SRG Housing Finance Ltd. (SRGHFL) AI Stock Analysis

• Market Cap: ₹4.19B
• Dividend Yield: N/A
• Average Volume (3M): 249.00
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.48
• Revenue Growth: 25.40%
• EPS Growth: -2.19%
• Country: IN
• Employees: 636
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Mortgages
• EPS (TTM): 5.26
• Shares Outstanding: 15,694,588
• 10 Day Avg. Volume: 356
• 30 Day Avg. Volume: 249
• PEG Ratio: 2.47
• Price to Book (P/B): 1.79
• Price to Sales (P/S): 3.34
• P/FCF Ratio: -3.49
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: ₹266.00 ▲(1.41% Upside)

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

The robust revenue growth indicates successful business expansion and strong demand for housing finance solutions, enhancing long-term market position.

Operational Efficiency

Strong EBIT and EBITDA margins reflect effective cost management and operational efficiency, which are crucial for sustaining profitability in a competitive market.

Return on Equity

A solid return on equity suggests effective use of shareholders' funds to generate profits, which is vital for long-term shareholder value creation.

Negative Factors

Declining Profit Margins

Decreasing profit margins indicate rising costs or pricing pressures, which could impact future profitability and require strategic adjustments.

High Leverage

High leverage can increase financial risk, especially in volatile markets, potentially affecting the company's ability to invest in growth opportunities.

Negative Cash Flows

Negative cash flows highlight liquidity issues, which can constrain the company's ability to fund operations and meet financial obligations, impacting long-term stability.

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 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.

How the Company Makes Money

SRG Housing Finance Ltd. generates revenue primarily through the interest earned on housing loans and associated financial products. The company charges interest on home loans, which is a significant revenue stream, and earns fees from processing loans and providing financial advisory services. Additionally, SRGHFL may generate income from loan origination fees, processing fees, and prepayment penalties. The company might also engage in partnerships with real estate developers and builders, which can enhance its loan portfolio and customer base. Investments in securitized assets and other financial instruments could also contribute to their earnings, depending on market conditions and investment strategies.

SRG Housing Finance Ltd. Financial Statement Overview

Summary

SRG Housing Finance Ltd. demonstrates strong revenue growth and operational efficiency, but faces challenges with declining profit margins and high leverage. The negative cash flows highlight potential liquidity risks, which need to be addressed to ensure sustainable financial health.

Income Statement

SRG Housing Finance Ltd. has shown strong revenue growth of 53.25% in the latest year, indicating robust business expansion. However, the gross profit margin has decreased from 53.33% to 33.31%, suggesting increased cost pressures. The net profit margin also declined from 27.84% to 17.22%, which could be a concern for profitability. Despite these challenges, the company maintains a solid EBIT margin of 22.11% and EBITDA margin of 26.80%, reflecting operational efficiency.

Balance Sheet

The company has a high debt-to-equity ratio of 2.26, indicating significant leverage, which poses a risk in volatile markets. However, the return on equity stands at 9.24%, showing that the company is generating reasonable returns on its equity base. The equity ratio is 30.36%, suggesting a moderate level of equity financing relative to total assets.

Cash Flow

SRG Housing Finance Ltd. faces challenges with negative operating and free cash flows, indicating potential liquidity issues. The operating cash flow to net income ratio is negative, suggesting that the company is not converting its net income into cash effectively. The free cash flow to net income ratio is slightly above 1, indicating some alignment between free cash flow and net income, but overall cash flow management remains a concern.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.49B	1.42B	756.46M	834.87M	732.10M	673.02M
Gross Profit	481.00M	471.90M	756.46M	301.97M	303.90M	271.24M
EBITDA	384.72M	379.71M	329.73M	252.52M	278.26M	259.94M
Net Income	253.19M	243.95M	210.59M	170.57M	203.22M	188.34M
Balance Sheet
Total Assets	0.00	8.69B	6.70B	5.13B	4.18B	3.93B
Cash, Cash Equivalents and Short-Term Investments	0.00	653.66M	226.43M	167.22M	317.67M	443.73M
Total Debt	0.00	5.96B	5.04B	4.09B	3.43B	2.87B
Total Liabilities	-2.64B	6.05B	5.11B	3.79B	3.04B	3.00B
Stockholders Equity	2.64B	2.64B	1.60B	1.33B	1.14B	936.11M
Cash Flow
Free Cash Flow	0.00	-1.35B	-1.44B	-897.61M	-14.35M	-293.29M
Operating Cash Flow	0.00	-1.31B	-1.40B	-832.21M	34.47M	-268.65M
Investing Cash Flow	0.00	-312.07M	-6.28M	85.82M	-64.70M	-191.18M
Financing Cash Flow	0.00	1.73B	1.39B	732.28M	8.81M	401.07M

SRG Housing Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 262.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 262.3 is below the 20-day moving average (MA) of 276.53, below the 50-day MA of 286.66, and below the 200-day MA of 303.50, indicating a bearish trend. The MACD of -7.61 indicates Positive momentum. The RSI at 34.38 is Neutral, neither overbought nor oversold. The STOCH value of 33.31 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNBHOUSING	69 Neutral	₹238.65B	11.09	―	0.55%	12.51%	27.75%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
AAVAS	64 Neutral	₹129.89B	22.11	―	―	―	―
HOMEFIRST	62 Neutral	₹123.83B	26.81	―	0.33%	31.75%	21.70%
HUDCO	62 Neutral	₹466.24B	16.76	―	2.63%	30.25%	13.67%
APTUS	58 Neutral	₹147.62B	17.48	―	1.61%	28.47%	24.63%
SRGHFL	56 Neutral	₹4.19B	15.21	―	―	25.40%	-2.19%

SRG Housing Finance Ltd. Corporate Events

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

SRG Housing Finance Ltd. has released the transcript of its earnings conference call for the quarter and half-year ending September 30, 2025. This announcement is part of the company’s regulatory compliance and provides stakeholders with insights into its financial performance and strategic direction.

SRG Housing Finance Schedules Q2 FY26 Earnings Call

SRG Housing Finance Limited has announced that it will hold its Q2 FY26 Earnings Conference Call on November 14, 2025. This event will provide insights into the company’s financial performance for the quarter, with key management figures, including the Managing Director and Chief Financial Officer, participating in the discussion. The conference call is a significant event for stakeholders as it offers a detailed overview of the company’s financial health and strategic direction.

SRG Housing Finance Secures INR 26 Crore Through NCD Allotment

SRG Housing Finance Ltd. has announced the successful allotment of 2,600 non-convertible debentures (NCDs) through a private placement, raising INR 26 crore. The debentures, which carry an interest rate of 11.52% per annum and are set to mature in April 2031, were fully subscribed by four investors, indicating strong market confidence in the company’s financial stability and growth prospects.

SRG Housing Finance to Consider Issuance of Non-Convertible Debentures

SRG Housing Finance Limited has announced that its Borrowing Committee will meet on October 9, 2025, to consider the issuance of Non-Convertible Debentures (NCDs) on a private placement basis, following approval from the Board of Directors. This move is part of the company’s strategy to raise funds, and the trading window for dealing in its securities is currently closed until after the declaration of its financial results for the quarter ended September 30, 2025.