What the business is, and whether it's a good one at a fair price.
A housing finance company that lends for housing and uses the proceeds to fund housing loans and refinance existing debt. The loan book sits on total assets of Rs 11,298.98 crore as of FY26. Funding comes largely from market borrowings in the form of secured, listed, rated, redeemable non-convertible debentures and commercial paper; the board has cleared private placement of NCDs/bonds up to Rs 2,500 crore during the year. Recent issuances include a Rs 200.07 crore NCD Series 12 Tranche 1 at 8.15% per annum fixed coupon for 548 days, rated CRISIL AA+ Stable, with ICICI Bank as arranger and anchor investor for Rs 60 crore, and allottees including ICICI Bank, Tata Mutual Fund schemes and LIC Mutual Fund. Reported revenue for FY26 was Rs 1,082.23 crore with net profit of Rs 154.82 crore and an EBITDA margin of 79.2 percent. The largest cost line on the books is interest on borrowed funds, while employees cost 8.3 percent of revenue and other operating expenses 6.1 percent. The company has declared a Rs 4.5 per share dividend for FY26, subject to shareholder approval.
Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from GIC HOUSING FINANCE LTD's filed financials and exchange disclosures
GIC HOUSING FINANCE LTD is a Finance company listed on NSE and BSE, trading under the symbol GICHSGFIN.
Yes. Over the trailing twelve months GIC HOUSING FINANCE LTD reported a net profit of ₹157 Cr on revenue of ₹1,084 Cr.
Yes. The dividend yield is 3.30% at the current price. It paid out 16% of its profit as dividend in FY26.
Effectively yes. It holds ₹40 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, GIC HOUSING FINANCE LTD ranks 2 of 17 in Housing Finance Company — cheaper than 94% of them, against an industry median of 13.3×. This is a position, not a valuation judgement.
On a typical session GIC HOUSING FINANCE LTD moves 0.77% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by GIC HOUSING FINANCE LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
