Market Cap ₹362 Cr.
Stock P/E 18.5
P/B 2.3
Current Price ₹272
Book Value ₹ 116.3
Face Value 10
52W High ₹338
Dividend Yield 0%
52W Low ₹ 180.4
SRG Housing Finance Ltd is a prominent financial institution specializing in housing finance solutions. Established with the aim of providing affordable and accessible housing loans, SRG Housing Finance Ltd caters to the diverse needs of individuals and families seeking to purchase or construct their dream homes. The company offers a wide range of loan products and services tailored to meet the specific requirements of its customers. With a robust network of branches and a dedicated team of professionals, SRG Housing Finance Ltd ensures a seamless and hassle-free loan application process. Committed to transparency, ethics, and customer satisfaction, the company strives to make home ownership a reality for every individual. Through its competitive interest rates, flexible repayment options, and personalized assistance, SRG Housing Finance Ltd has emerged as a trusted name in the housing finance sector, empowering countless individuals to realize their aspirations of owning a home.
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| #(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 20 | 20 | 22 | 21 | 22 | 23 | 26 | 27 | 30 | 32 |
| Other Income | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 1 | 0 |
| Total Income | 20 | 20 | 23 | 21 | 23 | 24 | 26 | 27 | 31 | 32 |
| Total Expenditure | 5 | 6 | 7 | 6 | 8 | 9 | 10 | 10 | 10 | 11 |
| Operating Profit | 15 | 14 | 16 | 15 | 15 | 15 | 17 | 17 | 21 | 21 |
| Interest Expense | 8 | 8 | 8 | 8 | 9 | 10 | 10 | 11 | 13 | 13 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| Profit Before Tax | 7 | 6 | 7 | 6 | 5 | 4 | 5 | 5 | 7 | 7 |
| Provision for Tax | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit After Tax | 6 | 5 | 6 | 5 | 4 | 4 | 4 | 4 | 5 | 5 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 6 | 5 | 6 | 5 | 4 | 4 | 4 | 4 | 5 | 5 |
| Adjusted Earnings Per Share | 4.4 | 3.7 | 4.4 | 3.8 | 3.4 | 2.8 | 3.2 | 3.4 | 4 | 4.1 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 2 | 5 | 7 | 10 | 15 | 34 | 58 | 71 | 74 | 79 | 91 | 115 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | 3 | 1 |
| Total Income | 2 | 5 | 7 | 10 | 15 | 34 | 58 | 73 | 77 | 81 | 94 | 116 |
| Total Expenditure | 1 | 2 | 2 | 3 | 4 | 11 | 15 | 18 | 20 | 23 | 32 | 41 |
| Operating Profit | 2 | 3 | 5 | 7 | 10 | 23 | 43 | 55 | 57 | 58 | 62 | 76 |
| Interest Expense | 1 | 1 | 2 | 4 | 6 | 11 | 23 | 30 | 31 | 31 | 37 | 47 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 5 |
| Profit Before Tax | 1 | 2 | 2 | 3 | 4 | 11 | 19 | 22 | 24 | 26 | 21 | 24 |
| Provision for Tax | 0 | 1 | 1 | 1 | 1 | 3 | 5 | 5 | 5 | 5 | 4 | 4 |
| Profit After Tax | 1 | 1 | 2 | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 | 18 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 1 | 2 | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 | 18 |
| Adjusted Earnings Per Share | 0.6 | 1.1 | 1.4 | 1.7 | 2.1 | 6.2 | 11.3 | 13.8 | 14.5 | 15.6 | 13.1 | 14.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 15% | 9% | 22% | 46% |
| Operating Profit CAGR | 7% | 4% | 22% | 41% |
| PAT CAGR | -15% | -2% | 16% | 33% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 43% | 13% | 5% | 23% |
| ROE Average | 14% | 19% | 23% | 17% |
| ROCE Average | 13% | 14% | 15% | 14% |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 13 | 14 | 15 | 16 | 34 | 42 | 57 | 75 | 94 | 114 | 133 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 4 | 16 | 25 | 29 | 61 | 134 | 255 | 246 | 286 | 287 | 357 |
| Current Liability | 4 | 1 | 1 | 14 | 17 | 39 | 10 | 10 | 14 | 17 | 22 |
| Other Liabilities & Provisions | -0 | -0 | 0 | 0 | 1 | 3 | -2 | -2 | -2 | -3 | -4 |
| Total Liabilities | 20 | 30 | 41 | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 509 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 4 | 3 | 7 | 24 |
| Other Loans | 16 | 23 | 30 | 39 | 65 | 171 | 277 | 270 | 319 | 335 | 430 |
| Other Non Current Assets | 1 | 0 | 1 | 0 | 5 | 5 | 4 | 4 | 7 | 10 | 6 |
| Current Assets | 3 | 7 | 10 | 19 | 42 | 41 | 38 | 50 | 61 | 63 | 48 |
| Total Assets | 20 | 30 | 41 | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 509 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 0 | 1 | 0 | 2 | 22 | 7 | 28 | 33 | 27 | 25 |
| Cash Flow from Operating Activities | -11 | -8 | -10 | -13 | -24 | -90 | -66 | 23 | -27 | 3 | -83 |
| Cash Flow from Investing Activities | -0 | -0 | -0 | -2 | 0 | -1 | -1 | -9 | -19 | -6 | 9 |
| Cash Flow from Financing Activities | 11 | 8 | 9 | 16 | 44 | 74 | 89 | -9 | 40 | 1 | 73 |
| Net Cash Inflow / Outflow | -0 | 1 | -1 | 2 | 20 | -16 | 21 | 5 | -6 | -2 | -1 |
| Closing Cash & Cash Equivalent | 0 | 1 | 0 | 2 | 22 | 6 | 28 | 33 | 27 | 25 | 23 |
| # | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.56 | 1.06 | 1.36 | 1.65 | 2.08 | 6.21 | 11.26 | 13.82 | 14.49 | 15.63 | 13.12 |
| CEPS(Rs) | 0.62 | 1.1 | 1.43 | 1.72 | 2.33 | 6.55 | 11.69 | 15.46 | 16.04 | 17.3 | 15.78 |
| DPS(Rs) | 0 | 0 | 0.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 10.51 | 11.66 | 12.49 | 14.27 | 26.03 | 32.33 | 43.61 | 57.58 | 72.01 | 87.49 | 100.59 |
| Net Profit Margin | 27.13 | 25.18 | 22.34 | 18.28 | 18.64 | 23.67 | 25.31 | 25.2 | 25.59 | 25.65 | 18.66 |
| Operating Margin | 63.54 | 63.78 | 67.8 | 66.69 | 67.26 | 65.61 | 73.62 | 74.13 | 74.23 | 70.8 | 63.67 |
| PBT Margin | 35.76 | 35.79 | 33.01 | 27.11 | 27.73 | 32.58 | 33.65 | 31.54 | 32.3 | 32.23 | 23.02 |
| ROA(%) | 4.41 | 4.76 | 4.33 | 3.72 | 3.15 | 4.89 | 5.45 | 5.54 | 5.24 | 5.04 | 3.69 |
| ROE(%) | 7.57 | 9.52 | 11.25 | 12.34 | 10.83 | 21.3 | 29.67 | 27.32 | 22.36 | 19.6 | 13.95 |
| ROCE(%) | 10.79 | 12.61 | 13.76 | 14.13 | 11.75 | 14.09 | 16.35 | 16.72 | 15.61 | 14.38 | 13.06 |
| Price/Earnings(x) | 27.31 | 31.65 | 70.71 | 42.41 | 58.38 | 47.72 | 22.46 | 3.6 | 14.77 | 8.1 | 11.18 |
| Price/Book(x) | 1.46 | 2.87 | 7.69 | 4.9 | 4.67 | 9.17 | 5.8 | 0.86 | 2.97 | 1.45 | 1.46 |
| Dividend Yield(%) | 0 | 0 | 0.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 10.46 | 11.07 | 19.38 | 11.58 | 14.52 | 16.02 | 9.6 | 3.89 | 7.3 | 5.38 | 5.74 |
| EV/Core EBITDA(x) | 15.81 | 17.05 | 28.11 | 17.16 | 20.91 | 23.94 | 12.88 | 5.04 | 9.48 | 7.32 | 8.51 |
| Interest Earned Growth(%) | 85.24 | 102.13 | 45 | 48.66 | 42.17 | 134.94 | 69.5 | 23.28 | 3.2 | 7.62 | 15.38 |
| Net Profit Growth | 96.85 | 87.64 | 28.66 | 21.59 | 45.01 | 198.32 | 81.28 | 22.71 | 4.81 | 7.9 | -16.06 |
| EPS Growth(%) | 0 | 87.62 | 28.66 | 21.59 | 26.19 | 198.32 | 81.28 | 22.71 | 4.81 | 7.9 | -16.06 |
| Interest Coverage(x) % | 2.29 | 2.28 | 1.95 | 1.68 | 1.7 | 1.99 | 1.84 | 1.74 | 1.77 | 1.84 | 1.57 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 64.96 | 64.96 | 64.96 | 64.96 | 68.23 | 68.23 | 67.83 | 67.83 | 67.83 | 68.56 |
| FII | 0.14 | 0 | 0 | 0 | 0 | 0 | 0 | 0.15 | 0.01 | 0.01 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.58 | 0.72 | 0 |
| Public | 34.91 | 35.04 | 35.04 | 35.04 | 31.77 | 31.77 | 32.17 | 31.43 | 31.44 | 31.43 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.84 | 0.84 | 0.84 | 0.84 | 0.89 | 0.89 | 0.88 | 0.88 | 0.88 | 0.91 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.01 | 0 |
| Public | 0.45 | 0.46 | 0.46 | 0.46 | 0.41 | 0.41 | 0.42 | 0.41 | 0.41 | 0.42 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.33 |
Pros
Cons
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Sell or Purchase Share (Tentative Price)
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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