SRG Housing Finance Ltd
Incorporated in 1999, SRG Housing Ltd provides loans to Retail customers for construction, repair, renovation or purchase of residential property, and loans against property[1]
- Market Cap ₹ 352 Cr.
- Current Price ₹ 271
- High / Low ₹ 338 / 174
- Stock P/E 18.4
- Book Value ₹ 110
- Dividend Yield 0.00 %
- ROCE 13.1 %
- ROE 14.0 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company's median sales growth is 42.0% of last 10 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance - Housing
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 1 | 2 | 5 | 7 | 10 | 15 | 34 | 58 | 73 | 77 | 80 | 94 | 115 |
Interest | 0 | 1 | 1 | 2 | 4 | 6 | 11 | 23 | 30 | 31 | 31 | 37 | 47 |
0 | 1 | 2 | 2 | 3 | 4 | 11 | 15 | 18 | 20 | 22 | 32 | 41 | |
Financing Profit | 0 | 1 | 2 | 2 | 3 | 4 | 11 | 20 | 25 | 26 | 28 | 24 | 27 |
Financing Margin % | 38% | 38% | 37% | 34% | 28% | 30% | 34% | 34% | 34% | 34% | 34% | 26% | 24% |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 5 |
Profit before tax | 0 | 1 | 2 | 2 | 3 | 4 | 11 | 19 | 22 | 24 | 26 | 21 | 24 |
Tax % | 27% | 25% | 29% | 32% | 32% | 33% | 27% | 25% | 20% | 21% | 20% | 19% | |
0 | 1 | 1 | 2 | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 | 19 | |
EPS in Rs | 0.57 | 1.05 | 1.36 | 1.65 | 2.08 | 6.22 | 11.26 | 13.82 | 14.48 | 15.63 | 13.12 | 14.74 | |
Dividend Payout % | 0% | 0% | 0% | 18% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 45% |
5 Years: | 22% |
3 Years: | 9% |
TTM: | 31% |
Compounded Profit Growth | |
---|---|
10 Years: | 39% |
5 Years: | 16% |
3 Years: | -2% |
TTM: | 3% |
Stock Price CAGR | |
---|---|
10 Years: | 23% |
5 Years: | 2% |
3 Years: | 13% |
1 Year: | 42% |
Return on Equity | |
---|---|
10 Years: | 20% |
5 Years: | 21% |
3 Years: | 18% |
Last Year: | 14% |
Balance Sheet
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3 | 8 | 8 | 11 | 11 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
Reserves | 2 | 4 | 6 | 3 | 5 | 21 | 29 | 44 | 62 | 81 | 101 | 118 | 130 |
3 | 7 | 16 | 25 | 41 | 75 | 167 | 255 | 246 | 286 | 287 | 357 | 445 | |
0 | 0 | 1 | 1 | 2 | 3 | 9 | 10 | 10 | 14 | 18 | 25 | 19 | |
Total Liabilities | 9 | 20 | 30 | 41 | 59 | 112 | 218 | 322 | 331 | 393 | 418 | 513 | 607 |
0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 4 | 3 | 7 | 24 | 25 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 1 | 0 |
Investments | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 9 | 26 | 27 | 12 | 21 |
9 | 20 | 30 | 41 | 58 | 111 | 216 | 319 | 317 | 363 | 378 | 476 | 560 | |
Total Assets | 9 | 20 | 30 | 41 | 59 | 112 | 218 | 322 | 331 | 393 | 418 | 513 | 607 |
Cash Flows
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-2 | -11 | -8 | -10 | -13 | -24 | -90 | -66 | 23 | -27 | 3 | -83 | |
-0 | -0 | 0 | -0 | -2 | 0 | -1 | -1 | -9 | -19 | -6 | 9 | |
2 | 11 | 8 | 9 | 16 | 44 | 74 | 89 | -9 | 40 | 1 | 73 | |
Net Cash Flow | 0 | -0 | 1 | -1 | 2 | 20 | -16 | 21 | 5 | -6 | -2 | -1 |
Ratios
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 8% | 7% | 9% | 11% | 12% | 11% | 21% | 30% | 27% | 22% | 20% | 14% |
Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
8 Apr - Certificate under Regulation 74(5) for quarter ended March 31. 2024
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Compliance Certificate 31-03-2024
8 Apr - Compliance certificate for the period ended March 31, 2024
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Announcement under Regulation 30 (LODR)-Credit Rating
27 Mar - Of withdrawal of credit rating by brickworks on full redemption of NCDs
- Closure of Trading Window 26 Mar
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 21 Mar
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Concalls
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Jan 2024TranscriptNotesPPT
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Nov 2023Transcript PPT
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Aug 2023TranscriptNotesPPT
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May 2023Transcript PPT
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Feb 2023TranscriptNotesPPT
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Nov 2022TranscriptNotesPPT
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Nov 2021TranscriptNotesPPT
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Dec 2019TranscriptNotesPPT
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Nov 2018TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
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Jun 2017TranscriptNotesPPT
Business Overview:[1][2]
SRGL was the first company in Rajasthan to be registered with the National Housing Bank (NHB) and to be listed on the BSE SME platform. It is an ISO 9001:2008 certified company for the Quality Management system of loan process. SRGL is a retail and affordable housing finance company which helps in providing housing
to the rural and semi-urban population of India.