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BSE: 534680 | NSE: SRGHFL | Finance - Housing | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that SRG Housing Finance Ltd is a average quality company.
The key valuation ratios of SRG Housing Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of SRG Housing Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 4.7 | 6.9 | 10.2 | 14.5 | 34.1 | 57.9 | 71.3 | 73.6 | 79.2 | 91.4 | 107 | |
| YoY Gr. Rt. % | - | 44.9% | 48.8% | 42.2% | 134.9% | 69.5% | 23.3% | 3.2% | 7.6% | 15.4% | - | |
| Adj EPS (₹ ) | 1.1 | 1.4 | 1.7 | 2.1 | 6.2 | 11.3 | 13.8 | 14.5 | 15.6 | 13.1 | 14.4 | |
| YoY Gr. Rt. % | - | 28.3% | 21.3% | 26.1% | 198.6% | 81.3% | 22.7% | 4.9% | 7.9% | -16.1% | - | |
| BVPS (₹ ) | 11.7 | 12.5 | 14.3 | 26 | 32.3 | 43.6 | 57.6 | 72 | 87.5 | 100.6 | 116.3 | |
| YoY Gr. Rt. % | - | 7.1% | 14.3% | 82.4% | 24.2% | 34.9% | 32% | 25.1% | 21.5% | 15% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 4.8 | 4.3 | 3.7 | 3.2 | 4.9 | 5.5 | 5.5 | 5.2 | 5 | 3.7 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 38.9% | 21.8% | 8.6% | 15.4% | ||||||||
| Adj EPS | 32.3% | 16.1% | -1.7% | -16.1% | ||||||||
| BVPS | 27.1% | 25.5% | 20.4% | 15% | ||||||||
| Share Price | 23.2% | 1.5% | 13.2% | 43.4% | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 25.2 | 22.3 | 18.3 | 18.6 | 23.7 | 25.3 | 25.2 | 25.6 | 25.7 | 18.7 | 17.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 9.5 | 11.3 | 12.3 | 10.8 | 21.3 | 29.7 | 27.3 | 22.4 | 19.6 | 14 | 12.4 | |
Total Income has increased 8.62 CAGR in last 3 years
Total income growth is not so good in last 4 quarters
Return on Equity has declined versus last 3 years average to 13.30%
Net Profit has declined -1.72 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 14.4 | - |
| TTM Sales (₹ Cr.) | 107 | - |
| BVPS (₹.) ⓘ | 116.3 | - |
| Reserves (₹ Cr.) ⓘ | 141 | - |
| P/BV ⓘ | 2.33 | - |
| PE ⓘ | 18.80 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 173.60 / 338.00 |
| All Time Low / High (₹) | 14.25 / 367.70 |
| Market Cap (₹ Cr.) | 360 |
| Equity (₹ Cr.) | 13.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 9.1 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 5 | 7 | 10 | 15 | 34 | 58 | 73 | 77 | 81 | 94 |
| Interest Income | 5 | 7 | 10 | 15 | 34 | 58 | 71 | 74 | 79 | 91 |
| Other Income ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | 3 |
| Expenditure ⓘ | 3 | 5 | 7 | 11 | 23 | 39 | 50 | 53 | 55 | 73 |
| Interest Expense ⓘ | 1 | 2 | 4 | 6 | 11 | 23 | 30 | 31 | 31 | 37 |
| Operating Expenses ⓘ | 1 | 2 | 3 | 4 | 10 | 13 | 19 | 20 | 24 | 33 |
| Provisions | 0 | 0 | 0 | 0 | 2 | 2 | 1 | 2 | 1 | 3 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 2 | 2 | 3 | 4 | 11 | 19 | 22 | 24 | 26 | 21 |
| Taxes ⓘ | 1 | 1 | 1 | 1 | 3 | 5 | 5 | 5 | 5 | 4 |
| Profit After Tax | 1 | 2 | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 |
| Adjusted EPS (₹) | 1.1 | 1.4 | 1.7 | 2.1 | 6.2 | 11.3 | 13.8 | 14.5 | 15.6 | 13.1 |
| Dividend Payout Ratio (%) | 0% | 18% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 14 | 15 | 16 | 34 | 42 | 57 | 75 | 94 | 114 | 131 |
| Share Capital ⓘ | 8 | 11 | 11 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| Reserves ⓘ | 6 | 3 | 5 | 21 | 29 | 44 | 62 | 81 | 101 | 118 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 16 | 25 | 29 | 62 | 137 | 253 | 244 | 283 | 284 | 354 |
| Current Liabilities | 1 | 1 | 14 | 17 | 39 | 10 | 10 | 14 | 17 | 22 |
| Trade Payables | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 3 | 3 | 3 |
| Short term borrowings | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | -2 | -1 | -2 | -1 | 0 | -3 | -3 | 0 |
| Total Liabilities ⓘ | 30 | 41 | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 509 |
Assets | ||||||||||
| Non Current Asset | 23 | 30 | 40 | 70 | 177 | 282 | 278 | 329 | 352 | 460 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 23 | 30 | 40 | 70 | 177 | 282 | 278 | 329 | 352 | 460 |
| Current Asset | 7 | 10 | 19 | 42 | 41 | 38 | 50 | 61 | 63 | 48 |
| Current Investment | 0 | 0 | 1 | 0 | 0 | 1 | 9 | 25 | 27 | 12 |
| Other Current Asset | 7 | 10 | 18 | 42 | 40 | 37 | 41 | 36 | 36 | 36 |
| Total Assets ⓘ | 30 | 41 | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 509 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 1 | 1 | 2 | 2 | 6 | 11 | 14 | 14 | 16 | 13 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 16 | 12 | 14 | 26 | 32 | 44 | 58 | 72 | 87 | 101 |
Performance Ratios | ||||||||||
| ROA (%) | 4.8 | 4.3 | 3.7 | 3.2 | 4.9 | 5.5 | 5.5 | 5.2 | 5.0 | 3.7 |
| ROE (%) | 9.5 | 11.3 | 12.3 | 10.8 | 21.3 | 29.7 | 27.3 | 22.4 | 19.6 | 14.0 |
| ROCE (%) | 12.6 | 13.8 | 14.1 | 11.8 | 14.1 | 16.4 | 16.7 | 15.6 | 14.4 | 13.1 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 2.9 | 7.7 | 4.9 | 4.7 | 9.2 | 5.8 | 0.9 | 3.0 | 1.5 | 1.5 |
SRG Housing Finance Limited, (SRGHFL) a Listed Housing Finance Company (HFC) registered under the Companies Act, 1956 was incorporated on 10th March, 1999, with the Registrar of Companies, Jaipur in the name of Vitalise Finlease Private Limited with an object to work in the field of housing finance.
The promoters had their efforts to start the business and with the vision to create a brand image of the company, change its name and subsequently converted it to Public Limited as SRG HOUSING FINANCE LTD.The company started its business operation after getting license from National Housing Bank. At present,the company is exclusively dealing with the housing loans having wide number of customer.
The company is providing loans under housing finance sector for construction, additions, alterations, repair & renovation purpose which has been declared as the priority sector lending by the Reserve Bank of India. Further SRGHFL got listed at SME Platform of BSE on September 11, 2012 through its Initial Public Offer.
Product & Services
In 2012 - The Company launched a pilot project for Rural Housing Finance at Udaipur (Tehsil) headquarters.
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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