GICHSGFIN Q1 FY27 results at a glance
GIC HOUSING FINANCE LTD Q1 FY27 key results metrics| Quarter | Q1 FY27 |
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| Quarter ended | 30 Jun 2026 |
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| Revenue | ₹265 cr |
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| Revenue YoY | +0.7% |
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| Operating profit | ₹50.07 cr |
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| Operating margin | 18.9% |
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| Net profit | ₹10.08 cr |
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| Net profit YoY | +35.8% |
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| Net profit QoQ | -81.2% |
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| Net margin | 3.8% |
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| Basic EPS | ₹1.87 |
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| TTM revenue | ₹1,071 cr |
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| TTM net profit | ₹157 cr |
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| TTM net margin | 14.7% |
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GICHSGFIN Q1 FY27 results: what the numbers say
GIC HOUSING FINANCE LTD (GICHSGFIN) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹265 cr and a net profit of ₹10.08 cr, translating into earnings per share of ₹1.87.
Compared with the same quarter a year earlier, revenue grew marginally by +0.7% and net profit grew strongly by +35.8%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
Operating profit for the quarter stood at ₹50.07 cr, an operating margin of 18.9% versus 21.9% a year ago — a contraction of 3.1 percentage points.
GICHSGFIN quarter-wise results table
Net profit
₹10.08 cr
+35.8% YoY
Operating profit
₹50.07 cr
-13.3% YoY
GIC HOUSING FINANCE LTD (GICHSGFIN) quarter-wise results — revenue, operating profit, net profit, margins, EPS and growth| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
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| Q1 FY272026-06-30 | ₹265 cr | ₹50.07 cr | ₹10.08 cr | 18.9% | 3.8% | ₹1.87 | +35.8% | -81.2% |
| Q4 FY262026-03-31 | ₹271 cr | ₹58.28 cr | ₹53.68 cr | 21.5% | 19.8% | ₹9.97 | — | +22.9% |
| Q3 FY262025-12-31 | ₹268 cr | ₹52.42 cr | ₹43.69 cr | 19.5% | 16.3% | ₹8.11 | — | -12.7% |
| Q2 FY262025-09-30 | ₹266 cr | ₹59.36 cr | ₹50.03 cr | 22.3% | 18.8% | ₹9.29 | — | +574.3% |
| Q1 FY262025-06-30 | ₹263 cr | ₹57.77 cr | ₹7.42 cr | 21.9% | 2.8% | ₹1.38 | — | — |
| TTM (last 4 quarters) | ₹1,071 cr | ₹220 cr | ₹157 cr | 20.6% | 14.7% | ₹29.24 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
GICHSGFIN quarterly income statement
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
GIC HOUSING FINANCE LTD quarterly income statement| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q2 FY262025-09-30 | Q1 FY262025-06-30 |
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| Revenue / Sales | ₹265 cr | ₹271 cr | ₹268 cr | ₹266 cr | ₹263 cr |
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| Total expenses | ₹215 cr | ₹212 cr | ₹216 cr | ₹207 cr | ₹206 cr |
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| Gross profit | ₹69.44 cr | ₹77.23 cr | ₹72.08 cr | ₹71.29 cr | ₹70.75 cr |
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| Operating profit (EBIT) | ₹50.07 cr | ₹58.28 cr | ₹52.42 cr | ₹59.36 cr | ₹57.77 cr |
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| Operating margin | 18.9% | 21.5% | 19.5% | 22.3% | 21.9% |
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| Profit before tax | ₹17.74 cr | ₹63.4 cr | ₹54.86 cr | ₹61.26 cr | -₹20.31 cr |
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| Tax expense | ₹7.66 cr | ₹9.72 cr | ₹11.17 cr | ₹11.23 cr | -₹27.73 cr |
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| Effective tax rate | 43.2% | 15.3% | 20.4% | 18.3% | 136.5% |
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| Net profit (PAT) | ₹10.08 cr | ₹53.68 cr | ₹43.69 cr | ₹50.03 cr | ₹7.42 cr |
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| Net profit margin | 3.8% | 19.8% | 16.3% | 18.8% | 2.8% |
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| Basic EPS | ₹1.87 | ₹9.97 | ₹8.11 | ₹9.29 | ₹1.38 |
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| Diluted EPS | ₹1.87 | ₹9.97 | ₹8.11 | ₹9.29 | ₹1.38 |
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GICHSGFIN results growth — YoY and QoQ
Quarterly growth rates, year on year and quarter on quarter| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 |
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| Revenue YoY | +0.7% | — | — | — | — |
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| Revenue QoQ | -2.0% | +0.8% | +0.9% | +1.1% | — |
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| Operating profit YoY | -13.3% | — | — | — | — |
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| Operating profit QoQ | -14.1% | +11.2% | -11.7% | +2.8% | — |
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| Net profit YoY | +35.8% | — | — | — | — |
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| Net profit QoQ | -81.2% | +22.9% | -12.7% | +574.3% | — |
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| EPS YoY | +35.5% | — | — | — | — |
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| EPS QoQ | -81.2% | +22.9% | -12.7% | +573.2% | — |
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GICHSGFIN annual results history
Full-year performance for GIC HOUSING FINANCE LTD, useful for reading each quarter in context.
GIC HOUSING FINANCE LTD annual income statement| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
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| Revenue / Sales | ₹1,052 cr | ₹1,037 cr | ₹1,031 cr | ₹1,085 cr |
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| Total expenses | ₹848 cr | ₹848 cr | ₹840 cr | ₹816 cr |
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| Gross profit | ₹299 cr | ₹281 cr | ₹274 cr | ₹340 cr |
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| Operating profit (EBIT) | ₹204 cr | ₹190 cr | ₹191 cr | ₹269 cr |
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| Operating margin | 19.4% | 18.3% | 18.6% | 24.8% |
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| Interest cost | ₹3 cr | ₹1.68 cr | ₹1.65 cr | ₹1.53 cr |
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| Profit before tax | ₹159 cr | ₹207 cr | ₹204 cr | ₹290 cr |
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| Tax expense | ₹4.39 cr | ₹46.28 cr | ₹52.81 cr | ₹76.6 cr |
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| Effective tax rate | 2.8% | 22.4% | 25.9% | 26.4% |
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| Net profit (PAT) | ₹155 cr | ₹160 cr | ₹151 cr | ₹213 cr |
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| Net profit margin | 14.7% | 15.5% | 14.7% | 19.7% |
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| Basic EPS | ₹28.75 | ₹29.79 | ₹28.11 | ₹39.60 |
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| Diluted EPS | ₹28.75 | ₹29.79 | ₹28.11 | ₹39.60 |
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Revenue trend and demand read-through
Topline for Q1 FY27 came in at ₹265 cr against ₹263 cr in Q1 FY26, and ₹271 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue declined -2.0%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Total expenses for the quarter were ₹215 cr, or 81.1% of revenue, with operating profit declined -13.3% year on year.
Margins, tax and profitability
Net profit of ₹10.08 cr works out to a net margin of 3.8% compared with 2.8% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, GIC HOUSING FINANCE LTD reported profit before tax of ₹17.74 cr, a tax charge of ₹7.66 cr (effective rate 43.2%). Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹53.68 cr in Q4 FY26 to ₹10.08 cr in Q1 FY27, a change of -81.2%.
Trailing twelve months and annual context
Across the trailing four quarters GIC HOUSING FINANCE LTD has generated revenue of ₹1,071 cr and net profit of ₹157 cr, a trailing net margin of 14.7%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹1,052 cr with net profit of ₹155 cr and EPS of ₹28.75, versus the prior year where revenue grew +1.4% and profit declined -3.5%.
What to watch in the next GICHSGFIN quarter
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
GIC HOUSING FINANCE LTD has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
GICHSGFIN results coverage
No results report published for GICHSGFIN yet — our desk covers each quarter within minutes of the filing.
GICHSGFIN quarterly results FAQs
What were GIC HOUSING FINANCE LTD (GICHSGFIN) Q1 FY27 results?
In Q1 FY27 (quarter ended 30 Jun 2026), GIC HOUSING FINANCE LTD reported revenue of ₹265 cr and net profit of ₹10.08 cr, a change of +35.8% year on year on +0.7% revenue growth. EPS stood at ₹1.87.
What is GICHSGFIN profit margin in Q1 FY27?
GIC HOUSING FINANCE LTD posted a net profit margin of 3.8% and an operating margin of 18.9% in Q1 FY27. On a trailing twelve-month basis, revenue is ₹1,071 cr and net profit ₹157 cr.
Did GICHSGFIN results beat the previous quarter?
GIC HOUSING FINANCE LTD net profit changed -81.2% quarter on quarter, from ₹53.68 cr in Q4 FY26 to ₹10.08 cr in Q1 FY27.
When are GIC HOUSING FINANCE LTD (GICHSGFIN) quarterly results?
GIC HOUSING FINANCE LTD has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Where can I see GICHSGFIN latest quarterly results?
Results coverage for GICHSGFIN will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the GICHSGFIN stock page.
What is GIC HOUSING FINANCE LTD annual revenue and profit?
For FY26, GIC HOUSING FINANCE LTD reported full-year revenue of ₹1,052 cr and net profit of ₹155 cr, with EPS of ₹28.75.
How many quarterly results has GICHSGFIN declared recently?
Past results dates for GICHSGFIN will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 12 Sept 2026. For information only, not investment advice.
