Star Housing Finance Ltd

Star Housing Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Star Housing Finance Ltd

₹ 17.4 -0.69%
24 Oct - close price
akmestarhfc.in BSE: 539017
About

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]

Key Points

Business Overview:[1][2]
Star HFL is registered as a Non-Deposit Taking Non- Banking finance Company - Housing Finance Company (HFC). It is a rural-focused housing finance company operational in affordable housing finance. Company offers retail home loans up to Rs. 25 lakhs. These loans qualify under Priority Sector Lending Norms and the units financed qualify under PMAY guidelines

Website BSE
  • Market Cap ₹ 244 Cr.
  • Current Price ₹ 17.4
  • High / Low ₹ 43.1 / 16.5
  • Stock P/E 25.8
  • Book Value ₹ 10.2
  • Dividend Yield 0.58 %
  • ROCE 12.1 %
  • ROE 7.95 %
  • Face Value ₹ 5.00
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Pros

  • Company is expected to give good quarter

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 18.4%
  • Company has a low return on equity of 7.82% over last 3 years.
  • Promoter holding has decreased over last 3 years: -17.5%
  • Working capital days have increased from -70.6 days to 78.0 days

* 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

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Quarterly Results

Figures in Rs. Crores

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
5.15 8.63 9.96 11.60 12.29 13.67 16.33 16.33 18.91 21.91 24.03 27.71 21.81
Interest 2.01 2.06 2.84 4.38 5.45 6.53 7.67 8.18 10.20 11.12 12.14 13.03 12.88
3.14 4.04 4.25 6.16 4.62 4.78 5.41 6.85 6.69 7.39 8.64 10.75 6.94
Financing Profit 0.00 2.53 2.87 1.06 2.22 2.36 3.25 1.30 2.02 3.40 3.25 3.93 1.99
Financing Margin % 0.00% 29.32% 28.82% 9.14% 18.06% 17.26% 19.90% 7.96% 10.68% 15.52% 13.52% 14.18% 9.12%
1.01 0.00 0.00 0.90 0.00 0.00 0.00 3.01 2.05 0.73 -0.55 0.18 0.00
Depreciation 0.07 0.08 0.10 0.10 0.14 0.15 0.18 0.19 0.17 0.18 0.19 0.28 0.22
Profit before tax 0.94 2.45 2.77 1.86 2.08 2.21 3.07 4.12 3.90 3.95 2.51 3.83 1.77
Tax % 25.53% 29.80% 29.60% -40.86% 25.00% 6.33% 17.92% 33.50% 22.56% 22.28% 18.73% 22.19% 21.47%
0.70 1.72 1.94 2.62 1.55 2.07 2.52 2.74 3.02 3.06 2.04 2.98 1.38
EPS in Rs 0.06 0.13 0.14 0.19 0.11 0.15 0.18 0.20 0.22 0.22 0.15 0.21 0.10
Gross NPA % 2.54% 2.15% 1.68% 1.56% 1.46% 1.64% 1.50% 1.57% 1.56% 1.74% 1.84% 1.65%
Net NPA % 1.97% 1.65% 1.25% 1.13% 1.08% 1.24% 1.02% 1.12% 1.09% 1.25% 1.40% 1.13%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
1.37 2.01 2.71 3.36 6.97 11.73 15.90 15.69 18.72 35.33 58.62 92.55 95.46
Interest 0.38 0.37 0.30 0.47 1.71 4.51 4.92 5.01 6.17 11.40 27.83 46.50 49.17
0.46 0.65 0.69 0.78 1.31 1.23 4.81 8.35 11.60 17.47 21.66 33.46 33.72
Financing Profit 0.53 0.99 1.72 2.11 3.95 5.99 6.17 2.33 0.95 6.46 9.13 12.59 12.57
Financing Margin % 38.69% 49.25% 63.47% 62.80% 56.67% 51.07% 38.81% 14.85% 5.07% 18.28% 15.57% 13.60% 13.17%
0.01 0.01 0.02 0.04 0.09 0.00 0.00 0.00 0.64 1.91 3.01 2.41 0.36
Depreciation 0.01 0.02 0.05 0.05 0.04 0.03 0.04 0.15 0.27 0.36 0.67 0.82 0.87
Profit before tax 0.53 0.98 1.69 2.10 4.00 5.96 6.13 2.18 1.32 8.01 11.47 14.18 12.06
Tax % 32.08% 31.63% 31.36% 32.86% 27.75% 31.21% 17.78% 28.44% 53.03% 12.98% 22.58% 21.79%
0.37 0.67 1.16 1.41 2.90 4.10 5.04 1.56 0.62 6.98 8.88 11.10 9.46
EPS in Rs 0.12 0.08 0.14 0.17 0.34 0.48 0.45 0.14 0.05 0.51 0.63 0.79 0.68
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.11% 15.07% 53.48% 5.53% 0.00% 0.00%
Compounded Sales Growth
10 Years: 47%
5 Years: 42%
3 Years: 70%
TTM: 46%
Compounded Profit Growth
10 Years: 32%
5 Years: 17%
3 Years: 161%
TTM: -9%
Stock Price CAGR
10 Years: 16%
5 Years: -2%
3 Years: -28%
1 Year: -49%
Return on Equity
10 Years: 8%
5 Years: 6%
3 Years: 8%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 2.17 5.93 5.93 11.87 12.08 12.08 15.67 15.67 16.58 38.58 39.36 39.48
Reserves 7.96 9.45 10.60 6.08 11.00 18.44 36.80 37.97 47.52 67.84 93.66 104.39
Borrowing 2.80 2.73 1.27 6.68 29.56 41.75 37.70 64.28 78.48 162.50 320.30 403.81
0.15 0.28 0.34 0.35 1.63 0.37 0.77 6.84 10.68 16.59 36.98 7.32
Total Liabilities 13.08 18.39 18.14 24.98 54.27 72.64 90.94 124.76 153.26 285.51 490.30 555.00
0.02 0.04 0.46 0.47 0.46 1.00 1.21 1.57 1.65 2.57 3.09 2.96
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.19 1.86 0.00
Investments 0.88 0.88 0.88 0.88 0.88 3.56 3.56 3.56 8.58 7.38 8.01 8.49
12.18 17.47 16.80 23.63 52.93 68.08 86.17 119.63 143.03 274.37 477.34 543.55
Total Assets 13.08 18.39 18.14 24.98 54.27 72.64 90.94 124.76 153.26 285.51 490.30 555.00

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-5.41 -1.38 -2.16 -2.81 -22.09 -13.90 -10.67 -9.01 -6.29 -111.03 -129.00 -65.25
0.16 0.07 -0.32 0.17 0.20 -0.01 -0.25 -4.01 -7.05 -10.14 -14.37 3.96
6.05 4.51 -1.46 4.61 20.94 15.86 8.95 32.02 22.41 120.09 176.20 84.52
Net Cash Flow 0.80 3.20 -3.95 1.97 -0.95 1.94 -1.96 19.00 9.08 -1.08 32.83 23.23

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 5.07% 5.25% 7.27% 8.18% 14.14% 15.30% 12.15% 2.94% 1.05% 8.19% 7.42% 7.95%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
24.02% 22.90% 22.22% 20.62% 19.79% 19.62% 19.60% 18.85% 18.78% 18.78% 18.44% 18.36%
1.06% 1.04% 1.04% 1.04% 0.51% 1.15% 1.16% 0.86% 0.55% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.22% 0.00% 0.00% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%
74.93% 76.06% 76.74% 78.13% 79.70% 79.24% 79.16% 80.23% 80.60% 81.14% 81.48% 81.55%
No. of Shareholders 7,3836,5896,4045,4946,0938,5148,0039,2129,6219,4359,19310,157

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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