GIC Housing Finance Q4 FY26: Net profit jumps 52.5%

GIC Housing Finance Q4 FY26 results: what changed

GIC Housing Finance Ltd reported a strong jump in March-quarter profit for FY26, even as revenue remained largely flat. The company also signalled a wider agenda around capital raising when it called a board meeting to approve audited results and consider issuing non-convertible debentures (NCDs). For investors tracking housing finance names, the update matters for two reasons: profitability improved sharply year-on-year, and the company reiterated shareholder returns through a dividend.

The stock data points in the provided information place the share price in the ₹150 to ₹154 band, including a reference price of ₹153.91 and another of ₹150.48. One snapshot also shows a move to 154.00, up 4.80 (3.22%). These prices give context to dividend yield calculations mentioned in the same dataset.

Board meeting on 15 May 2026: results, dividend and NCD plan

In a BSE disclosure, GIC Housing Finance said its Board of Directors meeting was scheduled for 15 May 2026. The agenda included approval of audited standalone and consolidated financial results for the fourth quarter and financial year ended 31 March 2026.

The filing also listed consideration and recommendation of dividend, if any, for the year ended 31 March 2026. Another key item was approval for raising funds by issuing NCDs, along with other business matters. The combination of audited results, dividend consideration, and fund-raising approval typically indicates a comprehensive year-end review.

Q4 FY26 profit rises sharply despite steady revenue

For the quarter ended March 2026, the company reported net profit of ₹53.68 crore. The provided change table shows net profit rose 22.9% quarter-on-quarter from ₹43.69 crore in the December 2025 quarter and increased 52.5% year-on-year from ₹35.20 crore in the March 2025 quarter.

Revenue, however, was largely stable. Total revenue for the latest quarter is reported at ₹273.47 crore, compared with ₹272.65 crore in the previous quarter, a 0.3% quarter-on-quarter increase. On a year-on-year basis, total revenue was down 0.9% from ₹275.83 crore.

Adjusted EPS for the latest quarter is shown at 9.97, up from 8.11 in the previous quarter and 6.54 in the year-ago quarter, broadly mirroring the profit trajectory.

Revenue and cost line items: quarterly trend from Mar 2025 to Mar 2026

The quarterly table (all figures in ₹ crore) shows operating revenue stayed in a tight range across five quarters, ending at ₹272.70 crore in March 2026. Other income varied, with March 2026 at ₹0.74 crore.

Interest expended is the dominant cost line in the dataset, at ₹168.35 crore in March 2026, down from ₹172.94 crore in December 2025 and ₹173.56 crore in March 2025. Operating expenses were ₹39.04 crore in March 2026, compared with ₹42.12 crore in December 2025.

The same table shows “Total Provisions” at zero for most quarters listed and -₹13.06 crore in March 2025, indicating a one-off movement in that period as per the provided figures.

Dividend declared: ₹4.50 per share for March 2026 quarter

The dataset states that GIC Housing Finance declared a dividend of ₹4.50 per share on 15 May 2026 for the quarter ending March 2026. It also provides a dividend yield figure of 5.87% tied to that declaration.

Separately, another line item notes a dividend yield of 6.0% based on dividends declared over the last twelve months and the current share price. Since share price references vary across the provided inputs, the yield numbers should be read as reported in the source data rather than recalculated.

Trading window closure from 30 June 2026 for Q1 FY27 results

GIC Housing Finance said it shut its trading window from 30 June 2026 until the declaration of Q1 FY27 results, in line with SEBI (Prohibition of Insider Trading) Regulations, 2015, and the company’s internal code. The restriction applies to Directors, Promoters, Designated Officers, Connected Persons, and their immediate relatives.

The company stated the trading window would reopen 48 hours after the financial results are made public. The board meeting date for Q1 FY27 results was described as pending in the provided text.

Q1 FY27 expectations mentioned in the dataset (Uniresearch estimate)

The provided material includes an external estimate labelled as a Uniresearch prediction for Q1 FY27. It projects revenue of ₹256 crore, a 3.3% year-on-year decline, and PAT of ₹4 crore, a 50.0% year-on-year decline.

The same section states Q1 FY26 actuals as revenue of ₹265 crore and PAT of ₹7 crore, used as the base for the estimate. It also notes that the Q1 FY27 results date was not officially announced at the time of that write-up.

Shareholding snapshot: promoters at 42.41% through Jun 2026

Shareholding tables in the dataset show promoters holding 42.41% across multiple quarters from Jun 2025 through Jun 2026. The same material also provides a compact snapshot: Promoter 42.4%, FII 1.4%, DII 2.5%, Public 53.6% (latest dated 2026-06-30).

Among listed institutional holders in the tables, Life Insurance Corporation of India is shown at 5.51% in Jun 2025 and 2.53% in Jun 2026. The tables also list general insurance-related entities with stable holdings, including General Insurance Corporation (15.26%), National Insurance (5.63%), and The New India Assurance (8.65%) across the periods shown.

Key numbers at a glance

Why the update matters for investors

The March-quarter numbers show that profitability improved sharply year-on-year even though revenue moved marginally lower compared with the year-ago quarter. The same set of disclosures also highlights a potential funding plan through NCDs, which can be relevant for a lender’s liability profile and cost of funds, although the provided text does not specify amounts or timelines.

The trading window closure adds a compliance milestone ahead of Q1 FY27 results, and it indicates the company is in a closed period until financial information becomes public. For shareholders, the dividend announcement and the dividend yield figures provided in the dataset are the direct, measurable return items linked to the period.

Conclusion

GIC Housing Finance’s Q4 FY26 update combines a 52.5% year-on-year rise in net profit to ₹53.68 crore with a ₹4.50 per share dividend declared on 15 May 2026. The company has also shut its trading window from 30 June 2026 until Q1 FY27 results are announced, with reopening scheduled 48 hours after disclosure.