SRG Housing Finance Ltd.
•₹ 264.250.69%
2026-08-21
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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJAJHFL | 85.01 | 680.04 | 70833.18 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| 2. | PIRAMALFIN | 2054.70 | 27.61 | 46575.47 | 0.54 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| 3. | HUDCO | 188.55 | 8.87 | 37745.82 | 3.21 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| 4. | PNBHOUSING | 1175.50 | 13.23 | 30632.35 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| 5. | LICHSGFIN | 498.50 | 4.78 | 27420.64 | 2.01 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| 6. | AADHARHFC | 477.45 | 18.32 | 20899.77 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| 7. | SAMMAANCAP | 153.65 | 0.00 | 17893.42 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | 3.64 | 99.91 |
| 8. | APTUS | 252.90 | 12.86 | 12665.68 | 1.78 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| 9. | HOMEFIRST | 1182.35 | 0.00 | 12359.55 | 0.44 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| 10. | AAVAS | 1375.45 | 22.23 | 10905.95 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 10.15 | 74.58 |
| 11. | CANFINHOME | 817.75 | 0.00 | 10888.72 | 1.83 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| 12. | SRGHFL | 260.10 | 0.00 | 408.55 | 0.00 | 8.47 | 24.96 | 53.95 | 37.70 | 12.29 | 64.99 |
Detailed Comparison with:
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 25 | 28 | 30 | 33 | 32 | 34 | 37 | 41 | 39 | 45 | 48 | 55 | 54 | |
| 10 | 10 | 11 | 14 | 12 | 12 | 15 | 17 | 17 | 19 | 19 | 22 | 44 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 0 |
| Interest | 11 | 13 | 13 | 14 | 14 | 15 | 17 | 17 | 17 | 18 | 20 | 23 | 24 |
| Depreciation | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 1 |
| 5 | 7 | 7 | 8 | 7 | 8 | 7 | 8 | 8 | 10 | 10 | 12 | 10 | |
| 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 Profit | 4 | 5 | 5 | 6 | 6 | 7 | 6 | 6 | 7 | 8 | 8 | 9 | 8 |
| 3 | 4 | 4 | 5 | 4 | 5 | 4 | 4 | 4 | 5 | 5 | 6 | 1 | |
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 14 | 14 | 16 | 16 | 16 | 16 | 16 | 16 |
| Reserves | 101 | 120 | 120 | 146 | 146 | 146 | 146 | 248 | 248 | 248 | 248 | 281 | 281 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 14 | 14 | 16 | 16 | 16 | 16 | 16 | 16 |
| Reserves | 101 | 120 | 120 | 146 | 146 | 146 | 146 | 248 | 248 | 248 | 248 | 281 | 281 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 25
- 10
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 11
- Depreciation
- 1
- 5
- Tax %
- 15.55%
- Net Profit
- 4
- 3
- Equity Capital
- 13
- Reserves
- 101
- Promoter Pledge %
- 0.00%
- Equity Capital
- 13
- Reserves
- 101
- Promoter Pledge %
- 0.00%
Sep 2023
- 28
- 10
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 13
- Depreciation
- 1
- 7
- Tax %
- 20.18%
- Net Profit
- 5
- 4
- Equity Capital
- 13
- Reserves
- 120
- Promoter Pledge %
- 0.00%
- Equity Capital
- 13
- Reserves
- 120
- Promoter Pledge %
- 0.00%
Dec 2023
- 30
- 11
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 13
- Depreciation
- 2
- 7
- Tax %
- 20.60%
- Net Profit
- 5
- 4
- Equity Capital
- 13
- Reserves
- 120
- Promoter Pledge %
- 0.00%
- Equity Capital
- 13
- Reserves
- 120
- Promoter Pledge %
- 0.00%
Mar 2024
- 33
- 14
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 14
- Depreciation
- 2
- 8
- Tax %
- 19.97%
- Net Profit
- 6
- 5
- Equity Capital
- 13
- Reserves
- 146
- Promoter Pledge %
- 0.00%
- Equity Capital
- 13
- Reserves
- 146
- Promoter Pledge %
- 0.00%
Jun 2024
- 32
- 12
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 14
- Depreciation
- 2
- 7
- Tax %
- 14.83%
- Net Profit
- 6
- 4
- Equity Capital
- 13
- Reserves
- 146
- Promoter Pledge %
- 0.00%
- Equity Capital
- 13
- Reserves
- 146
- Promoter Pledge %
- 0.00%
Sep 2024
- 34
- 12
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 15
- Depreciation
- 2
- 8
- Tax %
- 20.77%
- Net Profit
- 7
- 5
- Equity Capital
- 14
- Reserves
- 146
- Promoter Pledge %
- 0.00%
- Equity Capital
- 14
- Reserves
- 146
- Promoter Pledge %
- 0.00%
Dec 2024
- 37
- 15
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 17
- Depreciation
- 2
- 7
- Tax %
- 19.94%
- Net Profit
- 6
- 4
- Equity Capital
- 14
- Reserves
- 146
- Promoter Pledge %
- 0.00%
- Equity Capital
- 14
- Reserves
- 146
- Promoter Pledge %
- 0.00%
Mar 2025
- 41
- 17
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 17
- Depreciation
- 2
- 8
- Tax %
- 19.27%
- Net Profit
- 6
- 4
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
Jun 2025
- 39
- 17
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 17
- Depreciation
- 1
- 8
- Tax %
- 13.63%
- Net Profit
- 7
- 4
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
Sep 2025
- 45
- 19
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 18
- Depreciation
- 2
- 10
- Tax %
- 20.06%
- Net Profit
- 8
- 5
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
Dec 2025
- 48
- 19
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 20
- Depreciation
- 2
- 10
- Tax %
- 20.98%
- Net Profit
- 8
- 5
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
- Equity Capital
- 16
- Reserves
- 248
- Promoter Pledge %
- 0.00%
Mar 2026
- 55
- 22
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 23
- Depreciation
- 1
- 12
- Tax %
- 20.19%
- Net Profit
- 9
- 6
- Equity Capital
- 16
- Reserves
- 281
- Promoter Pledge %
- 0.00%
- Equity Capital
- 16
- Reserves
- 281
- Promoter Pledge %
- 0.00%
Jun 2026
- 54
- 44
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 24
- Depreciation
- 1
- 10
- Tax %
- 15.37%
- Net Profit
- 8
- 1
- Equity Capital
- 16
- Reserves
- 281
- Promoter Pledge %
- 0.00%
- Equity Capital
- 16
- Reserves
- 281
- Promoter Pledge %
- 0.00%
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 10 | 15 | 34 | 58 | 71 | 74 | 79 | 91 | 125 | 152 | 202 | |
| 3 | 4 | 11 | 15 | 18 | 20 | 23 | 32 | 44 | 56 | 103 | |
| Operating Profit | 7 | 10 | 23 | 43 | 55 | 57 | 58 | 62 | 83 | 99 | — |
| OPM % | 67 | 69 | 67 | 75 | 77 | 77 | 74 | 67 | 66 | 65 | — |
| Other Income | 0 | 0 | 0 | 0 | 1 | 3 | 2 | 3 | 2 | 3 | 2 |
| Interest | 4 | 6 | 11 | 23 | 30 | 31 | 31 | 37 | 51 | 62 | 85 |
| Depreciation | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 6 | 7 | 6 |
| 3 | 4 | 11 | 19 | 22 | 24 | 26 | 21 | 26 | 30 | 42 | |
| Tax % | 33 | 33 | 27 | 25 | 20 | 21 | 20 | 19 | 19 | 19 | 19 |
| Net Profit | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 | 21 | 24 | 34 |
| EPS | 0 | 0 | 0 | 0 | 0 | 14 | 16 | 13 | 16 | 16 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 2 | 2 | 6 | 11 | 14 | 14 | 16 | 13 | 16 | 16 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 2 | 2 | 6 | 11 | 14 | 14 | 16 | 13 | 16 | 16 | — |
Mar 2016
- 10
- 3
- Operating Profit
- 7
- OPM %
- 67
- Other Income
- 0
- Interest
- 4
- Depreciation
- 0
- 3
- Tax %
- 33
- Net Profit
- 2
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2017
- 15
- 4
- Operating Profit
- 10
- OPM %
- 69
- Other Income
- 0
- Interest
- 6
- Depreciation
- 0
- 4
- Tax %
- 33
- Net Profit
- 3
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2018
- 34
- 11
- Operating Profit
- 23
- OPM %
- 67
- Other Income
- 0
- Interest
- 11
- Depreciation
- 0
- 11
- Tax %
- 27
- Net Profit
- 8
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
Mar 2019
- 58
- 15
- Operating Profit
- 43
- OPM %
- 75
- Other Income
- 0
- Interest
- 23
- Depreciation
- 1
- 19
- Tax %
- 25
- Net Profit
- 15
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
Mar 2020
- 71
- 18
- Operating Profit
- 55
- OPM %
- 77
- Other Income
- 1
- Interest
- 30
- Depreciation
- 2
- 22
- Tax %
- 20
- Net Profit
- 18
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
Mar 2021
- 74
- 20
- Operating Profit
- 57
- OPM %
- 77
- Other Income
- 3
- Interest
- 31
- Depreciation
- 2
- 24
- Tax %
- 21
- Net Profit
- 19
- EPS
- 14
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
Mar 2022
- 79
- 23
- Operating Profit
- 58
- OPM %
- 74
- Other Income
- 2
- Interest
- 31
- Depreciation
- 2
- 26
- Tax %
- 20
- Net Profit
- 20
- EPS
- 16
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
Mar 2023
- 91
- 32
- Operating Profit
- 62
- OPM %
- 67
- Other Income
- 3
- Interest
- 37
- Depreciation
- 3
- 21
- Tax %
- 19
- Net Profit
- 17
- EPS
- 13
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 13
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 13
Mar 2024
- 125
- 44
- Operating Profit
- 83
- OPM %
- 66
- Other Income
- 2
- Interest
- 51
- Depreciation
- 6
- 26
- Tax %
- 19
- Net Profit
- 21
- EPS
- 16
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
Mar 2025
- 152
- 56
- Operating Profit
- 99
- OPM %
- 65
- Other Income
- 3
- Interest
- 62
- Depreciation
- 7
- 30
- Tax %
- 19
- Net Profit
- 24
- EPS
- 16
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
TTM
- 202
- 103
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 85
- Depreciation
- 6
- 42
- Tax %
- 19
- Net Profit
- 34
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
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:
- 2%
- 1 Year:
- -16%
RETURN ON EQUITY
- 10 Years:
- 18%
- 5 Years:
- 16%
- 3 Years:
- 13%
- Last Year:
- 12%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 11 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 16 |
| 5 | 21 | 29 | 44 | 62 | 81 | 101 | 118 | 145 | 247 | |
| 2 | 14 | 33 | 0 | 0 | 0 | 0 | 0 | 114 | 136 | |
| Trade Payables | 0 | 1 | 1 | 1 | 0 | 3 | 3 | 3 | 4 | 6 |
| 41 | 63 | 142 | 262 | 253 | 294 | 298 | 370 | 389 | 458 | |
| Total Liabilities | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 504 | 665 | 863 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 1 | 1 | 1 | 2 | 4 | 3 | 7 | 24 | 27 | 24 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 0 | 0 | 0 |
| 1 | 0 | 0 | 1 | 9 | 26 | 27 | 12 | 9 | 36 | |
| Cash & Bank | 2 | 22 | 6 | 28 | 33 | 27 | 25 | 23 | 5 | 18 |
| 56 | 89 | 210 | 289 | 282 | 333 | 351 | 444 | 625 | 785 | |
| Total Assets | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 504 | 665 | 863 |
| Total Debt | 41 | 75 | 167 | 255 | 246 | 286 | 287 | 357 | 491 | 584 |
| Net Working Capital | 5 | 25 | 2 | 28 | 40 | 48 | 46 | 26 | -99 | -76 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 14.27 | 26.03 | 32.33 | 43.61 | 57.58 | 72.01 | 87.49 | 100.59 | 118.70 | 167.74 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 41 | 75 | 167 | 255 | 246 | 286 | 287 | 357 | 491 | 584 |
| Net Working Capital | 5 | 25 | 2 | 28 | 40 | 48 | 46 | 26 | -99 | -76 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 14.27 | 26.03 | 32.33 | 43.61 | 57.58 | 72.01 | 87.49 | 100.59 | 118.70 | 167.74 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2016
- Equity Capital
- 11
- 5
- 2
- Trade Payables
- 0
- 41
- Total Liabilities
- 59
- 1
- Capital Work in Progress
- 0
- 1
- Cash & Bank
- 2
- 56
- Total Assets
- 59
- Total Debt
- 41
- Net Working Capital
- 5
- Contingent Liabilities
- 0
- Book Value per Share
- 14.27
- Face Value
- 10.00
- Total Debt
- 41
- Net Working Capital
- 5
- Contingent Liabilities
- 0
- Book Value per Share
- 14.27
- Face Value
- 10.00
Mar 2017
- Equity Capital
- 13
- 21
- 14
- Trade Payables
- 1
- 63
- Total Liabilities
- 112
- 1
- Capital Work in Progress
- 0
- 0
- Cash & Bank
- 22
- 89
- Total Assets
- 112
- Total Debt
- 75
- Net Working Capital
- 25
- Contingent Liabilities
- 0
- Book Value per Share
- 26.03
- Face Value
- 10.00
- Total Debt
- 75
- Net Working Capital
- 25
- Contingent Liabilities
- 0
- Book Value per Share
- 26.03
- Face Value
- 10.00
Mar 2018
- Equity Capital
- 13
- 29
- 33
- Trade Payables
- 1
- 142
- Total Liabilities
- 218
- 1
- Capital Work in Progress
- 0
- 0
- Cash & Bank
- 6
- 210
- Total Assets
- 218
- Total Debt
- 167
- Net Working Capital
- 2
- Contingent Liabilities
- 0
- Book Value per Share
- 32.33
- Face Value
- 10.00
- Total Debt
- 167
- Net Working Capital
- 2
- Contingent Liabilities
- 0
- Book Value per Share
- 32.33
- Face Value
- 10.00
Mar 2019
- Equity Capital
- 13
- 44
- 0
- Trade Payables
- 1
- 262
- Total Liabilities
- 320
- 2
- Capital Work in Progress
- 0
- 1
- Cash & Bank
- 28
- 289
- Total Assets
- 320
- Total Debt
- 255
- Net Working Capital
- 28
- Contingent Liabilities
- 0
- Book Value per Share
- 43.61
- Face Value
- 10.00
- Total Debt
- 255
- Net Working Capital
- 28
- Contingent Liabilities
- 0
- Book Value per Share
- 43.61
- Face Value
- 10.00
Mar 2020
- Equity Capital
- 13
- 62
- 0
- Trade Payables
- 0
- 253
- Total Liabilities
- 328
- 4
- Capital Work in Progress
- 0
- 9
- Cash & Bank
- 33
- 282
- Total Assets
- 328
- Total Debt
- 246
- Net Working Capital
- 40
- Contingent Liabilities
- 0
- Book Value per Share
- 57.58
- Face Value
- 10.00
- Total Debt
- 246
- Net Working Capital
- 40
- Contingent Liabilities
- 0
- Book Value per Share
- 57.58
- Face Value
- 10.00
Mar 2021
- Equity Capital
- 13
- 81
- 0
- Trade Payables
- 3
- 294
- Total Liabilities
- 391
- 3
- Capital Work in Progress
- 2
- 26
- Cash & Bank
- 27
- 333
- Total Assets
- 391
- Total Debt
- 286
- Net Working Capital
- 48
- Contingent Liabilities
- 0
- Book Value per Share
- 72.01
- Face Value
- 10.00
- Total Debt
- 286
- Net Working Capital
- 48
- Contingent Liabilities
- 0
- Book Value per Share
- 72.01
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 13
- 101
- 0
- Trade Payables
- 3
- 298
- Total Liabilities
- 415
- 7
- Capital Work in Progress
- 5
- 27
- Cash & Bank
- 25
- 351
- Total Assets
- 415
- Total Debt
- 287
- Net Working Capital
- 46
- Contingent Liabilities
- 0
- Book Value per Share
- 87.49
- Face Value
- 10.00
- Total Debt
- 287
- Net Working Capital
- 46
- Contingent Liabilities
- 0
- Book Value per Share
- 87.49
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 13
- 118
- 0
- Trade Payables
- 3
- 370
- Total Liabilities
- 504
- 24
- Capital Work in Progress
- 0
- 12
- Cash & Bank
- 23
- 444
- Total Assets
- 504
- Total Debt
- 357
- Net Working Capital
- 26
- Contingent Liabilities
- 0
- Book Value per Share
- 100.59
- Face Value
- 10.00
- Total Debt
- 357
- Net Working Capital
- 26
- Contingent Liabilities
- 0
- Book Value per Share
- 100.59
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 13
- 145
- 114
- Trade Payables
- 4
- 389
- Total Liabilities
- 665
- 27
- Capital Work in Progress
- 0
- 9
- Cash & Bank
- 5
- 625
- Total Assets
- 665
- Total Debt
- 491
- Net Working Capital
- -99
- Contingent Liabilities
- 0
- Book Value per Share
- 118.70
- Face Value
- 10.00
- Total Debt
- 491
- Net Working Capital
- -99
- Contingent Liabilities
- 0
- Book Value per Share
- 118.70
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 16
- 247
- 136
- Trade Payables
- 6
- 458
- Total Liabilities
- 863
- 24
- Capital Work in Progress
- 0
- 36
- Cash & Bank
- 18
- 785
- Total Assets
- 863
- Total Debt
- 584
- Net Working Capital
- -76
- Contingent Liabilities
- 0
- Book Value per Share
- 167.74
- Face Value
- 10.00
- Total Debt
- 584
- Net Working Capital
- -76
- Contingent Liabilities
- 0
- Book Value per Share
- 167.74
- Face Value
- 10.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -13 | -24 | -90 | -66 | 23 | -27 | 3 | -83 | -140 | -131 | |
| Cash from Investing | -2 | 0 | -1 | -1 | -9 | -19 | -6 | 9 | -1 | -31 |
| Cash from Financing | 16 | 44 | 74 | 89 | -9 | 40 | 1 | 73 | 139 | 173 |
| 2 | 20 | -16 | 21 | 5 | -6 | -2 | -1 | -2 | 10 | |
| Free Cash Flow | -14 | -25 | -91 | -67 | 19 | -29 | -2 | -97 | -148 | -135 |
| OCF / Net Profit | -6.90 | -8.97 | -11.13 | -4.54 | 1.30 | -1.43 | 0.17 | -4.88 | -6.65 | -5.39 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -178 | -193 | -171 | -177 | -258 | -412 |
| OCF / Net Profit | -6.90 | -8.97 | -11.13 | -4.54 | 1.30 | -1.43 | 0.17 | -4.88 | -6.65 | -5.39 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -178 | -193 | -171 | -177 | -258 | -412 |
Mar 2016
- -13
- Cash from Investing
- -2
- Cash from Financing
- 16
- 2
- Free Cash Flow
- -14
- OCF / Net Profit
- -6.90
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -6.90
- Cumulative 5-Year FCF
- 0
Mar 2017
- -24
- Cash from Investing
- 0
- Cash from Financing
- 44
- 20
- Free Cash Flow
- -25
- OCF / Net Profit
- -8.97
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -8.97
- Cumulative 5-Year FCF
- 0
Mar 2018
- -90
- Cash from Investing
- -1
- Cash from Financing
- 74
- -16
- Free Cash Flow
- -91
- OCF / Net Profit
- -11.13
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -11.13
- Cumulative 5-Year FCF
- 0
Mar 2019
- -66
- Cash from Investing
- -1
- Cash from Financing
- 89
- 21
- Free Cash Flow
- -67
- OCF / Net Profit
- -4.54
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -4.54
- Cumulative 5-Year FCF
- 0
Mar 2020
- 23
- Cash from Investing
- -9
- Cash from Financing
- -9
- 5
- Free Cash Flow
- 19
- OCF / Net Profit
- 1.30
- Cumulative 5-Year FCF
- -178
- OCF / Net Profit
- 1.30
- Cumulative 5-Year FCF
- -178
Mar 2021
- -27
- Cash from Investing
- -19
- Cash from Financing
- 40
- -6
- Free Cash Flow
- -29
- OCF / Net Profit
- -1.43
- Cumulative 5-Year FCF
- -193
- OCF / Net Profit
- -1.43
- Cumulative 5-Year FCF
- -193
Mar 2022
- 3
- Cash from Investing
- -6
- Cash from Financing
- 1
- -2
- Free Cash Flow
- -2
- OCF / Net Profit
- 0.17
- Cumulative 5-Year FCF
- -171
- OCF / Net Profit
- 0.17
- Cumulative 5-Year FCF
- -171
Mar 2023
- -83
- Cash from Investing
- 9
- Cash from Financing
- 73
- -1
- Free Cash Flow
- -97
- OCF / Net Profit
- -4.88
- Cumulative 5-Year FCF
- -177
- OCF / Net Profit
- -4.88
- Cumulative 5-Year FCF
- -177
Mar 2024
- -140
- Cash from Investing
- -1
- Cash from Financing
- 139
- -2
- Free Cash Flow
- -148
- OCF / Net Profit
- -6.65
- Cumulative 5-Year FCF
- -258
- OCF / Net Profit
- -6.65
- Cumulative 5-Year FCF
- -258
Mar 2025
- -131
- Cash from Investing
- -31
- Cash from Financing
- 173
- 10
- Free Cash Flow
- -135
- OCF / Net Profit
- -5.39
- Cumulative 5-Year FCF
- -412
- OCF / Net Profit
- -5.39
- Cumulative 5-Year FCF
- -412
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 1.65 | 2.08 | 6.21 | 11.26 | 13.82 | 14.49 | 15.63 | 13.12 | 15.83 | 15.56 |
| Book Value (₹) | 14.27 | 26.03 | 32.33 | 43.61 | 57.58 | 72.01 | 87.49 | 100.59 | 118.70 | 167.74 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 1.72 | 2.33 | 6.55 | 11.69 | 15.46 | 16.04 | 17.30 | 15.78 | 20.18 | 19.80 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 67.49% | 69.44% | 66.90% | 74.57% | 77.11% | 76.98% | 73.54% | 67.45% | 64.76% | 63.17% |
| Net Margin % | 18.28% | 18.64% | 23.67% | 25.31% | 25.20% | 25.59% | 25.65% | 18.66% | 16.87% | 16.10% |
| ROE % | 12.34% | 10.83% | 21.30% | 29.67% | 27.32% | 22.36% | 19.60% | 13.95% | 14.59% | 11.59% |
| ROCE % | 14.13% | 11.75% | 14.09% | 16.35% | 16.72% | 15.61% | 14.38% | 13.06% | 13.48% | 12.29% |
| 3.72% | 3.15% | 4.89% | 5.45% | 5.54% | 5.24% | 5.04% | 3.71% | 3.60% | 3.19% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 2.56x | 2.22x | 3.97x | 4.50x | 3.28x | 3.05x | 2.52x | 2.73x | 3.11x | 2.22x |
| Interest Coverage (x) | 1.68x | 1.70x | 1.99x | 1.84x | 1.74x | 1.77x | 1.84x | 1.57x | 1.51x | 1.48x |
| 1.38x | 2.50x | 1.04x | 3.78x | 5.01x | 4.46x | 3.62x | 2.57x | 0.19x | 0.48x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 48.66% | 42.17% | 134.94% | 69.50% | 23.28% | 3.20% | 7.62% | 15.38% | 36.55% | 21.40% |
| Operating Profit Growth % | 45.51% | 46.28% | 126.34% | 88.95% | 27.48% | 3.02% | 2.81% | 5.83% | 34.12% | 19.43% |
| Net Profit Growth % | 21.59% | 45.01% | 198.32% | 81.28% | 22.71% | 4.81% | 7.90% | -16.06% | 23.46% | 15.84% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 20.68% | -1.71% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 17.04x | 19.73x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.27x | 1.83x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 10.22x | 10.61x |
Mar 2016
- EPS (₹)
- 1.65
- Book Value (₹)
- 14.27
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 1.72
- Operating Margin %
- 67.49%
- Net Margin %
- 18.28%
- ROE %
- 12.34%
- ROCE %
- 14.13%
- 3.72%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.56x
- Interest Coverage (x)
- 1.68x
- 1.38x
- Revenue Growth %
- 48.66%
- Operating Profit Growth %
- 45.51%
- Net Profit Growth %
- 21.59%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2017
- EPS (₹)
- 2.08
- Book Value (₹)
- 26.03
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 2.33
- Operating Margin %
- 69.44%
- Net Margin %
- 18.64%
- ROE %
- 10.83%
- ROCE %
- 11.75%
- 3.15%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.22x
- Interest Coverage (x)
- 1.70x
- 2.50x
- Revenue Growth %
- 42.17%
- Operating Profit Growth %
- 46.28%
- Net Profit Growth %
- 45.01%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 6.21
- Book Value (₹)
- 32.33
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 6.55
- Operating Margin %
- 66.90%
- Net Margin %
- 23.67%
- ROE %
- 21.30%
- ROCE %
- 14.09%
- 4.89%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.97x
- Interest Coverage (x)
- 1.99x
- 1.04x
- Revenue Growth %
- 134.94%
- Operating Profit Growth %
- 126.34%
- Net Profit Growth %
- 198.32%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 11.26
- Book Value (₹)
- 43.61
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 11.69
- Operating Margin %
- 74.57%
- Net Margin %
- 25.31%
- ROE %
- 29.67%
- ROCE %
- 16.35%
- 5.45%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 4.50x
- Interest Coverage (x)
- 1.84x
- 3.78x
- Revenue Growth %
- 69.50%
- Operating Profit Growth %
- 88.95%
- Net Profit Growth %
- 81.28%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 13.82
- Book Value (₹)
- 57.58
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 15.46
- Operating Margin %
- 77.11%
- Net Margin %
- 25.20%
- ROE %
- 27.32%
- ROCE %
- 16.72%
- 5.54%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.28x
- Interest Coverage (x)
- 1.74x
- 5.01x
- Revenue Growth %
- 23.28%
- Operating Profit Growth %
- 27.48%
- Net Profit Growth %
- 22.71%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 14.49
- Book Value (₹)
- 72.01
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 16.04
- Operating Margin %
- 76.98%
- Net Margin %
- 25.59%
- ROE %
- 22.36%
- ROCE %
- 15.61%
- 5.24%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.05x
- Interest Coverage (x)
- 1.77x
- 4.46x
- Revenue Growth %
- 3.20%
- Operating Profit Growth %
- 3.02%
- Net Profit Growth %
- 4.81%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 15.63
- Book Value (₹)
- 87.49
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 17.30
- Operating Margin %
- 73.54%
- Net Margin %
- 25.65%
- ROE %
- 19.60%
- ROCE %
- 14.38%
- 5.04%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.52x
- Interest Coverage (x)
- 1.84x
- 3.62x
- Revenue Growth %
- 7.62%
- Operating Profit Growth %
- 2.81%
- Net Profit Growth %
- 7.90%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 13.12
- Book Value (₹)
- 100.59
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 15.78
- Operating Margin %
- 67.45%
- Net Margin %
- 18.66%
- ROE %
- 13.95%
- ROCE %
- 13.06%
- 3.71%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.73x
- Interest Coverage (x)
- 1.57x
- 2.57x
- Revenue Growth %
- 15.38%
- Operating Profit Growth %
- 5.83%
- Net Profit Growth %
- -16.06%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 15.83
- Book Value (₹)
- 118.70
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 20.18
- Operating Margin %
- 64.76%
- Net Margin %
- 16.87%
- ROE %
- 14.59%
- ROCE %
- 13.48%
- 3.60%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.11x
- Interest Coverage (x)
- 1.51x
- 0.19x
- Revenue Growth %
- 36.55%
- Operating Profit Growth %
- 34.12%
- Net Profit Growth %
- 23.46%
- 20.68%
- P/E (x)
- 17.04x
- P/B (x)
- 2.27x
- Dividend Yield %
- 0.00%
- 10.22x
Mar 2025
- EPS (₹)
- 15.56
- Book Value (₹)
- 167.74
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 19.80
- Operating Margin %
- 63.17%
- Net Margin %
- 16.10%
- ROE %
- 11.59%
- ROCE %
- 12.29%
- 3.19%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.22x
- Interest Coverage (x)
- 1.48x
- 0.48x
- Revenue Growth %
- 21.40%
- Operating Profit Growth %
- 19.43%
- Net Profit Growth %
- 15.84%
- -1.71%
- P/E (x)
- 19.73x
- P/B (x)
- 1.83x
- Dividend Yield %
- 0.00%
- 10.61x
Documents
Announcements
- Investor Presentation
2026-08-11 - SRG Housing Finance Limited has informed the Exchange about Investor Presentation
- 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
Annual Reports
Credit Ratings
- Credit Rating- New
2026-05-08 - SRG Housing Finance Limited has informed the Exchange about Credit Rating
Concalls
Aug 2026
Jul 2026
May 2026