SRG Housing Finance Limited operates as a housing finance company in India.
Proven track record and slightly overvalued.
Share Price & News
How has SRG Housing Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 534680's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 534680 exceeded the Indian Consumer Finance industry which returned -1.8% over the past year.
Return vs Market: 534680 exceeded the Indian Market which returned 1.6% over the past year.
Price Volatility Vs. Market
How volatile is SRG Housing Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is SRG Housing Finance undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 534680 (₹115.1) is trading above our estimate of fair value (₹60.11)
Significantly Below Fair Value: 534680 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 534680 is good value based on its PE Ratio (8.3x) compared to the IN Consumer Finance industry average (11.1x).
PE vs Market: 534680 is good value based on its PE Ratio (8.3x) compared to the Indian market (13.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 534680's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 534680 is overvalued based on its PB Ratio (2x) compared to the IN Consumer Finance industry average (0.5x).
How is SRG Housing Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as SRG Housing Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Check out SRG Housing Finance's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- SRG Housing Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has SRG Housing Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 534680 has high quality earnings.
Growing Profit Margin: 534680's current net profit margins (42.6%) are higher than last year (40.5%).
Past Earnings Growth Analysis
Earnings Trend: 534680's earnings have grown significantly by 50% per year over the past 5 years.
Accelerating Growth: 534680's earnings growth over the past year (26.7%) is below its 5-year average (50% per year).
Earnings vs Industry: 534680 earnings growth over the past year (26.7%) exceeded the Consumer Finance industry -2.8%.
Return on Equity
High ROE: Whilst 534680's Return on Equity (24.01%) is high, this metric is skewed due to their high level of debt.
How is SRG Housing Finance's financial position?
Financial Position Analysis
Short Term Liabilities: 534680's short term assets (₹3.0B) exceed its short term liabilities (₹3.6M).
Long Term Liabilities: 534680's short term assets (₹3.0B) exceed its long term liabilities (₹2.6B).
Debt to Equity History and Analysis
Debt Level: 534680's debt to equity ratio (328.1%) is considered high.
Reducing Debt: 534680's debt to equity ratio has increased from 169.2% to 328.1% over the past 5 years.
Debt Coverage: 534680's debt is not well covered by operating cash flow (9.5%).
Interest Coverage: Insufficient data to determine if 534680's interest payments on its debt are well covered by EBIT.
What is SRG Housing Finance current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 534680's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 534680's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 534680's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 534680's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: 534680 is not paying a notable dividend for the Indian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 534680's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Vinod Jain (50 yo)
Mr. Vinod Kumar Jain serves as the Managing Director of S R G Securities Finance Limited and is responsible for strategic planning and administration. Mr. Jain has been the Managing Director of SRG Housing ...
CEO Compensation Analysis
Compensation vs Market: Vinod's total compensation ($USD299.31K) is above average for companies of similar size in the Indian market ($USD49.43K).
Compensation vs Earnings: Vinod's compensation has increased by more than 20% in the past year.
|Chairman & MD||8.25yrs||₹22.51m||21.02% |
|Chief Financial Officer||no data||₹1.26m||no data|
|Company Secretary & Chief Investor Relation Officer||2.17yrs||₹945.00k||no data|
|Head Business & Operations||0.75yr||no data||1.41% |
|Chief Marketing Officer||3.08yrs||no data||no data|
Experienced Management: 534680's management team is considered experienced (2.6 years average tenure).
|Chairman & MD||8.25yrs||₹22.51m||21.02% |
|Non-Executive Non-Independent Director||21.42yrs||no data||4.18% |
|Non-Executive Independent Director||8.25yrs||no data||no data|
|Non-Executive Independent Director||8.33yrs||no data||no data|
|Non-Executive Independent Director||5.25yrs||no data||no data|
|Non-Executive Non-Independent Director||1.5yrs||no data||0.036% |
Experienced Board: 534680's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
SRG Housing Finance Limited's company bio, employee growth, exchange listings and data sources
- Name: SRG Housing Finance Limited
- Ticker: 534680
- Exchange: BSE
- Founded: 1999
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹1.440b
- Shares outstanding: 13.00m
- Website: https://www.srghousing.com
Number of Employees
- SRG Housing Finance Limited
- 321, S.M. Lodha Complex
- Near Shastri Circle
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|534680||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Sep 2012|
SRG Housing Finance Limited operates as a housing finance company in India. It offers home loans for construction, additions, alterations, and repair and renovation purposes. The company also provides indi ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/04 13:10|
|End of Day Share Price||2020/08/04 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.