GIC Housing Finance LimitedGICHSGFINBank / NBFC

Finance - Housing Latest results: Jun 2026 14 quarters of data

₹131.82

MCap ₹710 Cr · P/E 4.5

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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹267 Cr

Interest Earned · Jun 2026

+0.7% YoY

₹18 Cr

Operating Profit · Jun 2026

₹10 Cr

Net Profit · Jun 2026

+44.0% YoY

₹1.87

EPS · Jun 2026

+35.5% YoY

—

Gross NPA % · Jun 2026

—

Net NPA % · Jun 2026

📝 GIC Housing Finance Limited — results explained

Quarter ended June 2026 (Q1 FY27)

GIC Housing Finance Limited reported total income of ₹267 crore for the quarter ended June 2026 (Q1 FY27), up 0.9% from ₹265 crore in the same quarter last year, and down 2.4% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹267 crore and other income ₹1 crore. Net interest income (interest earned minus interest expended of ₹173 crore) worked out to ₹94 crore.

Net profit rose 44.0% year-on-year to ₹10 crore, from ₹7 crore. Earnings per share (EPS) came in at ₹1.87.

Full year and trailing twelve months

For the full year FY26, GIC Housing Finance Limited posted total income of ₹1,084 crore, a growth of 0.7% over FY25, with a net profit of ₹155 crore (down 3.7% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹1,086 crore with a net profit of ₹158 crore.

Valuation snapshot

At the current price of ₹131.82, GICHSGFIN has a market capitalisation of ₹710 crore and a trailing P/E of about 4.5.

Within the Finance - Housing industry, it is the 5th-largest of the 8 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 42.41%, foreign institutional investors (FIIs) 0.93%, domestic institutional investors (DIIs) 2.44%, public shareholders 54.22% of GIC Housing Finance Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹710 Cr

Current Price ?

₹131.8

P/E ?

4.49below ind

Industry P/E ?

6.90

P/B ?

0.34

P/S ?

0.65

P/FCF ?

-2.18

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

N/A

Earnings Yield ?

22.3%

Dividend Yield ?

3.38%

Profitability & Returns

Total Income (TTM) ?

₹1,086 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹158 Cr

EPS (TTM) ?

₹29.36

ROCE ?

N/A

ROE ?

7.5%

ROA ?

1.4%

Gross NPA % ?

N/A

Net NPA % ?

N/A

Growth

Total Income — latest qtr ?

₹267 Cr

PAT — latest qtr ?

₹10 Cr

YoY qtr sales growth ?

0.9%

YoY qtr profit growth ?

44.0%

Sales growth (3y) ?

-1%

Sales growth (5y) ?

N/A

Profit growth (3y) ?

-10%

Profit growth (5y) ?

N/A

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

42.41%

Change in promoter holding ?

0.00%

Pledged percentage ?

N/A

Market

Return 3 months ?

-13.0%

Return 6 months ?

-14.1%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	YoY %	QoQ %
Interest Earned	281	268	268	261	260	274	264	269	272	265	272	273	273	267	+0.7%	-2.3%
Other Income	6	3	3	2	6	3	2	1	-9	0	0	0	1	1	—	-39.0%
Total Income	287	271	271	263	266	277	266	270	263	265	272	273	274	267	+0.9%	-2.4%
Interest Expended	178	183	179	176	172	174	177	179	174	173	173	173	168	173	-0.0%	+3.0%
Operating Profit	—	—	—	—	—	—	—	—	—	—	—	—	—	18	—	—
Provisions	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	78	42	41	42	79	47	48	56	56	-20	61	55	63	18	+188.7%	-71.8%
Net Profit	52	32	30	36	54	39	37	50	35	7	50	44	54	10	+44.0%	-81.3%
EPS	9.72	5.91	5.61	6.62	9.97	7.24	6.78	9.23	6.54	1.38	9.29	8.11	9.97	1.87	+35.5%	-81.2%
Gross NPA %	4.68%	4.69%	4.59%	4.59%	3.88%	3.98%	3.78%	3.47%	3.03%	—	4.52%	4.24%	3.96%	—	—	—
Net NPA %	3.29%	3.25%	3.08%	3.01%	2.69%	2.56%	2.43%	2.22%	1.96%	—	1.99%	1.80%	1.61%	—	—	—
Capital Adequacy Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹1,079 Cr	₹1,083 Cr	₹1,085 Cr	+0.4%
Other Income	₹-3 Cr	₹1 Cr	₹2 Cr	+133.3%
Total Income	₹1,076 Cr	₹1,084 Cr	₹1,086 Cr	+0.7%
Interest Expended	₹704 Cr	₹687 Cr	₹687 Cr	-2.4%
Net Interest Income	₹375 Cr	₹396 Cr	₹398 Cr	+5.6%
Operating Profit	—	—	₹18 Cr	—
Provisions	—	—	—	—
Profit Before Tax	₹207 Cr	₹159 Cr	₹197 Cr	-23.2%
Tax	—	—	₹8 Cr	—
Net Profit	₹161 Cr	₹155 Cr	₹158 Cr	-3.7%
EPS	₹29.79	₹28.75	₹29.24	-3.5%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	54	54	54	54	+0.0%
Reserves	1,645	1,775	1,911	2,053	+7.4%
Borrowing	9,168	8,584	8,751	9,119	+4.2%
Other Liabilities	53	57	60	74	+23.3%
Total Liabilities	10,920	10,471	10,775	11,299	+4.9%
Fixed Assets	52	44	27	85	+214.8%
CWIP	9	10	11	0	-100.0%
Investments	229	168	254	210	-17.3%
Other Assets	10,630	10,248	10,483	11,004	+5.0%
Total Assets	10,920	10,471	10,775	11,299	+4.9%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	1,043	522	-18	-320	-1677.8%
Cash from Investing Activity	-213	64	-87	52	+159.8%
Cash from Financing Activity	-1,238	-619	122	255	+109.0%
Net Cash Flow	-408	-34	18	-14	-177.8%
Free Cash Flow	1,037	518	-20	-325	-1525.0%
CFO/OP	111%	61%	3%	-33%	-1200.0%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	13%	8%	9%	8%	-11.1%

👥 Shareholding (latest 5 periods)

Metric	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Sep 2026	% Chg
Promoters	42.41%	42.41%	42.41%	42.41%	42.41%	+0.0%
FIIs	2.67%	2.16%	2.08%	1.81%	0.93%	-48.6%
DIIs	5.51%	5.51%	5.05%	4.59%	2.44%	-46.8%
Public	49.39%	49.92%	50.46%	51.18%	54.22%	+5.9%
No. of Shareholders	65,375	64,226	62,585	61,368	60,546	-1.3%

⚖️ Peer comparison

Industry: Finance - Housing · 8 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	HOMEFIRST Home First	₹1,238.10	12,946	22.2	2,006	581	10.4%	29.0%	24.8%	41.4%	18.4%	34.3%
2	AAVAS Aavas Financiers	₹1,271.50	10,082	14.7	2,765	687	8.0%	24.9%	13.9%	14.1%	12.9%	23.2%
3	INDIASHLTR India Shelter	₹676.40	7,384	14.6	1,528	503	0.0%	32.9%	29.9%	33.1%	24.8%	27.8%
4	REPCOHOME Repco Home	₹331.95	2,077	4.3	1,822	482	8.1%	26.4%	4.3%	2.8%	6.3%	5.8%
5	GICHSGFIN GIC Housing	₹134.92	727	4.6	1,086	158	1.6%	14.6%	0.7%	-3.7%	0.9%	44.0%
6	SRGHFL SRG Housing	₹117.35	184	5.4	211	34	4.7%	16.2%	29.2%	33.2%	26.6%	24.9%
7	CORALFINAC Coral India	₹32.40	131	9.1	15	14	77.5%	99.0%	-27.2%	-15.5%	-18.8%	-8.3%
8	RHFL Reliance Home	₹1.59	78	4.5	0	24	-1463.6%	10986.4%	-64.5%	782.8%	-100.0%	89.8%

❓ Frequently asked questions

What was GIC Housing Finance Limited's total income in Q1 FY27?

What was GIC Housing Finance Limited's net profit in Q1 FY27?