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SRG Housing Finance Ltd.

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srghousing.comBSE: 534680NSE: SRGHFL
Market Cap₹ 239 Cr.
Current Price
High / Low₹ 335 / 156
Stock P/E7.0
Book Value₹ 194
Price to Book1.83
Dividend Yield0.00 %
ROCE12.3 %
ROE11.6 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 47.8%
  • Solid return on assets for a lender - ROA of 3.2%
  • Asset quality is healthy - gross NPA of just 1.8%
  • Company has delivered good sales growth of 16.3% CAGR over last 5 years

CONS

  • Promoter holding has decreased over last 2 years: -8.5pp
  • Free cash flow has been persistently negative
  • Equity base is being diluted - shares outstanding up 20.6%
  • Operating margins have contracted to 63.2% from 73.5%
  • Company has delivered a poor profit growth of 6.3% over past five years
  • Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.SRGHFL152.357.00239.310.008.4724.9653.9537.7012.2964.99
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
25283033323437413945485554
10101114121215171719192244
Operating Profit17202123222424262529313635
OPM %68.69%70.99%70.61%69.30%69.57%70.21%65.04%63.87%63.96%65.21%65.69%64.51%64.99%
Other Income0100011011100
Interest11131314141517171718202324
Depreciation1122222212211
57787878810101210
Tax %15.55%20.18%20.60%19.97%14.83%20.77%19.94%19.27%13.63%20.06%20.98%20.19%15.37%
Net Profit4556676678898
3445454445561

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
1015345871747991125152202
341115182023324456103
Operating Profit710234354545759819698
OPM %67.13%69.23%66.51%74.10%75.31%72.81%71.52%64.66%64.76%63.17%48.73%
00001323232
Interest46112330313137516285
Depreciation00012223676
Profit before Tax34111922242621263042
Tax %32.58%32.77%27.35%24.77%20.10%20.78%20.40%18.94%19.31%18.84%19.21%
Net Profit2381518192017212434
EPS0.000.000.000.000.0014.4915.6312.9515.8315.56—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
36%
5 Years:
16%
3 Years:
24%

COMPOUNDED PROFIT GROWTH

10 Years:
32%
5 Years:
6%
3 Years:
6%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
-14%
1 Year:
-48%

RETURN ON EQUITY

10 Years:
18%
5 Years:
16%
3 Years:
13%
Last Year:
12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

No bonus data found

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital11131313131313131316
52129446281101118145247
3275167255246286287357503595
Trade Payables0111033346
113878811131-1
Total Liabilities59112218320328391415504665863
1112437242724
Capital Work in Progress0000025000
10019262712936
Cash & Bank22262833272523518
5689210289282333351444625785
Total Assets59112218320328391415504665863

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-12-23-872129-229-78-140-131
Cash from Investing-20-1-1-9-19-69-1-31
Cash from Financing16447489-940173139173
220-16215-6-2-1-210

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
67.5464.6964.7959.1359.1159.1159.0659.0359.02
0.000.000.000.000.010.000.000.000.00
0.000.010.010.010.000.000.000.000.00
Government0.000.000.000.000.000.000.000.000.00
32.4635.2935.2040.8640.8840.8940.9440.9740.98

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11
Credit Rating

2026-09-11 - SRG Housing Finance Limited has informed the Exchange about Credit Rating

2026-09-10
Rumour Verification - Regulation 30(11)

2026-09-10 - SRG Housing Finance Limited has informed the Exchange about Rumour Verification - Regulation 30(11)

2026-09-03
Copy of Newspaper Publication

2026-09-03 - SRG Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication regarding 27th Annual General Meeting to be held on Monday, 28th September, 2026.

2026-09-01
Shareholders meeting

2026-09-01 - SRG Housing Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026 along with Annual Report For The Financial Year 2025-26.

2026-08-26
Copy of Newspaper Publication

2026-08-26 - SRG Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication with Regards to Pre-Dispatch of Notice of AGM to be held on 28th September, 2026 through Video Conferencing/Other Audio-visual Means.

2026-08-21
General Updates

2026-08-21 - SRG Housing Finance Limited has informed the Exchange about General Updates Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

2026-08-11
Investor Presentation

2026-08-11 - SRG Housing Finance Limited has informed the Exchange about Investor Presentation

2026-08-06
Copy of Newspaper Publication

2026-08-06 - SRG Housing Finance Limited has informed the Exchange about Copies of Newspaper Clippings of Unaudited Financial Results for the Quarter ended June 30, 2026

2026-08-05
Outcome of Board Meeting

2026-08-05 - SRG Housing Finance Limited has submitted to the Exchange, the Un-audited financial results for the period ended Jun 30, 2026.

News

Recent coverage and analyst commentary for SRGHFL

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