GIC Housing Finance Limited (NSE: GICHSGFIN)

GIC Housing Finance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	10,326	10,429	10,988	11,355	12,185	12,439
Total Interest Expense	6,989	7,104	7,025	7,010	8,229	9,454
Net Interest Income	3,337	3,325	3,963	4,345	3,956	2,985
Commissions and Fees	57	51.6	52.9	52.8	20.5	35.9
Gain (Loss) on Sale of Investments	27.1	27.1	78.6	18.8	19	36.6
Other Revenue	-2.7	0.4	0.2	-	61.2	10.9
Revenue Before Loan Losses	3,419	3,404	4,094	4,417	4,057	3,068
Provision for Loan Losses	166.3	182.3	174.2	1,182	1,851	994.2
Revenue	3,253	3,222	3,920	3,235	2,206	2,074
Revenue Growth (YoY)	-11.78%	-17.82%	21.18%	46.63%	6.37%	-42.77%
Salaries & Employee Benefits	666.1	640	599.3	482	434.6	425.3
Cost of Services Provided	126.6	126.6	98.5	91.5	107.6	85.4
Other Operating Expenses	244.5	360.8	285.7	318.3	353.6	406.4
Total Operating Expenses	1,188	1,278	1,083	978.9	940.6	978.4
Operating Income	2,064	1,944	2,837	2,256	1,266	1,096
EBT Excluding Unusual Items	2,098	1,978	2,856	2,287	1,346	1,123
Pretax Income	2,162	2,042	2,899	2,303	1,346	1,123
Income Tax Expense	513.5	528.1	766	568.3	289.8	666.6
Net Income	1,648	1,514	2,133	1,735	1,056	456.1
Net Income to Common	1,648	1,514	2,133	1,735	1,056	456.1
Net Income Growth	-8.33%	-29.03%	22.90%	64.36%	131.46%	-73.45%
Shares Outstanding (Basic)	54	54	54	54	54	54
Shares Outstanding (Diluted)	54	54	54	54	54	54
Shares Change (YoY)	0.02%	-	-	-	-	-
EPS (Basic)	30.60	28.11	39.60	32.22	19.60	8.47
EPS (Diluted)	30.60	28.11	39.60	32.22	19.60	8.47
EPS Growth	-8.34%	-29.03%	22.90%	64.39%	131.41%	-73.45%
Free Cash Flow	1,334	5,199	10,418	12,858	5,475	210.5
Free Cash Flow Per Share	24.76	96.54	193.45	238.76	101.66	3.91
Dividend Per Share	-	4.500	4.500	4.500	4.000	2.000
Dividend Growth	-	0%	0%	12.50%	100.00%	-63.64%
Operating Margin	63.46%	60.34%	72.38%	69.74%	57.36%	52.83%
Profit Margin	50.68%	46.98%	54.40%	53.64%	47.85%	21.99%
Free Cash Flow Margin	41.00%	161.37%	265.74%	397.47%	248.16%	10.15%
Effective Tax Rate	23.75%	25.87%	26.43%	24.67%	21.54%	59.37%
Revenue as Reported	10,713	10,697	11,289	11,564	12,403	12,549

Source: S&P Capital IQ. Financial Services template. Financial Sources.