Outcome of Board Meeting dated May 16, 2025.

Exceptional itemRelated-party transactionsDebt to equity above the thresholdNegative operating cash flowResults View source PDF Explain this filing

GICHSGFIN · price

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

-2.7%Reaction day

₹189.15

prior close

₹187.00

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+1.2%-3.9% vs market

Housing Finance Company peers, median of 17sector+0.4%-3.1% vs sector

On the reaction day the stock moved 3.9 pts less than Nifty Microcap 250 and 3.1 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.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-1.6

10m

-1.6

15m

-1.5

30m

-2.1

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-2.7+1.2-3.9+0.4-3.1

Next day

-1.1+0.1-1.2-0.6-0.5

-1.0+0.9-1.9-1.8+0.8

-0.5+0.8-1.3-0.8+0.3

-1.1+1.4-2.6-0.7-0.4

-1.6+2.0-3.6-1.7+0.1

+0.1+2.3-2.1-0.2+0.3

15d

+3.8+5.2-1.3+0.9+2.9

-1.7+1.6-3.2-1.7+0.1

+2.5+7.7-5.2+6.4-3.9

-7.0+4.0-10.9-1.1-5.9

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's board approved audited standalone and consolidated financial results for Q4 and FY25, along with a clean (unmodified) audit opinion from statutory auditors. Net profit for FY25 rose to Rs. 160.17 crore from Rs. 151.16 crore in FY24, with EPS at Rs. 29.74 vs Rs. 28.07. Total income grew modestly to Rs. 1,088.88 crore from Rs. 1,069.64 crore. The board recommended a 45% dividend (Rs. 4.50 per share), with record date July 18, 2025 and AGM on August 19, 2025. The company also sought shareholder approval to raise up to Rs. 2,500 crore via NCDs/bonds on private placement, and approved material related party transactions with promoter companies up to Rs. 1,000 crore. Asset quality improved with Stage 3 (NPA) ratio falling to 3.03% from 3.72%.

Likely market impact

Shareholders benefit from a stable 45% dividend and improving asset quality, though a Rs. 13.06 crore one-time write-off of LOS software and a swing to negative operating cash flow of Rs. 17.5 crore in FY25 (vs positive Rs. 522 crore in FY24) may draw investor attention. The high debt-equity ratio of 4.44x and large proposed NCD borrowing of Rs. 2,500 crore signal continued reliance on leverage for growth.