GIC Housing Finance's Q3 FY 2025-26 Quarterly Results
- 10 Feb 2026
Result Summary
- GIC Housing Finance Ltd reported a 0.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 0.9%.
- Its expenses for the quarter were up by 3.9% QoQ and 2.5% YoY.
- The net profit decreased 12.7% QoQ and decreased 12.1% YoY.
- The earnings per share (EPS) of GIC Housing Finance Ltd stood at 8.11 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 272.65 | 271.73 | 270.22 | 0.3% | 0.9% |
Total Expenses | 220.63 | 212.26 | 215.27 | 3.9% | 2.5% |
Profit Before Tax | 54.86 | 61.26 | 56.47 | -10.4% | -2.9% |
Tax | 11.17 | 11.23 | 6.76 | -0.5% | 65.2% |
Profit After Tax | 43.69 | 50.03 | 49.71 | -12.7% | -12.1% |
Earnings Per Share | 8.11 | 9.29 | 9.22 | -12.7% | -12.0% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
GIC Housing Finance Ltd is a prominent player in the Indian financial services sector, primarily focused on providing housing finance. The company operates in the housing finance industry, offering home loans to individuals and families looking to purchase or construct homes. Their services cater to a diverse clientele, including salaried individuals, self-employed professionals, and business owners. The company is part of the larger General Insurance Corporation of India group, which provides a robust backing in terms of financial stability and industry expertise. As of the latest available data, there are no specific recent major developments mentioned for GIC Housing Finance Ltd.
Revenue
During Q3 FY26, GIC Housing Finance Ltd reported a total income of ₹272.65 crores, a slight increase from the previous quarter's ₹271.73 crores, and a year-over-year increase from ₹270.22 crores in Q3 FY25. The quarter-over-quarter growth rate for total income was 0.3%, while the year-over-year growth was 0.9%. This indicates a modest increase in revenue over both the previous quarter and the same quarter of the previous year. The company’s revenue sources primarily stem from interest income on loans and other financial services provided, but specific details on revenue segmentation are not provided in the available data.
Profitability
In terms of profitability, GIC Housing Finance Ltd recorded a profit before tax of ₹54.86 crores in Q3 FY26, which reflects a decrease from ₹61.26 crores in Q2 FY26 and from ₹56.47 crores in Q3 FY25. This marks a quarter-over-quarter decline of 10.4% and a year-over-year decline of 2.9%. The profit after tax for Q3 FY26 was ₹43.69 crores, down from ₹50.03 crores in the previous quarter and ₹49.71 crores in the same quarter of the previous year, with respective declines of 12.7% and 12.1%. The earnings per share also reflected a similar trend, standing at ₹8.11 in Q3 FY26 compared to ₹9.29 in Q2 FY26 and ₹9.22 in Q3 FY25, marking decreases of 12.7% quarter-over-quarter and 12.0% year-over-year.
Operating Metrics
GIC Housing Finance Ltd's total expenses rose to ₹220.63 crores in Q3 FY26, up from ₹212.26 crores in Q2 FY26 and ₹215.27 crores in the same quarter last year. This represents a quarter-over-quarter increase of 3.9% and a year-over-year increase of 2.5%. The tax expense for Q3 FY26 was ₹11.17 crores, showing a slight decrease of 0.5% from the previous quarter's ₹11.23 crores, but a significant year-over-year increase of 65.2% from ₹6.76 crores in Q3 FY25. These figures indicate changes in the cost structure and tax liabilities for the company over the periods in question. Specific details on other operating metrics such as loan portfolio size, asset quality, or non-performing assets are not provided in the financial data available.