- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹676 Cr1,578th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 12 Aug 2026
- 4.3
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 15 May 2026
- 0.3
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 3.58%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 12 Aug 2026
- 7.7%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 3.50%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 7.73%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 0.65%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 1.40%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 5.42times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 74,15967.6% delivered
Results
Standalone, as consolidated accounts are on record for only 5 of the last ten years; ₹ crore, the charts by years to March, the table by quarter. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 12 Aug
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹267 Crdown 2.19%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹10 Crdown 81.26%
Income from operations by year
Peak income from operations ₹1,247 Cr, year to Mar 2020
Net profit by year, a loss in red
| ₹ crore | Sep 2024Filed 21 Nov | Dec 2024Filed 26 Jun | Mar 2025Filed 16 May | Jun 2025Filed 12 Aug | Sep 2025Filed 13 Nov | Dec 2025Filed 9 Feb | Mar 2026Filed 15 May | Jun 2026Filed 12 Aug |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Net profit | 36 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
Standalone. The last eight quarters. The latest is shaded.
Business segments
In the year to Mar 2026 the company reports one business segment, Housing Finance, which carries all its revenue.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer.PE ratio and valuation history
Price to earningsPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
At or below today's level on 12% of 2,004 trading days over the last 10 years.
LowestHighest
Its median6.8Industry median12.3
Price to bookPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet.
At or below today's level on 3% of 1,919 trading days since Nov 2018.
LowestHighest
Its median0.6Industry median1.5
Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
At or below today's level on 90% of 2,371 trading days over the last 10 years.
LowestHighest
Its median2.33%Industry median1.63%
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −18.3% | −3.5% | −18.9% | 3.4% |
| 3 years | −2.6% | −10.2% | +5.4% | 2.8% |
| 5 years | +5.4% | +21.1% | −15.4% | 2.9% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 5 years is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.
Peers and competitors
Housing Finance Company, 19 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to GIC Housing Finance in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 Can Fin HomesCANFINHOME | 9,421 | 8.2 | 1.5 | – | +7.9% | +25.1% | 19.4% | – | 2.54% | 3.84% | 2.12% |
 Aavas FinanciersAAVAS | 8,834 | 12.9 | 1.7 | – | +13.3% | +17.0% | 14.6% | – | 3.29% | 6.75% | 0.00% |
 India Shelter Finance CorporationINDIASHLTR | 6,698 | 12.7 | 2.1 | – | +25.7% | +28.1% | 17.9% | – | 5.82% | 9.73% | 1.63% |
 Repco Home FinanceREPCOHOME | 1,926 | 4.0 | 0.5 | – | +5.9% | +3.8% | 12.9% | – | 3.05% | 5.05% | 1.62% |
 SRG Housing FinanceSRGHFL | 159 | 4.6 | 0.5 | – | +31.3% | +35.0% | 12.2% | – | 3.18% | 10.43% | 0.00% |
 Reliance Home FinanceRHFL | 62 | – | – | – | – | – | – | – | – | – | 0.00% |
 Ind Bank HousingINDBNK | 48 | 12.3 | – | 59.0 | +1,297.8% | – | – | 66.6% | – | – | 0.00% |
 India Home LoanINDIAHOME | 43 | 287.5 | 1.0 | – | −11.1% | −22.3% | 0.4% | – | 0.10% | 15.06% | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record; for ROCE and EV/EBITDA, where the company is a lender or an insurer; for NIM and ROA, where the company has no recent year with a balance sheet at its start and its end. ROE is the shareholders' profit over their net worth. ROCE is profit before interest and tax over the whole group's net worth plus borrowings, as in the figures at the top of the page. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.Dividend history and dates
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up.Highest ₹5.50 a share, years to Mar 2018 and Mar 2019.
| Ex-date | Type | Per share |
|---|---|---|
| 25 Jun 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.50 |
| 18 Jul 2025 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.50 |
| 28 Jun 2024 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.50 |
| 25 Aug 2023 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.50 |
| 1 Sep 2022 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.50 |
| 16 Sep 2021 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.00 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
Sep 2026
28 Sep · Management
25 Sep · Management
GIC Housing Finance share price by year
Each calendar year to 2025.GIC Housing Finance share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 173.07 | −15.3% | 209.34 | 159.95 |
| 2024 | 204.33 | −4.8% | 282.15 | 189.95 |
| 2023 | 214.55 | +0.9% | 239.05 | 145.55 |
| 2022 | 212.55 | +41.6% | 212.55 | 112.15 |
| 2021 | 150.10 | +24.6% | 194.15 | 106.00 |
| 2020 | 120.50 | −23.0% | 164.65 | 54.45 |
| 2019 | 156.40 | −40.7% | 274.00 | 132.10 |
| 2018 | 263.60 | −43.1% | 470.70 | 215.25 |
| 2017 | 463.10 | +72.3% | 616.05 | 266.80 |
| 2016 | 268.85 | +13.8% | 347.20 | 183.25 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 23 Oct 2026 | 127.30 | 127.57 | 124.06 | 125.53 | 124.92 | 74,159 | 67.6% |
| 22 Oct 2026 | 129.29 | 129.29 | 126.00 | 126.66 | 127.40 | 70,252 | 62.1% |
| 21 Oct 2026 | 131.00 | 131.69 | 128.50 | 129.29 | 129.51 | 44,604 | 56.3% |
| 19 Oct 2026 | 131.80 | 132.00 | 130.61 | 131.37 | 131.15 | 32,629 | 68.3% |
| 16 Oct 2026 | 131.15 | 132.00 | 130.52 | 131.82 | 131.42 | 43,144 | 59.6% |
| 15 Oct 2026 | 131.70 | 132.00 | 130.21 | 130.86 | 130.81 | 64,208 | 63.2% |
| 14 Oct 2026 | 132.02 | 132.50 | 130.90 | 131.53 | 131.66 | 46,252 | 71.4% |
| 13 Oct 2026 | 132.39 | 133.00 | 130.95 | 131.97 | 131.77 | 74,469 | 75.3% |
| 12 Oct 2026 | 132.00 | 133.40 | 131.42 | 132.09 | 132.71 | 57,759 | 66.7% |
| 9 Oct 2026 | 132.00 | 132.55 | 131.00 | 131.53 | 131.48 | 63,850 | 64.1% |
Prices in ₹ per share as traded, not adjusted.
Company details
- Legal name
- GIC Housing Finance Limited
- NSE symbol
- GICHSGFIN
- BSE code
- 511676
- ISIN
- INE289B01019
- Industry
- Finance
- Listed
- Mar 1995 on BSE, May 1996 on NSE
- Face value
- ₹10
- CIN
- L65922MH1989PLC054583
- Corporate identity number, the registrar of companies' code for it