Sahara Housingfina Corporation Ltd
Ticker: SAHARAHOUS
Risky
48/100
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Investing Reference
Price
44.44
Market Cap
31.11
Debt/Equity
0.4268
ROE %
1.249
PB
0.5938
Promoter %
71.351
Pledge %
0.000
1Y Rev Growth %
-18.815
5Y Rev Growth %
-9.932
NP Margin %
7.532
NP Margin 5Y Avg %
12.651
Trading Reference
1M Return %
17.961
6M Return %
8.417
1Y Return %
-12.811
% Away 52W High
45.860
% Away 52W Low
35.653
Daily Volume
10331
Investment Verdict
Buy
Score 79/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 44/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Sahara Housingfina Corporation Ltd is a prominent financial institution in India, dedicated to providing affordable housing finance solutions. Catering primarily to the middle and lower-income segments, it plays a crucial role in making homeownership accessible. With a strong commitment to customer service and transparent processes, Sahara Housingfina is a trusted partner for aspiring homeowners. Its focus on empowering individuals through financial literacy and housing support makes it a significant player in the Indian housing finance sector.
- Specializes in affordable housing finance
- Targets middle and lower-income groups
- Strong commitment to customer service
- Promotes financial literacy
- Transparent processes for home loans
- Significant player in India's housing finance sector
Investment Thesis
Sahara Housingfina Corporation Ltd presents a compelling investment opportunity due to its robust promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustained growth in the evolving housing finance sector.
- Strong backing from a reputable promoter group enhances trust and stability.
- Digital services expansion aligns with the growing trend in fintech and housing finance.
- Valuation metrics indicate a favorable position against industry competitors.
- Potential for increased market share in a rapidly evolving sector.
- Focus on customer-centric services may drive long-term profitability.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Government support for housing finance
- Expansion into new markets
- Strong financial performance
- Potential for high dividend yields
Risks ⚠️
- Regulatory changes affecting housing sector
- Economic slowdown impacting sales
- High competition in housing finance
- Interest rate fluctuations
- Asset quality concerns
Peer Perspective
Sahara Housingfina trades at a discount to peers like HDFC and LIC Housing Finance, primarily due to slower growth. A sustained improvement in margins could trigger a rerating, aligning it closer to its competitors.
Future Outlook
Sahara Housingfina Corporation Ltd is well-positioned for growth in the housing finance sector, provided it maintains effective execution and cost control measures. Continued focus on customer service and innovation will be key to unlocking future potential.
📊 Stock Investment Checklist (100 Points)
Sahara Housingfina Corporation Ltd • Updated: 2025-09-17 16:26:51
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8BusinessHighThe housing finance sector is growing, but competition is intense.
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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 is not consistently strong.
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9ValuationHighValuation metrics are average compared to peers, indicating limited upside.
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6BalanceGoodDebt levels are manageable, but liquidity ratios need improvement.
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7GovernanceHighPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are limited, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with limited growth prospects and weak market sentiment, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100