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SRG Housing Finance Ltd.
(SRGHFL)
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Rating:64Neutral
Price Target:
₹338.00
▲(20.91% Upside)
Action:Reiterated
Date:05/13/26
The score is driven mainly by mixed financial quality—strong growth but high leverage and historically volatile/negative operating cash flows. Offsetting this, technical signals are positive and valuation (P/E ~10.3) appears supportive.
Positive Factors
Revenue acceleration
A sharp revenue step-up and rising net income indicate improving core lending demand and scale. Over a multi-quarter horizon this strengthens the earnings base, supports reinvestment in origination capacity, and provides a more durable platform for profit growth if underwriting quality holds.
Negative Factors
Elevated leverage
High and rising leverage means the business is significantly debt-funded, increasing sensitivity to funding cost moves and refinancing cycles. Elevated leverage constrains balance sheet flexibility and raises the potential for margin pressure or liquidity strain if market funding tightens.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue acceleration
A sharp revenue step-up and rising net income indicate improving core lending demand and scale. Over a multi-quarter horizon this strengthens the earnings base, supports reinvestment in origination capacity, and provides a more durable platform for profit growth if underwriting quality holds.
Read all positive factors
SRG Housing Finance Ltd. (SRGHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.50B
Dividend YieldN/A
Average Volume (3M)249.00
Price to Earnings (P/E)15.1
Beta (1Y)0.48
Revenue Growth29.16%
EPS Growth20.13%
CountryIN
Employees858
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)20.71
Shares Outstanding15,707,588
10 Day Avg. Volume356
30 Day Avg. Volume249
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 primarily makes money through (1) net interest income, (2) fees and other operating income, and (3) ancillary income linked to its lending activity.
1) Net interest income (core earnings): The company raises funds (e.g., through bank borro...
SRG Housing Finance Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
57
Neutral
Cash Flow
41
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.00B | 1.42B | 756.46M | 834.87M | 732.10M |
| Gross Profit | 1.10B | 471.90M | 756.46M | 301.97M | 303.90M |
| EBITDA | 460.51M | 379.71M | 329.73M | 252.52M | 278.26M |
| Net Income | 324.91M | 243.95M | 210.59M | 170.57M | 203.22M |
Balance Sheet | |||||
| Total Assets | 11.75B | 8.69B | 6.70B | 5.13B | 4.18B |
| Cash, Cash Equivalents and Short-Term Investments | 182.06M | 653.66M | 226.43M | 167.22M | 317.67M |
| Total Debt | 8.57B | 5.96B | 5.04B | 4.09B | 3.43B |
| Total Liabilities | 8.78B | 6.05B | 5.11B | 3.79B | 3.04B |
| Stockholders Equity | 2.97B | 2.64B | 1.60B | 1.33B | 1.14B |
Cash Flow | |||||
| Free Cash Flow | 354.51M | -1.35B | -1.44B | -897.61M | -14.35M |
| Operating Cash Flow | 374.80M | -1.31B | -1.40B | -832.21M | 34.47M |
| Investing Cash Flow | -3.24B | -312.07M | -6.28M | 85.82M | -64.70M |
| Financing Cash Flow | 2.73B | 1.73B | 1.39B | 732.28M | 8.81M |
SRG Housing Finance Ltd. Technical Analysis
Neutral
279.55
Price Trends
281.23
Positive
267.97
Positive
273.71
Positive
Market Momentum
4.07
Negative
50.66
Neutral
47.22
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 279.55 is below the 20-day moving average (MA) of 286.59, below the 50-day MA of 281.23, and above the 200-day MA of 273.71, indicating a bullish trend. The MACD of 4.07 indicates Negative momentum. The RSI at 50.66 is Neutral, neither overbought nor oversold. The STOCH value of 47.22 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹118.50B | 10.91 | ― | 1.37% | 8.20% | 28.17% | |
70 Outperform | ₹286.64B | 12.50 | ― | 0.53% | 11.92% | 18.09% | |
69 Neutral | ₹302.53B | 5.40 | ― | 1.87% | 2.62% | 2.96% | |
69 Neutral | ₹25.08B | 5.31 | ― | 1.61% | 4.25% | 3.04% | |
64 Neutral | ₹4.50B | 15.10 | ― | ― | 29.16% | 20.13% | |
57 Neutral | ₹8.14B | 5.27 | ― | 2.54% | -0.61% | -3.49% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:SRGHFL
SRG Housing Finance Ltd.
286.60
-28.40
-9.02%
IN:CANFINHOME
Can Fin Homes Ltd.
889.95
90.68
11.35%
IN:GICHSGFIN
GIC Housing Finance Limited
151.25
-37.56
-19.89%
IN:LICHSGFIN
LIC Housing Finance Ltd
550.00
-62.76
-10.24%
IN:PNBHOUSING
PNB Housing Finance Limited
1,099.95
20.10
1.86%
IN:REPCOHOME
Repco Home Finance Ltd.
400.95
-34.21
-7.86%
SRG Housing Finance Ltd. Corporate Events
SRG Housing Finance releases FY26 Q4 earnings presentation for investors
May 12, 2026
SRG Housing Finance Ltd. has released its investor presentation covering the audited financial results for the fourth quarter and full financial year ended March 31, 2026. The figures in the presentation are reported in millions of Indian rupees f...
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.