GIC Housing Finance Ltd's Q4FY25 Quarter Results
- 17 May 2025
Result Summary
- GIC Housing Finance Ltd reported a 1.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a decline of 7.6%.
- Its expenses for the quarter were down by 3.2% QoQ and 3.8% YoY.
- The net profit increased 8.0% QoQ and increased 2.6% YoY.
- The earnings per share (EPS) of GIC Housing Finance Ltd stood at 10 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 265.54 | 270.22 | 287.40 | -1.7% | -7.6% |
Total Expenses | 208.39 | 215.27 | 216.67 | -3.2% | -3.8% |
Profit Before Tax | 79.21 | 56.47 | 77.56 | 40.3% | 2.1% |
Tax | 25.54 | 6.76 | 25.23 | 277.8% | 1.2% |
Profit After Tax | 53.67 | 49.71 | 52.33 | 8.0% | 2.6% |
Earnings Per Share | 10.00 | 9.20 | 9.70 | 8.7% | 3.1% |
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 industry in India. The company primarily focuses on providing housing loans to individuals and entities for the purchase or construction of residential houses and flats. As part of the financial services sector, GIC Housing Finance plays a crucial role in facilitating home ownership and real estate development. The company is known for its comprehensive mortgage solutions tailored to meet diverse customer needs. In recent years, the Indian housing finance sector has experienced regulatory changes and market dynamics that have influenced its operations, although specific recent developments for GIC Housing Finance are not detailed in the provided data.
Revenue
In the quarter ending Q4FY25, GIC Housing Finance Ltd recorded a total income of ₹265.54 crores. This represents a decrease of 1.7% compared to the previous quarter (Q3FY25), where the total income was ₹270.22 crores. On a year-over-year basis, the total income declined by 7.6% from ₹287.40 crores in Q4FY24. These figures illustrate the company's revenue performance over the specified periods, highlighting the fluctuations in income generation within the housing finance segment.
Profitability
The company's profitability metrics show an increase in the profit before tax, which was ₹79.21 crores in Q4FY25, reflecting a significant quarter-over-quarter growth of 40.3% from ₹56.47 crores in Q3FY25. On a year-over-year comparison, there was a modest increase of 2.1% from ₹77.56 crores in Q4FY24. The profit after tax for Q4FY25 stood at ₹53.67 crores, marking an 8.0% increase from the previous quarter's ₹49.71 crores and a 2.6% rise from ₹52.33 crores in the corresponding quarter of the previous year. Earnings per share (EPS) also saw an upward trend, reaching ₹10.00 in Q4FY25, compared to ₹9.20 in Q3FY25 and ₹9.70 in Q4FY24, indicating a rise of 8.7% quarter-over-quarter and 3.1% year-over-year.
Operating Metrics
The total expenses for GIC Housing Finance Ltd in Q4FY25 were reported at ₹208.39 crores, which represents a decrease of 3.2% from ₹215.27 crores in Q3FY25 and a 3.8% reduction from the ₹216.67 crores recorded in Q4FY24. The tax expense for Q4FY25 was ₹25.54 crores, showing a substantial increase of 277.8% from ₹6.76 crores in Q3FY25 and a slight year-over-year increase of 1.2% from ₹25.23 crores in Q4FY24. These metrics provide insight into the company's cost management and tax obligations during the periods under review.