean).
  • An Operation Ratio of 0.73 means that the operating costs are ₹0.73 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of GIC Housing Finance Limited:

  • The MRQ is 0.734. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.734. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.734TTM0.7340.000
TTM0.734YOY0.707+0.027
TTM0.7345Y0.759-0.025
5Y0.75910Y0.632+0.127
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7340.579+0.155
TTM0.7340.725+0.009
YOY0.7070.752-0.045
5Y0.7590.659+0.100
10Y0.6320.665-0.033

1.3. Liquidity of GIC Housing Finance Limited.

1.3. Liquidity
1.3.1. Current Ratio

Measures if GIC Housing Finance Limited is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Mortgage Finance industry mean).
  • A Current Ratio of 16.28 means the company has ₹16.28 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of GIC Housing Finance Limited:

  • The MRQ is 16.275. The company is very able to pay all its short-term debts. +2
  • The TTM is 16.275. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ16.275TTM16.2750.000
TTM16.275YOY0.345+15.931
TTM16.2755Y3.464+12.811
5Y3.46410Y1.864+1.599
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ16.27514.710+1.565
TTM16.27537.702-21.427
YOY0.3452.525-2.180
5Y3.46438.137-34.673
10Y1.86430.991-29.127
1.3.2. Quick Ratio

Measures if GIC Housing Finance Limited is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • A Quick Ratio of 10.81 means the company can pay off ₹10.81 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of GIC Housing Finance Limited:

  • The MRQ is 10.810. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 10.810. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ10.810TTM10.8100.000
TTM10.810YOY0.150+10.660
TTM10.8105Y3.072+7.738
5Y3.07210Y3.465-0.393
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ10.8103.339+7.471
TTM10.81041.352-30.542
YOY0.1503.145-2.995
5Y3.07235.139-32.067
10Y3.46539.955-36.490

1.4. Solvency of GIC Housing Finance Limited.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of GIC Housing Finance Limited assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare GIC Housing Finance Limited to Mortgage Finance industry mean.
  • A Debt to Asset Ratio of 0.84 means that GIC Housing Finance Limited assets are financed with 84.4% credit (debt) and the remaining percentage (100% - 84.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of GIC Housing Finance Limited:

  • The MRQ is 0.844. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.844. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.844TTM0.8440.000
TTM0.844YOY0.873-0.029
TTM0.8445Y0.883-0.039
5Y0.88310Y0.894-0.011
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8440.964-0.120
TTM0.8440.948-0.104
YOY0.8730.946-0.073
5Y0.8830.947-0.064
10Y0.8940.933-0.039
1.4.2. Debt to Equity Ratio

Measures if GIC Housing Finance Limited is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • A Debt to Equity ratio of 542.6% means that company has ₹5.43 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of GIC Housing Finance Limited:

  • The MRQ is 5.426. The company is unable to pay all its debts with equity. -1
  • The TTM is 5.426. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ5.426TTM5.4260.000
TTM5.426YOY6.896-1.470
TTM5.4265Y7.869-2.442
5Y7.86910Y8.720-0.852
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ5.42629.828-24.402
TTM5.42627.007-21.581
YOY6.89629.454-22.558
5Y7.86925.735-17.866
10Y8.72021.065-12.345

2. Market Valuation of GIC Housing Finance Limited

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings GIC Housing Finance Limited generates.

  • Above 15 is considered overpriced but always compare GIC Housing Finance Limited to the Mortgage Finance industry mean.
  • A PE ratio of 3.91 means the investor is paying ₹3.91 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of GIC Housing Finance Limited:

  • The EOD is 5.086. Based on the earnings, the company is cheap. +2
  • The MRQ is 3.910. Based on the earnings, the company is cheap. +2
  • The TTM is 3.910. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.086MRQ3.910+1.176
MRQ3.910TTM3.9100.000
TTM3.910YOY4.064-0.154
TTM3.9105Y5.877-1.967
5Y5.87710Y8.081-2.204
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD5.0862.274+2.812
MRQ3.9101.649+2.261
TTM3.9101.120+2.790
YOY4.0648.682-4.618
5Y5.87718.078-12.201
10Y8.08111.419-3.338
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of GIC Housing Finance Limited:

  • The EOD is 1.046. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 0.804. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 0.804. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.046MRQ0.804+0.242
MRQ0.804TTM0.8040.000
TTM0.804YOY0.551+0.253
TTM0.8045Y8.737-7.933
5Y8.73710Y3.777+4.960
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD1.0462.464-1.418
MRQ0.8041.737-0.933
TTM0.8041.266-0.462
YOY0.5510.132+0.419
5Y8.7370.468+8.269
10Y3.777-0.095+3.872
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of GIC Housing Finance Limited is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Mortgage Finance industry mean).
  • A PB ratio of 0.49 means the investor is paying ₹0.49 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of GIC Housing Finance Limited:

  • The EOD is 0.638. Based on the equity, the company is cheap. +2
  • The MRQ is 0.491. Based on the equity, the company is cheap. +2
  • The TTM is 0.491. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.638MRQ0.491+0.148
MRQ0.491TTM0.4910.000
TTM0.491YOY0.467+0.024
TTM0.4915Y0.566-0.075
5Y0.56610Y1.180-0.614
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD0.6380.487+0.151
MRQ0.4910.352+0.139
TTM0.4910.310+0.181
YOY0.4670.418+0.049
5Y0.5661.656-1.090
10Y1.1800.907+0.273
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of GIC Housing Finance Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--35.01135.0110%28.401+23%26.334+33%21.338+64%
Book Value Per Share--315.555315.5550%280.544+12%263.132+20%202.698+56%
Current Ratio--16.27516.2750%0.345+4623%3.464+370%1.864+773%
Debt To Asset Ratio--0.8440.8440%0.873-3%0.883-4%0.894-6%
Debt To Equity Ratio--5.4265.4260%6.896-21%7.869-31%8.720-38%
Dividend Per Share--4.4994.4990%4.000+12%4.300+5%4.749-5%
Eps--39.60039.6000%32.220+23%26.360+50%25.776+54%
Free Cash Flow Per Share--192.590192.5900%237.800-19%44.962+328%-86.345+145%
Free Cash Flow To Equity Per Share---37.370-37.3700%72.201-152%7.894-573%4.152-1000%
Gross Profit Margin--0.9940.9940%0.990+0%0.986+1%0.990+0%
Intrinsic Value_10Y_max--4362.167--------
Intrinsic Value_10Y_min--360.182--------
Intrinsic Value_1Y_max--233.137--------
Intrinsic Value_1Y_min---56.044--------
Intrinsic Value_3Y_max--855.940--------
Intrinsic Value_3Y_min---89.586--------
Intrinsic Value_5Y_max--1666.172--------
Intrinsic Value_5Y_min---36.505--------
Market Cap10845611540.000+23%8338842835.0008338842835.0000%7051801545.000+18%7877338908.000+6%11028431012.500-24%
Net Profit Margin--0.1930.1930%0.153+27%0.122+59%0.137+41%
Operating Margin--0.2820.2820%0.294-4%0.244+15%0.441-36%
Operating Ratio--0.7340.7340%0.707+4%0.759-3%0.632+16%
Pb Ratio0.638+23%0.4910.4910%0.467+5%0.566-13%1.180-58%
Pe Ratio5.086+23%3.9103.9100%4.064-4%5.877-33%8.081-52%
Price Per Share201.400+23%154.850154.8500%130.950+18%146.280+6%204.785-24%
Price To Free Cash Flow Ratio1.046+23%0.8040.8040%0.551+46%8.737-91%3.777-79%
Price To Total Gains Ratio5.097+23%3.9193.9190%4.042-3%5.425-28%8.788-55%
Quick Ratio--10.81010.8100%0.150+7107%3.072+252%3.465+212%
Return On Assets--0.0200.0200%0.015+34%0.012+65%0.014+40%
Return On Equity--0.1250.1250%0.115+9%0.098+28%0.134-6%
Total Gains Per Share--39.51139.5110%32.400+22%30.634+29%26.087+51%
Usd Book Value--203916000.000203916000.0000%181291200.000+12%170039280.000+20%130992960.000+56%
Usd Book Value Change Per Share--0.4200.4200%0.341+23%0.316+33%0.256+64%
Usd Book Value Per Share--3.7873.7870%3.367+12%3.158+20%2.432+56%
Usd Dividend Per Share--0.0540.0540%0.048+12%0.052+5%0.057-5%
Usd Eps--0.4750.4750%0.387+23%0.316+50%0.309+54%
Usd Free Cash Flow--124454400.000124454400.0000%153669600.000-19%29055360.000+328%-55804800.000+145%
Usd Free Cash Flow Per Share--2.3112.3110%2.854-19%0.540+328%-1.036+145%
Usd Free Cash Flow To Equity Per Share---0.448-0.4480%0.866-152%0.095-573%0.050-1000%
Usd Market Cap130147338.480+23%100066114.020100066114.0200%84621618.540+18%94528066.896+6%132341172.150-24%
Usd Price Per Share2.417+23%1.8581.8580%1.571+18%1.755+6%2.457-24%
Usd Profit--25590000.00025590000.0000%20821200.000+23%17034000.000+50%16403040.000+56%
Usd Revenue--132470400.000132470400.0000%136500000.000-3%142381920.000-7%122888760.000+8%
Usd Total Gains Per Share--0.4740.4740%0.389+22%0.368+29%0.313+51%
 EOD+4 -4MRQTTM+0 -0YOY+24 -125Y+31 -510Y+25 -11

3.2. Fundamental Score

Let's check the fundamental score of GIC Housing Finance Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-155.086
Price to Book Ratio (EOD)Between0-10.638
Net Profit Margin (MRQ)Greater than00.193
Operating Margin (MRQ)Greater than00.282
Quick Ratio (MRQ)Greater than110.810
Current Ratio (MRQ)Greater than116.275
Debt to Asset Ratio (MRQ)Less than10.844
Debt to Equity Ratio (MRQ)Less than15.426
Return on Equity (MRQ)Greater than0.150.125
Return on Assets (MRQ)Greater than0.050.020
Total7/10 (70.0%)

3.3. Technical Score

Let's check the technical score of GIC Housing Finance Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5040.106
Ma 20Greater thanMa 50209.183
Ma 50Greater thanMa 100233.535
Ma 100Greater thanMa 200221.501
OpenGreater thanClose205.000
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-03-312020-03-312021-03-312022-03-312023-03-31
Other Current Assets  5,774,000-141,1005,632,900117,991,000123,623,900-11,148,200112,475,700-113,380,300-904,600



Latest Balance Sheet

Balance Sheet of 2023-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets109,201,700
Total Liabilities92,208,700
Total Stockholder Equity16,993,000
 As reported
Total Liabilities 92,208,700
Total Stockholder Equity+ 16,993,000
Total Assets = 109,201,700

Assets

Total Assets109,201,700
Total Current Assets1,661,700
Long-term Assets107,540,000
Total Current Assets
Cash And Cash Equivalents 697,000
Short-term Investments 199,100
Net Receivables 8,500
Total Current Assets  (as reported)1,661,700
Total Current Assets  (calculated)904,600
+/- 757,100
Long-term Assets
Property Plant Equipment 258,200
Intangible Assets 352,200
Long-term Assets Other 103,957,200
Long-term Assets  (as reported)107,540,000
Long-term Assets  (calculated)104,567,600
+/- 2,972,400

Liabilities & Shareholders' Equity

Total Current Liabilities102,100
Long-term Liabilities92,106,600
Total Stockholder Equity16,993,000
Total Current Liabilities
Short-term Debt 35,050,600
Short Long Term Debt 34,976,100
Accounts payable 248,000
Other Current Liabilities 11,600
Total Current Liabilities  (as reported)102,100
Total Current Liabilities  (calculated)70,286,300
+/- 70,184,200
Long-term Liabilities
Long term Debt Total 91,679,400
Capital Lease Obligations 252,200
Long-term Liabilities Other 90,600
Long-term Liabilities  (as reported)92,106,600
Long-term Liabilities  (calculated)92,022,200
+/- 84,400
Total Stockholder Equity
Common Stock538,800
Retained Earnings 260,600
Accumulated Other Comprehensive Income 15,023,700
Capital Surplus 1,170,200
Total Stockholder Equity (as reported)16,993,000
Total Stockholder Equity (calculated)16,993,300
+/- 300
Other
Capital Stock538,800
Cash And Equivalents896,100
Cash and Short Term Investments 896,100
Common Stock Shares Outstanding 53,851
Current Deferred Revenue-35,208,100
Liabilities and Stockholders Equity 109,201,700
Net Debt 90,982,400
Net Invested Capital 108,420,200
Net Working Capital 1,559,600
Property Plant and Equipment Gross 258,200
Short Long Term Debt Total 91,679,400



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-31
> Total Assets 
21,048,748
25,085,972
29,228,672
30,526,173
36,104,981
42,833,400
47,513,300
55,181,200
67,192,100
80,213,800
94,044,900
113,546,800
129,674,500
130,988,800
126,408,400
119,290,400
109,201,700
109,201,700119,290,400126,408,400130,988,800129,674,500113,546,80094,044,90080,213,80067,192,10055,181,20047,513,30042,833,40036,104,98130,526,17329,228,67225,085,97221,048,748
   > Total Current Assets 
0
0
0
0
0
0
3,450,000
3,595,900
3,544,100
4,096,100
4,700,500
5,565,900
6,283,000
6,772,500
7,164,400
11,162,800
1,661,700
1,661,70011,162,8007,164,4006,772,5006,283,0005,565,9004,700,5004,096,1003,544,1003,595,9003,450,000000000
       Cash And Cash Equivalents 
0
0
0
0
0
3,200,300
1,135,500
899,000
415,700
523,400
621,100
538,000
485,000
1,106,300
867,600
4,777,600
697,000
697,0004,777,600867,6001,106,300485,000538,000621,100523,400415,700899,0001,135,5003,200,30000000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
23,000
24,000
33,300
38,700
36,500
199,100
199,10036,50038,70033,30024,00023,00000000000000
       Net Receivables 
0
0
0
0
0
0
0
53,263,500
66,119,700
121,300
92,983,600
109,429,700
127,571,700
17,000
12,800
7,800
8,500
8,5007,80012,80017,000127,571,700109,429,70092,983,600121,30066,119,70053,263,5000000000
       Other Current Assets 
0
0
0
0
0
0
2,314,500
2,696,900
3,128,400
3,572,700
4,079,400
5,004,900
5,774,000
5,632,900
123,623,900
112,475,700
-904,600
-904,600112,475,700123,623,9005,632,9005,774,0005,004,9004,079,4003,572,7003,128,4002,696,9002,314,500000000
   > Long-term Assets 
0
0
0
0
0
0
44,063,300
51,585,300
63,648,000
76,117,700
89,344,400
107,980,900
123,391,500
124,216,300
119,244,000
108,127,600
107,540,000
107,540,000108,127,600119,244,000124,216,300123,391,500107,980,90089,344,40076,117,70063,648,00051,585,30044,063,300000000
       Property Plant Equipment 
25,503
25,112
27,538
30,994
33,157
43,100
46,700
42,600
26,200
21,600
23,000
20,700
28,400
187,700
163,800
171,100
258,200
258,200171,100163,800187,70028,40020,70023,00021,60026,20042,60046,70043,10033,15730,99427,53825,11225,503
       Long Term Investments 
0
0
0
0
0
0
0
99,300
98,300
98,000
264,700
264,700
263,400
0
0
0
0
0000263,400264,700264,70098,00098,30099,3000000000
       Intangible Assets 
5,998
4,557
4,046
0
0
43,000
0
9,500
0
0
0
0
134,400
134,400
287,200
322,600
352,200
352,200322,600287,200134,400134,40000009,500043,000004,0464,5575,998
       Long-term Assets Other 
0
0
0
0
0
0
43,500,500
50,938,700
63,245,800
75,981,700
89,321,400
107,718,500
121,888,400
122,786,500
117,458,500
106,234,200
103,957,200
103,957,200106,234,200117,458,500122,786,500121,888,400107,718,50089,321,40075,981,70063,245,80050,938,70043,500,500000000
> Total Liabilities 
18,197,456
21,922,736
25,747,289
26,656,365
31,441,711
37,861,400
42,006,000
49,076,400
60,588,400
72,895,800
85,662,700
103,644,400
117,134,500
118,357,900
112,830,200
104,182,800
92,208,700
92,208,700104,182,800112,830,200118,357,900117,134,500103,644,40085,662,70072,895,80060,588,40049,076,40042,006,00037,861,40031,441,71126,656,36525,747,28921,922,73618,197,456
   > Total Current Liabilities 
0
0
0
0
0
3,358,900
10,346,000
10,886,600
14,966,000
15,606,900
18,001,900
23,759,000
29,638,000
26,731,100
30,528,900
32,392,900
102,100
102,10032,392,90030,528,90026,731,10029,638,00023,759,00018,001,90015,606,90014,966,00010,886,60010,346,0003,358,90000000
       Short-term Debt 
0
0
0
0
0
3,358,900
9,707,800
10,216,900
14,352,100
14,903,100
17,552,300
23,328,500
29,156,600
26,126,200
30,034,800
31,926,200
35,050,600
35,050,60031,926,20030,034,80026,126,20029,156,60023,328,50017,552,30014,903,10014,352,10010,216,9009,707,8003,358,90000000
       Short Long Term Debt 
0
0
0
0
0
0
0
46,517,600
7,904,600
8,717,500
17,552,300
23,328,500
29,156,600
26,093,000
30,000,400
31,868,500
34,976,100
34,976,10031,868,50030,000,40026,093,00029,156,60023,328,50017,552,3008,717,5007,904,60046,517,6000000000
       Accounts payable 
0
0
0
0
0
0
36,700
51,400
46,600
66,700
57,700
348,100
450,400
514,800
393,400
299,400
248,000
248,000299,400393,400514,800450,400348,10057,70066,70046,60051,40036,700000000
       Other Current Liabilities 
0
0
0
0
0
0
601,500
618,300
567,300
637,100
391,900
82,400
31,000
69,500
100,700
5,700
11,600
11,6005,700100,70069,50031,00082,400391,900637,100567,300618,300601,500000000
   > Long-term Liabilities 
17,510,215
21,114,909
24,779,783
26,269,125
30,864,410
28,309,600
31,660,000
38,189,800
45,622,400
57,288,900
67,660,800
79,885,400
87,496,500
91,626,800
82,301,300
71,789,900
92,106,600
92,106,60071,789,90082,301,30091,626,80087,496,50079,885,40067,660,80057,288,90045,622,40038,189,80031,660,00028,309,60030,864,41026,269,12524,779,78321,114,90917,510,215
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
55,107,500
64,366,000
76,512,100
116,586,300
117,682,900
77,787,400
103,648,900
91,679,400
91,679,400103,648,90077,787,400117,682,900116,586,30076,512,10064,366,00055,107,500000000000
       Other Liabilities 
0
0
0
0
0
0
0
1,889,100
2,016,000
2,181,400
2,844,700
36,800
27,100
38,700
41,000
23,600
38,900
38,90023,60041,00038,70027,10036,8002,844,7002,181,4002,016,0001,889,1000000000
> Total Stockholder Equity
2,851,292
3,163,236
3,481,382
3,869,808
4,663,271
4,972,000
5,507,300
6,104,800
6,603,700
7,318,000
8,382,200
9,902,400
12,540,000
12,630,900
13,578,200
15,107,600
16,993,000
16,993,00015,107,60013,578,20012,630,90012,540,0009,902,4008,382,2007,318,0006,603,7006,104,8005,507,3004,972,0004,663,2713,869,8083,481,3823,163,2362,851,292
   Common Stock
538,511
538,511
538,511
538,511
538,511
538,800
538,800
538,800
538,800
538,800
538,800
538,800
538,800
538,800
538,800
538,800
538,800
538,800538,800538,800538,800538,800538,800538,800538,800538,800538,800538,800538,800538,511538,511538,511538,511538,511
   Retained Earnings Total Equity00000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
-49,363
-55,214
-57,300
-70,200
-76,300
-100,600
-108,400
-107,900
-111,200
-13,300
-72,900
11,645,300
13,155,500
15,023,700
15,023,70013,155,50011,645,300-72,900-13,300-111,200-107,900-108,400-100,600-76,300-70,200-57,300-55,214-49,363000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
1,170,200
1,170,200
1,170,200
1,170,200
1,170,200
1,170,200
1,170,200
1,170,200
1,170,2001,170,2001,170,2001,170,2001,170,2001,170,2001,170,2001,170,200000000000
   Treasury Stock00000000000000000
   Other Stockholders Equity 
2,312,781
2,624,726
2,942,872
3,380,660
4,179,974
4,490,500
5,038,200
5,641,800
6,165,100
6,887,000
7,626,900
9,117,200
11,649,900
12,041,800
1,169,900
1,169,900
1,169,900
1,169,9001,169,9001,169,90012,041,80011,649,9009,117,2007,626,9006,887,0006,165,1005,641,8005,038,2004,490,5004,179,9743,380,6602,942,8722,624,7262,312,781



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2023-03-31)

Gross Profit (+$)
totalRevenue11,039,200
Cost of Revenue-7,623,800
Gross Profit3,415,4003,415,400
 
Operating Income (+$)
Gross Profit3,415,400
Operating Expense-482,800
Operating Income3,108,3002,932,600
 
Operating Expense (+$)
Research Development0
Selling General Administrative296,300
Selling And Marketing Expenses12,200
Operating Expense482,800308,500
 
Net Interest Income (+$)
Interest Income1,500
Interest Expense-15,300
Other Finance Cost-167,200
Net Interest Income153,400
 
Pretax Income (+$)
Operating Income3,108,300
Net Interest Income153,400
Other Non-Operating Income Expenses0
Income Before Tax (EBT)2,898,0003,318,600
EBIT - interestExpense = 3,093,000
2,898,500
2,147,800
Interest Expense15,300
Earnings Before Interest and Taxes (EBIT)3,108,3002,913,300
Earnings Before Interest and Taxes (EBITDA)3,207,700
 
After tax Income (+$)
Income Before Tax2,898,000
Tax Provision-766,000
Net Income From Continuing Ops2,132,0002,132,000
Net Income2,132,500
Net Income Applicable To Common Shares2,132,500
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses8,106,600
Total Other Income/Expenses Net-210,300-153,400
 

Technical Analysis of GIC Housing Finance Limited
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of GIC Housing Finance Limited. The general trend of GIC Housing Finance Limited is BEARISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine GIC Housing Finance Limited's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-14.3%) Bearish trend (14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of GIC Housing Finance Limited.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 203.75 < 214.85 < 225.00.

The bearish price targets are: 187.15 > 181.20 > 181.00.

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GIC Housing Finance Limited Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of GIC Housing Finance Limited. The current mas is .

The long score for the Moving Averages is 6/14.
The longshort score for the Moving Averages is -2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

GIC Housing Finance Limited Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of GIC Housing Finance Limited. The current macd is -10.34453263.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the GIC Housing Finance Limited price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for GIC Housing Finance Limited. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the GIC Housing Finance Limited price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
GIC Housing Finance Limited Daily Moving Average Convergence/Divergence (MACD) ChartGIC Housing Finance Limited Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of GIC Housing Finance Limited. The current adx is 23.83.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell GIC Housing Finance Limited shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
GIC Housing Finance Limited Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of GIC Housing Finance Limited. The current sar is 188.83.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
GIC Housing Finance Limited Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of GIC Housing Finance Limited. The current rsi is 40.11. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
  • Trending down: The RSI is trending down. -1
GIC Housing Finance Limited Daily Relative Strength Index (RSI) ChartGIC Housing Finance Limited Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of GIC Housing Finance Limited. The current phase is Continuation in bear market.

The long score for the Stochastic Oscillator is 2/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the GIC Housing Finance Limited price going up in the near term. +2
  • Trending down: The STOCH %K is trending down. -1
GIC Housing Finance Limited Daily Stochastic Oscillator ChartGIC Housing Finance Limited Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of GIC Housing Finance Limited. The current cci is -33.12141904.

GIC Housing Finance Limited Daily Commodity Channel Index (CCI) ChartGIC Housing Finance Limited Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of GIC Housing Finance Limited. The current cmo is -14.35122596.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
GIC Housing Finance Limited Daily Chande Momentum Oscillator (CMO) ChartGIC Housing Finance Limited Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of GIC Housing Finance Limited. The current willr is -66.66666667.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that GIC Housing Finance Limited is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
GIC Housing Finance Limited Daily Williams %R ChartGIC Housing Finance Limited Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of GIC Housing Finance Limited.

GIC Housing Finance Limited Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of GIC Housing Finance Limited. The current atr is 10.30.

GIC Housing Finance Limited Daily Average True Range (ATR) ChartGIC Housing Finance Limited Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of GIC Housing Finance Limited. The current obv is 60,526,330.

GIC Housing Finance Limited Daily On-Balance Volume (OBV) ChartGIC Housing Finance Limited Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of GIC Housing Finance Limited. The current mfi is 35.25.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
GIC Housing Finance Limited Daily Money Flow Index (MFI) ChartGIC Housing Finance Limited Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for GIC Housing Finance Limited.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-09STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-28WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-29STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-04STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-06STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-08STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-11STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-12STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-19SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-20CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-01SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-03STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-04STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-09CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-11CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-12MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-15WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-16RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-25STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-30MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-31STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-06CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-09SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-02-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-22CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-26CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-28DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-29CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-05STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-06CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-15MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21RSI LONG ENTRY SHORT CLOSE30 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-26STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-27MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.

6.3. Candlestick Patterns

GIC Housing Finance Limited Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of GIC Housing Finance Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5040.106
Ma 20Greater thanMa 50209.183
Ma 50Greater thanMa 100233.535
Ma 100Greater thanMa 200221.501
OpenGreater thanClose205.000
Total3/5 (60.0%)
Penke

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