SRG Housing Finance Ltd
NSE: SRGHFL BSE: 534680
₹242.55
(4.28%)
Wed, 01 Apr 2026, 07:33 am
Market Cap3.61B
PE Ratio12.93
Dividend0
Finance
Finance/Rental/Leasing
24.5KSRG Housing Finance Analysis
dividend
- Unable to calculate sustainability of dividends as SRG Housing Finance has not reported any payouts.
- Unable to evaluate SRG Housing Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate SRG Housing Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.
health
- SRG Housing Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- SRG Housing Finance is profitable, therefore cash runway is not a concern.
- SRG Housing Finance is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.1x debt.
- SRG Housing Finance's cash and other short term assets cover its long term commitments.
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- The level of debt compared to net worth has increased over the past 5 years (144.5% vs 385.7% today).
- SRG Housing Finance's level of debt (385.7%) compared to net worth is high (greater than 40%).
management
- The tenure for the SRG Housing Finance board of directors is about average.
- The tenure for the SRG Housing Finance management team is about average.
- Vinod's remuneration is higher than average for companies of similar size in India.
- Vinod's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.
misc
- SRG Housing Finance is not covered by any analysts.
- SRG Housing Finance has significant price volatility in the past 3 months.
past
- SRG Housing Finance has delivered over 20% year on year earnings growth in the past 5 years.
- SRG Housing Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- SRG Housing Finance's 1-year earnings growth is less than its 5-year average (5.8% vs 51.8%)
- Whilst SRG Housing Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
- SRG Housing Finance's earnings growth has not exceeded the IN Consumer Finance industry average in the past year (5.8% vs 11%).
value
- SRG Housing Finance is good value based on earnings compared to the IN Consumer Finance industry average.
- SRG Housing Finance is good value based on earnings compared to the India market.
- BSE:534680 is up 8.4% along with the India market (8%) over the past month.
- SRG Housing Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- SRG Housing Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- SRG Housing Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
- 534680 underperformed the Consumer Finance industry which returned -28.8% over the past year.
- 534680 underperformed the Market in India which returned -14.5% over the past year.
- BSE:534680 is up 8.4% underperforming the Consumer Finance industry which returned 10.3% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800