GIC Housing Finance Limited (BOM:511676)

India · Delayed Price · Currency is INR

137.55

+0.05 (0.04%)

At close: Aug 21, 2026

GIC Housing Finance Financials Overview

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	3,609	3,134	3,361	3,222	3,920	3,235
Revenue Growth	25.71%	-6.76%	4.32%	-17.82%	21.19%	46.63%
Operating Income	1,960	1,585	2,100	1,944	2,837	2,256
Net Income	1,575	1,548	1,604	1,514	2,133	1,735
Earnings Per Share	29.23	28.75	29.79	28.11	39.60	32.22
EPS Growth	22.09%	-3.49%	5.99%	-29.03%	22.91%	64.39%

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	400.6	400.6	537.6	358.6	697	4,778
Total Debt	91,188	91,188	87,506	85,844	91,679	103,649
Net Cash (Debt)	-90,787	-90,787	-86,968	-85,485	-90,982	-98,871
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1684.83	-1685.89	-1614.98	-1587.44	-1689.52	-1836.01

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-	-3,201	-175.3	5,221	10,432	12,860
Capital Expenditures	-	-10.3	-13.4	-21.9	-14	-2.1
Free Cash Flow	-	-3,211	-188.7	5,199	10,418	12,858
Free Cash Flow Growth	-	-	-	-50.10%	-18.98%	134.86%

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Margin	54.31%	50.57%	62.50%	60.34%	72.38%	69.74%
Pretax Margin	54.66%	50.81%	61.51%	63.37%	73.94%	71.20%
Profit Margin	43.64%	49.41%	47.74%	46.98%	54.40%	53.64%
FCF Margin	-	-102.48%	-5.62%	161.37%	265.74%	397.46%

Dividends

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 23, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Dividend Per Share	4.500	4.500	4.500	4.500	4.500	4.500
Dividend Per Share Growth	0%	0%	0%	0%	0%	12.50%
Dividend Yield	3.18%	3.51%	2.82%	2.39%	3.19%	3.89%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 23, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	4.71	4.57	5.63	7.17	3.91	4.06
P/FCF Ratio	-	-	-	2.09	0.80	0.55
PS Ratio	2.05	2.26	2.69	3.37	2.13	2.18