Arthneeti

Star Housing Finance Q1 FY26 Share Price & Earnings Call Analysis

₹3.85+1.58% today
Market cap
₹30 Cr
P/E
4.58
ROE
7.95%
PEG
0.03
Price to sales
0.29
Debt to equity
2.67
52W high / low
₹16.6 / ₹3.67
Sales growth (5Y)
42.23%
EBITDA margin
62.88%
Net profit margin
11.89%
Promoter holding
17.50%
Sales (last year)
₹100 Cr

Incorporated in 2005, Star Housing Finance Ltd provides loans for the purchase, construction, development and repair of houses, apartments and commercial properties in India[1]

Guidance scorecard · Q1 FY26 call

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

#57of 59 in
Finance
Revenue10–20%MarginsFlatCapexNone plannedFundraisingPlannedOrder bookWhat management said

RevenueQ1 FY26 call

10–20%
  • Star Housing Finance is optimistic about a good financial year, aiming to leverage H2 which includes festival and harvesting seasons with high activity in semi-urban and rural areas.
  • Disbursements are ramping up steadily after a slow Q3 and Q4 in the previous year; INR 20 crores were disbursed in the last 1.5 months, with expectations for further increase.
  • The company plans calibrated growth to avoid sharp spikes and ensure sustainable scaling.
  • Growing the loan book is a key focus, supported by increased borrowing limits from INR 700 crores to INR 1,000 crores, and issuing NCDs for growth capital.
  • Equity raising is ongoing to strengthen capitalization, with potential inflows expected in the current financial year pending approvals.

2 more points from Star Housing Finance Ltd's call on revenue

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Full Q1 FY26 analysis

MarginsQ1 FY26 call

Flat

See what Star Housing Finance Ltd said on margins — free account, 30 seconds.

Full Q1 FY26 analysis

CapexQ1 FY26 call

None planned
  • No new products or geographies are planned; the company is well-diversified and does not see the need for further expansion currently.
  • The company focuses on strengthening capitalization levels, with ongoing engagement for equity raising expected to materialize in the current financial year, subject to approvals.
  • Increase in authorized capital from INR 50 crores to INR 125 crores approved by the Board, subject to shareholder approval.
  • Approved issuance of non-convertible debentures up to INR 50 crores targeted for growth purposes, not refinancing.

2 more points from Star Housing Finance Ltd's call on capex

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Full Q1 FY26 analysis

FundraisingQ1 FY26 call

Planned

See what Star Housing Finance Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY26 analysis

Order bookQ1 FY26 call

  • The company is actively engaging with prospects for equity raising, but no official announcements have been made yet; capital raising is expected within the financial year subject to approvals.
  • Board has approved an increase in borrowing limit from INR 700 crores to INR 1,000 crores to support growth.
  • Liability pipeline is developing healthily with a mix of funds from financial institutions, public sector banks, and instruments including NCDs.

2 more points from Star Housing Finance Ltd's call on the order book

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Full Q1 FY26 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 Star Housing Finance Ltd 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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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Star Housing Finance Ltd

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

Financials of Star Housing Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue +9.9611.6012.2913.6716.3316.3318.9121.9124.0327.7121.8125.1525.82
Interest2.844.385.456.537.678.1810.2011.1212.1413.0312.8813.8413.62
Expenses +4.256.164.624.785.416.856.697.398.6410.756.948.5911.02
Financing Profit2.871.062.222.363.251.302.023.403.253.931.992.721.18
Financing Margin %28.82%9.14%18.06%17.26%19.90%7.96%10.68%15.52%13.52%14.18%9.12%10.82%4.57%
Other Income +0.000.900.000.000.003.012.050.73-0.550.180.000.000.00
Depreciation0.100.100.140.150.180.190.170.180.190.280.220.410.42
Profit before tax2.771.862.082.213.074.123.903.952.513.831.772.310.76
Tax %29.60%-40.86%25.00%6.33%17.92%33.50%22.56%22.28%18.73%22.19%21.47%22.51%36.84%
Net Profit +1.942.621.552.072.522.743.023.062.042.981.381.790.49
EPS in Rs0.140.190.110.150.180.200.220.220.150.210.100.130.03
Gross NPA %2.15%1.68%1.56%1.46%1.64%1.50%1.57%1.56%1.74%1.84%1.65%1.65%1.84%
Net NPA %1.65%1.25%1.13%1.08%1.24%1.02%1.12%1.09%1.25%1.40%1.13%1.16%1.49%

Financials of Star Housing Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue +1233712161619355993100
Interest00002555611284653
Expenses +011111581217223337
Financing Profit112246621691310
Financing Margin %39%49%63%63%57%51%39%15%5%18%16%14%10%
Other Income +0000000012320
Depreciation0000000000111
Profit before tax112246621811149
Tax %32%32%31%33%28%31%18%28%53%13%23%22%
Net Profit +01113452179117
EPS in Rs0.120.080.140.170.340.480.450.140.050.510.630.790.47
Dividend Payout %0%0%0%0%0%0%3%15%53%6%0%7%

Financials of Star Housing Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital26612121216161739393939
Reserves8911611183738486894104107
Borrowing33173042386478162320404392
Other Liabilities +00002017111737717
Total Liabilities13181825547391125153286490555555
Fixed Assets +0000011223334
CWIP0000000001200
Investments11111444978810
Other Assets +12171724536886120143274477544542
Total Assets13181825547391125153286490555555

Financials of Star Housing Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +-5-1-2-3-22-14-11-9-6-111-129-65
Cash from Investing Activity +00-000-0-0-4-7-10-144
Cash from Financing Activity +65-1521169322212017685
Net Cash Flow13-42-12-2199-13323
Free Cash Flow-5-1-3-3-22-14-11-10-7-114-131-65
CFO/OP-577%-79%-81%-83%-371%-118%-83%-113%-82%-614%-345%-109%

Financials of Star Housing Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE %5%5%7%8%14%15%12%3%1%8%7%8%

Guidance history

How Star Housing Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY26 call →10–20%FlatNone plannedPlanned—
Q2 FY25 call →20–40%FlatPlannedPlanned—
Q1 FY25 call →20–40%FlatPlannedPlannedRising

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

Continue your research

What Star Housing Finance Ltd's management said in earlier quarters

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