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SRG Housing Finance Limited SRGHFL NSEFINANCIAL

Financial Services · Mortgage Finance · India
https://srghousing.com
Company Profile ↓
₹315.00
+0.00% 1Y
Mkt Cap₹494.61 Cr
P/E18.06
P/B1.61
52W High₹329.20
52W Low₹232.60
Book Value₹189.09
EPS (TTM)₹17.44

Company Overview

SRG Housing Finance Limited operates as a housing finance company in India. The company offers home loans, including construction, repair renovation and extension, new purchase, resale home purchase, plot and construction, and builder/project loans; loans against residential and commercial properties; balance transfer loan; and top-up loans. It offers its services to low- and middle-income individuals, including self-employed individuals and small to medium-sized business owners. The company was incorporated in 1999 and is headquartered in Udaipur, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 24.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 31.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 18.1, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 17.2%.

Recent Developments

  • Mar 2026 Revenue of ₹188.46 Cr (+31.9% YoY); net profit ₹32.49 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +31.9%, earnings +33.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 31.2%, profit CAGR 24.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:31.18%
1 Year:31.94%

Compounded Profit Growth

5 Years:23.96%
1 Year:33.19%

Stock Price Performance

1 Year:+0.00%
6 Months:+12.56%
3 Months:+17.61%
1 Month:+14.11%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 85% of range
₹232.60 ₹329.20
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)64.21 · Neutral
Price Performance
1M+14.11%
3M+17.61%
6M+12.56%
1Y+0.00%
Valuation vs Sector

P/E of 18.06 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 31.2% over 5 years.
  • Profit CAGR of 24.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
18.06
Industry PE
19.81
Forward P/E est.
13.56
PEG Ratio
-
Book Value
₹189.09
Price to Book
1.61
P/S
4.03
EV/EBITDA
27.48
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
31.18%
Profit 5Y
23.96%
Revenue (YoY)
31.94%
Earnings (YoY)
33.19%

Profitability & Returns

ROCE
3.63%
ROE
10.94%
ROA
2.77%
Profit Margin
17.24%
Op Margin
22.53%
Gross Margin
31.97%
EPS (Latest Qtr)
₹5.89
EPS (TTM)
₹17.44

Balance Sheet & Liquidity

Debt/Equity
2.89
Quick Ratio
14.00
Current Ratio
204.38
Debt
₹856.91 Cr
Total Assets
₹1,174.75 Cr
Current Assets
₹1,045.33 Cr
Working Capital
₹1,040.22 Cr

Ownership

Promoter Holding
74.93%
Chg in Prom Hold
-0.01%
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹494.61 Cr
Total Revenue (TTM)
₹188.46 Cr
EBITDA
₹48.37 Cr
Free Cash Flow
₹-249.40 Cr
Operating Cash Flow
₹-247.37 Cr
Shares Outstanding
₹1.57 Cr
Gross Margin
31.97%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SRGHFL SRG Housing Finance Limited NSEFINANCIAL 315.00 18.06 ₹494.61 Cr 0.00% 3.63% 10.94% 31.18% 23.96%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 40.61 Cr39.03 Cr44.79 Cr47.40 Cr54.99 Cr
Cost of Revenue 27.58 Cr28.34 Cr30.82 Cr32.85 Cr36.20 Cr
Gross Profit 13.03 Cr10.69 Cr13.97 Cr14.54 Cr18.80 Cr
Operating Expenses 4.46 Cr3.37 Cr3.89 Cr4.30 Cr6.23 Cr
Operating Income 8.57 Cr7.31 Cr10.08 Cr10.24 Cr12.57 Cr
EBITDA 10.37 Cr8.75 Cr11.59 Cr11.77 Cr14.00 Cr
Interest Expense -----
Pretax Income 7.67 Cr7.85 Cr10.32 Cr10.39 Cr11.59 Cr
Tax Provision 1.48 Cr1.07 Cr2.07 Cr2.18 Cr2.34 Cr
Net Income 6.19 Cr6.78 Cr8.25 Cr8.21 Cr9.25 Cr
Diluted EPS 4.164.325.265.235.89

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -83.49 Cr113.78 Cr142.84 Cr188.46 Cr
Cost of Revenue -53.29 Cr73.44 Cr99.46 Cr128.21 Cr
Gross Profit -30.20 Cr40.34 Cr43.38 Cr60.25 Cr
Operating Expenses -9.32 Cr15.47 Cr15.24 Cr17.79 Cr
Operating Income -20.88 Cr24.87 Cr28.14 Cr42.46 Cr
EBITDA -25.25 Cr32.97 Cr34.79 Cr48.37 Cr
Interest Expense 12.45 L75.12 L1.10 Cr1.27 Cr-
Pretax Income -21.04 Cr26.10 Cr30.06 Cr40.15 Cr
Tax Provision -3.99 Cr5.04 Cr5.66 Cr7.66 Cr
Net Income -17.06 Cr21.06 Cr24.39 Cr32.49 Cr
Diluted EPS 15.6312.9515.6017.44-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -507.65 Cr670.36 Cr869.18 Cr1,174.75 Cr
Current Assets -104.33 Cr138.74 Cr168.94 Cr1,045.33 Cr
Cash & Equivalents -3.92 Cr2.45 Cr15.49 Cr6.77 Cr
Inventory -----
Receivables 4.79 Cr6.43 Cr---
Total Liabilities -374.39 Cr510.69 Cr605.23 Cr877.84 Cr
Current Liabilities -130.78 Cr120.42 Cr145.00 Cr5.11 Cr
Long Term Debt -233.69 Cr376.95 Cr448.77 Cr856.91 Cr
Total Debt -367.62 Cr504.11 Cr595.97 Cr856.91 Cr
Total Equity -133.26 Cr159.67 Cr263.95 Cr296.91 Cr
Shares Outstanding -1.30 Cr1.33 Cr1.57 Cr1.57 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --83.22 Cr-140.13 Cr-131.49 Cr-247.37 Cr
Investing Cash Flow -8.58 Cr-62.78 L-31.21 Cr-39.17 Cr
Financing Cash Flow -73.23 Cr138.55 Cr172.92 Cr273.28 Cr
Capital Expenditure --6.54 Cr-3.77 Cr-3.96 Cr-2.03 Cr
Free Cash Flow --89.76 Cr-143.90 Cr-135.45 Cr-249.40 Cr
Net Change in Cash --1.41 Cr-2.21 Cr10.22 Cr-13.27 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -36.2%35.5%30.4%32.0%
Operating Margin % -25.0%21.9%19.7%22.5%
Net Margin % -20.4%18.5%17.1%17.2%
ROE % -12.8%13.2%9.2%10.9%
ROCE % -5.5%4.5%3.9%3.6%

Shareholding Pattern

Insiders
74.93%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for SRGHFL

Google News hu, 09 Jul 2026

Price to earnings forward of SRG Housing Finance Ltd. – BSE:SRGHFL - TradingView

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Google News Sat, 27 Dec 2025

Improved Earnings Required Before SRG Housing Finance Limited (NSE:SRGHFL) Shares Find Their Feet - simplywall.st

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Google News ue, 29 Oct 2024

SRG Housing Finance's net profit rises 25.48% in Q2 FY25 - Construction World

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SRGHFL — Frequently Asked Questions

What is the current share price of SRG Housing Finance Limited (SRGHFL)?

As of 2026-07-15 09:52 IST, SRG Housing Finance Limited (SRGHFL) trades at ₹315.00 on NSE. Its 52-week range is ₹232.60 to ₹329.20.

What is the market capitalisation of SRGHFL?

SRG Housing Finance Limited (SRGHFL) has a market capitalisation of ₹494.61 Cr on NSE.

What is the P/E ratio of SRGHFL?

SRGHFL trades at a trailing price-to-earnings (P/E) ratio of 18.06. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.61.

What is the return on equity (ROE) of SRGHFL?

SRGHFL has a return on equity (ROE) of 10.94%. Its return on capital employed (ROCE) is 3.63%.

Is SRGHFL a good stock to buy?

This page provides a data-driven analysis of SRG Housing Finance Limited (SRGHFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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