SRG Housing Finance Ltd. (SRGHFL) AI Stock Analysis

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SRG Housing Finance Ltd.

(NSE:SRGHFL)

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Rating:60Neutral

Price Target:INR 108.00▲(5.37% Upside)

Action:reiterated

Date:09/17/26

The overall score is constrained by extremely weak technicals, which indicate a strong bearish trend and heavy selling pressure. This is the most significant factor weighing on the score. The company's financial performance is moderate, with strong growth but compressed margins and historically weak cash flow. A very low P/E ratio provides a valuation cushion and is the primary positive factor, but it is not enough to offset the severe technical weakness in the near term.

Positive Factors

Revenue GrowthThe 2026 revenue acceleration indicates renewed demand for SRG Housing Finance’s lending products after a weak prior year. Sustained top-line expansion can enlarge the loan book, improve operating leverage, and provide a stronger base for future earnings growth.

Negative Factors

Elevated LeverageThe company remains meaningfully debt-funded, with substantial borrowing relative to equity and total debt continuing to rise alongside assets. This structure leaves less financial flexibility if funding conditions tighten, while interest and refinancing demands can constrain earnings and capital allocation.

SRG Housing Finance Ltd. (SRGHFL) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 1.64B
Dividend Yield: ―
Average Volume (3M): 13.66K
Price to Earnings (P/E): 4.8
Beta (1Y): 0.53
Revenue Growth: 29.20%
EPS Growth: 26.92%
Country: India
Employees: 989
Sector: General
Sector Strength: 55
Industry: Financial - Mortgages

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 loans;...

SRG Housing Finance Ltd. Financial Statement Overview

Summary

Strong revenue and asset growth are offset by declining margins and historically volatile cash flows. The recent return to positive operating cash flow is encouraging, but the overall financial health is moderate.

Income Statement

68Positive

Balance Sheet

70Positive

Cash Flow

55Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	2.07B	2.00B	1.42B	1.26B	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	11.75B	8.69B	6.70B	5.13B	4.18B
Cash, Cash Equivalents and Short-Term Investments	0	182.06M	653.66M	226.43M	167.22M	317.67M
Total Debt	0	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

Technical Analysis SentimentNeutral

Last Price102.50

Price Trends

50DMA136.94Negative

100DMA209.28Negative

200DMA237.34Negative

Market Momentum

MACD-10.16Negative

RSI35.29Neutral

STOCH59.46Neutral

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 102.50 is above the 20-day moving average (MA) of 102.31, below the 50-day MA of 136.94, and below the 200-day MA of 237.34, indicating a neutral trend. The MACD of -10.16 indicates Negative momentum. The RSI at 35.29 is Neutral, neither overbought nor oversold. The STOCH value of 59.46 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:SRGHFL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:CANFINHOME	72Outperform	INR 104.13B	9.03	―	1.92%	7.90%	25.13%
IN:LICHSGFIN	71Outperform	INR 321.79B	5.46	―	1.71%	-0.58%	6.78%
IN:REPCOHOME	69Neutral	INR 23.77B	4.84	―	2.63%	5.33%	7.15%
IN:GICHSGFIN	63Neutral	INR 7.21B	4.57	―	3.36%	0.64%	22.22%
IN:SRGHFL	60Neutral	INR 1.61B	4.80	―	―	29.20%	26.92%
IN:PNBHOUSING	58Neutral	INR 291.27B	12.39	―	0.72%	10.90%	9.13%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IN:SRGHFL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:SRGHFL	SRG Housing Finance Ltd.	102.50	-177.80	-63.43%
IN:CANFINHOME	Can Fin Homes Ltd.	782.05	-94.62	-10.79%
IN:GICHSGFIN	GIC Housing Finance Limited	133.80	-34.04	-20.28%
IN:LICHSGFIN	LIC Housing Finance Ltd	585.00	25.25	4.51%
IN:PNBHOUSING	PNB Housing Finance Limited	1116.80	205.57	22.56%
IN:REPCOHOME	Repco Home Finance Ltd.	380.00	-27.98	-6.86%

SRG Housing Finance Ltd. Corporate Events

SRG Housing Finance Conducts 27th AGM via Video Conferencing

Sep 28, 2026

SRG Housing Finance Ltd. held its 27th Annual General Meeting on September 28, 2026, via video conferencing and other audio-visual means in line with Ministry of Corporate Affairs and SEBI guidelines. The meeting was attended by key members of the bo...

SRG Housing Finance Holds Investor Call to Clarify Newspaper Article

Sep 19, 2026

SRG Housing Finance Ltd. convened a business update conference call with investors and analysts to address and clarify issues arising from a recently published newspaper article about the company. The call was organized under SEBI’s disclosure regula...

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.

Date of analysis: Sep 17, 2026

SRG Housing Finance Ltd. AI Stock Analysis