SRG Housing Finance Limited
NSE: SRGHFL · Housing Finance Company
Snapshot
Unlock SRG Housing Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
SRG Housing Finance Limited is a housing finance company that provides home loans for construction, purchase, extension, and renovation. The company also offers loans against property for various personal and business requirements.
Business Model
The company generates revenue primarily through interest income earned on its portfolio of home loans and loans against property. It serves a diverse client base across multiple Indian states, focusing on both individual and builder financing.
Growth Outlook
Growth is driven by the expansion of its loan portfolio across its operational footprint in Rajasthan, Madhya Pradesh, Gujarat, Delhi, and Maharashtra. The company aims to leverage its existing market presence to capture demand in the affordable housing and property loan segments.
- Incorporation Year:1999
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces the risk of loan defaults, particularly from the affordable housing and small-ticket loan segments.
- Geographic Concentration. Operations are concentrated in specific Indian states, making the company vulnerable to regional economic downturns or local regulatory changes.
- Liquidity Risk. As a housing finance company, it relies on consistent access to funding markets to maintain its lending operations and meet debt obligations.
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Key Metrics
REVENUE
₹209 Cr
TTM · standalone
NET PROFIT
₹34 Cr
TTM · standalone
EPS
₹21.77
TTM · standalone
RETURN ON EQUITY
12.2%
TTM · standalone
P/E
11.3x
Q1 FY27 · standalone
EBITDA MARGIN
63.4%
TTM · standalone
NET PROFIT MARGIN
15.7%
Q1 FY27 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
SRG Housing Finance LimitedSRGHFL | ₹386 Cr | 11.27 | — | 31.3% | 63.4% | 12.2% | 20.5% | -18.1% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
Repco Home Finance LimitedREPCOHOME | ₹2,244 Cr | 4.66 | — | 6.2% | 88.7% | 12.9% | 10.3% | +0.2% |
GIC Housing Finance LimitedGICHSGFIN | ₹756 Cr | 4.80 | — | 1.2% | 82.7% | 7.7% | 8.6% | -18.7% |
As of Q1 FY27
Financials
SRG Housing Finance Limited
NSE: SRGHFL · Housing Finance Company
Snapshot
Unlock SRG Housing Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
SRG Housing Finance Limited is a housing finance company that provides home loans for construction, purchase, extension, and renovation. The company also offers loans against property for various personal and business requirements.
Business Model
The company generates revenue primarily through interest income earned on its portfolio of home loans and loans against property. It serves a diverse client base across multiple Indian states, focusing on both individual and builder financing.
Growth Outlook
Growth is driven by the expansion of its loan portfolio across its operational footprint in Rajasthan, Madhya Pradesh, Gujarat, Delhi, and Maharashtra. The company aims to leverage its existing market presence to capture demand in the affordable housing and property loan segments.
- Incorporation Year:1999
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces the risk of loan defaults, particularly from the affordable housing and small-ticket loan segments.
- Geographic Concentration. Operations are concentrated in specific Indian states, making the company vulnerable to regional economic downturns or local regulatory changes.
- Liquidity Risk. As a housing finance company, it relies on consistent access to funding markets to maintain its lending operations and meet debt obligations.
Start your research today
Unlock AI insights, financials, peers and live data on SRG Housing Finance Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹209 Cr
TTM · standalone
NET PROFIT
₹34 Cr
TTM · standalone
EPS
₹21.77
TTM · standalone
RETURN ON EQUITY
12.2%
TTM · standalone
P/E
11.3x
Q1 FY27 · standalone
EBITDA MARGIN
63.4%
TTM · standalone
NET PROFIT MARGIN
15.7%
Q1 FY27 · standalone
Peers · Housing Finance Company
As of Q1 FY27