Haryana Financial Corp
Ticker: HARAFIN
Decent
58/100
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Investing Reference
Price
88.97
Market Cap
1759.69
Debt/Equity
0.0000
ROE %
11.341
PB
7.8474
Promoter %
99.364
Pledge %
0.000
1Y Rev Growth %
-81.717
5Y Rev Growth %
-1.300
NP Margin %
-0.173
NP Margin 5Y Avg %
34.422
Trading Reference
1M Return %
15.741
6M Return %
221.540
1Y Return %
254.321
% Away 52W High
0.000
% Away 52W Low
254.321
Daily Volume
100
Investment Verdict
Risky
Score 54/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Momentum
Score 87/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Haryana Financial Corp is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for significant upside. However, if it falls below the support, downside risks increase.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Haryana Financial Corporation (HFC) is a premier financial institution dedicated to supporting the growth of small and medium enterprises (SMEs) in Haryana. Established to provide accessible financing solutions, HFC empowers local businesses to thrive and contribute to the state's economic development. With a focus on customer-centric services, HFC plays a crucial role in fostering entrepreneurship and job creation.
- Supports small and medium enterprises in Haryana
- Provides accessible financing solutions
- Empowers local businesses for growth
- Fosters entrepreneurship and job creation
- Contributes to the state's economic development
Investment Thesis
Haryana Financial Corp stands out due to its credible promoter group, which enhances investor confidence. The company's focus on digital services presents a significant growth opportunity, aligning with the evolving financial landscape. Additionally, its attractive valuation compared to peers makes it a compelling investment choice for retail investors seeking long-term gains.
- Strong promoter credibility ensures stability and trust.
- Robust growth potential in digital services sector.
- Attractive valuation compared to industry peers.
- Strategic focus on expanding customer base.
- Solid financial fundamentals support sustainable growth.
Opportunity vs Risk
Opportunities
- Strong growth in financial services
- Expanding digital banking solutions
- Rising demand for personal loans
- Strategic partnerships with fintech
- Increasing market share in rural areas
Risks ⚠️
- Regulatory changes affecting operations
- High competition in financial sector
- Economic downturn impacting loan repayments
- Potential rise in default rates
- Market volatility affecting stock price
Peer Perspective
Haryana Financial Corp trades at a discount compared to peers like LIC Housing Finance and HDFC, primarily due to its lower growth prospects. Rerating hinges on improved margin stability and enhanced loan growth.
Future Outlook
Haryana Financial Corp has strong growth potential driven by strategic initiatives; however, successful execution and diligent cost control will be crucial in navigating market challenges and maximizing shareholder value in the coming quarters.
📊 Stock Investment Checklist (100 Points)
Haryana Financial Corp • Updated: 2025-09-17 15:43:59
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8BusinessHighThe financial services sector is evolving with digital transformation, but competition is increasing.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is not stable.
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6ValuationGoodValuation metrics are slightly above industry averages, indicating potential overvaluation.
-
7BalanceHighDebt levels are manageable, but liquidity ratios are on the lower side.
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5GovernanceGoodPromoter holding is decent, but there are concerns about transparency in disclosures.
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5DriversGoodLimited growth drivers identified, with execution risks in expanding services.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity and mixed price action.
Final Score & Verdict
Score 58 / 100
• Decent
Haryana Financial Corp shows potential but faces challenges in growth consistency and profitability. Caution is advised for investors.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100