SRG Housing Finance Limited SRGHFL NSEFINANCIAL
Financial Services · Mortgage Finance · India
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.
READ MORE ›₹284.25
-8.89% 1Y
Market & Price
Market Cap
₹446.45 Cr
Current Price
₹284.25
High / Low (52W)
₹329.20 / ₹232.60
Beta
0.09
Valuation
Stock P/E
13.74
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹178.04
Price to Book
1.60
P/S
3.75
EV/EBITDA
-
Dividend Yield
-
Profitability & Returns
ROCE
3.63%
ROE
11.59%
ROA
3.18%
Profit Margin
27.32%
Op Margin
34.64%
EPS (Latest Qtr)
₹5.89
EPS (TTM)
₹20.69
Balance Sheet & Liquidity
Debt/Equity
2.92
Quick Ratio
14.00
Current Ratio
14.03
Debt
₹868.20 Cr
Total Assets
₹1,174.75 Cr
Current Assets
₹1,045.33 Cr
Working Capital
₹1,040.22 Cr
Ownership
Promoter Holding
74.94%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹1,307.79 Cr
Total Revenue (TTM)
₹118.91 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-247.37 Cr
Shares Outstanding
₹1.57 Cr
Gross Margin
100.00%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
31.18%
Profit 5Y
23.96%
Revenue (YoY)
23.80%
Earnings (YoY)
33.00%
PROS
- Excellent profit margin of 27.3%.
- Compounding revenue at 31.2% over 5 years.
- Profit CAGR of 24.0% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SRGHFL SRG Housing Finance Limited NSEFINANCIAL | 284.25 | 13.74 | ₹446.45 Cr | - | 3.63% | 11.59% | 31.18% | 23.96% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Ad space
Quarterly Results
Figures in INR.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 40.61 Cr | 39.03 Cr | 44.79 Cr | 47.40 Cr | 54.99 Cr |
| Cost of Revenue | 27.58 Cr | 28.34 Cr | 30.82 Cr | 32.85 Cr | 36.20 Cr |
| Gross Profit | 13.03 Cr | 10.69 Cr | 13.97 Cr | 14.54 Cr | 18.80 Cr |
| Operating Expenses | 4.46 Cr | 3.37 Cr | 3.89 Cr | 4.30 Cr | 6.23 Cr |
| Operating Income | 8.57 Cr | 7.31 Cr | 10.08 Cr | 10.24 Cr | 12.57 Cr |
| EBITDA | 10.37 Cr | 8.75 Cr | 11.59 Cr | 11.77 Cr | 14.00 Cr |
| Interest Expense | - | - | - | - | - |
| Pretax Income | 7.67 Cr | 7.85 Cr | 10.32 Cr | 10.39 Cr | 11.59 Cr |
| Tax Provision | 1.48 Cr | 1.07 Cr | 2.07 Cr | 2.18 Cr | 2.34 Cr |
| Net Income | 6.19 Cr | 6.78 Cr | 8.25 Cr | 8.21 Cr | 9.25 Cr |
| Diluted EPS | 4.16 | 4.32 | 5.26 | 5.23 | 5.89 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 83.49 Cr | 113.78 Cr | 142.84 Cr | 188.46 Cr |
| Cost of Revenue | - | 53.29 Cr | 73.44 Cr | 99.46 Cr | 128.21 Cr |
| Gross Profit | - | 30.20 Cr | 40.34 Cr | 43.38 Cr | 60.25 Cr |
| Operating Expenses | - | 9.32 Cr | 15.47 Cr | 15.24 Cr | 17.79 Cr |
| Operating Income | - | 20.88 Cr | 24.87 Cr | 28.14 Cr | 42.46 Cr |
| EBITDA | - | 25.25 Cr | 32.97 Cr | 34.79 Cr | 48.37 Cr |
| Interest Expense | 12.45 L | 75.12 L | 1.10 Cr | 1.27 Cr | - |
| Pretax Income | - | 21.04 Cr | 26.10 Cr | 30.06 Cr | 40.15 Cr |
| Tax Provision | - | 3.99 Cr | 5.04 Cr | 5.66 Cr | 7.66 Cr |
| Net Income | - | 17.06 Cr | 21.06 Cr | 24.39 Cr | 32.49 Cr |
| Diluted EPS | 15.63 | 12.95 | 15.60 | 17.44 | - |
Compounded Sales Growth
| 5 Years: | 31.18% |
| 1 Year: | 23.80% |
Compounded Profit Growth
| 5 Years: | 23.96% |
| 1 Year: | 33.00% |
Stock Price Performance
| 1 Year: | -8.89% |
| 6 Months: | +8.55% |
| 3 Months: | +7.02% |
| 1 Month: | +2.47% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 507.65 Cr | 670.36 Cr | 869.18 Cr | 1,174.75 Cr |
| Current Assets | - | 104.33 Cr | 138.74 Cr | 168.94 Cr | 1,045.33 Cr |
| Cash & Equivalents | - | 3.92 Cr | 2.45 Cr | 15.49 Cr | 6.77 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 4.79 Cr | 6.43 Cr | - | - | - |
| Total Liabilities | - | 374.39 Cr | 510.69 Cr | 605.23 Cr | 877.84 Cr |
| Current Liabilities | - | 130.78 Cr | 120.42 Cr | 145.00 Cr | 5.11 Cr |
| Long Term Debt | - | 233.69 Cr | 376.95 Cr | 448.77 Cr | 856.91 Cr |
| Total Debt | - | 367.62 Cr | 504.11 Cr | 595.97 Cr | 856.91 Cr |
| Total Equity | - | 133.26 Cr | 159.67 Cr | 263.95 Cr | 296.91 Cr |
| Shares Outstanding | - | 1.30 Cr | 1.33 Cr | 1.57 Cr | 1.57 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 Cr | 138.55 Cr | 172.92 Cr | 273.28 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 Cr | 10.22 Cr | -13.27 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
74.94%
Institutions
0.00%
Public Float
0.00%
Analyst View
Loading analyst coverage…
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SRGHFL
No recent headlines available.