GIC Housing Finance Limited strategy deck summary

Strategy deck of 15 Jan 2026, summarised by AI from the filing.

The company plans market penetration, digital transformation, product innovation and sustainable growth; no numeric guidance was given.

Key takeaways

1. Outlook The company plans market penetration, digital transformation, product innovation and sustainable growth; no numeric guidance was given.
2. Branch expansion In July 2025 the company activated 12 new branches across NCR, Hyderabad, Bangalore, MMR and ROW.
3. Ticket size Average ticket size rose to ₹31.50 lakhs in H1 FY26 from ₹27.50 lakhs in FY25.
4. Asset quality Gross NPA was 4.52% as on Sep 25, up from 3.03% as on Mar 25, mainly on the AHS portfolio merger into NPAs.

Original filing on BSE

GIC Housing Finance Limited Q1 FY27 results

As filed: Revenue ₹267 cr (+1% year on year), EBITDA ₹194 cr (+24% year on year), PAT ₹10.1 cr (+44% year on year), EBITDA margin 72.7% (+1,000 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹273 cr (0% year on year), EBITDA ₹234 cr (−4% year on year), PAT ₹53.7 cr (+53% year on year), EBITDA margin 85.7% (−361 bps). Score 53 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA growth was below it; profit growth was well above it. EBITDA margin fell 361 bps year on year. Share price after the results: +2.6% in 28 days (Nifty 500: +0.3%).
• Q3 FY26: Revenue ₹273 cr (+1% year on year), EBITDA ₹231 cr (−3% year on year), PAT ₹43.7 cr (−13% year on year), EBITDA margin 84.6% (−388 bps). Score 48 of 100, In line with trend. Revenue, EBITDA and profit growth were in line with the company's own trend. EBITDA margin fell 388 bps year on year. Profit fell 13% from last quarter. Share price after the results: −11.5% in 30 days (Nifty 500: −6.9%).
• Q2 FY26: Revenue ₹272 cr (+3% year on year), EBITDA ₹237 cr (+4% year on year), PAT ₹50.0 cr (+35% year on year), EBITDA margin 87.1% (+115 bps). Score 64 of 100, In line with trend. Revenue, EBITDA and profit growth were above the company's own trend. EBITDA margin rose 115 bps year on year. Share price after the results: −2.4% in 29 days (Nifty 500: −0.4%).
• Q1 FY26: Revenue ₹265 cr (−3% year on year), EBITDA ₹156 cr (−30% year on year), PAT ₹7.0 cr (−82% year on year), EBITDA margin 58.9% (−1,000 bps). Score 19 of 100, Below trend. Revenue growth was below the company's own trend; EBITDA and profit growth were well below it. EBITDA margin fell 1000 bps year on year. Profit fell 80% from last quarter. Share price after the results: −5.4% in 30 days (Nifty 500: +2.4%).
• Q4 FY25: Revenue ₹272 cr (+5% year on year), EBITDA ₹243 cr (−2% year on year), PAT ₹35.0 cr (−13% year on year), EBITDA margin 89.3% (−643 bps). Score 46 of 100, In line with trend. Revenue growth was above the company's own trend; EBITDA growth was in line with it; profit before exceptional items growth was below it. EBITDA margin fell 643 bps year on year. Tax rate 36%. Share price after the results: +0.5% in 28 days (Nifty 500: +0.2%).
• Q3 FY25: Revenue ₹269 cr (+3% year on year), EBITDA ₹238 cr (+8% year on year), PAT ₹50.0 cr (+39% year on year), EBITDA margin 88.5% (+418 bps). Score 53 of 100, In line with trend. EBITDA margin rose 418 bps year on year. Tax rate 13%. Not enough history for a trend yet: scored on growth alone.
• Q2 FY25: Revenue ₹264 cr, EBITDA ₹227 cr, PAT ₹36.0 cr, EBITDA margin 86.0%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

GIC Housing Finance Limited earnings call, investor presentation and press release summaries

• Other events: Strategy deck (15 Jan 2026)