SRG Housing Finance Ltd. (IN:SRGHFL)
:SRGHFL
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SRG Housing Finance Ltd.
(SRGHFL)
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Rating:56Neutral
Price Target:
₹247.00
▼(-11.64% Downside)
Action:ReiteratedDate:11/21/25
The overall stock score is primarily influenced by financial performance, which highlights strong revenue growth but also significant challenges with profit margins and liquidity. Technical analysis indicates a bearish trend with oversold conditions, while valuation suggests the stock is reasonably priced. The lack of earnings call and corporate events data limits additional insights.
Positive Factors
Revenue Growth
Sustained high revenue growth indicates accelerating loan origination and market penetration in core mortgage products. Over 2-6 months this supports scale benefits, stronger fee generation potential, and a larger interest-earning asset base that can underpin future net interest income if underwriting quality holds.
Negative Factors
Margin Compression
Significant drop in gross and net margins indicates rising funding or operating costs or mix shifts that erode core profitability. Persisting margin compression would reduce internal cash available for growth, make the business more rate-sensitive, and limit buffer against higher credit costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained high revenue growth indicates accelerating loan origination and market penetration in core mortgage products. Over 2-6 months this supports scale benefits, stronger fee generation potential, and a larger interest-earning asset base that can underpin future net interest income if underwriting quality holds.
Read all positive factors
SRG Housing Finance Ltd. (SRGHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.09B
Dividend YieldN/A
Average Volume (3M)249.00
Price to Earnings (P/E)14.2
Beta (1Y)0.57
Revenue Growth26.03%
EPS Growth5.03%
CountryIN
Employees636
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)5.23
Shares Outstanding15,701,838
10 Day Avg. Volume356
30 Day Avg. Volume249
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 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
75
Positive
Balance Sheet
65
Positive
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.60B | 1.42B | 756.46M | 834.87M | 732.10M | 673.02M |
| Gross Profit | 516.31M | 471.90M | 756.46M | 301.97M | 303.90M | 271.24M |
| EBITDA | 417.94M | 379.71M | 329.73M | 252.52M | 278.26M | 259.94M |
| Net Income | 269.66M | 243.95M | 210.59M | 170.57M | 203.22M | 188.34M |
Balance Sheet | ||||||
| Total Assets | 9.83B | 8.69B | 6.70B | 5.13B | 4.18B | 3.93B |
| Cash, Cash Equivalents and Short-Term Investments | 213.16M | 653.66M | 226.43M | 167.22M | 317.67M | 443.73M |
| Total Debt | 6.85B | 5.96B | 5.04B | 4.09B | 3.43B | 2.87B |
| Total Liabilities | 7.04B | 6.05B | 5.11B | 3.79B | 3.04B | 3.00B |
| Stockholders Equity | 2.79B | 2.64B | 1.60B | 1.33B | 1.14B | 936.11M |
Cash Flow | ||||||
| Free Cash Flow | -947.71M | -1.35B | -1.44B | -897.61M | -14.35M | -293.29M |
| Operating Cash Flow | -941.90M | -1.31B | -1.40B | -832.21M | 34.47M | -268.65M |
| Investing Cash Flow | -170.49M | -312.07M | -6.28M | 85.82M | -64.70M | -191.18M |
| Financing Cash Flow | 1.01B | 1.73B | 1.39B | 732.28M | 8.81M | 401.07M |
SRG Housing Finance Ltd. Technical Analysis
Negative
279.55
Price Trends
256.05
Negative
264.48
Negative
283.68
Negative
Market Momentum
-0.19
Negative
48.66
Neutral
42.71
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SRGHFL, the sentiment is Negative. The current price of 279.55 is above the 20-day moving average (MA) of 245.15, above the 50-day MA of 256.05, and below the 200-day MA of 283.68, indicating a neutral trend. The MACD of -0.19 indicates Negative momentum. The RSI at 48.66 is Neutral, neither overbought nor oversold. The STOCH value of 42.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | ₹269.28B | 8.58 | ― | 0.53% | 11.92% | 18.09% | |
66 Neutral | ₹118.42B | 20.38 | ― | 0.33% | 27.31% | 22.25% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
58 Neutral | ₹127.44B | 14.79 | ― | 1.60% | 26.86% | 25.30% | |
56 Neutral | ₹4.09B | 14.15 | ― | ― | 26.03% | 5.03% | |
53 Neutral | ₹111.88B | 17.04 | ― | ― | ― | ― | |
50 Neutral | ₹423.30B | 16.02 | ― | 2.92% | 24.77% | 3.70% |
* Real Estate Sector Average
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SRG Housing Finance Ltd. Corporate Events
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.