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Consolidated Standalone

Star Housing Finance

₹58 0 | 0.1%

Market Cap ₹457 Cr.

Stock P/E 45.4

P/B 3.4

Current Price ₹58

Book Value ₹ 16.8

Face Value 5

52W High ₹82.5

Dividend Yield 0.09%

52W Low ₹ 34.1

Edit Ratio

Star Housing Finance Research see more...

Overview Inc. Year: 2005Industry: Finance - Housing

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.

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Star Housing Finance Share Price

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Peer Comparison

Star Housing Finance Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 5 5 5 5 9 10 12 14 16 16
Other Income 0 0 1 1 0 0 1 0 0 3
Total Income 5 5 6 6 9 10 12 14 16 19
Total Expenditure 2 3 3 2 4 4 6 5 5 7
Operating Profit 2 2 3 4 5 6 6 9 11 12
Interest Expense 2 2 1 2 2 3 4 7 8 8
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 1 2 2 3 2 2 3 4
Provision for Tax 0 0 0 0 1 1 -1 0 1 1
Profit After Tax 0 0 1 1 2 2 3 2 3 3
Adjustments -0 0 0 -0 0 0 0 -0 0 -0
Profit After Adjustments 0 0 1 1 2 2 3 2 3 3
Adjusted Earnings Per Share 0.1 0 0.1 0.2 0.2 0.3 0.3 0.3 0.3 0.3

Star Housing Finance Profit & Loss

#(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 1 1 2 3 3 7 12 16 16 19 35 58
Other Income 0 0 0 0 0 0 0 0 0 1 2 4
Total Income 1 1 2 3 3 7 12 16 16 19 37 61
Total Expenditure 0 0 1 1 1 1 1 5 8 12 17 23
Operating Profit 0 1 1 2 3 6 11 11 7 8 20 38
Interest Expense 0 0 0 0 0 2 5 5 5 6 11 27
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 1 1 2 2 4 6 6 2 1 8 11
Provision for Tax 0 0 0 1 1 1 2 1 1 1 1 1
Profit After Tax 0 0 1 1 1 3 4 5 2 1 7 11
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 1 1 1 3 4 5 2 1 7 11
Adjusted Earnings Per Share 0.1 0.1 0.1 0.2 0.3 0.6 0.8 0.8 0.2 0.1 0.9 1.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 84% 30% 38% 43%
Operating Profit CAGR 150% 22% 27% 0%
PAT CAGR 600% 12% 18% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 28% 36% 37% NA%
ROE Average 8% 4% 8% 8%
ROCE Average 9% 7% 11% 11%

Star Housing Finance Balance Sheet

#(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 4 10 15 17 18 23 31 52 54 64 106
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 3 19 40 38 64 78 162
Current Liability 2 3 3 1 3 12 2 0 7 11 15
Other Liabilities & Provisions 0 0 0 0 0 0 0 -0 -0 -0 1
Total Liabilities 7 13 18 18 25 54 73 91 124 153 285
Loans 1 3 3 5 6 40 63 83 93 102 228
Investments 0 0 0 0 0 1 4 4 4 9 7
Fixed Assets 0 0 0 0 0 0 1 1 2 2 3
Other Loans 0 0 0 0 0 1 1 1 1 4 1
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 1
Current Assets 6 10 15 12 18 12 4 3 25 37 45
Total Assets 7 13 18 18 25 54 73 91 124 153 285

Star Housing Finance Cash Flow

#(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 0 0 1 4 0 2 1 3 1 20 29
Cash Flow from Operating Activities -3 -5 -1 -2 -3 -22 -14 -11 -9 -6 -111
Cash Flow from Investing Activities -1 0 0 -0 0 0 -0 -0 -4 -7 -10
Cash Flow from Financing Activities 3 6 5 -1 5 21 16 9 32 22 120
Net Cash Inflow / Outflow -0 1 3 -4 2 -1 2 -2 19 9 -1
Closing Cash & Cash Equivalent 0 1 4 0 2 1 3 1 20 29 28

Star Housing Finance Ratios

# 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) 0.1 0.11 0.14 0.24 0.3 0.6 0.85 0.8 0.25 0.09 0.9
CEPS(Rs) 0.1 0.11 0.14 0.25 0.31 0.61 0.86 0.81 0.27 0.13 0.95
DPS(Rs) 0 0 0 0 0 0 0 0.05 0.08 0.1 0.05
Book NAV/Share(Rs) 2.16 2.92 3.24 3.48 3.78 4.68 6.1 8.28 8.47 9.31 13.41
Net Profit Margin 28.36 28.95 35.09 44.98 44.88 43.9 35.33 31.94 9.98 3.32 19.76
Operating Margin 65.46 72.21 70.87 77.45 82.22 86.57 90.15 69.97 46.12 40.02 54.94
PBT Margin 37.02 42.19 51.55 65.76 67.09 60.66 51.28 38.81 14 7.04 22.69
ROA(%) 4.03 3.73 4.24 6.33 6.53 7.31 6.47 6.18 1.45 0.45 3.19
ROE(%) 5.68 5.05 5.23 7.24 8.16 14.28 15.75 12.38 2.96 1.08 8.45
ROCE(%) 9.6 9.43 8.68 11.08 12.15 14.78 16.84 13.69 6.95 5.78 9.46
Price/Earnings(x) 0 0 27.14 21.16 37.11 39.16 17.66 18.61 73.85 261.46 54.15
Price/Book(x) 0 0 1.18 1.48 2.91 5.02 2.46 1.81 2.17 2.63 3.65
Dividend Yield(%) 0 0 0 0 0 0 0 0.17 0.2 0.2 0.1
EV/Net Sales(x) 4.81 3.26 8.84 9.98 18.13 21.51 9.57 8.26 9.98 11.04 14.14
EV/Core EBITDA(x) 7.18 4.48 12.31 12.59 21.66 24.69 10.59 11.76 21.2 26.63 25.27
Interest Earned Growth(%) 58.9 85.11 49.74 35.13 22.08 110.3 76.08 35.92 -1.14 20.01 88.68
Net Profit Growth 44.61 88.94 81.49 73.21 21.82 105.72 41.72 22.85 -69.12 -60.03 1021.81
EPS Growth(%) 4.26 11.24 32.56 73.21 21.82 102.13 41.72 -5.32 -69.12 -62.22 864.39
Interest Coverage(x) % 2.3 2.41 3.67 6.63 5.44 3.34 2.32 2.25 1.44 1.21 1.7

Star Housing Finance Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 41.21 37.38 35.93 25.62 24.02 22.9 22.22 20.62 19.79 19.62
FII 0 0 0 0 1.06 1.04 1.04 1.04 0.51 1.14
DII 0 0 0 0 0 0 0 0.22 0 0
Public 58.79 62.62 64.07 74.38 74.92 76.06 76.74 78.13 79.7 79.23
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 19.62%.
  • Company has a low return on equity of 4% over the last 3 years.
  • Stock is trading at 3.4 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Star Housing Finance News

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