SRG Housing Finance Ltd. (IN:SRGHFL)
:SRGHFL
Want to see IN:SRGHFL full AI Analyst Report?
Top Page
SRG Housing Finance Ltd.
(SRGHFL)
Select Model
Select Model
Rating:64Neutral
Price Target:
₹306.00
▲(9.46% 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 and profitability recovery
A strong revenue step-up and rising net income over multiple years indicate improving core lending economics and growing scale. Sustained top-line expansion supports recurring net interest income and provides a foundation for reinvesting in distribution and credit capacity over the next 2–6 months.
Negative Factors
Elevated leverage and rising debt
High and rising leverage makes the company more sensitive to funding-cost shocks and tightening credit markets. With a debt-funded growth profile, liquidity or margin pressure could force tighter underwriting or higher funding costs, constraining durable profitability and strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability recovery
A strong revenue step-up and rising net income over multiple years indicate improving core lending economics and growing scale. Sustained top-line expansion supports recurring net interest income and provides a foundation for reinvesting in distribution and credit capacity over the next 2–6 months.
Read all positive factors
SRG Housing Finance Ltd. (SRGHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.25B
Dividend YieldN/A
Average Volume (3M)249.00
Price to Earnings (P/E)10.3
Beta (1Y)0.60
Revenue Growth29.16%
EPS Growth20.13%
CountryIN
Employees636
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)18.18
Shares Outstanding15,701,838
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. It offers home loans for construction, purchase, extension, and renovation purposes. The company also provides individual home loans and builder loans. In addition, it off...
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 | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.60B | 2.00B | 1.42B | 756.46M | 834.87M | 732.10M |
| Gross Profit | 516.31M | 1.10B | 471.90M | 756.46M | 301.97M | 303.90M |
| EBITDA | 417.94M | 460.51M | 379.71M | 329.73M | 252.52M | 278.26M |
| Net Income | 269.66M | 324.91M | 243.95M | 210.59M | 170.57M | 203.22M |
Balance Sheet | ||||||
| Total Assets | 9.83B | 11.75B | 8.69B | 6.70B | 5.13B | 4.18B |
| Cash, Cash Equivalents and Short-Term Investments | 213.16M | 182.06M | 653.66M | 226.43M | 167.22M | 317.67M |
| Total Debt | 6.85B | 8.57B | 5.96B | 5.04B | 4.09B | 3.43B |
| Total Liabilities | 7.04B | 8.78B | 6.05B | 5.11B | 3.79B | 3.04B |
| Stockholders Equity | 2.79B | 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
Neutral
279.55
Price Trends
259.41
Positive
266.20
Positive
279.30
Negative
Market Momentum
4.54
Positive
50.13
Neutral
16.52
Positive
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 above the 20-day moving average (MA) of 274.55, above the 50-day MA of 259.41, and above the 200-day MA of 279.30, indicating a neutral trend. The MACD of 4.54 indicates Positive momentum. The RSI at 50.13 is Neutral, neither overbought nor oversold. The STOCH value of 16.52 is Positive, 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 | ₹111.60B | 7.63 | ― | 1.37% | 8.73% | 26.67% | |
70 Outperform | ₹276.50B | 7.50 | ― | 0.53% | 11.92% | 18.09% | |
69 Neutral | ₹300.97B | 4.56 | ― | 1.87% | 2.62% | 2.96% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
64 Neutral | ₹4.25B | 10.29 | ― | ― | 29.16% | 20.13% | |
62 Neutral | ₹24.61B | 5.62 | ― | 1.61% | 5.45% | 1.41% | |
57 Neutral | ₹8.04B | 4.57 | ― | 2.54% | -0.61% | -3.49% |
* Real Estate Sector Average
IN:SRGHFL
SRG Housing Finance Ltd.
270.65
-44.35
-14.08%
IN:CANFINHOME
Can Fin Homes Ltd.
845.55
111.84
15.24%
IN:GICHSGFIN
GIC Housing Finance Limited
150.00
-33.96
-18.46%
IN:LICHSGFIN
LIC Housing Finance Ltd
538.50
-44.44
-7.62%
IN:PNBHOUSING
PNB Housing Finance Limited
1,055.50
16.64
1.60%
IN:REPCOHOME
Repco Home Finance Ltd.
394.00
0.26
0.07%
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...
SRG Housing Finance Drops CARE Rating, Retains ACUITE BBB+
Mar 24, 2026
SRG Housing Finance Ltd. has informed the stock exchanges that CARE Ratings has withdrawn its credit rating on the company’s bank facilities, following a voluntary request from SRG. The move reflects the company’s decision to rely on i...
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.