Arthneeti

SRG Housing Finance Q1 FY27 Share Price & Earnings Call Analysis

₹99.00-0.25% today
Market cap
₹156 Cr
P/E
4.55
ROE
11.59%
PEG
0.18
Price to sales
0.74
Debt to equity
2.89
52W high / low
₹320 / ₹98.2
Sales growth (5Y)
21.12%
EBITDA margin
62.63%
Net profit margin
16.28%
Promoter holding
59.02%
Sales (last year)
₹209 Cr

SRG Housing Finance Ltd, established in 1999, is an NHB-registered housing finance company focused on affordable housing finance for rural and semi-urban borrowers. Products cover home purchase, self-construction, renovation, extension and Loan Against Property (LAP). Company serves 25,000+ customers through 96 branches.[1]

Guidance scorecard · Q1 FY27 call

What SRG Housing's management guided
and where it ranks in Finance

#59of 59 in
Finance
RevenueWhat management saidMarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

  • The company plans to convert from a registered housing finance company to a non-banking finance company (NBFC) to enable multiple product offerings and drive growth.
  • Growth is expected from multiple products beyond traditional housing loans, leveraging the flexibility of an NBFC structure.
  • While there has been a temporary slowdown in fresh sanctions and disbursements due to ongoing audits and regulatory processes, Q3 and Q4 are anticipated to show improvement.

2 more points from SRG Housing's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what SRG Housing said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • The company plans to convert from a housing finance company to a Non-Banking Financial Company (NBFC) to enable multiple product offerings and growth opportunities.
  • This transition is a future plan recently approved by the board and will take at least six months to process, including obtaining necessary NOCs and consultations.
  • Promoters have expressed readiness to infuse additional capital if needed, with a commitment to put in up to 100% capital according to business requirements.
  • Currently, there is no shortfall in operations, and capital infusion is considered based on future need rather than immediate requirement.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what SRG Housing said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

  • Ongoing regulatory audit causing temporary slowdown in fresh sanctions and disbursements.
  • Fresh sanctions have been received but disbursement is paused until audit closure.
  • Business continues with active collections and repayments as per obligations.
  • Promoters committed to supporting liquidity and capital infusion if needed.

2 more points from SRG Housing's call on the order book

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Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does SRG Housing rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Financials of SRG Housing

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of SRG Housing

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +26.2326.8430.2231.7436.1533.7736.0638.9442.7541.7147.8150.4557.23
Interest10.1710.9313.1213.0713.6914.0314.9216.5116.6016.7518.1020.1122.69
Expenses +9.949.5310.1910.8613.5511.5511.9614.8517.4216.6518.5219.2221.62
Financing Profit6.126.386.917.818.918.199.187.588.738.3111.1911.1212.92
Financing Margin %23.33%23.77%22.87%24.61%24.65%24.25%25.46%19.47%20.42%19.92%23.41%22.04%22.58%
Other Income +0.220.010.980.470.410.210.781.300.740.980.640.800.10
Depreciation0.971.181.311.581.711.521.621.711.791.441.511.531.43
Profit before tax5.375.216.586.707.616.888.347.177.687.8510.3210.3911.59
Tax %22.16%15.55%20.21%20.60%19.97%14.83%20.62%19.80%19.40%13.50%20.06%20.98%20.19%
Net Profit +4.184.395.265.326.095.866.605.746.196.788.258.219.25
EPS in Rs3.223.384.054.094.584.344.624.013.954.325.265.235.89
Gross NPA %2.50%2.47%2.40%2.37%2.29%2.19%1.96%1.98%1.84%1.85%1.88%1.83%
Net NPA %0.51%0.49%0.56%0.62%0.69%0.67%0.59%0.61%0.61%0.62%0.64%0.68%

Financials of SRG Housing

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +71015345873778094127155199
Interest246112330313137516278
Expenses +234111518202232445676
Financing Profit234112025262824323746
Financing Margin %34%28%30%34%34%34%34%34%26%25%24%23%
Other Income +000000000000
Depreciation000012223676
Profit before tax234111922242621263040
Tax %32%32%33%27%25%20%21%20%19%19%19%19%
Net Profit +22381518192017212432
EPS in Rs1.361.652.086.2211.2613.8214.4815.6313.1215.8315.5720.69
Dividend Payout %18%0%0%0%0%0%0%0%0%0%0%0%

Financials of SRG Housing

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital111113131313131313131616
Reserves352129446281101120146248281
Borrowing254175167255246286287357491584857
Other Liabilities +12391010141817192121
Total Liabilities41591122183223313934185086708691,175
Fixed Assets +0111243724272420
CWIP000000251000
Investments01001926271293673
Other Assets +41581112163193173633784716358091,082
Total Assets41591122183223313934185086708691,175

Financials of SRG Housing

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-10-13-24-90-6623-273-83-140-131-247
Cash from Investing Activity +-0-20-1-1-9-19-69-1-31-39
Cash from Financing Activity +916447489-940173139173273
Net Cash Flow-1220-16215-6-2-1-210-13
Free Cash Flow-10-14-25-91-6823-29-1-90-144-135-249
CFO/OP-187%-175%-229%-382%-140%52%-38%15%-127%-163%-126%-194%

Financials of SRG Housing

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%12%11%21%30%27%22%20%14%14%12%12%

Guidance history

How SRG Housing's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →—FlatPlanned——
Q4 FY26 call →20–40%FlatPlannedPlannedRising
Q2 FY26 call →20–40%FlatNone plannedPlanned—
Q4 FY25 call →20–40%Up 0–2%PlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What SRG Housing's management said in earlier quarters

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