GICHSGFIN

GIC Housing Finance Limited

Housing finance company providing loans for residential houses

Financial Services›Financial Services›Finance›Housing Finance Company

gichfindia.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹131.82
Market cap
711 Cr
Stock P/E
4.5
P/B
0.34
Dividend yield
3.4%
ROE (FY26)
7.3%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

GIC Housing Finance gives home loans and earns the interest on them.

Company snapshot

12thBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income83 Cr83 Cr84 Cr84 Cr83 Cr87 Cr93 Cr89 Cr92 Cr94 Cr101 Cr91 Cr
Other income3 Cr2 Cr6 Cr3 Cr2 Cr0.96 Cr4 Cr0.08 Cr0.19 Cr0.02 Cr0.77 Cr0.61 Cr
Net operating income86 Cr85 Cr89 Cr87 Cr84 Cr88 Cr98 Cr89 Cr92 Cr94 Cr101 Cr92 Cr
Employee cost14 Cr17 Cr16 Cr16 Cr18 Cr18 Cr22 Cr20 Cr22 Cr23 Cr25 Cr23 Cr
Other expenses16 Cr11 Cr16 Cr13 Cr18 Cr15 Cr15 Cr12 Cr14 Cr21 Cr18 Cr17 Cr
Provisions & contingencies————————————
Depreciation4 Cr4 Cr4 Cr4 Cr4 Cr4 Cr4 Cr3 Cr3 Cr3 Cr3 Cr4 Cr
Profit before tax41 Cr42 Cr79 Cr47 Cr48 Cr56 Cr56 Cr-20 Cr61 Cr55 Cr63 Cr18 Cr
Tax %25.7%15.8%32.2%16.9%23.4%12.0%36.7%136.5%18.3%20.4%15.3%43.2%
Net profit30 Cr36 Cr54 Cr39 Cr37 Cr50 Cr35 Cr7 Cr50 Cr44 Cr54 Cr10 Cr
EPS (₹)₹5.61₹6.62₹9.97₹7.24₹6.78₹9.23₹6.54₹1.38₹9.29₹8.11₹9.97₹1.87

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income434 Cr396 Cr332 Cr346 Cr376 CrSign in free for the trailing twelve months
Other income7 Cr14 Cr13 Cr10 Cr1 CrSign in free for the trailing twelve months
Net operating income441 Cr410 Cr345 Cr356 Cr377 CrSign in free for the trailing twelve months
Employee cost48 Cr60 Cr64 Cr74 Cr90 CrSign in free for the trailing twelve months
Other expenses49 Cr49 Cr58 Cr60 Cr66 CrSign in free for the trailing twelve months
Provisions & contingencies—————Sign in free for the trailing twelve months
Depreciation9 Cr10 Cr15 Cr15 Cr11 CrSign in free for the trailing twelve months
Profit before tax230 Cr290 Cr204 Cr207 Cr159 CrSign in free for the trailing twelve months
Tax %24.7%26.4%25.9%22.4%2.8%Sign in free for the trailing twelve months
Net profit174 Cr213 Cr151 Cr160 Cr155 CrSign in free for the trailing twelve months
EPS (₹)₹32.22₹39.60₹28.11₹29.79₹28.75Sign in free for the trailing twelve months
Dividend payout %12.4%0.0%16.0%15.1%15.7%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital54 Cr54 Cr54 Cr54 Cr54 Cr
Reserves1,457 Cr1,645 Cr1,775 Cr1,911 Cr2,053 Cr
Borrowings10,347 Cr9,143 Cr8,563 Cr8,727 Cr9,050 Cr
Other liabilities71 Cr78 Cr78 Cr83 Cr142 Cr
Total liabilities11,929 Cr10,920 Cr10,471 Cr10,775 Cr11,299 Cr
Fixed assets (net)2 Cr3 Cr3 Cr3 Cr3 Cr
CWIP0 Cr0 Cr0 Cr0 Cr0 Cr
Investments14 Cr229 Cr168 Cr254 Cr210 Cr
Loans & advances11,205 Cr10,328 Cr9,985 Cr10,212 Cr10,828 Cr
Trade receivables0.22 Cr0.26 Cr0.38 Cr0.23 Cr0.54 Cr
Cash & bank478 Cr70 Cr36 Cr54 Cr40 Cr
Other assets230 Cr290 Cr277 Cr252 Cr217 Cr
Total assets11,929 Cr10,920 Cr10,471 Cr10,775 Cr11,299 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity1,286 Cr290 Cr522 Cr-18 Cr-320 Cr
Cash from investing-3 Cr0 Cr64 Cr-87 Cr52 Cr
Cash from financing-892 Cr0 Cr-619 Cr122 Cr255 Cr
Net cash flow391 Cr290 Cr-34 Cr18 Cr-14 Cr
Free cash flow (OCF − Capex)1,281 Cr290 Cr518 Cr-20 Cr-325 Cr

Ratios

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11.5%12.5%8.3%8.2%7.3%
Debt / equity6.855.384.684.444.30