GIC Housing Finance Q3 FY26: PAT declines 19% on higher loan loss provisions

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Price reactionminutes from the announcement price · days from the prior close

-0.3%Reaction day

₹165.01

prior close

₹165.03

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+1.0%-1.3% vs market

Housing Finance Company peers, median of 17sector-0.5%+0.2% vs sector

On the reaction day the stock moved 1.3 pts less than Nifty Microcap 250 and 0.2 pts more than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-0.2

10m

-0.2

15m

-0.1

30m

+0.1

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-0.3+1.0-1.3-0.5+0.2

Next day

+1.2+0.5+0.7-0.0+1.2

-0.7-0.0-0.7-1.7+0.9

-1.4-1.5+0.1-2.9+1.6

-2.5-2.2-0.3-3.0+0.5

-2.3-1.2-1.0-2.0-0.3

-3.0-2.4-0.7-3.2+0.2

15d

-9.2-8.8-0.3-7.6-1.5

-10.4-8.3-2.1-8.1-2.2

-7.8-3.5-4.3-3.6-4.2

-7.3+6.4-13.7+4.8-12.1

UpDownMarket · Nifty Microcap 250Sector · Housing Finance Company peers, median of 17Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

GIC Housing Finance Q3 FY26: standalone PAT fell 12% YoY to Rs 43.6 cr; 9M PAT down 19% at Rs 100.9 cr. Total income flat at Rs 273 cr for Q3. Higher loan loss provisions due to ECL methodology change pressured earnings. Stage 3 assets rose to 4.24% vs 3.47% YoY.

Likely market impact

Profit decline due to higher ECL provisions and weakening asset quality may pressure near-term sentiment despite steady topline.