Srg Housing Finance Ltd Stock Price Today (NSE: SRGHFL)
Fundamental Score
Srg Housing Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Srg Housing Finance Ltd share price today is ₹242.55, down 0.94% on NSE/BSE as of 30 March 2026. Srg Housing Finance Ltd (SRGHFL) is a Small-cap company in the Housing Finance Company sector with a market capitalisation of ₹421.40 (Cr). The 52-week high for SRGHFL share price is ₹353.95 and the 52-week low is ₹224.40. At a P/E ratio of 15.63x, SRGHFL is currently trading below its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 11.52% and a debt-to-equity ratio of 2.45.
Srg Housing Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Srg Housing Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Srg Housing Finance Share Price: A Conservative Value Investor's Perspective
In the often-volatile world of Housing Finance Companies (HFCs), particularly those focused on affordable housing, disciplined underwriting and efficient capital allocation are paramount. This analysis examines the current Srg Housing Finance share price of ₹274.85, adopting a conservative value investing lens prioritizing capital safety. Our focus is on evaluating the company's financial health and competitive positioning within the sector.
Currently, Srg Housing Finance trades at a PE ratio of 15.63. While this needs deeper investigation, comparing this to peers is essential. For instance, consider
India Shelter Finance Corporation Limited. A key aspect of any HFC is the quality of its management team. A crucial difference between Srg and India Shelter Finance Corporation Limited hinges on management experience and proven record in risk management, both vital for long-term sustainability within the affordable housing segment. We need to assess their track record through detailed governance analysis and stakeholder interviews before arriving at a conclusion about management's risk tolerance and strategic vision.One key metric underpinning a company's ability to generate sustainable returns is its Return on Capital Employed (ROCE). Srg Housing Finance boasts a ROCE of 12.29%. This level of ROCE, while seemingly positive, needs to be viewed in light of the cost of capital and the competitive landscape. A sustained ROCE above the cost of capital contributes to a company's "moat," its ability to defend its profitability against competitors. However, the strength of this moat depends heavily on the company's efficiency in managing its cost of funds, its underwriting standards in a potentially risky segment, and its ability to retain customers.
Comparing Srg's ROCE to peers like GIC Housing Finance Ltd and Aadhar Housing Finance Ltd, and further dissecting the drivers of this ROCE (asset quality, Net Interest Margin, operational efficiency) provides vital context. Furthermore, external macroeconomic risks and interest rate volatility are critical components to evaluate. This observational analysis forms part of a comprehensive 80-parameter fundamental audit, verified by Sweta Mishra, designed to assess the intrinsic value and long-term viability of Srg Housing Finance. No recommendations are provided, and this is not investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Srg Housing Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SRGHFL across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (67.24%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (25.00%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (32.58%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (16.31% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (59.11%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Weak Earnings Growth (2.40% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Elevated Debt Levels (D/E: 2.45)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.49x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-399.87 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Srg Housing Finance Ltd Financial Statements
Comprehensive financial data for Srg Housing Finance Ltd including income statement, balance sheet and cash flow
About SRGHFL (Srg Housing Finance Ltd)
SRG Housing Finance Ltd is a dedicated housing finance company committed to facilitating affordable homeownership dreams for individuals and families across India. With a specializ...ed focus on the underserved low and middle-income segments, SRG Housing Finance empowers individuals to build, renovate, or purchase their own homes. The company distinguishes itself through its tailored loan offerings, designed to meet the diverse needs of its target demographic. From home purchase loans to renovation and construction financing, SRG Housing Finance provides a comprehensive suite of solutions to support every stage of the homeownership journey. Their commitment lies in financial inclusion, making homeownership attainable for a wider section of the population. SRG Housing Finance goes beyond traditional lending by offering flexible and innovative loan products, including loans against property, balance transfers, and top-up loans. Understanding the unique challenges faced by self-employed individuals and small business owners, SRG Housing Finance offers customized loan options that cater to their specific financial circumstances. This inclusive approach sets them apart, enabling them to serve a segment often overlooked by larger financial institutions. SRG Housing Finance prioritizes a customer-centric approach, building strong relationships with borrowers and providing personalized guidance throughout the loan process. Their services are designed for convenient accessibility. SRG Housing Finance operates on a foundation of integrity and transparency, committed to responsible lending practices. By fostering financial literacy and empowering individuals with the knowledge to make informed decisions, SRG Housing Finance aims to create lasting positive impact in the lives of its customers and the communities it serves. With a strong network and deep understanding of the local housing market, SRG Housing Finance is dedicated to playing a vital role in driving inclusive growth and fulfilling the aspirations of homeownership for countless families. Their commitment extends to providing financial security through homeownership.
Company Details
Key Leadership
SRGHFL Share Price: Frequently Asked Questions
What is the current share price of Srg Housing Finance Ltd (SRGHFL)?
As of 30 Mar 2026, 12:05 pm IST, Srg Housing Finance Ltd share price is ₹242.55. The SRGHFL stock has a market capitalisation of ₹421.40 (Cr) on NSE/BSE.
Is SRGHFL share price Overvalued or Undervalued?
SRGHFL share price is currently trading at a P/E ratio of 15.63x, compared to the industry average of 18.03x. Based on this relative valuation, the Srg Housing Finance Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of SRGHFL share price?
The 52-week high of SRGHFL share price is ₹353.95 and the 52-week low is ₹224.40. These values are updated daily from NSE/BSE price data.
What factors affect the Srg Housing Finance Ltd share price?
Key factors influencing SRGHFL share price include quarterly earnings growth (Sales Growth: 32.58%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Srg Housing Finance Ltd a good stock for long-term investment?
Srg Housing Finance Ltd shows a 5-year Profit Growth of 6.31% and an ROE of 11.52%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.45 before investing in SRGHFL shares.
How does Srg Housing Finance Ltd compare with its industry peers?
Srg Housing Finance Ltd competes with major peers in the Housing Finance Company. Investors should compare SRGHFL share price P/E of 15.63x and ROE of 11.52% against the industry averages to determine competitive standing.
What is the P/E ratio of SRGHFL and what does it mean?
SRGHFL share price has a P/E ratio of 15.63x compared to the industry average of 18.03x. Investors pay ₹16 for every ₹1 of annual earnings.
How is SRGHFL performing according to Bull Run's analysis?
SRGHFL has a Bull Run fundamental score of 47.6/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SRGHFL belong to?
SRGHFL operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Srg Housing Finance Ltd share price.
What is Return on Equity (ROE) and why is it important for SRGHFL?
SRGHFL has an ROE of 11.52%, which shows decent profitability but room for improvement. ROE measures how efficiently Srg Housing Finance Ltd generates profits from shareholders capital.
How is SRGHFL debt-to-equity ratio and what does it indicate?
SRGHFL has a debt-to-equity ratio of 2.45, which indicates high leverage that increases financial risk.
What is SRGHFL dividend yield and is it a good dividend stock?
SRGHFL offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Srg Housing Finance Ltd shares.
How has SRGHFL share price grown over the past 5 years?
SRGHFL has achieved 5-year growth rates of: Sales Growth 16.31%, Profit Growth 6.31%, and EPS Growth 2.40%.
What is the promoter holding in SRGHFL and why does it matter?
Promoters hold 59.11% of SRGHFL shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Srg Housing Finance Ltd.
What is SRGHFL market capitalisation category?
SRGHFL has a market capitalisation of ₹421 crores, placing it in the Small-cap category.
How volatile is SRGHFL stock?
SRGHFL has a beta of N/A. A beta > 1 suggests the Srg Housing Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SRGHFL operating profit margin trend?
SRGHFL has a 5-year average Operating Profit Margin (OPM) of 67.24%, indicating the company's operational efficiency.
How is SRGHFL quarterly performance?
Recent quarterly performance shows Srg Housing Finance Ltd YoY Sales Growth of 32.58% and YoY Profit Growth of 25.00%.
What is the institutional holding pattern in SRGHFL?
SRGHFL has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Srg Housing Finance Ltd stock.