GIC Housing Finance financials

·Banking & FinanceChart ›
Latest results Q1 FY27 · Apr–Jun 2026
Total income
₹267cr+0.7% on Q1 FY26
Net interest income
₹91.3cr+2.3% on Q1 FY26
Net profit
₹10.1cr+35.8% on Q1 FY26
EPS
₹1.87+35.5% on Q1 FY26

Quarterly results

Every quarter ›
₹ croreQ1 FY27Q1 FY26Change
Total income267265+0.7%
Net interest income91.389.3+2.3%
Net profit10.17.4+35.8%
EPS₹1.87₹1.38+35.5%

Over time

Q1 FY27 · Apr–Jun 2026latest
Total income₹267 crNet profit₹10.1 crNet interest margin3.2%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
657————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
1,0851,0831,0891,0701,129
—−0.5%+1.8%−5.2%—
378376346332396
—+8.7%+4.2%−16.1%—
3.4%3.4%3.3%3.1%3.5%
42.2%42.2%38.7%38.1%27.9%
0.7%0.7%0.2%0.2%0.2%
157155160151213
—−3.5%+6.0%−29.0%—
₹29.24₹28.75₹29.79₹28.11₹39.60
—−3.5%+6.0%−29.0%—
7.6%7.6%8.5%8.6%12.6%
1.4%1.4%1.5%1.4%1.9%
Balance sheet
10,82810,82810,2129,98510,328
—+6.0%+2.3%−3.3%—
9,0509,0508,7278,5639,143
4.30×4.30×4.44×4.68×5.38×
5.36×5.36×5.48×5.73×6.43×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

GICHSGFIN₹121.95

GIC Housing Finance Limited

· Banking & Finance
₹ CrorePeersSRGHFLREPCOHOMEMcap ₹657 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————656.7
Total Income1,128.91,069.71,088.91,083.31,085.2
Growth %, YoY—-5.2+1.8-0.5—
Net Interest Income396.1332.3346.3376.3378.3
Growth %, YoY—-16.1+4.2+8.7—
NIM %, on assets3.473.113.263.413.41
Cost to Income %27.9138.0738.7042.2142.21
Credit Cost %, on avg loans0.160.180.160.650.65
Net Income213.3151.4160.4154.8157.5
Growth %, YoY—-29.0+6.0-3.5—
EPS, Adj (current shares)39.6028.1129.7928.7529.24
Growth %, YoY—-29.0+6.0-3.5—
ROE %12.558.588.467.617.61
ROA %1.871.421.511.401.40
Balance Sheet
Loans10,328.29,985.410,212.310,828.210,828.2
Growth %, YoY—-3.3+2.3+6.0—
Total Borrowings9,142.78,563.38,727.39,050.59,050.5
Debt/Equity ×5.384.684.444.304.30
Leverage (Assets/Equity) ×6.435.735.485.365.36
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

GIC Housing Finance financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

GIC Housing Finance (NSE: GICHSGFIN) had a market capitalisation of ₹659 crore at the 29 October 2026 close (₹122.43 a share), a PE ratio of 4.2 on the last four quarters' profit and a price-to-book ratio of 0.31. In FY26 its consolidated net profit was ₹155 crore on revenue of ₹1,082 crore; in Q1 FY27 (April–June 2026) it was ₹10.1 crore, up 35.8% year on year. Promoters held 42.41% of the shares on 30 September 2026.

Share price used
₹122.43 · 29 October 2026 close
Latest balance sheet
31 March 2026
Shareholding pattern
30 September 2026

GIC Housing Finance at a glance · consolidated

Market cap
₹659 Crat ₹122.43 · 29 Oct close
PE ratio (last 4 quarters)
4.24.3 on FY26 profit
Price to book (PB)
0.31book value ₹391.16 a share
ROE (FY26)
7.6%
Debt to equity
4.30net debt ₹9,005 Cr
Promoter holding
42.41%unchanged vs 30 Jun 202630 September 2026
Dividend yield
3.68%₹4.50 a share in 12 months
Net worth
₹2,106 Cr+7.2% vs 31 Mar 202531 March 2026
EPS (FY26)
₹28.75

Questions

What is the GIC Housing Finance PE ratio today?

GIC Housing Finance's PE ratio is 4.2 at the 29 October 2026 close (₹122.43 a share): a market capitalisation of ₹659 crore divided by consolidated net profit of ₹157 crore over the last four quarters (Q2 FY26 to Q1 FY27). On FY26 net profit (₹155 crore) it is 4.3.

What is the GIC Housing Finance debt to equity ratio?

GIC Housing Finance's debt-to-equity ratio was 4.30 on 31 March 2026: borrowings, debt securities, deposits and subordinated debt of ₹9,050 crore against total equity of ₹2,106 crore. A year earlier, on 31 March 2025, it was 4.44.

What is the GIC Housing Finance book value per share?

GIC Housing Finance's book value per share was ₹391.16 on 31 March 2026: shareholders' equity of ₹2,106 crore divided by the 5.39 crore shares in issue, up 7.2% from ₹364.87 a year earlier. The share price at the 29 October 2026 close was ₹122.43.

What is the GIC Housing Finance PB ratio (price to book value)?

GIC Housing Finance's price-to-book (PB) ratio is 0.31 at the 29 October 2026 close: a market capitalisation of ₹659 crore divided by shareholders' equity (book value) of ₹2,106 crore on 31 March 2026. That is a book value of ₹391.16 per share against a share price of ₹122.43.

What is the GIC Housing Finance dividend yield?

GIC Housing Finance's dividend yield is 3.68% at the 29 October 2026 close: dividends of ₹4.50 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹122.43. They were ₹4.50 on 25 June 2026.

What is the GIC Housing Finance shareholding pattern?

On 30 September 2026, GIC Housing Finance's shares were held by promoters 42.41%, foreign portfolio investors (FII/FPI) 0.93%, domestic institutions (DII) 2.44% and retail and other non-institutional investors 54.22%. Over the year, FII holding was down 1.22 percentage points from 2.15% and DII holding was down 3.08 percentage points from 5.52%.

What is the GIC Housing Finance market cap?

GIC Housing Finance's market capitalisation was ₹659 crore at the 29 October 2026 close: 5.39 crore shares at ₹122.43 each.

What is the GIC Housing Finance ROE?

In FY26, GIC Housing Finance's return on equity (ROE) was 7.6%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the GIC Housing Finance EPS?

GIC Housing Finance's basic earnings per share (EPS) were ₹28.75 in FY26, against ₹29.79 in FY25. Over the last four quarters (Q2 FY26 to Q1 FY27) they add up to ₹29.24.

What is the GIC Housing Finance net worth?

GIC Housing Finance's net worth — shareholders' equity in its consolidated balance sheet — was ₹2,106 crore on 31 March 2026, up 7.2% from ₹1,965 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹659 crore at the 29 October 2026 close.

What is the GIC Housing Finance dividend in 2026 and its record date?

In 2026, GIC Housing Finance has declared one dividend: ₹4.50 with record date 26 June 2026 and ex-date 25 June 2026.

What is the GIC Housing Finance promoter holding?

Promoters held 42.41% of GIC Housing Finance on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

What are the GIC Housing Finance latest quarterly results?

GIC Housing Finance's latest results are for Q1 FY27 (April–June 2026), filed on 12 August 2026: consolidated net profit ₹10.1 crore, up 35.8% from ₹7.4 crore in Q1 FY26; revenue from operations ₹267 crore, up 0.5% year on year.

What is the GIC Housing Finance revenue and profit in FY26?

In FY26 (April 2025–March 2026), GIC Housing Finance's consolidated net profit was ₹155 crore, down 3.5% from ₹160 crore in FY25, on revenue from operations of ₹1,082 crore (up 0.3%). Over three years, from FY23, net profit was down 27.4%.

How does GIC Housing Finance compare with its peers?

On FY26 consolidated figures, against SRG Housing Finance and Repco Home Finance: GIC Housing Finance's return on equity of 7.6% is the lowest of the three (SRG Housing Finance 11.6%, Repco Home Finance 12.7%; peer average 12.2%).

When are the GIC Housing Finance next results?

GIC Housing Finance will announce its Q2 FY27 results (July–September 2026) on Thursday, 12 November 2026, the date of the board meeting it has notified to the exchanges.

How does the GIC Housing Finance PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit, GIC Housing Finance's PE ratio is 4.3, the second highest of the three: SRG Housing Finance 4.8 and Repco Home Finance 4.1, a peer average of 4.5. Each is the company's market capitalisation at that price divided by its FY26 net profit.

GIC Housing Finance vs SRG Housing Finance: how do they compare?

In FY26, GIC Housing Finance earned net profit of ₹155 crore on revenue of ₹1,082 crore, against ₹32.5 crore on ₹199 crore for SRG Housing Finance. At the 29 October 2026 close, GIC Housing Finance's market capitalisation was ₹659 crore against ₹155 crore for SRG Housing Finance, and its PE ratio on FY26 profit 4.3 against 4.8.

Where do these GIC Housing Finance figures come from?

From GIC Housing Finance's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.