GIC Housing Finance Ltd
NSE: GICHSGFIN · Housing Finance Company · sector
₹122.62NSE close 2026-10-26
Key numbers
Market cap₹660 cr
Price₹122.62
52w high / low₹184 / ₹123
P/E4.2xSector median 12.6x
P/B0.3xSector median 1.2x
Book value₹391.0
Dividend yield3.67%Sector median 1.29%
ROE7.7%Sector median 12.9%
ROA1.39%Sector median 2.52%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y-1.0%Sector median +10.7%
Profit growth 3y-10.2%Sector median +17.7%
PEG–
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 19 companies in Housing Finance Company (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No promoter shares are pledged.
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 5 of the last 5 financial years.
- Price ₹122.62 on 2026-10-26: -33.4% from the 52-week high, 0.0% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹241.18 · low ₹122.62
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Net interest income | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Other income | 2 | 1 | 4 | 0 | 0 | 0 | 1 | 1 |
| Net profit | 36 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS (₹) | 6.77 | 9.22 | 6.52 | 1.36 | 9.28 | 8.10 | 9.95 | 1.86 |
| Revenue YoY | +2.8% | +1.3% | +0.4% | +0.5% | ||||
| Profit YoY | +36.9% | -12.1% | +52.7% | +36.6% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1,150 | 1,115 | 1,057 | 1,079 | 1,082 | 1,084 |
| Net profit | 174 | 213 | 151 | 160 | 154 | 157 |
| EPS (₹) | 32.23 | 39.59 | 28.07 | 29.74 | 28.69 | 29.19 |
| Revenue growth | -3.0% | -5.2% | +2.1% | +0.3% | +1.2% | |
| Profit growth | +22.8% | -29.1% | +6.0% | -3.5% | +22.3% | |
| Dividend / share (₹) | 4.00 | 4.50 | 4.50 | 4.50 | 4.50 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | -1.0% | -2.5% | +1.2% |
| Net profit | -10.2% | +21.1% | +22.3% |
| EPS | -10.2% | +7.9% | – |
| Share price | – | -22.9% (2y) | -24.9% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | 1,699 | 1,829 | 1,964 | 2,106 |
| Borrowings | – | 8,017 | 7,833 | 7,373 | 7,115 |
| Cash & equivalents | – | 89 | 40 | 58 | 44 |
| Total assets | – | 10,920 | 10,470 | 10,775 | 11,298 |
| Fixed assets | – | 3 | 3 | 3 | 3 |
| Capital work in progress | – | 0 | 0 | 0 | 0 |
| Inventory | – | 0 | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | 1,286 | 290 | 522 | -18 | -320 |
| Cash from investing | -4 | 0 | 64 | -87 | 52 |
| Cash from financing | -892 | 0 | -619 | 122 | 255 |
| Capex | 5 | 0 | 4 | 3 | 5 |
| Free cash flow | 1,281 | 290 | 518 | -20 | -325 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | 12.5% | 8.3% | 8.2% | 7.3% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 42.41% |
| FIIs | 0.93% |
| DIIs | 2.44% |
| of which Insurance | 2.44% |
| Public (non-institutions) | 54.22% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% |
| Promoter group | % |
|---|---|
| General Insurance Corporation of India | 15.26% |
| The NEW India Assurance Company Limited | 8.65% |
| United India Insurance Company Limited | 7.35% |
| National Insurance Company Ltd | 5.63% |
| The Oriental Insurance Company Limited | 5.52% |
| GIC RE South Africa Ltd. | 0.00% |
| GIC RE India Corporate Member Ltd. | 0.00% |
| GIC Perestrakhovanie LLC | 0.00% |
| GIC Bhutan RE Limited | 0.00% |
| India International Insurance PTE. Ltd. | 0.00% |
| The NEW India Assurance Company (Trinidad & Tobago) Limited | 0.00% |
| The NEW India Assurance Company (Sierra Leone) Limited | 0.00% |
| Prestige Assurance PLC, Nigeria | 0.00% |
| Agriculture Insurance Company of India Limited | 0.00% |
| Health Insurance TPA of India Ltd. | 0.00% |
| Public holders above 1% | % |
|---|---|
| LOK Prakashan Ltd | 4.12% |
| Life Insurance Corporation of India | 2.44% |
| Ranjeet Singh Sibia | 1.39% |
| Vaipan Advisors Private Limited | 1.02% |
60,546 shareholders. Pledged: 0.00% of promoter shares.
Peers in Housing Finance Company
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹65,449 cr | 23.3x | 2.7x | 12.4% | 1.96% | – | – | – |
| PNBHOUSING | ₹28,300 cr | 12.0x | 1.5x | 13.0% | 2.51% | – | +9.5% | 0.46% |
| LICHSGFIN | ₹27,377 cr | 4.8x | 0.7x | 14.8% | 1.76% | – | +8.3% | 2.01% |
| AADHARHFC | ₹19,295 cr | 16.8x | 2.6x | 16.4% | 4.16% | – | – | – |
| HOMEFIRST | ₹10,578 cr | 18.1x | 2.4x | 16.9% | 3.83% | – | +34.3% | 0.36% |
| APTUS | ₹9,912 cr | 13.6x | 2.3x | 18.1% | 7.65% | – | +16.9% | 2.27% |
| CANFINHOME | ₹9,666 cr | 8.4x | 1.5x | 19.4% | 2.52% | – | +15.4% | 1.79% |
| SAMMAANCAP | ₹9,363 cr | – | 0.5x | -35.9% | -10.78% | – | +0.7% | 0.00% |
| AAVAS | ₹8,929 cr | 13.0x | 1.8x | 14.6% | 3.24% | – | +18.6% | – |
| GICHSGFIN | ₹660 cr | 4.2x | 0.3x | 7.7% | 1.39% | – | -1.0% | 3.67% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-06-25 | Dividend | Dividend - Rs 4.50 Per Share |
| 2025-07-18 | Dividend | Dividend - Rs 4.50 Per Share |
| 2024-06-28 | Dividend | Dividend - Rs 4.50 Per Share |
| 2023-08-25 | Dividend | Dividend - Rs 4.50 Per Share |
| 2022-09-01 | Dividend | Dividend - Rs 4.5 Per Share |
| 2021-09-16 | Dividend | Annual General Meeting/Dividend - Rs 4 Per Share |
| 2020-12-03 | Dividend | Annual General Meeting/Dividend - Rs 2 Per Share |
| 2019-09-12 | Dividend | Annual General Meeting/Dividend - Rs 5.50 Per Share |
| 2018-07-20 | Dividend | Annual General Meeting/Dividend- Rs 5.50 Per Share |
| 2017-07-14 | Dividend | Annual General Meeting/Dividend - Rs 5/- Per Share |
| 2016-07-14 | Dividend | Dividend -Rs 5/- Per Share |
| 2015-07-09 | Dividend | Annual General Meeting/Dividend Rs 5/- Per Share |
| 2014-09-02 | Dividend | Annual General Meeting / Dividend - Rs 5/- Per Share + One Time Silver Jubilee Dividend - Re 1/- Per Share |
| 2013-07-18 | Dividend | Annual General Meeting / Dividend - Rs 5/- Per Share |
| 2012-07-04 | Dividend | Annual General Meeting And Dividend - Rs.4.50 Per Share |
| 2011-07-14 | Dividend | Final Dividend Rs.4.50 Per Share And Special Dividend Re.1/- Per Share |
| 2010-07-15 | Dividend | Dividend Rs. 4.50 Per Share |
| 2009-07-16 | Other | Agm/Div-Rs.4/- Per Share |
| 2008-07-16 | Dividend | Agm/Dividend - 40% |
| 2007-07-19 | Dividend | Agm/Dividend-30% |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Housing Finance: To carry on the business of providing long term finance on such terms and conditions as the Company may deem fit, to Individuals, Co-operative Societies, Association of Persons, Companies or Corporations, or such other persons or entities for purchase of plots, houses, flats, apartments and/or construction, repair, renovation and/or upgradation of houses, flats or apartments for residential purpose.
| Sector | Financial Services |
| Industry | Housing Finance Company |
| Sub-industry | Housing Finance Company |
| Symbol | GICHSGFIN |
| BSE code | 511676 |
| ISIN | INE289B01019 |
| Face value | ₹10.0 |
| Incorporated | 1989-12-12 |
| Website | www.gichfindia.com |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.