GIC Housing Finance Q3 FY26 results, net profit down 12 percent YoY

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

-0.3%Reaction day

₹165.01

prior close

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announcement price

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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.

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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 reported Q3 FY26 standalone net profit of Rs 43.6 crore, down from Rs 49.6 crore YoY. Total income rose slightly to Rs 272.6 crore from Rs 270.2 crore. Nine month net profit fell to Rs 100.9 crore from Rs 125.1 crore, a drop of about 19 percent. Stage 3 bad loan ratio worsened to 4.24 percent from 3.47 percent YoY. Board also renewed contract of a Senior Management Personnel. Gokhale and Sathe gave an unqualified review conclusion.

Likely market impact

Profit decline and rising stage 3 bad loan ratio suggest asset quality stress. Revenue is flat, keeping earnings outlook cautious.