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SRG Housing Finance Ltd.
(SRGHFL)
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Rating:64Neutral
Price Target:
₹273.00
▼(-2.34% Downside)
Action:Reiterated
Date:07/21/26
The score is primarily held back by financial quality factors—high leverage and historically volatile/negative operating cash flows—despite solid earnings growth. Offsetting this, technicals are positive with the stock trading above key moving averages and a bullish MACD, and valuation appears reasonable at a mid-teens P/E.
Positive Factors
Revenue and Earnings Growth
Strong recent revenue reacceleration and higher net income indicate improving loan-business scale and earnings capacity. If sustained, this growth can strengthen retained capital and support further expansion of the housing finance portfolio.
Negative Factors
Elevated Leverage
SRGHFL remains heavily debt-funded relative to equity, increasing sensitivity to funding costs, refinancing access and credit-market disruption. Higher leverage leaves less balance-sheet capacity to absorb asset-quality deterioration or slower loan growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Earnings Growth
Strong recent revenue reacceleration and higher net income indicate improving loan-business scale and earnings capacity. If sustained, this growth can strengthen retained capital and support further expansion of the housing finance portfolio.
Read all positive factors
SRG Housing Finance Ltd. (SRGHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹3.79B
Dividend YieldN/A
Average Volume (3M)1.15K
Price to Earnings (P/E)11.3
Beta (1Y)0.36
Revenue Growth29.20%
EPS Growth26.92%
CountryIN
Employees858
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)21.77
Shares Outstanding15,707,588
10 Day Avg. Volume25
30 Day Avg. Volume1,152
Financial Highlights & Ratios
PEG Ratio0.63
Price to Book (P/B)1.28
Price to Sales (P/S)1.91
P/FCF Ratio10.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SRG Housing Finance Ltd. Business Overview & Revenue Model
Company Description
SRG Housing Finance Limited operates as a housing finance company in India. The company offers home loans, including construction, repair renovation and extension, new purchase, resale home purchase, plot and construction, and builder/project loan...
How the Company Makes Money
SRGHFL makes money primarily through interest income earned on its loan portfolio (the spread between the interest it charges borrowers and its own cost of funds). Key revenue streams typically include: (1) Interest income from housing loans and o...
SRG Housing Finance Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
57
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.07B | 2.00B | 1.42B | 756.46M | 834.87M | 732.10M |
| Gross Profit | 1.01B | 1.10B | 471.90M | 756.46M | 301.97M | 303.90M |
| EBITDA | 485.45M | 460.51M | 379.71M | 329.73M | 252.52M | 278.26M |
| Net Income | 341.81M | 324.91M | 243.95M | 210.59M | 170.57M | 203.22M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 11.75B | 8.69B | 6.70B | 5.13B | 4.18B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 182.06M | 653.66M | 226.43M | 167.22M | 317.67M |
| Total Debt | 0.00 | 8.57B | 5.96B | 5.04B | 4.09B | 3.43B |
| Total Liabilities | -2.97B | 8.78B | 6.05B | 5.11B | 3.79B | 3.04B |
| Stockholders Equity | 2.97B | 2.97B | 2.64B | 1.60B | 1.33B | 1.14B |
Cash Flow | ||||||
| Free Cash Flow | -947.71M | 354.51M | -1.35B | -1.44B | -897.61M | -14.35M |
| Operating Cash Flow | -941.90M | 374.80M | -1.31B | -1.40B | -832.21M | 34.47M |
| Investing Cash Flow | -170.49M | -3.24B | -312.07M | -6.28M | 85.82M | -64.70M |
| Financing Cash Flow | 1.01B | 2.73B | 1.73B | 1.39B | 732.28M | 8.81M |
SRG Housing Finance Ltd. Technical Analysis
Negative
279.55
Price Trends
279.08
Negative
276.30
Negative
270.72
Negative
Market Momentum
-9.51
Positive
21.95
Positive
43.94
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SRGHFL, the sentiment is Negative. The current price of 279.55 is above the 20-day moving average (MA) of 257.87, above the 50-day MA of 279.08, and above the 200-day MA of 270.72, indicating a bearish trend. The MACD of -9.51 indicates Positive momentum. The RSI at 21.95 is Positive, neither overbought nor oversold. The STOCH value of 43.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SRGHFL.
SRG Housing Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹303.97B | 13.12 | ― | 0.69% | 10.71% | 13.39% | |
70 Outperform | ₹310.79B | 5.39 | ― | 1.77% | 0.23% | 4.34% | |
69 Neutral | ₹22.46B | 4.68 | ― | 2.37% | 4.35% | 3.85% | |
64 Neutral | ₹3.79B | 11.27 | ― | ― | 29.20% | 26.92% | |
58 Neutral | ₹107.41B | 9.52 | ― | 1.86% | 8.20% | 28.17% | |
58 Neutral | ₹7.56B | 4.80 | ― | 3.21% | 0.64% | 22.22% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:SRGHFL
SRG Housing Finance Ltd.
241.35
-55.05
-18.57%
IN:CANFINHOME
Can Fin Homes Ltd.
806.65
72.68
9.90%
IN:GICHSGFIN
GIC Housing Finance Limited
140.40
-27.78
-16.52%
IN:LICHSGFIN
LIC Housing Finance Ltd
565.00
16.42
2.99%
IN:PNBHOUSING
PNB Housing Finance Limited
1,165.50
371.85
46.85%
IN:REPCOHOME
Repco Home Finance Ltd.
359.00
2.15
0.60%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.