WEBSITE BSE:539017 NSE: STARHFL Inc. Year: 2005 Industry: Finance - Housing My Bucket: Add Stock
Last updated: 11:20
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Star Housing Finance Ltd, previously Akme Star Housing Finance Ltd, is an India-based non-deposit-taking housing finance organisation, that's engaged in carrying out activities of housing finance organizations. The Company operates in two commercial enterprise verticals: housing mortgage and non-housing loans. The Company affords loans for the purchase or construction of residential homes. Its loan products consist of home mortgage, mortgage loan and builder loan. The Company gives domestic loan for the purchase of flats and houses, renovation ...Read More
Star Housing Finance Ltd, previously Akme Star Housing Finance Ltd, is an India-based non-deposit-taking housing finance organisation, that's engaged in carrying out activities of housing finance organizations. The Company operates in two commercial enterprise verticals: housing mortgage and non-housing loans. The Company affords loans for the purchase or construction of residential homes. Its loan products consist of home mortgage, mortgage loan and builder loan. The Company gives domestic loan for the purchase of flats and houses, renovation of existing devices, extension of existing devices and purchase of plot for construction of homes. It gives builder loan for the construction of residential flats. The Company is centred on supplying financing merchandise to the lower and middle-income (LMI) segments in India, in most cases in Tier II and Tier III cities and towns. ...Read Less
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Market Cap ₹56 Cr.
Stock P/E 5
P/B 0.4
Current Price ₹7.1
Book Value ₹ 18.6
Face Value 5
52W High ₹38
Dividend Yield 0%
52W Low ₹ 3.7
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 14 | 16 | 16 | 19 | 22 | 24 | 28 | 22 | 25 | 26 |
| Other Income | 0 | 0 | 3 | 2 | 1 | -1 | 0 | 0 | 0 | 0 |
| Total Income | 14 | 16 | 19 | 21 | 23 | 23 | 28 | 22 | 25 | 26 |
| Total Expenditure | 5 | 5 | 7 | 7 | 7 | 9 | 11 | 7 | 9 | 11 |
| Operating Profit | 9 | 11 | 12 | 14 | 15 | 15 | 17 | 15 | 17 | 15 |
| Interest Expense | 7 | 8 | 8 | 10 | 11 | 12 | 13 | 13 | 14 | 14 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 2 | 3 | 4 | 4 | 4 | 3 | 4 | 2 | 2 | 1 |
| Provision for Tax | 0 | 1 | 1 | 1 | 1 | 0 | 1 | 0 | 1 | 0 |
| Profit After Tax | 2 | 3 | 3 | 3 | 3 | 2 | 3 | 1 | 2 | 0 |
| Adjustments | -0 | 0 | -0 | 0 | 0 | -0 | -0 | 0 | 0 | 0 |
| Profit After Adjustments | 2 | 3 | 3 | 3 | 3 | 2 | 3 | 1 | 2 | 0 |
| Adjusted Earnings Per Share | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.4 | 0.2 | 0.2 | 0.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 2 | 3 | 3 | 7 | 12 | 16 | 16 | 19 | 35 | 59 | 93 | 101 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 3 | 2 | 0 |
| Total Income | 2 | 3 | 3 | 7 | 12 | 16 | 16 | 19 | 37 | 62 | 95 | 101 |
| Total Expenditure | 1 | 1 | 1 | 1 | 1 | 5 | 8 | 12 | 17 | 22 | 33 | 38 |
| Operating Profit | 1 | 2 | 3 | 6 | 11 | 11 | 7 | 8 | 20 | 40 | 62 | 64 |
| Interest Expense | 0 | 0 | 0 | 2 | 5 | 5 | 5 | 6 | 11 | 28 | 46 | 54 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Profit Before Tax | 1 | 2 | 2 | 4 | 6 | 6 | 2 | 1 | 8 | 11 | 14 | 9 |
| Provision for Tax | 0 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 3 | 3 | 2 |
| Profit After Tax | 1 | 1 | 1 | 3 | 4 | 5 | 2 | 1 | 7 | 9 | 11 | 6 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 1 | 1 | 3 | 4 | 5 | 2 | 1 | 7 | 9 | 11 | 6 |
| Adjusted Earnings Per Share | 0.1 | 0.2 | 0.3 | 0.6 | 0.8 | 0.8 | 0.2 | 0.1 | 0.9 | 1.1 | 1.4 | 0.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 58% | 70% | 42% | 47% |
| Operating Profit CAGR | 55% | 98% | 41% | 51% |
| PAT CAGR | 22% | 122% | 17% | 27% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -78% | -44% | -18% | 5% |
| ROE Average | 9% | 9% | 6% | 8% |
| ROCE Average | 12% | 11% | 9% | 11% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 15 | 17 | 18 | 23 | 31 | 52 | 54 | 64 | 106 | 133 | 144 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 3 | 19 | 40 | 38 | 64 | 78 | 162 | 245 | 304 |
| Current Liability | 3 | 1 | 3 | 12 | 2 | 0 | 7 | 11 | 15 | 112 | 105 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 | 1 | 0 | 3 |
| Total Liabilities | 18 | 18 | 25 | 54 | 73 | 91 | 124 | 153 | 285 | 490 | 555 |
| Loans | 3 | 5 | 6 | 40 | 63 | 83 | 93 | 102 | 228 | 382 | 415 |
| Investments | 0 | 0 | 0 | 1 | 4 | 4 | 4 | 9 | 7 | 8 | 8 |
| Fixed Assets | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 2 | 3 | 3 | 3 |
| Other Loans | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 4 | 1 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 9 |
| Current Assets | 15 | 12 | 18 | 12 | 4 | 3 | 25 | 37 | 45 | 93 | 118 |
| Total Assets | 18 | 18 | 25 | 54 | 73 | 91 | 124 | 153 | 285 | 490 | 555 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 4 | 0 | 2 | 1 | 3 | 1 | 20 | 29 | 28 | 61 |
| Cash Flow from Operating Activities | -1 | -2 | -3 | -22 | -14 | -11 | -9 | -6 | -111 | -129 | -65 |
| Cash Flow from Investing Activities | 0 | -0 | 0 | 0 | -0 | -0 | -4 | -7 | -10 | -14 | 4 |
| Cash Flow from Financing Activities | 5 | -1 | 5 | 21 | 16 | 9 | 32 | 22 | 120 | 176 | 85 |
| Net Cash Inflow / Outflow | 3 | -4 | 2 | -1 | 2 | -2 | 19 | 9 | -1 | 33 | 23 |
| Closing Cash & Cash Equivalent | 4 | 0 | 2 | 1 | 3 | 1 | 20 | 29 | 28 | 61 | 84 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.14 | 0.24 | 0.3 | 0.6 | 0.85 | 0.8 | 0.25 | 0.09 | 0.9 | 1.13 | 1.41 |
| CEPS(Rs) | 0.14 | 0.25 | 0.31 | 0.61 | 0.86 | 0.81 | 0.27 | 0.13 | 0.95 | 1.21 | 1.51 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0.03 | 0.04 | 0.05 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 3.24 | 3.48 | 3.78 | 4.68 | 6.1 | 8.28 | 8.47 | 9.31 | 13.41 | 14.64 | 16.34 |
| Net Profit Margin | 35.09 | 44.98 | 44.88 | 43.9 | 35.33 | 31.94 | 9.98 | 3.32 | 19.76 | 15.15 | 11.99 |
| Operating Margin | 70.87 | 77.45 | 82.22 | 86.57 | 90.15 | 69.97 | 46.12 | 40.02 | 54.94 | 67.05 | 65.57 |
| PBT Margin | 51.55 | 65.76 | 67.09 | 60.66 | 51.28 | 38.81 | 14 | 7.04 | 22.69 | 19.57 | 15.33 |
| ROA(%) | 4.24 | 6.33 | 6.53 | 7.31 | 6.47 | 6.18 | 1.45 | 0.45 | 3.19 | 2.29 | 2.12 |
| ROE(%) | 5.23 | 7.24 | 8.16 | 14.28 | 15.75 | 12.38 | 2.96 | 1.08 | 8.45 | 8.12 | 9.09 |
| ROCE(%) | 8.68 | 11.08 | 12.15 | 14.78 | 16.84 | 13.69 | 6.95 | 5.78 | 9.46 | 10.9 | 12.13 |
| Price/Earnings(x) | 27.14 | 21.16 | 37.11 | 39.16 | 17.66 | 18.61 | 73.85 | 261.46 | 54.14 | 41.07 | 20.38 |
| Price/Book(x) | 1.18 | 1.48 | 2.91 | 5.02 | 2.46 | 1.81 | 2.17 | 2.63 | 3.65 | 3.17 | 1.75 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0.17 | 0.2 | 0.2 | 0 | 0 | 0 |
| EV/Net Sales(x) | 8.84 | 9.98 | 18.13 | 21.51 | 9.57 | 8.26 | 9.98 | 11.04 | 14.14 | 10.23 | 5.68 |
| EV/Core EBITDA(x) | 12.31 | 12.59 | 21.66 | 24.69 | 10.59 | 11.76 | 21.2 | 26.63 | 25.27 | 15 | 8.55 |
| Interest Earned Growth(%) | 49.74 | 35.13 | 22.08 | 110.3 | 76.08 | 35.92 | -1.14 | 20.01 | 88.68 | 65.93 | 57.88 |
| Net Profit Growth | 81.49 | 73.21 | 21.82 | 105.72 | 41.72 | 22.85 | -69.12 | -60.03 | 1021.81 | 27.27 | 24.94 |
| EPS Growth(%) | 32.56 | 73.21 | 21.82 | 102.13 | 41.72 | -5.32 | -69.12 | -62.22 | 864.42 | 24.74 | 24.56 |
| Interest Coverage(x) % | 3.67 | 6.63 | 5.44 | 3.34 | 2.32 | 2.25 | 1.44 | 1.21 | 1.7 | 1.41 | 1.31 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 19.79 | 19.62 | 19.61 | 18.85 | 18.78 | 18.78 | 18.44 | 18.36 | 17.65 | 17.59 |
| FII | 0.51 | 1.14 | 1.16 | 0.86 | 0.54 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Public | 79.7 | 79.23 | 79.16 | 80.22 | 80.6 | 81.15 | 81.48 | 81.56 | 82.27 | 82.34 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1.56 | 1.54 | 1.54 | 1.49 | 1.48 | 1.48 | 1.46 | 1.45 | 1.39 | 1.39 |
| FII | 0.04 | 0.09 | 0.09 | 0.07 | 0.04 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Public | 6.27 | 6.24 | 6.23 | 6.33 | 6.36 | 6.41 | 6.43 | 6.44 | 6.5 | 6.5 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 7.87 | 7.87 | 7.87 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 |
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