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GIC Housing Finance LtdHousing Finance CompanyINE289B01019Consolidated₹139.35+3.38 (+2.49%)Jun-26

Valuation

Market Cap₹750.41 Cr

TTM PE4.77x

Forward PE5.24x

PEG2.81

Book Value₹391.16

P/B0.36x

TTM EPS₹29.24

Fwd EPS₹26.60

TTM Revenue₹1.08K Cr

TTM PAT₹157.48 Cr

Last Qtr PAT₹10.08 Cr

Profitability

ROE7.48%

ROCE7.92%

TTM NPM14.53%

Curr OPM3.77%

Last OPM19.63%

Curr NPM—

Last NPM—

Curr EPS₹1.87

Last EPS₹9.97

Balance sheet

Equity₹53.88 Cr

Reserve₹2.05K Cr

Total Debt₹9,050.48 Cr

D/E4.30x

Interest %1716.07%

Curr Interest₹172.98 Cr

Price / range

Close₹139.35

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+2.49%

1W+1.83%

1M+0.86%

3M-14.18%

6M-5.94%

1Y-20.96%

2Y-43.92%

3Y-31.32%

5Y-8.29%

Diwali-21.69%

Sector peers — Housing Finance Company

Company	Close	Mkt Cap	TTM P/E	ROE
BAJAJHFL	85.58	₹71.31K Cr	35.22	11.95%
LICHSGFIN	548.15	₹30.15K Cr	5.25	13.85%
PNBHOUSING	1133.10	₹29.53K Cr	12.75	12.05%
AADHARHFC	461.65	₹20.19K Cr	17.57	15.13%
SAMMAANCAP	143.92	₹16.76K Cr	-1.61	-38.10%
HOMEFIRST	1241.30	₹12.97K Cr	22.19	13.34%
APTUS	237.68	₹11.90K Cr	12.07	19.46%
CANFINHOME	778.50	₹10.37K Cr	8.47	83.52%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	266.74+0.5%	272.70	272.63	271.54	265.36	1,082.23
Other Income	0.58	0.74	0.01	0.17	0.07	0.99
Total Income	267.32+0.7%	273.44	272.64	271.71	265.43	1,083.22
Interest	172.98	168.35	172.94	172.58	173.12	686.99
Expenditure	-249.63+12.7%	-210.17	-217.89	-210.56	-285.83	-924.45
PBDT	0	0	0	0	0	0
Depreciation	-3.79	-2.78	-2.83	-2.81	-2.54	-10.96
PBT	17.69+186.7%	63.27	54.75	61.15	-20.40	158.77
Tax	-7.65	-9.69	-11.14	-11.20	27.75	-4.28
Equity	53.85	53.85	53.85	53.85	53.85	53.85
OPM	6.62	23.14	20.08	22.51	-7.69	14.66
Net Profit	10.04+36.6%	53.58	43.61	49.95	7.35	154.49
NPM	3.76	19.59	16.00	18.38	2.77	14.26
EPS	1.86+36.8%	9.95	8.10	9.28	1.36	28.69

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 18-19	FY 17-18	FY 16-17	FY 15-16
Revenue	1,082.23+0.3%	1,078.91	1,224.78+8.7%	1,126.37+12.4%	1,001.74+14.3%	876.37
Other Income	0.99	9.97	2.88	2.03	0	0
Total Income	1,083.22-0.5%	1,088.88	1,227.66+8.8%	1,128.40+12.6%	1,001.74+14.3%	876.37
Expenditure	-924.45-6.3%	-869.45	-980.60-14.6%	-855.93-10.6%	-773.94-823.7%	-83.79
Interest	-686.99	-702.96	865.28	-712.76	0	-600.65
PBDT	0	0	0	272.47	227.10	191.93
Depreciation	-10.96	-15.01	-3.22	-0.64	0	-0.82
PBT	158.77-23.1%	206.37	247.06-9.1%	271.83+19.7%	227.10+18.8%	191.11
Tax	-4.28	-46.20	75.25	-87.40	-79.37	-66.61
Equity	53.85	53.85	0	53.85	53.85	53.85
OPM (%)	14.66	18.95	20.12	24.19	22.67	90.44
Net Profit	154.49-3.5%	160.17	171.81-6.8%	184.43+24.8%	147.73+18.7%	124.50
NPM (%)	14.26	14.71	13.99	16.37	14.75	14.21
EPS (Rs)	28.69-3.5%	29.74	31.19-8.9%	34.25	0-100.0%	23.12
CEPS	28.69	29.74	9.47	34.37	27.43	23.27

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	266.76+0.5%	272.70	272.63	271.54	265.36	1,082.23
Other Income	0.61	0.77	0.02	0.19	0.08	1.06
Total Income	267.37+0.7%	273.47	272.65	271.73	265.44	1,083.29
Interest	172.98	168.35	172.94	172.58	173.12	686.99
Expenditure	-249.63+12.6%	-210.07	-217.79	-210.47	-285.75	-924.08
PBDT	0	0	0	0	0	0
Depreciation	-3.80	-2.79	-2.84	-2.81	-2.54	-10.98
PBT	17.74+187.3%	63.40	54.86	61.26	-20.31	159.21
Tax	-7.66	-9.72	-11.17	-11.23	27.73	-4.39
Equity	53.85	53.85	53.85	53.85	53.85	53.85
OPM	6.64	23.18	20.12	22.54	-7.65	14.70
Net Profit	10.08+35.8%	53.68	43.69	50.03	7.42	154.82
NPM	3.77	19.63	16.02	18.41	2.80	14.29
EPS	1.87+35.5%	9.97	8.11	9.29	1.38	28.75

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	1,082.23+0.3%	1,078.91
Other Income	1.06	10.03
Total Income	1,083.29-0.5%	1,088.94
Expenditure	-924.08-6.3%	-869.18
Interest	-686.99	-702.96
PBDT	0	0
Depreciation	-10.98	-15.01
PBT	159.21-23.0%	206.70
Tax	-4.39	-46.28
Equity	53.85	53.85
OPM (%)	14.70	18.98
Net Profit	154.82-3.5%	160.42
NPM (%)	14.29	14.73
EPS (Rs)	28.75-3.5%	29.79
CEPS	28.75	29.79

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2026	Final Dividend	4.5	25 Jun 2026
2025	Final Dividend	4.5	18 Jul 2025
2024	Final Dividend	4.5	28 Jun 2024
2023	Final Dividend	4.5	25 Aug 2023
2022	Final Dividend	4.5	01 Sep 2022
2021	Final Dividend	4	16 Sep 2021
2020	Final Dividend	2	03 Dec 2020
2019	Final Dividend	5.5	12 Sep 2019
2018	Final Dividend	5.5	20 Jul 2018
2017	Final Dividend	5	14 Jul 2017
2016	Final Dividend	5	14 Jul 2016
2015	Final Dividend	5	09 Jul 2015
2014	Final Dividend	5	02 Sep 2014
2014	Special Dividend	1	02 Sep 2014
2013	Final Dividend	5	18 Jul 2013
2012	Final Dividend	4.5	04 Jul 2012
2011	Final Dividend	4.5	14 Jul 2011
2011	Special Dividend	1	14 Jul 2011
2010	Final Dividend	4.5	15 Jul 2010
2009	Final Dividend	4	16 Jul 2009
2008	Final Dividend	4	16 Jul 2008

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split