GIC Housing Finance's Q2 FY 2025-26 Quarterly Results

Result Summary

• GIC Housing Finance Ltd reported a 2.4% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 2.3%.
• Its expenses for the quarter were up by 2.2% QoQ and down 1.9% YoY.
• The net profit increased 574.3% QoQ and increased 37.0% YoY.
• The earnings per share (EPS) of GIC Housing Finance Ltd stood at 9.29 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

---

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

Company Overview

GIC Housing Finance Ltd is a prominent player in the housing finance sector, providing a range of home loan products and services. The company primarily focuses on offering housing finance solutions to individuals and families looking to purchase or construct homes. It operates within the financial services industry, particularly in the niche of housing finance. As of recent developments, there is no additional information provided regarding any major corporate changes or strategic initiatives from the provided data.

Revenue

In Q2FY26, GIC Housing Finance Ltd reported a total income of ₹271.73 crores, reflecting a quarter-over-quarter increase of 2.4% from ₹265.44 crores in Q1FY26. Compared to the same quarter last year (Q2FY25), total income grew by 2.3%, from ₹265.70 crores. The consistent rise in revenue on both a QoQ and YoY basis suggests a stable growth in the company’s income streams over the periods considered.

Profitability

The profitability metrics for GIC Housing Finance Ltd in Q2FY26 indicate significant improvements. The profit before tax (PBT) was reported at ₹61.26 crores, a substantial increase from a loss of ₹20.31 crores in the previous quarter (Q1FY26). Compared to Q2FY25, PBT saw an increase of 28.4% from ₹47.70 crores. The profit after tax (PAT) in Q2FY26 was ₹50.03 crores, marking a 574.3% rise QoQ from ₹7.42 crores in Q1FY26, and a 37.0% increase YoY from ₹36.52 crores in Q2FY25. The earnings per share (EPS) similarly rose to ₹9.29 in Q2FY26, from ₹1.38 in Q1FY26 and ₹6.78 in Q2FY25, indicating an identical percentage change as PAT.

Operating Metrics

The total expenses for Q2FY26 were ₹212.26 crores, which shows a QoQ increase of 2.2% from ₹207.78 crores in Q1FY26, but a YoY decline of 1.9% from ₹216.44 crores in Q2FY25. The tax expense recorded was ₹11.23 crores, which contrasts with a negative tax figure of ₹-27.73 crores in Q1FY26, and a slight increase from ₹11.18 crores in the corresponding quarter of the previous year. These figures underscore a positive shift in the company’s operational and tax-related metrics over the recent quarters.