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    Financial - Mortgages
SRG Housing Finance Limited

SRG Housing Finance Limited

SRGHFL.NS
SRG Housing Finance LimitedIN flagNational Stock Exchange of India
306.30
INR
+6.30
- -
4.81BMarket Cap
SRG Housing Finance Limited
SRGHFL.NS
(National Stock Exchange of India)

Recent

price

306.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
2.97
2.58
5.87
6.36
9.03
12.61
24.39
41.95
49.91
51.77
56.32
64.22
87.45
102.18
- -
118.7
Revenue per Share
0.76
0.7
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
Basic EPS, GAAP
-5.33
-12.23
-9.29
-8.87
-12.08
-21.53
-69.81
-51.95
17.37
-22.56
-1.1
-69.05
-110.6
-96.89
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
0.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
8.84
9.41
11.73
12.49
13.05
16.06
19.04
27.58
38.71
50.21
62.52
72.98
86.13
95.8
- -
10.01
Book Value per Share
11.51
13.77
16.93
13.67
14.5
29.84
32.58
43.59
57.57
72
87.45
102.06
122.03
188.05
- -
189.2
Tangible Book Value per Share
4
9
8
11
11
11
13
13
13
13
13
13
13
14
- -
16
Basic Weighted Avg Shares
13
23
47
68
102
144
317
545
649
673
732
835
1,138
1,428
1,885
1,862
Sales/Revenue/Turnover
72.13
63.54
63.78
37.32
29.01
28.85
35.56
35.19
34.06
33.27
33.36
25.01
21.85
19.7
22.53
21.59
Operating Margin (%)
- -
1
1
1
1
3
4
6
21
20
22
35
58
66
59
59
Depreciation Expense
3
6
12
15
19
27
81
146
180
188
203
171
211
244
325
325
Net Income, GAAP
26.69
24.15
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
19.07
Effective Tax Rate (%)
25.53
27.13
25.18
22.44
18.28
18.87
25.48
26.85
27.7
27.98
27.76
20.43
18.51
17.08
17.24
17.45
Profit Margin (%)
46
-9
60
86
51
253
-6
38
-45
133
94
-265
183
239
10,402
10,402
Working Capital
- -
38
155
247
292
605
1,337
2,024
1,831
2,022
1,963
2,434
3,886
4,590
8,569
8,569
LT Debt
49
125
137
147
164
340
424
567
749
936
1,137
1,333
1,597
2,639
2,969
2,969
Total Equity
- -
8.01
8.68
5.03
4.06
3.29
5.07
5.44
5.47
4.97
4.88
3.71
3.45
3
3.41
3.23
Return on Invested Capital (%)
- -
5.5
9.85
9.63
9.66
3.63
5.67
6.07
6.18
5.84
5.63
4.23
4.07
3.78
4.05
4.05
Return on Capital (%)
- -
10.32
13.24
13.4
13.24
16.39
37.54
48.33
41.71
32.59
27.73
19.37
20.35
19.83
43.43
43.43
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
6,854
- -
8,569
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
16
- -
16
Market Capitalization
4,278
4,585
3,805

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
8,745
- -
10,453
Cash, Cash Equivalents & STI
213
- -
182
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
40
- -
51
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
37.27%
23.32%
31.94%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
251
280
294
312
1,138
2025
319
340
370
406
1,428
2026
390
448
474
550
1,885

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.38
4.05
4.09
- -
16.18
2025
4.38
4.87
4.16
4.16
17.45
2026
4.33
5.26
5.23
5.89
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.