SRGHFL
SRG Housing Finance Limited (SRGHFL) Stock Analysis
SRG Housing Finance Limited provides affordable housing loans and property finance to retail borrowers. It originates home loans through branches focusing on tier two and three cities. The company targets first-time homebuyers and affordable segments. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹111.70
-3.53% 1W | -63.60% 52W
Market Cap
175 CR
P/E Ratio
5.1
52W High
₹335
52W Low
₹111
Div. Yield
0%
Beta
0.2
50 DMA
₹195.4
200 DMA
₹258.3
Profit Margin
27.7%
Inst. Own.
0%
✅ BOUNCE FROM SUPPORT
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26.84 | 30.22 | 31.74 | 36.15 | 33.77 | 36.06 | 38.94 | 42.75 | 42.62 | 47.81 | 50.45 | 57.23 | 53.95 |
| Interest | 10.93 | 13.12 | 13.07 | 13.69 | 14.03 | 14.92 | 16.51 | 16.60 | 16.75 | 18.10 | 20.11 | 22.69 | 23.89 |
| Expenses | 9.53 | 10.19 | 10.86 | 13.55 | 11.55 | 11.96 | 14.85 | 17.42 | 16.65 | 18.52 | 19.22 | 21.62 | 18.90 |
| Financing Profit | 6.38 | 6.91 | 7.81 | 8.91 | 8.19 | 9.18 | 7.58 | 8.73 | 9.22 | 11.19 | 11.12 | 12.92 | 11.16 |
| Financing Margin % | 23.77% | 22.87% | 24.61% | 24.65% | 24.25% | 25.46% | 19.47% | 20.42% | 21.63% | 23.41% | 22.04% | 22.58% | 20.69% |
| Other Income | 0.01 | 0.98 | 0.47 | 0.41 | 0.21 | 0.78 | 1.30 | 0.74 | 0.07 | 0.64 | 0.80 | 0.10 | 0.08 |
| Depreciation | 1.18 | 1.31 | 1.58 | 1.71 | 1.52 | 1.62 | 1.71 | 1.79 | 1.44 | 1.51 | 1.53 | 1.43 | 1.23 |
| Profit before tax | 5.21 | 6.58 | 6.70 | 7.61 | 6.88 | 8.34 | 7.17 | 7.68 | 7.85 | 10.32 | 10.39 | 11.59 | 10.01 |
| Tax % | 15.55% | 20.21% | 20.60% | 19.97% | 14.83% | 20.62% | 19.80% | 19.40% | 13.50% | 20.06% | 20.98% | 20.19% | 15.38% |
| Net Profit | 4.39 | 5.26 | 5.32 | 6.09 | 5.86 | 6.60 | 5.74 | 6.19 | 6.78 | 8.25 | 8.21 | 9.25 | 8.47 |
| EPS in Rs | 3.38 | 4.05 | 4.09 | 4.58 | 4.34 | 4.62 | 4.01 | 3.95 | 4.32 | 5.26 | 5.23 | 5.89 | 5.39 |
| Gross NPA % | 2.47% | 2.40% | 2.37% | 2.29% | 2.19% | 1.96% | 1.98% | 1.84% | 1.85% | 1.88% | 1.83% | 1.77% | 1.73% |
| Net NPA % | 0.49% | 0.56% | 0.62% | 0.69% | 0.67% | 0.59% | 0.61% | 0.61% | 0.62% | 0.64% | 0.68% | 0.65% | 0.63% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7 | 10 | 15 | 34 | 58 | 73 | 77 | 80 | 94 | 127 | 155 | 200 | 209 |
| Interest | 2 | 4 | 6 | 11 | 23 | 30 | 31 | 31 | 37 | 51 | 62 | 78 | 85 |
| Expenses | 2 | 3 | 4 | 11 | 15 | 18 | 20 | 22 | 32 | 44 | 56 | 76 | 78 |
| Financing Profit | 2 | 3 | 4 | 11 | 20 | 25 | 26 | 28 | 24 | 32 | 37 | 46 | 46 |
| Financing Margin % | 34% | 28% | 30% | 34% | 34% | 34% | 34% | 34% | 26% | 25% | 24% | 23% | 22% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 6 | 7 | 6 | 6 |
| Profit before tax | 2 | 3 | 4 | 11 | 19 | 22 | 24 | 26 | 21 | 26 | 30 | 40 | 42 |
| Tax % | 32% | 32% | 33% | 27% | 25% | 20% | 21% | 20% | 19% | 19% | 19% | 19% | |
| Net Profit | 2 | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 | 21 | 24 | 32 | 34 |
| EPS in Rs | 1.36 | 1.65 | 2.08 | 6.22 | 11.26 | 13.82 | 14.48 | 15.63 | 13.12 | 15.83 | 15.57 | 20.69 | 21.77 |
| Dividend Payout % | 18% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 29.0% | 21.0% | 35.0% |
| Profit CAGR | 24.0% | 12.0% | 33.0% |
Shareholding Pattern
Promoters59.11%
FIIs0.01%
Public40.88%
Promoters59.11%
Public40.89%
Promoters59.06%
Public40.93%
Promoters59.03%
Public40.97%
Promoters59.02%
Public40.98%
Promoters68.23%
Public31.77%
Promoters68.55%
FIIs0.01%
Public31.43%
Promoters59.13%
DIIs0.01%
Public40.86%
Promoters59.03%
Public40.97%
Promoters59.02%
Public40.98%
SRGHFL
Holdings Analysis
Key strengths & risk signals
65
Overall
82
Fundamental
49
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 63.6% in the last year.
WEAK POSITION! Current price (111.7) is below both moving averages.
WEAK! Trading at 0.3% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.21 indicates stock is cheap relative to growth.
OVERSOLD! RSI at 22.8 - potential bounce opportunity.
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 41,428 vs down days: 37,846. Ratio: 1.09x
Fundamental & Technical Analysis
65Overall
82Fundamental
49Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 31.0% (EXCELLENT, 15/15). Profit CAGR: 24.0% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 27.7% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.21 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 32.17% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (195.4) is below 200-day average (258.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (111.7) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
0/10
POOR YEAR! Stock declined 63.6% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 41,428 vs down days: 37,846. Ratio: 1.09x
RSI
5/5
OVERSOLD! RSI at 22.8 - potential bounce opportunity.
52W Range
1/5
WEAK! Trading at 0.3% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.5% (1 week), 11.6% (1 month), 64.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
SRGHFL
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-09-19 | Concall PDF | |
| Q4FY262026-05-16 | Concall PDF | |
| Q2FY262025-11-18 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SRGHFL | ₹111.70 | 5.1 | 27.7% | 31.0% | 24.0% | -63.6% | 65 | BREAKDOWN | +25.0% | -7.6% | +33.1% | -5.6% |
| RHFL | ₹1.50 | 3.2 | – | -89.6% | – | -57.5% | 37 | BOUNCE FROM SUPPORT | – | – | – | – |
| TFL | ₹12.20 | – | -31.2% | 10.2% | – | -16.0% | 53 | BREAKOUT | -88.9% | -92.9% | -35.9% | -37.5% |
| GICHSGFIN | ₹131.80 | 4.5 | 43.6% | -1.0% | -10.1% | -22.9% | 47 | APPROACHING RESISTANCE | +36.5% | -81.2% | +0.7% | -2.0% |
| GRANDOAK | ₹35.00 | – | -8.1% | – | – | -12.3% | 35 | CONSOLIDATING DOWN | +5.5% | -203.4% | – | – |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
Data from TradeAlone · Updated daily
