GIC Housing Finance Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
GICHSGFIN · price
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On the reaction day the stock moved 1.0 pts less than Nifty Microcap 250 and 0.7 pts less than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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GIC Housing Finance reported FY2026 net profit of ₹15,449 lakh, down 3.5% from ₹16,017 lakh in FY2025. Total income remained flat at ₹1,08,322 lakh. The profit decline was primarily driven by a sharp increase in impairment provisions to ₹6,852 lakh (vs ₹1,652 lakh), partly due to a modified ECL calculation method effective April 2025. Operating cash flow deteriorated significantly to negative ₹32,016 lakh (vs negative ₹1,780 lakh), reflecting higher loan disbursements and increased provisioning. The company recommended a dividend of ₹4.50 per share (45%). The debt-equity ratio improved slightly to 4.30 from 4.44. Gross Stage 3 ratio increased to 3.96% from 3.03%, while provision coverage ratio improved to 60.36% from 36.07%.
The PAT decline and significantly negative operating cash flow may concern investors, though the company maintained an unmodified auditor opinion and the high provision coverage ratio indicates adequate buffer against loan losses.