BSE:534680

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Executive Summary

SRG Housing Finance Limited operates as a housing finance company in India.


Snowflake Analysis

Proven track record and slightly overvalued.


Similar Companies

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.


Market Performance


7 Day Return

6.8%

534680

-1.4%

IN Consumer Finance

-0.3%

IN Market


1 Year Return

9.6%

534680

-2.6%

IN Consumer Finance

2.0%

IN Market

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.


Shareholder returns

534680IndustryMarket
7 Day6.8%-1.4%-0.3%
30 Day60.9%7.0%3.8%
90 Day119.7%36.4%19.7%
1 Year9.6%9.6%0.08%-2.6%3.9%2.0%
3 Year-46.2%-46.2%35.1%27.0%-0.6%-5.3%
5 Year80.7%80.7%170.9%147.1%27.0%17.4%

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

Valuation

Is SRG Housing Finance undervalued compared to its fair value and its price relative to the market?

8.33x

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).


Next Steps

Future Growth

How is SRG Housing Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.4%

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.


Next Steps

Past Performance

How has SRG Housing Finance performed over the past 5 years?

50.0%

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.


Next Steps

Financial Health

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.


Balance Sheet


Next Steps

Dividend

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.6yrs

Average management tenure


CEO

Vinod Jain (50 yo)

8.25yrs

Tenure

₹22,512,000

Compensation

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.


Leadership Team

NamePositionTenureCompensationOwnership
Vinod Jain
Chairman & MD8.25yrs₹22.51m21.02%
₹ 302.8m
Ashok Modi
Chief Financial Officerno data₹1.26mno data
Sunaina Nagar
Company Secretary & Chief Investor Relation Officer2.17yrs₹945.00kno data
Archis Jain
Head Business & Operations0.75yrno data1.41%
₹ 20.3m
Lavang Murdia
Chief Marketing Officer3.08yrsno datano data

2.6yrs

Average Tenure

Experienced Management: 534680's management team is considered experienced (2.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Vinod Jain
Chairman & MD8.25yrs₹22.51m21.02%
₹ 302.8m
Seema Jain
Non-Executive Non-Independent Director21.42yrsno data4.18%
₹ 60.2m
Ashok Kabra
Non-Executive Independent Director8.25yrsno datano data
Vikas Gupta
Non-Executive Independent Director8.33yrsno datano data
Nishant Badala
Non-Executive Independent Director5.25yrsno datano data
Garima Soni
Non-Executive Non-Independent Director1.5yrsno data0.036%
₹ 512.1k

8.3yrs

Average Tenure

45yo

Average Age

Experienced Board: 534680's board of directors are considered experienced (8.3 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

SRG Housing Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • SRG Housing Finance Limited
  • 321, S.M. Lodha Complex
  • Near Shastri Circle
  • Udaipur
  • Rajasthan
  • 313001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
534680BSE (Mumbai Stock Exchange)YesEquity SharesININRSep 2012

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/04 13:10
End of Day Share Price2020/08/04 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


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.