Siel Financial [SIELFNS] vs GIC Housing Finance [GICHSGFIN] Detailed Stock Comparison

Siel Financial Services Limited

BSE
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GIC Housing Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Siel Financial Services Limited wins in 4 metrics, GIC Housing Finance Ltd. wins in 13 metrics, with 0 ties. GIC Housing Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Siel Financial Services Limited GIC Housing Finance Ltd. Better
P/E Ratio (TTM) -202.64 6.15 GIC Housing Finance Ltd.
Price-to-Book Ratio -8.41 0.42 GIC Housing Finance Ltd.
Debt-to-Equity Ratio -1.01 451.51 GIC Housing Finance Ltd.
PEG Ratio -0.07 -0.51 Siel Financial Services Limited
EV/EBITDA -190.74 43.80 GIC Housing Finance Ltd.
Profit Margin (TTM) -211.41% 44.13% GIC Housing Finance Ltd.
Operating Margin (TTM) -153.99% 55.75% GIC Housing Finance Ltd.
EBITDA Margin (TTM) N/A 55.75% N/A
Return on Equity 4.44% 8.16% GIC Housing Finance Ltd.
Return on Assets (TTM) -225.56% 1.49% GIC Housing Finance Ltd.
Free Cash Flow (TTM) $-2.67M $-201.80M Siel Financial Services Limited
Dividend Yield N/A 2.20% N/A
1-Year Return 123.83% -20.95% Siel Financial Services Limited
Price-to-Sales Ratio (TTM) 193.64 2.73 GIC Housing Finance Ltd.
Enterprise Value $488.47M $96.94B GIC Housing Finance Ltd.
EV/Revenue Ratio 318.01 31.38 GIC Housing Finance Ltd.
Gross Profit Margin (TTM) N/A 26.85% N/A
Revenue per Share (TTM) $0 $57 GIC Housing Finance Ltd.
Earnings per Share (Diluted) $-0.29 $25.33 GIC Housing Finance Ltd.
Beta (Stock Volatility) -0.64 0.56 Siel Financial Services Limited

Siel Financial Services Limited vs GIC Housing Finance Ltd. Stock Performance Analysis

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SIELFNS
GICHSGFIN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Siel Financial Services Limited-9.95%-18.46%-37.74%-43.38%-66.25%-68.71%
GIC Housing Finance Ltd.0.44%-0.01%-2.27%-0.86%-10.54%-16.31%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Siel Financial Services Limited123.83%122.74%138.50%7.86%1,983.64%2,628.57%
GIC Housing Finance Ltd.-20.95%-11.96%-0.96%-46.09%29.52%276.76%

Performance & Financial Health Analysis: Siel Financial Services Limited vs GIC Housing Finance Ltd.

MetricSIELFNSGICHSGFIN
Market Information
Market Cap i₹515.94M₹8.35B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i96,112148,128
90 Day Avg. Volume i44,879119,670
Last Close₹16.83₹149.65
52 Week Range₹6.93 - ₹69.13₹130.05 - ₹206.00
% from 52W High-75.65%-27.35%
All-Time High₹90.52 (Sep 02, 2024)₹623.40 (Jun 19, 2017)
% from All-Time High-81.41%-75.99%
Growth Metrics
Quarterly Revenue Growth-0.52%0.10%
Quarterly Earnings GrowthN/A-0.12%
Financial Health
Profit Margin (TTM) i-2.11%0.44%
Operating Margin (TTM) i-1.54%0.56%
Return on Equity (TTM) i0.04%0.08%
Debt to Equity (MRQ) i-1.01451.51
Cash & Liquidity
Book Value per Share (MRQ)₹-5.01₹371.04
Cash per Share (MRQ)₹0.02₹31.23
Operating Cash Flow (TTM) i₹-2,416,260₹-1,068,900,000
Levered Free Cash Flow (TTM) i₹-2,522,490₹1.60B
Dividends
Last 12-Month Dividend Yield iN/A2.20%
Last 12-Month Dividend iN/A₹4.50

Valuation & Enterprise Metrics Analysis: Siel Financial Services Limited vs GIC Housing Finance Ltd.

MetricSIELFNS (Nov 20, 2025)GICHSGFIN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i-202.646.15
Forward P/E iN/A3.90
PEG Ratio i-0.07-0.51
Price to Sales (TTM) i193.642.73
Price to Book (MRQ) i-8.410.42
Market Capitalization
Market Capitalization i₹515.94M₹8.35B
Enterprise Value i₹488.47M₹96.94B
Enterprise Value Metrics
Enterprise to Revenue i318.0131.38
Enterprise to EBITDA i-190.7443.80
Risk & Other Metrics
Beta i-0.640.56
Book Value per Share (MRQ) i₹-5.01₹371.04

Financial Statements Comparison: Siel Financial Services Limited vs GIC Housing Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSIELFNS (2025)GICHSGFIN (2025)
Revenue/Sales i1.98M10.37B
Cost of Goods Sold i2.32M7.56B
COGS % of Revenue i117.0%72.9%
Gross Profit i-335,7902.81B
Gross Margin i-17.0%27.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-2.56M1.90B
Operating Margin i-129.3%18.3%
EBITDA i-2.56M2.21B
EBITDA Margin i-129.3%21.3%
Pre-Tax Income i-2.52M2.07B
Pre-Tax Income % of Revenue i-127.4%19.9%
Income Tax i0462.80M
Income Tax % of Revenue i0.0%4.5%
Net Income (Profit) i-2.52M1.60B
Profit Margin i-127.4%15.5%

Balance Sheet & Liquidity Metrics

MetricSIELFNS (2025)GICHSGFIN (2025)
Cash & Equivalents i268,340537.60M
Total Current Assets i268,3409.39B
Total Current Assets % of Revenue i13.6%90.5%
Total Current Liabilities i21.36M31.52B
Total Current Liabilities % of Revenue i1,079.0%303.9%
Long-Term Debt i36.59M56.44B
Long-Term Debt % of Revenue i1,847.9%544.1%
Total Shareholders Equity i-56.83M19.65B
Retained Earnings i-237.17M278.80M
Retained Earnings % of Revenue i-11,978.1%2.7%
Property, Plant & Equipment iN/A243.10M

Cash Flow Statement Comparison

MetricSIELFNS (2025)GICHSGFIN (2025)
Operating Cash Flow i-2.42M-1.07B
Operating Cash Flow % of Revenue i-122.0%-10.3%
Capital Expenditures iN/A-11.90M
Free Cash Flow i-2.67M-201.80M
FCF Margin i-134.6%-1.9%
Debt Repayment i0-76.31B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSIELFNSGICHSGFIN
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i11.34M53.85M
Float Shares i3.23M35.05M
% Held by Insiders i71.07%6.70%
% Held by Institutions i0.00%48.70%
% Held by Public i28.93%44.60%

Dividend Analysis & Yield Comparison: Siel Financial Services Limited vs GIC Housing Finance Ltd.

MetricSIELFNSGICHSGFIN
Last 12-Month Dividend iN/A₹4.50
Last 12-Month Dividend Yield iN/A2.20%
3-Year Avg Annual Dividend iN/A₹7.50
3-Year Avg Dividend Yield iN/A2.56%
3-Year Total Dividends iN/A₹22.50
Ex-Dividend DateN/AJul 18, 2025