GIC Housing Finance [GICHSGFIN] vs Pacheli Industrial [PIFL] Detailed Stock Comparison

GIC Housing Finance Ltd.

NSE
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Pacheli Industrial Finance Ltd.

BSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: GIC Housing Finance Ltd. wins in 12 metrics, Pacheli Industrial Finance Ltd. wins in 6 metrics, with 0 ties. GIC Housing Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric GIC Housing Finance Ltd. Pacheli Industrial Finance Ltd. Better
P/E Ratio (TTM) 6.15 75.41 GIC Housing Finance Ltd.
Price-to-Book Ratio 0.42 2.41 GIC Housing Finance Ltd.
Debt-to-Equity Ratio 451.51 312.01 Pacheli Industrial Finance Ltd.
PEG Ratio -0.51 -0.75 GIC Housing Finance Ltd.
EV/EBITDA 43.80 -493.89 GIC Housing Finance Ltd.
Profit Margin (TTM) 44.13% 80.65% Pacheli Industrial Finance Ltd.
Operating Margin (TTM) 55.75% -154.66% GIC Housing Finance Ltd.
EBITDA Margin (TTM) 55.75% N/A N/A
Return on Equity 8.16% -0.59% GIC Housing Finance Ltd.
Return on Assets (TTM) 1.49% -0.14% GIC Housing Finance Ltd.
Free Cash Flow (TTM) $-201.80M $-53.36M Pacheli Industrial Finance Ltd.
Dividend Yield 2.20% N/A N/A
1-Year Return -20.95% 1.55% Pacheli Industrial Finance Ltd.
Price-to-Sales Ratio (TTM) 2.73 25,852.46 GIC Housing Finance Ltd.
Enterprise Value $96.94B $13.81B GIC Housing Finance Ltd.
EV/Revenue Ratio 31.38 17,441.26 GIC Housing Finance Ltd.
Gross Profit Margin (TTM) 26.85% 82.51% Pacheli Industrial Finance Ltd.
Revenue per Share (TTM) $57 $0 GIC Housing Finance Ltd.
Earnings per Share (Diluted) $25.33 $-0.11 GIC Housing Finance Ltd.
Beta (Stock Volatility) 0.56 0.06 Pacheli Industrial Finance Ltd.

GIC Housing Finance Ltd. vs Pacheli Industrial Finance Ltd. Stock Performance Analysis

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GICHSGFIN
PIFL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
GIC Housing Finance Ltd.-0.27%0.23%-1.40%-1.02%-10.67%-15.56%
Pacheli Industrial Finance Ltd.-0.04%-5.59%-19.95%-21.72%-47.64%-36.49%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
GIC Housing Finance Ltd.-20.95%-11.96%-0.96%-46.09%29.52%276.76%
Pacheli Industrial Finance Ltd.1.55%178.26%656.36%277.61%162.74%162.74%

Performance & Financial Health Analysis: GIC Housing Finance Ltd. vs Pacheli Industrial Finance Ltd.

MetricGICHSGFINPIFL
Market Information
Market Cap i₹8.35B₹27.16B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i148,1288,195
90 Day Avg. Volume i119,67020,111
Last Close₹149.91₹24.51
52 Week Range₹130.05 - ₹206.00₹18.55 - ₹66.29
% from 52W High-27.23%-63.03%
All-Time High₹623.40 (Jun 19, 2017)₹78.19 (Jan 13, 2025)
% from All-Time High-75.95%-68.65%
Growth Metrics
Quarterly Revenue Growth0.10%0.01%
Quarterly Earnings Growth-0.12%0.01%
Financial Health
Profit Margin (TTM) i0.44%0.81%
Operating Margin (TTM) i0.56%-1.55%
Return on Equity (TTM) i0.08%-0.01%
Debt to Equity (MRQ) i451.51312.01
Cash & Liquidity
Book Value per Share (MRQ)₹371.04₹16.37
Cash per Share (MRQ)₹31.23₹59.66
Operating Cash Flow (TTM) i₹-1,068,900,000₹-53,283,000
Levered Free Cash Flow (TTM) i₹1.60B₹-50,061,000
Dividends
Last 12-Month Dividend Yield i2.20%N/A
Last 12-Month Dividend i₹4.50N/A

Valuation & Enterprise Metrics Analysis: GIC Housing Finance Ltd. vs Pacheli Industrial Finance Ltd.

MetricGICHSGFIN (Apr 24, 2026)PIFL (Nov 24, 2025)
Price Ratios
P/E Ratio (TTM) i6.1575.41
Forward P/E i3.90N/A
PEG Ratio i-0.51-0.75
Price to Sales (TTM) i2.7325,852.46
Price to Book (MRQ) i0.422.41
Market Capitalization
Market Capitalization i₹8.35B₹27.16B
Enterprise Value i₹96.94B₹13.81B
Enterprise Value Metrics
Enterprise to Revenue i31.3817,441.26
Enterprise to EBITDA i43.80-493.89
Risk & Other Metrics
Beta i0.560.06
Book Value per Share (MRQ) i₹371.04₹16.37

Financial Statements Comparison: GIC Housing Finance Ltd. vs Pacheli Industrial Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricGICHSGFIN (2025)PIFL (2025)
Revenue/Sales i10.37B765,000
Cost of Goods Sold i7.56B148,000
COGS % of Revenue i72.9%19.3%
Gross Profit i2.81B617,000
Gross Margin i27.1%80.7%
Research & Development iN/AN/A
Operating Income (EBIT) i1.90B-27.97M
Operating Margin i18.3%-3,656.6%
EBITDA i2.21B-27.97M
EBITDA Margin i21.3%-3,656.1%
Pre-Tax Income i2.07B-50.06M
Pre-Tax Income % of Revenue i19.9%-6,543.9%
Income Tax i462.80M0
Income Tax % of Revenue i4.5%0.0%
Net Income (Profit) i1.60B-50.06M
Profit Margin i15.5%-6,543.9%

Balance Sheet & Liquidity Metrics

MetricGICHSGFIN (2025)PIFL (2025)
Cash & Equivalents i537.60M267,000
Total Current Assets i9.39B30.96B
Total Current Assets % of Revenue i90.5%4,046,681.3%
Total Current Liabilities i31.52B26.50B
Total Current Liabilities % of Revenue i303.9%3,464,161.7%
Long-Term Debt i56.44B26.50B
Long-Term Debt % of Revenue i544.1%3,464,052.3%
Total Shareholders Equity i19.65B8.49B
Retained Earnings i278.80M-43.86M
Retained Earnings % of Revenue i2.7%-5,733.6%
Property, Plant & Equipment i243.10MN/A

Cash Flow Statement Comparison

MetricGICHSGFIN (2025)PIFL (2025)
Operating Cash Flow i-1.07B-53.28M
Operating Cash Flow % of Revenue i-10.3%-6,965.1%
Capital Expenditures i-11.90M0
Free Cash Flow i-201.80M-53.36M
FCF Margin i-1.9%-6,974.9%
Debt Repayment i-76.31BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricGICHSGFINPIFL
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i53.85M518.88M
Float Shares i35.05M78.27M
% Held by Insiders i6.70%99.29%
% Held by Institutions i48.70%0.00%
% Held by Public i44.60%0.71%

Dividend Analysis & Yield Comparison: GIC Housing Finance Ltd. vs Pacheli Industrial Finance Ltd.

MetricGICHSGFINPIFL
Last 12-Month Dividend i₹4.50N/A
Last 12-Month Dividend Yield i2.20%N/A
3-Year Avg Annual Dividend i₹7.50N/A
3-Year Avg Dividend Yield i2.56%N/A
3-Year Total Dividends i₹22.50N/A
Ex-Dividend DateJul 18, 2025N/A