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    Finance/Rental/Leasing
SRG Housing Finance Ltd.

SRG Housing Finance Ltd.

101.12
INR
-4.85
(-4.58%)
21.77EPS
13.78P/E
4.71BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
5.87
6.36
9.03
12.61
24.39
41.95
49.91
51.77
56.32
64.22
87.45
103.29
119.54
126.79
Basic EPS, GAAP
1.48
1.43
1.65
2.38
6.21
11.26
13.82
14.49
15.63
13.12
16.18
17.45
20.71
21.77
Free Cash Flow per Basic Share
-9.29
-8.87
-12.08
-21.53
-69.81
-51.95
17.37
-22.56
-1.1
-69.05
-110.6
-96.86
-158.98
- -
Dividend per Share
- -
0.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
12.09
13.01
14.5
26.13
32.61
43.61
57.58
72.01
87.49
102.51
120.05
168.38
189.09
- -
Tangible Book Value per Share
12.09
13.01
14.5
26.13
32.58
43.59
57.57
72
87.45
102.06
119.38
167.7
189.02
- -
Basic Weighted Avg Shares
8
11
11
11
13
13
13
13
13
13
13
14
16
16
Sales/Revenue/Turnover
47
68
102
144
317
545
649
673
732
835
1,138
1,444
1,875
1,991
Operating Margin (%)
63.78
37.32
29.01
28.85
35.56
35.19
34.06
33.27
33.36
25.01
21.85
21.82
22.07
21.4
Depreciation Expense
1
1
1
3
4
6
21
20
22
35
58
66
59
57
Net Income, GAAP
12
15
19
27
81
146
180
188
203
171
211
244
325
342
Effective Tax Rate (%)
29.64
32.32
32.58
32.77
27.35
24.77
20.1
20.78
20.4
18.94
19.31
18.84
19.07
19.21
Profit Margin (%)
25.18
22.44
18.28
18.87
25.48
26.85
27.7
27.98
27.76
20.43
18.51
16.89
17.33
17.17
Working Capital
60
86
51
253
-6
38
-45
133
94
-265
183
188
109
- -
LT Debt
155
247
292
605
1,337
2,024
1,831
2,022
1,963
2,434
3,886
4,590
6,610
- -
Total Equity
137
147
164
340
424
567
749
936
1,137
1,333
1,597
2,639
2,969
- -
Return on Invested Capital (%)
4.87
4.46
3.79
3.19
5.01
5.44
5.24
4.62
4.84
3.37
3.49
3.31
3.33
- -
Return on Capital (%)
8.22
8.86
9.37
3.25
5.07
5.62
5.74
5.4
5.2
3.9
3.77
3.34
3.32
- -
Return on Common Equity (%)
9.12
10.82
12
10.75
21.16
29.56
27.32
22.36
19.6
13.81
14.38
11.52
11.59
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
1,959
- -
LT Borrowings
- -
6,610
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
16
16
16
Market Capitalization
4,657
3,808
4,712

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
2,182
- -
Cash, Cash Equivalents & STI
- -
667
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
2,073
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
1,959
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
35.9%
27.26%
12.49%
Free Cash Flow
615.92%
1,239.72%
84.13%
Net Income, GAAP
41.64%
12.86%
33.19%
Sales/Revenue/Turnover
37.2%
23.18%
29.84%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
319
340
370
406
1,444
2026
390
448
474
550
1,875
2027
519
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
4.38
4.87
4.16
4.16
17.45
2026
4.33
5.26
5.23
5.89
20.71
2027
5.39
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Archis Jain
Full Time Employees
989
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Plot No. 12 Udaipur RA India 313001
IPO Date
Aug 23, 2012
Website
srghousing.com
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Business
SRG Housing Finance Limited (SRGHFL.NS) operates as a housing finance company in India, providing retail loans for residential property construction, purchase, renovation, extension, and repair; loans against property for residential or commercial use; and non-housing products including top-up loans, balance transfer facilities, and wealth loans to salaried individuals and businessmen. The company targets first-time borrowers, self-employed individuals, small business owners, and underserved rural populations with informal income sources through small-ticket loans featuring minimal documentation and rapid processing. Incorporated in 1999 and headquartered in Udaipur, Rajasthan, it maintains a network of 90 branches across seven states and one union territory, serving low- and middle-income customers with limited access to formal banking. Its core offerings encompass SRG Dream Home Loan, SRG Home Revision Loan, SRG Construction Loan, SRG Plot Loans, SRG Sparsh Home Loan, Specialty Loans, Home Loans for Self-Employed, NRI Housing Loans, Saral Plot Loans, New Avenue Loans, and Loans Against Property, alongside builder loans and resale home purchase financing. In recent developments, SRG Housing Finance allotted 2,600 non-convertible debentures worth INR 26 crore at 11.52% interest maturing in April 2031 through private placement in October 2025 and expects to receive INR 499.32 million from M3 Investment Private Ltd; it issued INR 50 crore in NCDs as part of Q2 FY26 results showing AUM at INR 866.64 crore and disbursements up 85%; the company plans 10-15 annual branch expansions over the next 3-4 years, targets INR 970 crore AUM by FY26 following a 33% loan book growth, and secured a credit rating upgrade to BBB+ positive.