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Star Housing Finance Ltd.

Star Housing Finance Ltd.

STARHFL.BO
Star Housing Finance Ltd.IN flagBombay Stock Exchange
6.63
INR
+0.15
- -
523.53MMarket Cap
Star Housing Finance Ltd.
STARHFL.BO
(Bombay Stock Exchange)

Recent

price

6.63

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.41
0.54
0.57
0.71
1.43
2.36
2.74
2.27
2.59
4.44
6.89
10.06
11.26
Revenue per Share
0.12
0.19
0.24
0.3
0.61
0.85
0.92
0.25
0.1
0.97
1.14
1.41
0.84
Basic EPS, GAAP
-1.73
-0.4
-0.55
-0.6
-4.64
-2.88
-2
-1.52
-1.04
-15.76
-16.82
-8.27
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
0.06
- -
- -
- -
- -
- -
Dividend per Share
0.92
2.02
1.66
3.13
3.61
4.17
4.9
4.3
4.34
7.62
7.94
9.1
- -
Book Value per Share
3.24
4.38
3.47
3.78
5.53
6.31
9.56
8.49
9.93
14.56
17.07
18.01
- -
Tangible Book Value per Share
31
35
48
47
48
48
55
63
64
72
78
79
79
Basic Weighted Avg Shares
13
19
27
34
68
114
150
143
166
320
536
793
892
Sales/Revenue/Turnover
64.47
70.71
66.98
65.82
58.17
50.21
40.93
23.92
-3.08
11.13
9.95
5.21
1.72
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
1
20
4
7
8
13
Depreciation Expense
4
7
12
14
29
41
50
16
6
70
89
111
66
Net Income, GAAP
31.39
31.94
31.61
33.11
27.63
31.1
17.71
28.74
52.82
12.93
22.56
21.77
23.4
Effective Tax Rate (%)
28.95
35.09
42.66
41.85
42.45
36.05
33.69
10.92
3.75
21.84
16.57
13.99
7.45
Profit Margin (%)
73
117
106
144
- -
58
9
1,100
102
119
385
636
- -
Working Capital
- -
- -
1
33
190
298
220
643
543
1,203
2,453
3,037
- -
LT Debt
101
154
165
179
264
305
525
536
641
1,064
1,330
1,439
- -
Total Equity
- -
5.89
6.91
6.98
7.15
6.15
6.2
2.11
-0.17
1.51
1.14
0.65
- -
Return on Invested Capital (%)
- -
11.64
12.3
9.28
8.51
7.57
7.98
1.85
0.58
4.37
2.97
2.59
4.52
Return on Capital (%)
- -
13.37
15.37
12.36
18.07
21.96
21.46
5.79
2.27
16.89
15.23
16.62
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'26
Sep'26
Dec'26
ST Debt
- -
- -
- -
LT Borrowings
- -
3,918
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
79
- -
Market Capitalization
2,792
1,598
1,033

Working Capital

FRC

•

in mil. unless spec.
Jun'26
Sep'26
Dec'26
Total Current Assets
- -
5,198
- -
Cash, Cash Equivalents & STI
- -
371
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
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
27.15%
24.18%
8.16%
Free Cash Flow
223.93%
306.45%
-50.14%
Net Income, GAAP
121.02%
188.97%
24.94%
Sales/Revenue/Turnover
48.78%
44%
47.97%
Total Cash Common Dividend
- -
- -
-77.98%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
115
133
153
135
536
2025
186
210
232
166
793
2026
216
252
259
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.2
0.27
0.32
- -
1.14
2025
0.38
0.39
0.26
- -
1.41
2026
0.18
0.23
0.06
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Star Housing Finance Limited (STARHFL.BO) is a BSE-listed, rural-focused housing finance company that provides long-term affordable housing loans to economically weaker sections and low-income groups (EWS/LIG) for the purchase, construction, resale, renovation, extension, and improvement of residential properties in semi-urban and rural geographies. The company offers a range of regular housing loan products, including new purchase and resale home loans, construction loans on self-owned plots, composite loans, and improvement/extension loans; its rural housing loan portfolio features specialized products such as Nayi Manzil Griha Loan, Pakka Ghar Loan, Vikas Griha Loan, Nayi Peedhi Griha Loan, and Sulabh Swachhta loans, with retail home loans capped at INR 25 lakhs qualifying under Priority Sector Lending norms and PMAY guidelines. Star Housing Finance Limited also extends non-housing loans to individuals, corporates, and developers, operating through approximately 48 locations, including 35 branches across Maharashtra, Madhya Pradesh, Gujarat, Rajasthan, the National Capital Region, and Tamil Nadu. Founded in 2005 and headquartered at 603, Western Edge I, Above Metro Cash & Carry, Borivali East, Mumbai, India, the company is led by CEO Kalpesh Dave and employs around 256 professionals. Recent developments include a rights issue approved in September 2025 to raise INR 990 million for bolstering financial resources; a co-lending agreement with Vastu Housing Finance in March 2025; a INR 100 million term loan sanction from Poonawalla Fincorp in August 2024; approval for listing equity shares on the National Stock Exchange (NSE) in May 2025; and plans outlined in the FY 2024-25 annual report to double its branch network over FY26-27 while enhancing technology platforms and co-lending partnerships.