GIC Housing Fin Financials

NSE: GICHSGFIN | BSE: 511676

₹136.12

₹-1.03 (-0.75%)

As on 10-Sep-2026IST

Market cap

₹732 Cr

Revenue (TTM)

₹1,084 Cr

P/E Ratio

4.7

P/B Ratio

0.3

Div. Yield

3.3 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Operating Income	1,083.63	1,082.23	1,078.91	1,057.16	1,114.90	1,149.78
Other Income	1.59	1.35	10.03	12.54	158.86	6.62
Total Income	1,085.22	1,083.58	1,088.94	1,069.70	1,273.76	1,156.40
Interest Expense	686.85	687.26	703.27	710.68	702.93	701.55
Operating Expenses	188.87	226.13	150.90	139.84	271.04	215.80
Exceptional Income/Expenses	--	--	-13.06	--	--	--
Profit before Tax	197.26	159.21	206.70	204.16	289.85	230.34
Taxes	39.78	4.39	46.28	52.81	76.60	56.83
Profit after Tax	157.48	154.82	160.42	151.35	213.25	173.51
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	157.48	154.82	160.42	151.35	213.25	173.51

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	2,106.40	2,106.40	1,964.84	1,828.83	1,699.30	1,510.76
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	34.55	5,562.05	5,586.04	5,494.85	8,725.89	9,689.11
Current Liabilities	9,158.03	3,526.27	3,152.00	3,072.74	409.78	602.03
Total Liabilities	11,298.98	11,298.98	10,775.38	10,470.56	10,920.17	11,929.04

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Non-Current Assets	123.92	11,002.24	10,325.87	10,170.97	10,500.96	11,274.40
Current Assets	11,088.45	192.48	377.01	125.64	257.71	494.84
Total Assets	11,298.98	11,298.98	10,775.38	10,470.56	10,920.17	11,929.04
Contingent Liabilities	--	4.12	4.45	4.12	4.12	4.95

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	-320.10	-17.53	522.05	1,043.15	1,285.97
Cash Flow from Investing Activities	--	51.74	-87.02	63.50	-212.85	-3.26
Cash from Financing Activities	--	254.66	122.45	-619.39	-1,238.36	-891.77
Net Cash Inflow / Outflow	--	-13.70	17.90	-33.84	-408.06	390.94

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	29.24	28.75	29.79	28.11	39.60	32.22
Cash EPS (₹)	29.24	30.79	32.58	30.90	41.45	33.84
Adjusted Book Value (₹)	393.02	391.16	364.87	339.61	315.56	280.54
Dividend per Share (₹)	3.31	4.50	4.50	4.50	4.50	4.50
Cash Flow per Share (₹)	--	-59.44	-3.26	96.95	193.71	238.81
Free Cash Flow per Share (₹)	--	-94.82	-7.66	94.19	195.25	218.75

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
ROCE (%)	--	7.75	8.63	8.62	8.75	7.86
ROE (%)	7.67	7.61	8.46	8.58	13.29	11.49
ROA (%)	1.43	1.41	1.52	1.43	1.88	1.47
EBIT Margin (%)	81.44	78.09	84.62	85.35	74.80	8,149.86
Net Margin (%)	14.51	14.29	14.73	14.15	16.74	965.38
Cash Profit Margin (%)	--	15.32	16.26	15.74	20.02	15.85

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	1.24	0.31	2.06	-5.18	-3.03	--
EBIT Growth (%)	4.10	-7.43	1.19	8.20	-9.87	--
Net Profit Growth (%)	7.75	-3.49	5.99	-29.03	22.90	--
EPS Growth (%)	22.26	-3.49	5.99	-29.03	22.90	--
Book Value Growth (%)	--	7.20	7.44	7.62	12.48	--

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	4.65	4.58	5.63	7.17	3.91	4.07
Price / Book Value	0.35	0.34	0.46	0.59	0.49	0.47
Dividend Yield (%)	3.31	3.41	2.68	2.23	2.91	3.44
EV/EBITDA	10.86	11.33	10.20	10.33	9.86	11.24
Close Price (₹)	152.46	131.31	167.75	201.40	154.85	130.95
High Price (₹)	206.00	206.00	278.60	292.45	248.00	202.55
Low Price (₹)	130.05	130.05	151.00	145.95	107.50	104.20
Market Cap (₹ Cr)	732.37	709.73	903.37	1,084.54	833.83	705.43

Solvency Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Debt to Equity	--	4.30	4.44	4.68	5.38	6.85
Short term debt to equity ratio	--	1.64	1.58	1.65	0.20	0.36
Current Ratio	1.21	0.05	0.12	0.04	0.63	0.82
Quick Ratio	1.21	0.05	0.12	0.04	0.63	0.82
Interest Coverage	1.29	1.23	1.29	1.29	1.41	1.33

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)