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SRG Housing Finance Limited SRGHFL NSEFINANCIAL

Financial Services · Mortgage Finance · India
https://srghousing.com
Company Profile ↓
₹101.12
-68.29% 1Y
Mkt Cap₹158.84 Cr
P/E4.64
P/B0.61
52W High₹320.00
52W Low₹101.12
Book Value₹189.08
EPS (TTM)₹21.77

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. 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 4.6, below the sector median of 15.2.

Healthy Margins

Maintains a net profit margin of 27.7%.

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 +18.5%, earnings +24.8%.
  • 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:18.50%

Compounded Profit Growth

5 Years:23.96%
1 Year:24.80%

Stock Price Performance

1 Year:-68.29%
6 Months:-63.96%
3 Months:-67.33%
1 Month:-29.66%

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

Technical Snapshot Bearish
52-Week Range 0% of range
₹101.12 ₹320.00
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)19.38 · Oversold
Price Performance
1M-29.66%
3M-67.33%
6M-63.96%
1Y-68.29%
Valuation vs Sector

P/E of 4.64 is below the sector median of 15.25 — 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

  • Excellent profit margin of 27.7%.
  • Compounding revenue at 31.2% over 5 years.
  • Profit CAGR of 24.0% over 5 years.

CONS

  • Trading 68.4% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).
  • RSI at 19 suggests oversold conditions.

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

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Valuation

Stock P/E
4.64
Industry PE
15.25
Forward P/E est.
3.72
PEG Ratio
-
Book Value
₹189.08
Price to Book
0.61
P/S
1.47
EV/EBITDA
27.05
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
31.18%
Profit 5Y
23.96%
Revenue (YoY)
18.50%
Earnings (YoY)
24.80%

Profitability & Returns

ROCE
3.63%
ROE
10.94%
ROA
2.77%
Profit Margin
27.66%
Op Margin
33.33%
Gross Margin
100.00%
EPS (Latest Qtr)
₹5.89
EPS (TTM)
₹21.77

Balance Sheet & Liquidity

Debt/Equity
2.92
Quick Ratio
-
Current Ratio
204.38
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
75.83%
Chg in Prom Hold
0.96%
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹158.84 Cr
Total Revenue (TTM)
₹123.59 Cr
EBITDA
₹48.37 Cr
Free Cash Flow
₹-249.40 Cr
Operating Cash Flow
₹-247.37 Cr
Shares Outstanding
₹1.57 Cr
Gross Margin
100.00%
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 101.12 4.64 ₹158.84 Cr 0.00% 3.63% 10.94% 31.18% 23.96%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
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
75.83%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for SRGHFL

Google News ue, 20 Oct 2026

SRG Housing Finance (SRGHFL.NS) Eases 0.64% to ₹111.01, Holding Above ₹105 Support - Wave Equality - https://www.siam.in/

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Google News Fri, 11 Sep 2026

SRG Housing Finance Faces Sharp Breakdown - Kalkine India

<a href="https://news.google.com/rss/articles/CBMivAFBVV95cUxPMTZINjI1OHpaYVBVb2VqZlplNlM5VjJhWThKRWdPZ3h5TFpQZjVzSXB1NmVwMVk4LXBlbTZyRExNVi1NUk1zakxOM1pQbVJEbC1hVllrdnRFWFNkRXdSUE1xMW0xRWFteHQ2S3NfTk9hTDFSeXVtMWdBYUlpY09ic3hJUUt1QS1hV0tYdG…

Google News hu, 15 Oct 2026

SRG Housing Finance Share Price: price action and basics - Univest

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Google News Sat, 27 Dec 2025

Improved Earnings Required Before SRG Housing Finance Limited (NSE:SRGHFL) Shares Find Their Feet - Simply Wall Street

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Google News Mon, 09 Dec 2024

SRGHFL Stock Price and Chart — NSE:SRGHFL - TradingView

<a href="https://news.google.com/rss/articles/CBMiW0FVX3lxTE90WGVHQkNXckZEdU1TUTJBU3hLbDJCSHZsdnF4UVRhTkNCcW1ka1dwazQ1NlltV3o4cGd6ekdTUFVOVk9qdnRMSEJHclpMWlBLTXEyT2dETnNqM2s?oc=5" target="_blank">SRGHFL Stock Price and Chart — NSE:SRGHFL</a…

Google News Sat, 11 May 2024

SRG Housing Finance Limited (SRGHFL.NS) stock price, news, quote and history - Yahoo Finance Singapore

<a href="https://news.google.com/rss/articles/CBMiWEFVX3lxTFBsUUtwZGlnTllDRzRXVk12YXNBWXE2SF9sckhFdUU4OUJib2xQaEVkNTE2ajNsU1JIUmNHZUlLeVEtNFhSeFRaQl9GV09yNEVyQXpMcm9LMnY?oc=5" target="_blank">SRG Housing Finance Limited (SRGHFL.NS) stock pr…

SRGHFL — Frequently Asked Questions

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

As of 2026-10-24 04:55 IST, SRG Housing Finance Limited (SRGHFL) trades at ₹101.12 on NSE. Its 52-week range is ₹101.12 to ₹320.00.

What is the market capitalisation of SRGHFL?

SRG Housing Finance Limited (SRGHFL) has a market capitalisation of ₹158.84 Cr on NSE.

What is the P/E ratio of SRGHFL?

SRGHFL trades at a trailing price-to-earnings (P/E) ratio of 4.64. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 0.61.

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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