SRG Housing Finance Ltd
Ticker: SRGHFL
Decent
68/100
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Investing Reference
Price
299.00
Market Cap
468.85
Debt/Equity
2.2138
ROE %
11.547
PB
1.7763
Promoter %
59.115
Pledge %
0.000
1Y Rev Growth %
22.020
5Y Rev Growth %
16.313
NP Margin %
15.788
NP Margin 5Y Avg %
20.083
Trading Reference
1M Return %
1.796
6M Return %
-9.435
1Y Return %
-11.276
% Away 52W High
38.462
% Away 52W Low
9.785
Daily Volume
596
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 20/100 · 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.
AI Probability Statement
Probability Statement
SRG Housing Finance Ltd is currently trading near a key support level, with the 50-day EMA showing upward momentum. If it breaks above the resistance level, there is a potential for a bullish trend. However, if it falls below the support, a bearish trend may ensue.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
SRG Housing Finance Ltd is a leading financial institution dedicated to providing affordable housing loans to individuals and families across India. With a focus on empowering homeownership, the company caters to first-time buyers, low and middle-income segments, and builders. SRG Housing Finance plays a crucial role in supporting the government's housing initiatives, making home loans accessible and straightforward. Its commitment to customer service and transparent processes sets it apart in the industry.
- Leading provider of affordable housing finance
- Focus on empowering first-time homebuyers
- Supports low and middle-income families
- Aligned with government housing initiatives
- Transparent and customer-centric approach
Investment Thesis
SRG Housing Finance Ltd stands out due to its robust promoter credibility, a growing focus on digital services, and attractive valuations compared to peers. These factors position the company well for sustained growth in the competitive housing finance sector.
- Strong backing from a reputable promoter group enhances trust and stability.
- Significant growth potential in digital services catering to evolving customer needs.
- Valuation metrics indicate SRG is attractively priced compared to industry peers.
- Focus on expanding market share in the housing finance segment.
- Positive macroeconomic trends supporting housing demand bolster long-term prospects.
Opportunity vs Risk
Opportunities
- Growing housing demand in India
- Government support for affordable housing
- Potential for high dividend yields
- Expansion into new markets
- Strategic partnerships with developers
Risks ⚠️
- Regulatory changes impacting housing finance
- Rising interest rates affecting borrowers
- Economic slowdown impacting loan defaults
- Intense competition in the sector
- Market volatility affecting stock price
Peer Perspective
SRG Housing Finance Ltd trades at a discount compared to peers like HDFC and LIC Housing Finance, primarily due to its lower growth rate; a focus on margin stability could trigger a rerating.
Future Outlook
SRG Housing Finance Ltd is well-positioned for growth, driven by increasing demand in the housing sector; however, successful execution of its strategic initiatives and effective cost control will be crucial for sustaining this momentum.
AI FAQs for Retail Users
- Q: What does SRG Housing Finance Ltd do?A: SRG Housing Finance Ltd provides housing loans and financial services to individuals and businesses.
- Q: Is SRG Housing Finance Ltd a good investment?A: Investment decisions should be based on your financial goals and risk tolerance. Research is essential.
- Q: What are the risks of investing in SRG Housing Finance Ltd?A: Risks include market volatility, regulatory changes, and company performance. Always consider these factors.
- Q: How can I buy shares of SRG Housing Finance Ltd?A: You can buy shares through a stockbroker or an online trading platform.
- Q: What is the dividend policy of SRG Housing Finance Ltd?A: Dividends are declared at the company's discretion and depend on profitability and board decisions.
📊 Stock Investment Checklist (100 Points)
SRG Housing Finance Ltd • Updated: 2025-09-17 17:00:41
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is strong, but there are concerns about pledging.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
SRG Housing Finance Ltd shows potential for growth but faces challenges in profitability and valuation metrics. Investors should be cautious.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100