SRGHFL
OVERVALUEDSRG Housing Finance Limited
Finance · NSE
↓ 35.6% vs fair value
52W Low
₹224
+30.1% from low
52W High
₹335
-12.8% from high
Valuation Gauge
Current Price
₹292
Fair Value
₹215
Fair Value Analysis
₹215
Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 4.4%) — returns on capital are falling; verify this isn't a value trap. | Growth capped at 12.1% (ROE 10.5%×1.15) — historical CAGR exceeds sustainable rate or COVID period unverifiable.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Solid Fundamentals
Profitability
ROE of 10.5% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 2.5x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 14.1x trades at a 78% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-135 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 6.3% is well below Finance sector average of 23.9%
Dividend
No dividend — typical for growth-stage companies
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-62.6%
Free cash flow / market cap
Revenue Growth (YoY)
+33.9%
Year-on-year revenue change
Profit Growth (YoY)
+49.4%
Year-on-year PAT change
Operating Cash Flow
₹-247 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹20.7
P/E Ratio
14.1x
P/B Ratio
1.5x
ROE
10.5%
ROCE
4.3%
Debt / Equity
2.5x
Beta
0.09
Div Yield
—
FCF (Cr)
₹-135 Cr
Revenue (Cr)
₹142 Cr
EPS Growth 5Y
6.3%
Mkt Cap (Cr)
₹457 Cr
52W High
₹335
52W Low
₹224.4
Book Value/Share
₹189.1
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹199 Cr | ₹46 Cr | 23.0% | ₹32 Cr | ₹20.69 |
| 2025-03-31 | ₹155 Cr | ₹37 Cr | 24.0% | ₹24 Cr | ₹15.57 |
| 2024-03-31 | ₹127 Cr | ₹32 Cr | 25.0% | ₹21 Cr | ₹15.83 |
| 2023-03-31 | ₹94 Cr | ₹24 Cr | 26.0% | ₹17 Cr | ₹13.12 |
| 2022-03-31 | ₹80 Cr | ₹28 Cr | 34.0% | ₹20 Cr | ₹15.63 |
| 2021-03-31 | ₹77 Cr | ₹26 Cr | 34.0% | ₹19 Cr | ₹14.48 |
| 2020-03-31 | ₹73 Cr | ₹25 Cr | 34.0% | ₹18 Cr | ₹13.82 |
| 2019-03-31 | ₹58 Cr | ₹20 Cr | 34.0% | ₹15 Cr | ₹11.26 |
| 2018-03-31 | ₹34 Cr | ₹11 Cr | 34.0% | ₹8 Cr | ₹6.22 |
| 2017-03-31 | ₹15 Cr | ₹4 Cr | 30.0% | ₹3 Cr | ₹2.08 |
| 2016-03-31 | ₹10 Cr | ₹3 Cr | 28.0% | ₹2 Cr | ₹1.65 |
| 2015-03-31 | ₹7 Cr | ₹2 Cr | 34.0% | ₹2 Cr | ₹1.36 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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