Robust Revenue GrowthSustained double-digit revenue growth (53.25% latest year) reflects an expanding loan book and strong demand for mortgage products. Over the next 2-6 months this supports scalable net interest income, underwriting leverage and reinvestment capacity if credit trends hold.

Strong Operating MarginsEBIT and EBITDA margins of 22.11% and 26.80% indicate operational efficiency in origination and servicing. Durable margins provide a buffer against higher credit costs or funding pressure, supporting cash generation and the ability to fund growth and reserves over the medium term.

Positive ROE And Equity BaseROE of 9.24% with an equity ratio of 30.36% shows the company earns reasonable returns on shareholder capital while keeping a moderate equity cushion. This structure helps absorb losses, supports regulatory capital needs and enables measured lending expansion without immediate dilution.

Bears Say

High LeverageA debt-to-equity ratio of 2.26 signals significant financial leverage, increasing sensitivity to interest-rate moves and funding disruptions. Over months this constrains balance sheet flexibility, raises refinancing and liquidity risk for a mortgage lender, and can amplify earnings volatility.

Eroding Profit MarginsMaterial declines in gross and net margins point to compressed spreads or rising costs. Sustained margin erosion reduces the firm’s capacity to absorb higher credit costs, invest in distribution or improve ROE, undermining long-term profitability and competitive positioning.

Weak Cash ConversionNegative operating cash flow and a negative OCF-to-net-income ratio show earnings are not translating into cash. For a lending franchise this raises reliance on external funding, increases liquidity risk and limits the firm’s ability to self-fund loan growth or buffer shocks over the medium term.

SRG Housing Finance Ltd. News

SRG Housing Finance Calls EGM to Ratify Second Term for Independent Director

SRG Housing Finance Ltd. ( ($IN:SRGHFL) ) has shared an announcement. SRG Housing Finance Ltd has called an...

2M ago

SRG Housing Finance Releases Earnings Call Transcript for Q2 & H1 FY26

An announcement from SRG Housing Finance Ltd. ( ($IN:SRGHFL) ) is now available. SRG Housing Finance Ltd. has...

3M ago

SRG Housing Finance Schedules Q2 FY26 Earnings Call

SRG Housing Finance Ltd. ( ($IN:SRGHFL) ) just unveiled an update. SRG Housing Finance Limited has announced that...

3M ago

SRG Housing Finance Secures INR 26 Crore Through NCD Allotment

An update from SRG Housing Finance Ltd. ( ($IN:SRGHFL) ) is now available. SRG Housing Finance Ltd. has...

4M ago

SRG Housing Finance to Consider Issuance of Non-Convertible Debentures

SRG Housing Finance Ltd. ( ($IN:SRGHFL) ) has shared an announcement. SRG Housing Finance Limited has announced that...

5M ago

SRG Housing Finance Announces Extra-Ordinary General Meeting

The latest announcement is out from SRG Housing Finance Ltd. ( ($IN:SRGHFL) ). SRG Housing Finance Limited has...

1y ago

SRGHFL FAQ

What was SRG Housing Finance Ltd.’s price range in the past 12 months?

SRG Housing Finance Ltd. lowest stock price was ₹222.20 and its highest was ₹371.80 in the past 12 months.

What is SRG Housing Finance Ltd.’s market cap?

SRG Housing Finance Ltd.’s market cap is ₹4.22B.

When is SRG Housing Finance Ltd.’s upcoming earnings report date?

SRG Housing Finance Ltd.’s upcoming earnings report date is May 21, 2026 which is in 91 days.

How were SRG Housing Finance Ltd.’s earnings last quarter?

SRG Housing Finance Ltd. released its earnings results on Feb 06, 2026. The company reported ₹5.231 earnings per share for the quarter, beating the consensus estimate of N/A by ₹5.231.

Is SRG Housing Finance Ltd. overvalued?

According to Wall Street analysts SRG Housing Finance Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does SRG Housing Finance Ltd. pay dividends?

SRG Housing Finance Ltd. does not currently pay dividends.

What is SRG Housing Finance Ltd.’s EPS estimate?

SRG Housing Finance Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does SRG Housing Finance Ltd. have?

SRG Housing Finance Ltd. has 15,701,838 shares outstanding.

What happened to SRG Housing Finance Ltd.’s price movement after its last earnings report?

SRG Housing Finance Ltd. reported an EPS of ₹5.231 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.019%.

Which hedge fund is a major shareholder of SRG Housing Finance Ltd.?

Currently, no hedge funds are holding shares in IN:SRGHFL

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

SRG Housing Finance Ltd.

SRG 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.