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SRG Housing Finance Ltd. Stock Analysis

Small Cap
Evaluated by 90 users | BSE: 534680 | NSE: |
Finance - Housing
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...

Analysis of Financial Track Record

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.
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)0.91.32.44.76.910.214.534.157.971.3
Y-o-Y Gr. Rt.-41.1%85%101.7%44.9%48.8%42.2%134.9%69.5%23.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
0.340.50.561.061.361.652.086.2111.2613.82
Y-o-Y Gr. Rt.-47.1%12%89.3%28.3%21.3%26.1%198.6%81.3%22.7%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
6.477.6710.5111.6612.4914.2726.0332.3343.6157.58
Y-o-Y Gr. Rt.-18.6%37%10.9%7.1%14.3%82.4%24.2%34.9%32%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)2.954.424.414.764.333.723.154.895.455.54
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
SRG Housing Finance Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income62.6%59.7%70%23.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
50.9%59%88%22.7%
Book Value per Share
27.5%35.8%30.3%32%
Share Price - 11.4% -19.9% 33%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >14% : Very Good
  • 12%-14% : Somewhat Good
  • <12% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 18.0525.5327.1325.1822.3418.2818.6423.6725.3125.2
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 5.678.117.579.5211.2512.3410.8321.329.6727.32
Entity Percentage Holding
Promoters 61.54%
Institutions 0.48%
Non-Institutions 37.98%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of SRG Housing Finance Ltd.'s performance infers:

SRG Housing Finance Ltd. earnings have grown by 59%, whereas share price has appreciated 11.4% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

Data is not available for this company

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

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

  • Individual Home Loans- SparshHome loan, Home Revision Loan, Saral Plot Loans, Specialty Loan, Home Loan for Self Employed.
  • Special Loans- Wealth Loan, New Avenue Loan, NRI Housing Loans.

In 2012 - The Company launched a pilot project for Rural Housing Finance at Udaipur (Tehsil) headquarters.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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