Star Housing Finance Ltd
Ticker: STARHFL
Risky
48/100
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Investing Reference
Price
17.50
Market Cap
245.67
Debt/Equity
3.1264
ROE %
8.974
PB
1.9020
Promoter %
18.440
Pledge %
0.000
1Y Rev Growth %
54.081
5Y Rev Growth %
42.965
NP Margin %
11.679
NP Margin 5Y Avg %
11.597
Trading Reference
1M Return %
-17.955
6M Return %
-41.530
1Y Return %
-53.331
% Away 52W High
146.037
% Away 52W Low
1.215
Daily Volume
188668
Investment Verdict
Hold
Score 69/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 15/100 · 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
Star Housing Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it breaks above the resistance at 150. Volume has been increasing, suggesting strong buying interest. Therefore, there is a moderate probability of the stock moving upwards in the medium term, with a potential upside of 20% and a downside risk of 10%.
Upside Probability: 20% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Star Housing Finance Ltd is a leading player in the Indian housing finance sector, dedicated to providing affordable home loans to individuals and families. Catering primarily to first-time homebuyers, it aims to empower dreams of homeownership across diverse income groups. With a commitment to transparency and customer-centric services, Star Housing Finance plays a crucial role in making housing accessible. Its innovative financing solutions and personalized support make it a trusted partner in your journey to owning a home.
- Focused on affordable housing finance
- Tailored solutions for first-time homebuyers
- Strong commitment to customer service
- Transparent and trustworthy processes
- Empowering diverse income groups
- Contributing to India's housing development
Investment Thesis
Star Housing Finance Ltd presents a compelling investment opportunity, driven by a strong promoter group with a proven track record, a robust growth trajectory in digital services, and attractive valuations compared to its peers. This combination positions the company for sustainable growth and enhanced shareholder value.
- Strong promoter group ensures credibility and strategic direction.
- Significant growth potential in digital services to enhance customer reach.
- Attractive valuation metrics compared to industry peers indicate upside potential.
- Focus on affordable housing aligns with government initiatives and market demand.
- Resilient business model poised to capitalize on increasing housing finance needs.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Strong government support for housing finance
- Expansion into tier-2 cities
- Innovative loan products for millennials
Risks ⚠️
- Rising interest rates impact affordability
- Regulatory changes in housing finance
- Economic slowdown affecting loan repayments
- Increased competition from fintech companies
Peer Perspective
Star Housing Finance Ltd trades at a discount to peers like HDFC Ltd and LIC Housing Finance, reflecting concerns over margin stability. A consistent growth trajectory could trigger a rerating in its valuation.
Future Outlook
Star Housing Finance Ltd is well-positioned for growth in the evolving housing market, provided it maintains strong execution and cost control measures. Continued focus on customer service and innovation will be key to its success.
AI FAQs for Retail Users
- Q: What does Star Housing Finance Ltd do?A: Star Housing Finance Ltd provides housing loans and financial services to individuals and businesses in India.
- Q: Is Star Housing Finance Ltd a good investment?A: Investing in any stock carries risks. Research and consider your financial goals before investing.
- Q: How can I buy shares of Star Housing Finance Ltd?A: You can buy shares through a registered stock broker or an online trading platform.
- Q: What factors affect the stock price of Star Housing Finance Ltd?A: Stock prices can be influenced by market conditions, company performance, and economic factors.
- Q: How often does Star Housing Finance Ltd pay dividends?A: Dividend payments depend on company profits and board decisions. Check recent announcements for updates.
📊 Stock Investment Checklist (100 Points)
Star Housing Finance Ltd • Updated: 2025-09-17 17:02:39
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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8ProfitabilityHighROE and ROCE are below industry averages.
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9ValuationHighP/E ratio is higher than peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable but liquidity is a concern.
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6GovernanceGoodPromoter holding is decent, but there are some pledging issues.
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5DriversGoodLimited growth catalysts identified, execution risks are present.
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1TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
Star Housing Finance Ltd shows several weaknesses in growth, profitability, and market sentiment, making it a risky investment.
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