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GIC Housing Finance's Q1 FY 2025-26 Quarterly Results

GIC Housing Finance's revenue decreased 4.2% YoY
  • 4d ago
  • GIC Housing Finance Ltd reported a -0.0% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 4.2%.
  • Its expenses for the quarter were down by 0.3% QoQ and up 0.6% YoY.
  • The net profit decreased 86.2% QoQ and decreased 81.0% YoY.
  • The earnings per share (EPS) of GIC Housing Finance Ltd stood at 1.4 during Q1 FY 2025-26.
(₹ crores) Q1FY26 Q4FY25 Q1FY25 QoQ (%) YoY (%)
Total Income
265.44
265.54
277.19
-0.0%
-4.2%
Total Expenses
207.78
208.39
206.44
-0.3%
0.6%
Profit Before Tax
-20.31
79.21
46.91
-125.6%
-143.3%
Tax
-27.73
25.54
7.92
-208.6%
-450.1%
Profit After Tax
7.42
53.67
38.99
-86.2%
-81.0%
Earnings Per Share
1.40
10.00
7.20
-86.0%
-80.6%

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

GIC Housing Finance Ltd is a notable player in the housing finance industry in India. The company's primary business involves providing housing loans to individuals and other corporate bodies. It is part of the General Insurance Corporation of India (GIC) and has established a reputation for catering to a wide range of customers seeking financial assistance in purchasing or constructing residential properties. The company operates in a sector that is integral to the country's economic development, playing a critical role in facilitating home ownership for many. However, specific recent developments in the company’s operations or strategic initiatives are not available in the provided data.

For the first quarter of fiscal year 2026, GIC Housing Finance Ltd reported a total income of ₹265.44 crores. This figure is slightly lower than the previous quarter, Q4FY25, which stood at ₹265.54 crores, marking a negligible quarter-over-quarter (QoQ) decrease of 0.0%. When compared to the same quarter in the previous fiscal year, Q1FY25, where the total income was ₹277.19 crores, there is a year-over-year (YoY) decline of 4.2%. This decrease in total income over the year may reflect varying factors affecting the company’s revenue streams.

The profitability metrics for GIC Housing Finance Ltd in Q1FY26 reveal notable fluctuations. The company recorded a profit before tax (PBT) of -₹20.31 crores, which is a significant downturn from the previous quarter's PBT of ₹79.21 crores, showing a QoQ change of -125.6%. Comparing it to Q1FY25's PBT of ₹46.91 crores, there is a YoY decrease of 143.3%. The tax figures for Q1FY26 present as -₹27.73 crores, contrasting sharply with the positive tax amounts of ₹25.54 crores in Q4FY25 and ₹7.92 crores in Q1FY25. Consequently, the profit after tax (PAT) in Q1FY26 is reported at ₹7.42 crores, significantly down from ₹53.67 crores in the previous quarter and ₹38.99 crores a year ago, reflecting an 86.2% QoQ decline and an 81.0% YoY decline. Earnings per share (EPS) also saw a decline, with Q1FY26 reporting ₹1.40 compared to ₹10.00 in Q4FY25 and ₹7.20 in Q1FY25, marking an 86.0% QoQ and 80.6% YoY decrease.

The total expenses for GIC Housing Finance Ltd in Q1FY26 were reported at ₹207.78 crores, slightly down from ₹208.39 crores in Q4FY25, indicating a marginal QoQ decrease of 0.3%. When compared to Q1FY25, which reported expenses of ₹206.44 crores, there is a slight YoY increase of 0.6%. The changes in expense levels, relative to income fluctuations, could influence the company's operational efficiency and financial performance. The data does not provide specific operating metrics such as debt-to-equity ratio, current ratio, or other financial ratios that could offer further insights into the company's operational health.

FAQs

GIC Housing Finance Ltd announced its Q1 FY 2025-26 results on 13 August, 2025.

GIC Housing Finance Ltd quarterly results refer to the company’s financial performance over a three-month period, including key metrics like revenue, net profit, earnings per share (EPS), and margin performance.

Key highlights of GIC Housing Finance Ltd Q1 FY 2025-26 results include:

  • Revenue: ₹265.44 crore
  • Net Profit: ₹7.42 crore
  • EBITDA: ₹155.35 crore
  • Year-over-Year Growth: -4.2%
  • Quarter-over-Quarter Growth: -0.0%

GIC Housing Finance Ltd reported a net loss of ₹7.42 crore in Q1 FY 2025-26, reflecting a -81.0% year-over-year growth.

GIC Housing Finance Ltd posted a revenue of ₹265.44 crore in Q1 FY 2025-26.

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