Avsar.
GI

Financial Services · Housing Finance Company

GIC Housing Finance Ltd (GICHSGFIN)

₹132.32

Mkt cap
₹750 Cr
P/E ratio
4.77
P/B
0.34
Div yield
3.23%
ROE
7.59%
ROCE
7.71%
EPS (TTM)
₹27.74
Book value
₹391
52W range
130–184
Sector
Financial Services

Price history

Previous close

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

NSE GICHSGFINBSE 511676
Health check
Cautious
ValuationCheap
ProfitabilityWeak
TechnicalsBearish
52-week range
−28.09% from high
₹132
₹130+1.75% from low₹184
Current
₹132.32
Prev close
₹132.88
Day
−0.42%
Price performance
1D
−0.59%
1W
−3.80%
1M
−9.41%
3M
−13.36%
6M
−5.18%
1Y
−25.79%
YTD
−26.46%

Financials

Revenue, profit & margin
P/E ratio
4.8×
GICHSGFIN is 62% below the sector median of 12.6×
GICHSGFIN4.8×
Sector median12.6×
 Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Trend
Revenue268268261260274264269272265272273273267
Interest183179176172174177179174173173173168173
Expenses424741105337323011035423973
Financing Profit4342447747505968-1864586521
Financing Margin %16%16%17%30%17%19%22%25%-7%23%21%24%8%
Other Income3326321-900011
Depreciation4444444433334
Profit before tax4241427947485655-2061556318
Tax %24%26%16%32%17%23%12%37%-136%18%20%15%43%
Net Profit3230365439365035750445410
EPS in Rs5.915.606.619.957.236.779.226.521.369.288.109.951.86
Gross NPA %4.69%4.59%4.59%3.88%3.98%3.78%3.47%3.03%4.74%4.52%4.24%3.96%4.49%
Net NPA %3.25%3.08%3.01%2.69%2.56%2.43%2.22%1.96%2.14%1.99%1.80%1.61%2.04%
Raw PDF

Earnings

Results dates & reactions
No upcoming results date on calendar.

Fresh quarters land in the Financials table above, tagged NSE until screener catches up.

Avg earnings-day move −6.55% · closed higher next day 0 of last 1
 Q1FY27
Broadcast12 Aug '26◦
Earnings day−6.55%
+1 day−5.58%
+5 days−7.88%
+15 days−4.92%
+30 days−8.09%
FilingXBRL

Corporate actions

Last 6 months

No recent corporate actions

Dividends, splits, and bonuses in the last six months show up here.

Results analysis

Shareholding

as of Jun 2026
42.41%Promoter
Promoters42.41%
FIIs1.40%0.41
DIIs2.53%2.06
Public53.65%2.47
Ownership trend

Peers

8 companies
Valuation vs quality
P/E × ROCE · bubble = market cap
NameCMPP/EMkt CapDiv YldNP QtrQtr Profit VarSales QtrQtr Sales VarROCE
Bajaj Housing₹85.5826.3971,3080.00%715+22.63%3,063+17.10%8.85%
Piramal Finance.₹2,300.20121.2554,4300.48%461+66.80%3,368+27.62%6.47%
LIC Housing Fin.₹548.155.2530,1521.82%1,499+9.90%7,083−1.44%8.59%
PNB Housing₹1,133.1012.5729,5520.71%555+4.28%2,253+9.14%9.44%
Aadhar Hsg. Fin.₹461.6517.5520,2380.00%282+19.00%993+17.06%11.38%
Sammaan Capital₹143.92—16,7170.00%243−27.22%1,652−31.18%4.92%
Home First Finan₹1,241.3022.3312,9790.42%160+34.45%538+18.61%11.13%
GIC Housing Fin₹139.354.777503.23%10+36.60%267+0.52%7.71%
Median: 14 Co.₹504.9012.5712,4420.59%252+19.79%851+14.16%9.68%

Filings

Annual reports15
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2021Annual Report 2020Annual Report 2019Annual Report 2018Annual Report 2017Annual Report 2016Annual Report 2015Annual Report 2014Annual Report 2013Annual Report 2012
Concall transcripts1
PPTJan 2026
Credit ratings6
Rating update 2dcrisilRating update 7 AugicraRating update 28 AprcrisilRating update 29 Oct 2025crisilRating update 20 Oct 2025crisilRating update 10 Oct 2025icra
Announcements5
Announcement under Regulation 30 (LODR)-Credit Rating 19 Sep - CRISIL reaffirmed AA+/A1+ ratings; enhanced NCD limit to Rs.500 crore.Announcement under Regulation 30 (LODR)-Newspaper Publication 28 Aug - Copy of Newspaper Publication for Postal Ballot NoticeShareholder Meeting / Postal Ballot-Notice of Postal Ballot 27 AugCompliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 24 AugAnnouncement under Regulation 30 (LODR)-Newspaper Publication 24 Aug