Arthneeti

GIC Housing Finance Q3 FY26 Share Price & Earnings Call Analysis

₹121.82-0.65% today
Market cap
₹656 Cr
P/E
4.17
ROE
7.59%
PEG
-0.43
Price to sales
0.61
Debt to equity
4.33
52W high / low
₹180 / ₹121
Sales growth (5Y)
-2.55%
EBITDA margin
82.54%
Net profit margin
14.27%
Promoter holding
42.41%
Sales (last year)
₹1,084 Cr

Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of GIC Housing Fin

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of GIC Housing Fin

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +281268268261260274264269272265272273273
Interest178183179176172174177179174173173173168
Expenses +284247411053373230110354239
Financing Profit754342447747505968-18645865
Financing Margin %27%16%16%17%30%17%19%22%25%-7%23%21%24%
Other Income +63326321-90001
Depreciation3444444443333
Profit before tax784241427947485655-20615563
Tax %33%24%26%16%32%17%23%12%37%-136%18%20%15%
Net Profit +5232303654393650357504454
EPS in Rs9.715.915.606.619.957.236.779.226.521.369.288.109.95
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%

Financials of GIC Housing Fin

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +7338761,0021,1121,2281,2521,2321,1521,1231,0601,0791,082
Interest509601668713866946823702703711703687
Expenses +6784106124114191277216126140151226
Financing Profit157192228275248116131234294209225169
Financing Margin %21%22%23%25%20%9%11%20%26%20%21%16%
Other Income +00000385610-31
Depreciation4111164910151511
Profit before tax154191227274247112135230290204206159
Tax %33%35%35%25%30%59%22%25%26%26%22%3%
Net Profit +10312414820617246106174213151160154
EPS in Rs19.1223.1227.4338.1931.908.4719.6032.2339.5928.0729.7428.69
Dividend Payout %26%22%18%14%17%24%20%14%11%16%15%0%

Financials of GIC Housing Fin

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital545454545454545454545454
Reserves6066787841,0641,2001,2091,3041,4571,6451,7751,9112,052
Borrowing5,7947,0018,2379,98411,65911,76811,22610,3659,1688,5848,7519,119
Other Liabilities +266289329445768575353576074
Total Liabilities6,7218,0219,40411,14712,96913,09912,64111,92910,92010,47010,77511,298
Fixed Assets +3222319162152442785
CWIP00000132929910110
Investments1010261314141415230169255211
Other Assets +6,7088,0099,37611,13212,95313,05312,58111,86410,62910,24810,48211,002
Total Assets6,7218,0219,40411,14712,96913,09912,64111,92910,92010,47010,77511,298

Financials of GIC Housing Fin

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,103-1,167-1,178-1,721-1,645225481,2861,044522-18-320
Cash from Investing Activity +12-1621-11-14-4-21364-8752
Cash from Financing Activity +1,1051,1741,2031,7151,63951-558-892-1,238-619122255
Net Cash Flow3910-5-562-24390-407-3418-14
Free Cash Flow-1,104-1,167-1,179-1,722-1,64785321,2811,038518-20-325
CFO/OP-158%-140%-123%-170%-140%5%63%145%111%61%3%-33%

Financials of GIC Housing Fin

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16%18%19%21%14%4%8%12%13%9%9%8%
11out of 100

Momentum score · price trend

11 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−29.7%23%
Last 6 months−19.6%21%
Last 3 months−17.2%26%

The price is 79.9% below its all-time high of ₹608.75 (16 Jun 2017). Stocks more than 20% below their peak have their score halved, so 23 became 11.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For GIC Housing Fin: 0.4 × 23 + 0.4 × 21 + 0.2 × 26 = 23, halved to 11 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 2 Nov 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What GIC Housing Fin's management said in earlier quarters

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