Star Housing Finance Limited
BSE: STARHFL · Housing Finance Company
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Snapshot
Unlock Star Housing Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Star Housing Finance Limited is a retail-focused housing finance company providing loans for the purchase, construction, and renovation of residential units. It primarily serves low and middle-income segments in semi-urban and rural areas, with a focus on first-time homebuyers and individuals with informal income sources.
Business Model
The company generates revenue through interest income earned on housing loans provided to retail customers. It leverages a technology-driven credit assessment model to evaluate borrowers who often lack traditional credit documentation.
Growth Outlook
Growth is driven by the expansion of its branch network across states like Maharashtra, Gujarat, Rajasthan, and Madhya Pradesh. The company aims to scale its assets under management by deepening its penetration within the affordable housing segment.
Key Risks
- Credit Risk. The company's focus on informal income segments increases the probability of loan defaults and asset quality deterioration.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding affordable housing could adversely affect business operations.
- Geographic Concentration. Operating primarily in specific states makes the company vulnerable to regional economic downturns or localized disruptions.
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Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Star Housing Finance LimitedSTARHFL | ₹39 Cr | — | — | — | — | — | — | -78.9% |
Aavas Financiers Ltd.AAVAS | ₹10,113 Cr | 14.71 | — | 13.3% | 73.9% | 14.6% | — | -16.1% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,069 Cr | 13.34 | — | 25.7% | 72.3% | 17.9% | — | -31.0% |
Repco Home Finance LimitedREPCOHOME | ₹2,287 Cr | 4.74 | — | 6.2% | 88.7% | 12.9% | 10.3% | +5.4% |
GIC Housing Finance LimitedGICHSGFIN | ₹759 Cr | 4.82 | — | 1.2% | 82.7% | 7.7% | 8.6% | -18.1% |
SRG Housing Finance LimitedSRGHFL | ₹400 Cr | 11.71 | — | 31.3% | 63.4% | 12.2% | 20.5% | -18.7% |
Financials
Star Housing Finance Limited
BSE: STARHFL · Housing Finance Company
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Star Housing Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Star Housing Finance Limited is a retail-focused housing finance company providing loans for the purchase, construction, and renovation of residential units. It primarily serves low and middle-income segments in semi-urban and rural areas, with a focus on first-time homebuyers and individuals with informal income sources.
Business Model
The company generates revenue through interest income earned on housing loans provided to retail customers. It leverages a technology-driven credit assessment model to evaluate borrowers who often lack traditional credit documentation.
Growth Outlook
Growth is driven by the expansion of its branch network across states like Maharashtra, Gujarat, Rajasthan, and Madhya Pradesh. The company aims to scale its assets under management by deepening its penetration within the affordable housing segment.
Key Risks
- Credit Risk. The company's focus on informal income segments increases the probability of loan defaults and asset quality deterioration.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding affordable housing could adversely affect business operations.
- Geographic Concentration. Operating primarily in specific states makes the company vulnerable to regional economic downturns or localized disruptions.
Start your research today
Unlock AI insights, financials, peers and live data on Star Housing Finance Limited and 5,000+ companies — free.
Peers · Housing Finance Company
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