Star Housing Finance [STARHFL] vs GIC Housing Finance [GICHSGFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Star Housing Finance Ltd. wins in 6 metrics, GIC Housing Finance Ltd. wins in 14 metrics, with 0 ties. GIC Housing Finance Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Star Housing Finance Ltd. | GIC Housing Finance Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.42 | 6.15 | GIC Housing Finance Ltd. |
| Price-to-Book Ratio | 0.43 | 0.42 | GIC Housing Finance Ltd. |
| Debt-to-Equity Ratio | 267.35 | 451.51 | Star Housing Finance Ltd. |
| PEG Ratio | -0.12 | -0.51 | Star Housing Finance Ltd. |
| EV/EBITDA | 44.36 | 43.80 | GIC Housing Finance Ltd. |
| Profit Margin (TTM) | 15.74% | 44.13% | GIC Housing Finance Ltd. |
| Operating Margin (TTM) | 6.84% | 55.75% | GIC Housing Finance Ltd. |
| EBITDA Margin (TTM) | 6.84% | 55.75% | GIC Housing Finance Ltd. |
| Return on Equity | 7.71% | 8.16% | GIC Housing Finance Ltd. |
| Return on Assets (TTM) | 2.00% | 1.49% | Star Housing Finance Ltd. |
| Free Cash Flow (TTM) | $-652.52M | $-201.80M | GIC Housing Finance Ltd. |
| Dividend Yield | 0.42% | 2.20% | GIC Housing Finance Ltd. |
| 1-Year Return | -82.12% | -20.95% | GIC Housing Finance Ltd. |
| Price-to-Sales Ratio (TTM) | 1.48 | 2.73 | Star Housing Finance Ltd. |
| Enterprise Value | $4.16B | $96.94B | GIC Housing Finance Ltd. |
| EV/Revenue Ratio | 9.86 | 31.38 | Star Housing Finance Ltd. |
| Gross Profit Margin (TTM) | 25.91% | 26.85% | GIC Housing Finance Ltd. |
| Revenue per Share (TTM) | $5 | $57 | GIC Housing Finance Ltd. |
| Earnings per Share (Diluted) | $0.84 | $25.33 | GIC Housing Finance Ltd. |
| Beta (Stock Volatility) | -0.20 | 0.56 | Star Housing Finance Ltd. |
Star Housing Finance Ltd. vs GIC Housing Finance Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Star Housing Finance Ltd. | -4.29% | -9.28% | -13.56% | 15.91% | -23.72% | -46.99% |
| GIC Housing Finance Ltd. | -0.27% | 0.07% | -1.67% | -0.25% | -9.63% | -15.80% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Star Housing Finance Ltd. | -82.12% | -83.19% | -91.79% | -91.79% | -91.79% | -91.79% |
| GIC Housing Finance Ltd. | -20.95% | -11.96% | -0.96% | -46.09% | 29.52% | 276.76% |
Performance & Financial Health Analysis: Star Housing Finance Ltd. vs GIC Housing Finance Ltd.
| Metric | STARHFL | GICHSGFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹624.60M | ₹8.35B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 160,015 | 148,128 |
| 90 Day Avg. Volume | 223,972 | 119,670 |
| Last Close | ₹7.14 | ₹149.91 |
| 52 Week Range | ₹3.67 - ₹43.00 | ₹130.05 - ₹206.00 |
| % from 52W High | -83.40% | -27.23% |
| All-Time High | ₹226.70 (Oct 24, 2022) | ₹623.40 (Jun 19, 2017) |
| % from All-Time High | -96.85% | -75.95% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | 0.10% |
| Quarterly Earnings Growth | -0.76% | -0.12% |
| Financial Health | ||
| Profit Margin (TTM) | 0.16% | 0.44% |
| Operating Margin (TTM) | 0.07% | 0.56% |
| Return on Equity (TTM) | 0.08% | 0.08% |
| Debt to Equity (MRQ) | 267.35 | 451.51 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹18.59 | ₹371.04 |
| Cash per Share (MRQ) | ₹4.53 | ₹31.23 |
| Operating Cash Flow (TTM) | ₹-323,735,000 | ₹-1,068,900,000 |
| Levered Free Cash Flow (TTM) | ₹110.99M | ₹1.60B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.42% | 2.20% |
| Last 12-Month Dividend | ₹0.10 | ₹4.50 |
Valuation & Enterprise Metrics Analysis: Star Housing Finance Ltd. vs GIC Housing Finance Ltd.
| Metric | STARHFL (Apr 24, 2026) | GICHSGFIN (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.42 | 6.15 |
| Forward P/E | N/A | 3.90 |
| PEG Ratio | -0.12 | -0.51 |
| Price to Sales (TTM) | 1.48 | 2.73 |
| Price to Book (MRQ) | 0.43 | 0.42 |
| Market Capitalization | ||
| Market Capitalization | ₹624.60M | ₹8.35B |
| Enterprise Value | ₹4.16B | ₹96.94B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 9.86 | 31.38 |
| Enterprise to EBITDA | 44.36 | 43.80 |
| Risk & Other Metrics | ||
| Beta | -0.20 | 0.56 |
| Book Value per Share (MRQ) | ₹18.59 | ₹371.04 |
Financial Statements Comparison: Star Housing Finance Ltd. 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
| Metric | STARHFL (2025) | GICHSGFIN (2025) |
|---|---|---|
| Revenue/Sales | 793.31M | 10.37B |
| Cost of Goods Sold | 634.13M | 7.56B |
| COGS % of Revenue | 79.9% | 72.9% |
| Gross Profit | 159.18M | 2.81B |
| Gross Margin | 20.1% | 27.1% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 41.33M | 1.90B |
| Operating Margin | 5.2% | 18.3% |
| EBITDA | 93.88M | 2.21B |
| EBITDA Margin | 11.8% | 21.3% |
| Pre-Tax Income | 141.88M | 2.07B |
| Pre-Tax Income % of Revenue | 17.9% | 19.9% |
| Income Tax | 30.89M | 462.80M |
| Income Tax % of Revenue | 3.9% | 4.5% |
| Net Income (Profit) | 110.99M | 1.60B |
| Profit Margin | 14.0% | 15.5% |
Balance Sheet & Liquidity Metrics
| Metric | STARHFL (2025) | GICHSGFIN (2025) |
|---|---|---|
| Cash & Equivalents | 841.68M | 537.60M |
| Total Current Assets | 1.68B | 9.39B |
| Total Current Assets % of Revenue | 212.0% | 90.5% |
| Total Current Liabilities | 1.05B | 31.52B |
| Total Current Liabilities % of Revenue | 131.9% | 303.9% |
| Long-Term Debt | 3.04B | 56.44B |
| Long-Term Debt % of Revenue | 382.8% | 544.1% |
| Total Shareholders Equity | 1.44B | 19.65B |
| Retained Earnings | 323.22M | 278.80M |
| Retained Earnings % of Revenue | 40.7% | 2.7% |
| Property, Plant & Equipment | 1.97M | 243.10M |
Cash Flow Statement Comparison
| Metric | STARHFL (2025) | GICHSGFIN (2025) |
|---|---|---|
| Operating Cash Flow | -323.74M | -1.07B |
| Operating Cash Flow % of Revenue | -40.8% | -10.3% |
| Capital Expenditures | 539,000 | -11.90M |
| Free Cash Flow | -652.52M | -201.80M |
| FCF Margin | -82.3% | -1.9% |
| Debt Repayment | N/A | -76.31B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | STARHFL | GICHSGFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 78.96M | 53.85M |
| Float Shares | 58.67M | 35.05M |
| % Held by Insiders | 42.81% | 6.70% |
| % Held by Institutions | 0.00% | 48.70% |
| % Held by Public | 57.19% | 44.60% |
Dividend Analysis & Yield Comparison: Star Housing Finance Ltd. vs GIC Housing Finance Ltd.
| Metric | STARHFL | GICHSGFIN |
|---|---|---|
| Last 12-Month Dividend | ₹0.10 | ₹4.50 |
| Last 12-Month Dividend Yield | 0.42% | 2.20% |
| 3-Year Avg Annual Dividend | ₹0.03 | ₹7.50 |
| 3-Year Avg Dividend Yield | 0.42% | 2.56% |
| 3-Year Total Dividends | ₹0.10 | ₹22.50 |
| Ex-Dividend Date | Sep 19, 2025 | Jul 18, 2025 |