Sahara Housingfina Corporation Ltd Stock Analysis

BSE: 511533 | NSE: | Finance - Housing | Small Cap

BSE Share Price 23-Mar-2023 16:49
43.85 -2.15 (-4.67%)

DeciZen - Make an Informed Decision on Sahara Hsg Fin Corp

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Sahara Hsg Fin Corp Price Chart

P/E Ratio ( SA) :
Market Cap :
32.2 Cr.
52-wk low :
52-wk high :
Bole Toh?

1. Is Sahara Housingfina Corporation Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sahara Housingfina Corporation Ltd is a below average quality company.

2. Is Sahara Housingfina Corporation Ltd undervalued or overvalued?

The key valuation ratios of Sahara Housingfina Corporation Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is Sahara Housingfina Corporation Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sahara Housingfina Corporation Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Sahara Hsg Fin Corp:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Sahara Housingfina Corporation Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Operating Income (₹ Cr.)19.719.917.412.812.312.612.412.912.712.411
YoY Gr. Rt. %-1.3%-12.9%-26.4%-3.6%2%-1.4%4.1%-1.6%-2.4%-
Adj EPS (₹ )
YoY Gr. Rt. %-31.8%-17%-14.1%4.8%30.5%-17.4%-2.3%0.7%-14.7%-
BVPS (₹ )4245.845.247.950.754.457.464.167.269.871.5
YoY Gr. Rt. %-9%-1.2%6%5.9%7.3%5.6%11.7%4.7%3.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)


CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income-5%0.1%0%-2.4%
Adj EPS-1.3%-2%-5.7%-14.7%
Share Price 1% -6.1% 24.1% -2.6%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Net Profit Margin (%)
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 3.30%

Total Income has declined -10.82 CAGR in last 3 years

Net Profit has declined -5.69 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Sahara Housingfina Corporation Ltd.

Standalone Consolidated
TTM EPS (₹) 2.4 -
TTM Sales (₹ Cr.) 11.1 -
BVPS (₹.) 71.5 -
Reserves (₹ Cr.) 43 -
P/BV 0.64 -
PE 19.46 -
From the Market
52 Week Low / High (₹) 33.85 / 65.80
All Time Low / High (₹) 2.05 / 1445.35
Market Cap (₹ Cr.) 32.2
Equity (₹ Cr.) 7
Face Value (₹) 10
Industry PE 23.2

Management X-Ray of Sahara Hsg Fin Corp :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Sahara Hsg Fin Corp

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)


Sahara Housingfina Corporation Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Sahara Hsg Fin Corp on 23-Mar-2023 16:49 is : 43.85.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 23-Mar-2023 16:49 the market cap of Sahara Hsg Fin Corp stood at ₹ 32.20.
The latest PE ratio of Sahara Hsg Fin Corp as of 23-Mar-2023 16:49 is 19.46.
The latest PB ratio of Sahara Hsg Fin Corp as of 23-Mar-2023 16:49 is 0.64
The 52-week high of Sahara Hsg Fin Corp is ₹ 65.80 and the 52-week low is ₹ 33.85.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Sahara Hsg Fin Corp is ₹ 11.13 ( Cr.) .

About Sahara Housingfina Corporation Ltd

Sahara Housingfinas Corporation Limited (SHCL) was founded in August 2002 with its registered corporate office at Kolkata. A Sahara India Pariwar member, the company is engaged in providing different kinds of housing loans.

SHCL commenced retail-lending business in May 2004 with professionals from the industry and fully integrated on-line systems solution backed by strong procedures and underwriting standards. Today it operates from four regions viz. Kolkata, Lucknow, Hyderabad and Mumbai and has a branch each in Kolkata, Asansol, Siliguri, Lucknow, Gorakhpur, Pune, Hyderabad, Vijaywada and Mumbai. It serves its clientele through the attractive and competitive home loan schemes. Specially tailored schemes for the allotees of Sahara City Homes are also being worked out. The company is expanding its business by increasing the number of business outlets.

Sahara India Pariwar is a major entity on the corporate scene having diversified business interests that include finance, infrastructure & housing, media & entertainment, consumer products, manufacturing, services & trading.

With Sahara Home Loan, one can bring to life the house of his dreams. One could buy a self-contained flat in an existing or proposed co-operative society, in an apartment owner’s association or even an independent single-family or multi-family bungalow or row house as well as a house that he like anywhere in India (subject to local geo-limits of SHCL branches).

The company has a wide product range

The company provides loans to meet all the requirements of house a home.

Home Loans, Home Improvement Loans, Home Extension Loans, Loans to professionals for office or clinic, Mortgage Loans for children education, marriage etc. Land Loan (Govt. Plot). Loans on Adjustable Rate, Fixed Rate.

The company provides wider flexibility

  • Loan amounts range from Rs 1 lakh - 100 lakh
  • A choice between fixed and floating interest rates
  • Prepayment of the loan can be done after 6 months with a nominal fee
  • Loan tenure 5-20 years

The company has multiple repayment options

  • Step Up Repayment Facility
  • Helps young executives take a much bigger loan today based on an increase in their future income, this helps executives buy a bigger home today!
  • Flexible Loan installments Plan
  • Often customers, parents and their children, wish to purchase properties together. The parent is nearing retirement and their children have just started working. This option helps such customers combine the incomes and take a long term home loan where in the installment reduces upon retirement of the earning parent.

Tranche Based EMI

Customers purchasing an under construction property need to pay interest (on the loan amount drawn based on level of construction) till the property is ready . To help customer save this interest, we have introduced a special facility of tranche Based EMI. Customers can fix the installments they wish to pay till the property is ready. The minimum amount payable is the interest on the loan amount drawn. Anything over and above the interest paid by the customer goes towards principal repayment. The customer benefits by starting EMI and hence repays the loan faster.

Accelerated Repayment Scheme

Accelerated Repayment Scheme offers you a great oppourtunity to repay the loan faster by increasing the EMI. Whenever you get an increment, increase in your disposable income or have lumpsum funds for loan prepayment, you can benefit by

  • Increase in EMI means faster loan repayment
  • Saving of interest because of faster loan repayment
  • One can invest lumpsum funds rather than use it for loan prepayment. The return from the investments also gives you the comfort of paying the increased EMI.

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