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SRG Housing Finance Ltd

SRG Housing Finance

Small Cap•636 Employees•IPO 2012
Current Price
₹257.00
3.45 (1.36%)Updated
NSE :SRGHFL
BSE :534680
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
13.39vs 19.00
P/B Ratio
1.41vs 2.14
Div Yield
0.00%vs 0.57%
Today's Range
245.25
₹257.00
indicator
258.9
52 Week Range
52W Low₹243.85
52W High₹353.95
₹257.00
indicator
Downside5.39%
Upside37.72%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹421.99 Cr
Market Cap
Total market value of company
P/E Ratio
15.65
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
1.64
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹18.00
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
5.32%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
12.30%
ROCE
Return on Capital Employed. >15% is good
Net Margin
15.75%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
15.83%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
21.77%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
23.50%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
15.70%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
2.26
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹168.38
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
59.10%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Robust operational efficiency: OPM 61.80%, ROE 11.50%, ROCE 12.30%.
  • •Strong quarterly performance: Sales grew 23.50%, net profit increased 15.70%.

Weaknesses

5 points
  • •High debt-to-equity ratio: 2.21 indicates substantial reliance on borrowed capital.
  • •Negative cash flow: Annual cash flow per share is -86.40, raising liquidity concerns.

Opportunities

5 points
  • •Growing housing finance sector: Driven by affordable housing demand and urbanization.
  • •Expansion into niche markets: Smaller entity can target underserved housing finance segments.

Threats

5 points
  • •Intense sector competition: Larger, established players pose significant market share threat.
  • •Interest rate fluctuations: Directly impact borrowing costs and lending margins, squeezing profitability.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹289.48+₹32.48+12.64%
R3₹275.83+₹18.83+7.33%
R2₹267.37+₹10.37+4.03%
R1₹262.18+₹5.18+2.02%
PIVOT₹253.72-3.28-1.28%
CURRENT₹257.00--
S1₹221.23-₹35.77-13.92%
S2₹234.88-₹22.12-8.61%
S3₹240.07-₹16.93-6.59%
S4₹248.53-₹8.47-3.29%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
0.08L
(11 Mar 2026)
+34.1% vs avg
Delivery %
100.0%
(11 Mar 2026)
+11.6% vs avg
Avg Volume (20D)
0.06L
(11 Feb - 11 Mar)
20-day average
Avg Delivery %
88.3%
(11 Feb - 11 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Manba Finance Ltd
88.20 %
Highest Dividend Yield
Bajaj Finance Ltd
0.55 %

Peer Comparison

Company Name
AFIL
Akme Fintrade (India) Ltd
BAJFINANCE
Bajaj Finance Ltd
DELPHIFX
Delphi World Money Ltd
LAXMIINDIA
MANBA
Manba Finance Ltd
MANCREDIT
Mangal Credit & Fincorp Ltd
MUTHOOTCAP
Muthoot Capital Services Ltd

About

SRGHFL

SRG Housing Finance Ltd

SRG Housing Finance Limited (SRGHFL) is an Indian housing finance company primarily catering to the low- and middle-income segments of the population. Its core business revolves around providing various types of housing loans to facilitate homeownership and related improvements.

The company's loan portfolio includes financing for home construction, the purchase of existing properties, renovations, and home extensions. This caters to a wide range of individual needs, from building a new home from the ground up to undertaking smaller-scale improvement projects. The breadth of services offered positions SRGHFL to capture a significant portion of the housing finance market within its target demographic.

Beyond individual home loans, SRGHFL also extends its services to builders and developers through the provision of project loans. This allows the company to participate in the entire housing development lifecycle, fostering growth within both the construction sector and its own business. This dual approach – financing individuals and developers – provides a diversified revenue stream and reduces reliance on a single market segment.

Furthermore, SRGHFL offers loan-against-property services, diversifying its offerings beyond housing-specific loans. These loans are designed to provide individuals with financial flexibility for various purposes, including business expansion, starting a new business, funding education, covering marriage expenses, or meeting other personal financial needs. This diversification strengthens the company's position and attracts a broader customer base.

The company's focus on low- and middle-income individuals, including self-employed individuals and small to medium-sized business owners, represents a significant market opportunity. This segment often faces challenges accessing traditional financial services, making SRGHFL's specialized services particularly valuable. By targeting this segment, SRGHFL occupies a niche within the competitive Indian housing finance market.

Established in 1999 and headquartered in Udaipur, India, SRGHFL has a long history of operation within the Indian financial landscape. Its continued focus on its target demographic and its diversification into different loan products positions it for continued growth and success in the evolving Indian housing market.

COMPANY FACTS - SRGHFL

Registered Address

1046, 10th Floor,Hubtown Solaris, N.S.Phadke Marg, Near East West Flyover, Andheri

Mumbai

MAHARASHTRA

IN

Tel: 912262215307

Website:https://www.srghousing.com/

Investor Relations:https://www.srghousing.com/Annual-Report
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 636

IPO Date: 23/08/2012

MANAGEMENT - SRGHFL

Mr. Ashok Modi

Chief Financial Officer

Mr. Saurabh Rajawat

Chief Operating Officer

Ms. Divya Kothari

Chief Compliance Officer, Company Secretary

Mr. Archis Jain

Vice President - Business Development

Mr. Vinod Jain

Managing Director, Executive Director

Mr. Kartik Mehta

Assistant Vice President - Business Strategy and Planning

Ms. Liji Sivaraman

Assistant Vice President - Information Technology

Mrs. Seema Jain

Non-Executive Director

Ms. Garima Soni

Non-Executive Director

Mr. Dilip Singhvi

Independent Director

Mr. Mohit Singhvi

Independent Director

Mr. Nishant Badala

Non-Executive Independent Director

Investor Questions Answered

SRG Housing Finance Ltd (SRGHFL) Stock FAQs

Get answers to the most common questions about SRG Housing Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of SRG Housing Finance Ltd (SRGHFL) is ₹257. Today, the stock has gained by ₹3.45 (1.36%), trading in a range of ₹245.25 to ₹258.9. The stock opened at ₹245.25 with a trading volume of 8,409 shares.
SRG Housing Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹421.99 crores, P/E ratio of 15.65, ROE of 5.32%, and ROCE of 12.30%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of SRG Housing Finance Ltd (SRGHFL) is ₹353.95, while the 52-week low is ₹243.85. Currently trading at ₹257, the stock is 11.9% away from its 52-week low and 27.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy SRG Housing Finance Ltd stock at ₹257 depends on multiple factors. The stock is currently trading with a P/E ratio of 15.65 and P/B ratio of N/A. Today's performance shows a gain of 1.36%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
SRG Housing Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹257, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
SRG Housing Finance Ltd's key financial metrics include: P/E Ratio: 15.65, P/B Ratio: N/A, ROE: 5.32%, ROCE: 12.30%, Dividend Yield: 0.00%, EPS: ₹18.00, Book Value: ₹168.38, Debt-to-Equity: 2.26, and Current Ratio: N/A. The company's market cap stands at ₹421.99 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
SRG Housing Finance Ltd stock opened at ₹245.25 and is currently trading at ₹257, showing a gain of ₹3.45 (1.36%). The intraday high is ₹258.9 and low is ₹245.25. The trading volume stands at 8,409 shares, indicating moderate market participation today.
SRG Housing Finance Ltd has a Price-to-Earnings (P/E) ratio of 15.65, which means investors are willing to pay ₹15.65 for every ₹1 of earnings. With an EPS of ₹18.00, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
SRG Housing Finance Ltd has a market capitalization of ₹421.99 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹257) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
SRG Housing Finance Ltd has a book value of ₹168.38 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹257, which is 52.6% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
SRG Housing Finance Ltd has a Return on Equity (ROE) of 5.32% and Return on Capital Employed (ROCE) of 12.30%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
SRG Housing Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
SRG Housing Finance Ltd has a debt-to-equity ratio of 2.26, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
SRG Housing Finance Ltd has an Earnings Per Share (EPS) of ₹18.00, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹257 and P/E ratio of 15.65, investors are paying 15.65 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
SRG Housing Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
SRG Housing Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze SRG Housing Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (15.65), ROE (5.32%), debt-to-equity (2.26), and growth rates. 2) Technical Analysis - Check 52-week range (₹243.85 - ₹353.95), moving averages, and chart patterns. 3) Valuation - Compare current price (₹257.00) with book value (₹168.38) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of SRG Housing Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹257 is 2470x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in SRG Housing Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹243.85 - ₹353.95). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 2.26 indicates leverage. 4) Liquidity Risk - Based on trading volume of 8,409 shares. 5) Valuation Risk - P/E of 15.65 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
SRG Housing Finance Ltd operates in the industry with key metrics: P/E ratio of 15.65, ROE of 5.32%, market cap of ₹421.99 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 2.26), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for SRG Housing Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹257, with a 52-week range of ₹243.85 to ₹353.95. Based on fundamentals like P/E (15.65), ROE (5.32%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling SRG Housing Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹257.00. 2) Fundamental Deterioration - Declining ROE (currently 5.32%), increasing debt (D/E: 2.26), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for SRG Housing Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.