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SRG Housing Finance Ltd. (IN:SRGHFL)
:SRGHFL
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SRG Housing Finance Ltd.
(SRGHFL)
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Rating:61Neutral
Price Target:
₹309.00
▲(3.02% Upside)
The overall stock score of 61 reflects the company's strong revenue growth and operational efficiency, tempered by declining profit margins, high leverage, and liquidity concerns. The technical indicators suggest a bearish trend, while the valuation appears reasonable. The absence of earnings call data and corporate events limits additional insights.
SRG Housing Finance Ltd. (SRGHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.65B
Dividend YieldN/A
Average Volume (3M)417.00
Price to Earnings (P/E)17.5
Beta (1Y)0.57
Revenue Growth22.03%
EPS Growth0.21%
CountryIN
Employees636
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)4.33
Shares Outstanding15,680,438
10 Day Avg. Volume277
30 Day Avg. Volume417
Financial Highlights & Ratios
PEG Ratio2.47
Price to Book (P/B)1.79
Price to Sales (P/S)3.34
P/FCF Ratio-3.49
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹309.00Price Target Upside3.02% Upside
Rating ConsensusHold
Number of Analyst Covering1
SRG Housing Finance Ltd. Business Overview & Revenue Model
Company DescriptionSRG Housing Finance Limited operates as a housing finance company in India. It offers home loans for construction, purchase, extension, and renovation purposes. The company also provides individual home loans and builder loans. In addition, it offers loan against property for business expansion, debt restructuring, converting existing loans via attractive rate of interest, children education, marriage, and other purposes. It operates in the state of Rajasthan, Madhya Pradesh, Gujarat, Delhi, and Maharashtra. The company was incorporated in 1999 and is headquartered in Udaipur, India.
How the Company Makes MoneySRG Housing Finance Ltd. generates revenue primarily through the interest earned on housing loans and associated financial products. The company charges interest on home loans, which is a significant revenue stream, and earns fees from processing loans and providing financial advisory services. Additionally, SRGHFL may generate income from loan origination fees, processing fees, and prepayment penalties. The company might also engage in partnerships with real estate developers and builders, which can enhance its loan portfolio and customer base. Investments in securitized assets and other financial instruments could also contribute to their earnings, depending on market conditions and investment strategies.
SRG Housing Finance Ltd. Financial Statement Overview
Summary
SRG Housing Finance Ltd. shows strong revenue growth and operational efficiency, but declining profit margins and high leverage are concerns. Negative cash flows indicate potential liquidity risks, which need addressing for sustainable financial health.Income Statement
SRG Housing Finance Ltd. has shown strong revenue growth of 53.25% in the latest year, indicating robust business expansion. However, the gross profit margin has decreased from 53.33% to 33.31%, suggesting increased cost pressures. The net profit margin also declined from 27.84% to 17.22%, which could be a concern for profitability. Despite these challenges, the company maintains a solid EBIT margin of 22.11% and EBITDA margin of 26.80%, reflecting operational efficiency.75
Positive
Balance Sheet
The company has a high debt-to-equity ratio of 2.26, indicating significant leverage, which poses a risk in volatile markets. However, the return on equity stands at 9.24%, showing that the company is generating reasonable returns on its equity base. The equity ratio is 30.36%, suggesting a moderate level of equity financing relative to total assets.65
Positive
Cash Flow
SRG Housing Finance Ltd. faces challenges with negative operating and free cash flows, indicating potential liquidity issues. The operating cash flow to net income ratio is negative, suggesting that the company is not converting its net income into cash effectively. The free cash flow to net income ratio is slightly above 1, indicating some alignment between free cash flow and net income, but overall cash flow management remains a concern.40
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.37B | 1.42B | 756.46M | 553.25M | 504.32M | 452.36M |
| Gross Profit | 481.00M | 471.90M | 756.46M | 285.95M | 303.90M | 271.24M |
| EBITDA | 384.72M | 379.71M | 329.73M | 252.52M | 278.26M | 259.94M |
| Net Income | 253.19M | 243.95M | 210.59M | 170.57M | 203.22M | 188.34M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 8.69B | 6.70B | 5.13B | 4.18B | 3.93B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 653.66M | 226.43M | 167.22M | 317.67M | 443.73M |
| Total Debt | 0.00 | 5.96B | 5.04B | 4.09B | 3.43B | 2.87B |
| Total Liabilities | -2.64B | 6.05B | 5.11B | 3.79B | 3.04B | 3.00B |
| Stockholders Equity | 2.64B | 2.64B | 1.60B | 1.33B | 1.14B | 936.11M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -1.35B | -1.44B | -897.61M | -14.35M | -293.29M |
| Operating Cash Flow | 0.00 | -1.31B | -1.40B | -832.21M | 34.47M | -268.65M |
| Investing Cash Flow | 0.00 | -312.07M | -6.28M | 85.82M | -64.70M | -191.18M |
| Financing Cash Flow | 0.00 | 1.73B | 1.39B | 732.28M | 8.81M | 401.07M |
SRG Housing Finance Ltd. Technical Analysis
Neutral
299.95
Price Trends
305.86
Negative
307.96
Negative
316.19
Negative
Market Momentum
-2.51
Negative
52.18
Neutral
27.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SRGHFL, the sentiment is Neutral. The current price of 299.95 is above the 20-day moving average (MA) of 293.66, below the 50-day MA of 305.86, and below the 200-day MA of 316.19, indicating a neutral trend. The MACD of -2.51 indicates Negative momentum. The RSI at 52.18 is Neutral, neither overbought nor oversold. The STOCH value of 27.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:SRGHFL.
SRG Housing Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹228.28B | 11.18 | ― | 0.57% | 10.58% | 27.73% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
63 Neutral | ₹126.44B | 27.37 | ― | 0.31% | 33.53% | 21.56% | |
62 Neutral | ₹157.85B | 19.73 | ― | 1.45% | 28.39% | 24.27% | |
61 Neutral | ₹4.65B | 17.48 | ― | ― | 22.03% | 0.21% | |
60 Neutral | ₹451.73B | 16.24 | ― | 1.84% | 32.45% | 24.80% | |
59 Neutral | ₹132.47B | 22.48 | ― | ― | ― | ― |
* Real Estate Sector Average
IN:SRGHFL
SRG Housing Finance Ltd.
299.95
-37.95
-11.23%
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IN:PNBHOUSING
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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.