Any current/future new fundraising through debt or equity?

SRG Housing Finance plans to raise equity for expansion to support growth beyond Rs. 500 crore AUM. No immediate equity raise is planned for FY22, but they will look for equity infusion in advance before actual need arises. Current leverage is moderate, so the company is cautious about premature equity raising. A fund raise of approximately Rs. 150 crore through borrowing was done in FY 2021. Funding lines and liquidity remain strong, with no immediate debt fundraising concerns. Future equity raising will align with business growth and funding requirements over the next 3-4 years.

Future growth expectations in sales/revenue/volumes?

Targeting Rs. 500 crore loan book in FY2022, indicating significant growth from Rs. 320 crore as of FY2021. Disbursement expected to increase to around Rs. 50 crore per quarter, totaling approximately Rs. 150 crore in the remaining three quarters of FY2022. Anticipate faster growth due to easing COVID-19 impacts and better business reopening post-lockdowns. Current branches sufficient to meet business targets; no immediate branch expansion planned, focusing on maximizing existing branches' productivity. Equity raising planned in advance to support expansion but not immediately required in FY20

Future growth expectations in earnings/operating earnings/profits/EPS?

SRG Housing Finance targets a loan book of Rs. 500 crore in FY2022, indicating strong growth aspirations. Disbursements in Q4 FY2021 were Rs. 37 crore with growth of 162% YoY; they expect to disburse approximately Rs. 150 crore over the next three quarters. Profit before tax for Q4 FY2021 was Rs. 5 crore (51% growth YoY); full-year PAT grew by 5% to Rs. 19 crore. EPS in FY2021 was Rs. 14.48, up from Rs. 13.82 in the prior year. Comfortable lending rates of 18-20% with stable NIM of ~12% expected to sustain profitability. Expansion plans focus on growth from existing branches, optimizing costs

SRG HousingQ1 FY22Finance

SRG Housing Q1 FY22 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹99P/E: 4.5Market Cap: ₹156 CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

Yes

Order

Yes

Capex

2 of 5 growth signals are positive.

Full analysis

Revenue guidance

Category 2

Targeting Rs. 500 crore loan book in FY2022, indicating significant growth from Rs. 320 crore as of FY2021.
Disbursement expected to increase to around Rs. 50 crore per quarter, totaling approximately Rs. 150 crore in the remaining three quarters of FY2022.
Anticipate faster growth due to easing COVID-19 impacts and better business reopening post-lockdowns.
Current branches sufficient to meet business targets; no immediate branch expansion planned, focusing on maximizing existing branches' productivity.
Equity raising planned in advance to support expansion but not immediately required in FY2022.
Confident of achieving targets barring major disruption from subsequent COVID-19 waves.
Long-term expansion plan remains unchanged with strong focus on rural and small business segments.
Robust collections and loan repayment rates expected to sustain steady revenue growth.

Margin guidance

Category 3

SRG Housing Finance targets a loan book of Rs. 500 crore in FY2022, indicating strong growth aspirations.
Disbursements in Q4 FY2021 were Rs. 37 crore with growth of 162% YoY; they expect to disburse approximately Rs. 150 crore over the next three quarters.
Profit before tax for Q4 FY2021 was Rs. 5 crore (51% growth YoY); full-year PAT grew by 5% to Rs. 19 crore.
EPS in FY2021 was Rs. 14.48, up from Rs. 13.82 in the prior year.
Comfortable lending rates of 18-20% with stable NIM of ~12% expected to sustain profitability.
Expansion plans focus on growth from existing branches, optimizing costs with minimal branch additions.
Equity raise expected to support expansion but no immediate fund raising planned for FY22.
Management confident of achieving targets if no severe COVID-19 disruptions, with market reopening key for growth momentum.

See what SRG Housing management said on margin guidance — free account, 30 seconds.

Fundraise plans

Yes

SRG Housing Finance plans to raise equity for expansion to support growth beyond Rs. 500 crore AUM.
No immediate equity raise is planned for FY22, but they will look for equity infusion in advance before actual need arises.
Current leverage is moderate, so the company is cautious about premature equity raising.
A fund raise of approximately Rs. 150 crore through borrowing was done in FY 2021.
Funding lines and liquidity remain strong, with no immediate debt fundraising concerns.
Future equity raising will align with business growth and funding requirements over the next 3-4 years.

Order book

Yes

The transcript does not explicitly mention current or expected order book or pending orders for SRG Housing Finance Limited. However, relevant insights related to their business outlook include: - The company’s current loan book (AUM) stood at around Rs. 320 crore as of FY2021. - Target to grow loan book to Rs. 500 crore in FY2022 by disbursing approximately Rs. 150 crore across three quarters. - Disbursement capacity estimated at Rs. 50 crore per quarter. - No specific mention of pending orders; focus is on loan disbursements and achieving growth targets. - Business approach remains steady despite COVID-19 challenges, aiming to meet growth plans if no major market disruptions occur. Thus, the company primarily tracks loan disbursements and AUM growth rather than order books or pending orders in the conventional sense.

See what SRG Housing management said on order book — free account, 30 seconds.

Capex plans

- No immediate branch expansion plan as of June 2021; existing 35-37 branches sufficient to meet business targets. - Branch setup cost is relatively low (Rs. 1 to 1.5 lakh per branch) with about five employees per branch. - Potential to add 4-5 branches post-COVID if market conditions improve. - Focus remains on business quality and practical approach rather than expensive branch expansion. - No mention of other capital or strategic investments; emphasis is on leveraging existing infrastructure and growing loan book. - Equity raise planned for smooth expansion, but not for capital expenditures. - Hiring experienced personnel for risk management, credit, administration, and HR, indicating investment in human capital rather than physical assets. In summary, the company currently prioritizes optimized use of existing branches and employee quality over large capital investments or expansion, with equity raising targeted for growth support.

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