Star Housing Finance Ltd
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]
- Market Cap ₹ 191 Cr.
- Current Price ₹ 24.2
- High / Low ₹ 50.4 / 22.0
- Stock P/E 20.2
- Book Value ₹ 18.2
- Dividend Yield 0.41 %
- ROCE 12.1 %
- ROE 8.02 %
- Face Value ₹ 5.00
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 7.85% over last 3 years.
- Promoter holding has decreased over last 3 years: -17.5%
- Working capital days have increased from -72.2 days to 73.2 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
Financial Services Financial Services Finance Housing Finance Company
Quarterly Results
Figures in Rs. Crores
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 | 46.49 | 49.17 |
0.46 | 0.65 | 0.69 | 0.78 | 1.31 | 1.23 | 4.81 | 8.35 | 11.60 | 17.47 | 21.66 | 33.47 | 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 | 0.22 | 0.14 | 0.24 | 0.30 | 0.60 | 0.85 | 0.81 | 0.25 | 0.09 | 0.90 | 1.13 | 1.41 | 1.20 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.11% | 15.07% | 53.48% | 5.53% | 0.00% | 5.34% |
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: | 162% |
TTM: | -9% |
Stock Price CAGR | |
---|---|
10 Years: | 19% |
5 Years: | 2% |
3 Years: | -14% |
1 Year: | -50% |
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% | 8.02% |
Documents
Announcements
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Appointment of Company Secretary and Compliance Officer
13 Sep - Star Housing Finance appoints Nachiketa Purohit as Company Secretary & Compliance Officer, effective 16 Sep 2025.
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Board Meeting Outcome for Appointment Of Company Secretary & Compliance Officer (KMP) Of The Company
13 Sep - Mr. Nachiketa Purohit appointed Company Secretary, Compliance Officer and KMP effective 16 September 2025.
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Announcement under Regulation 30 (LODR)-Raising of Funds
12 Sep - Rights issue up to Rs99 crore approved; Draft Letter of Offer approved; Rights Issue Committee constituted.
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Board Meeting Outcome for Board Meeting Held On 12Th September, 2025
12 Sep - Board approved rights issue up to Rs.99.00 crore; draft Letter of Offer approved; Rights Issue Committee constituted.
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Board Meeting Intimation for Raising Of Funds
9 Sep - Board meeting Sep 12, 2025 to consider equity/convertible securities fundraising (preferential, rights, QIP, ADR/GDR, FCCB).
Annual reports
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Financial Year 2025
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Financial Year 2024
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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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Concalls
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Aug 2025Transcript PPT
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May 2025Transcript PPT
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Feb 2025TranscriptNotesPPT
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Nov 2024Transcript PPT
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Jul 2024TranscriptPPT
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May 2024Transcript PPT
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Jan 2024TranscriptPPT
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Oct 2023TranscriptPPT
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Jul 2023TranscriptPPT
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Apr 2023TranscriptPPT
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Jan 2023TranscriptPPT
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Oct 2022TranscriptPPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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May 2021Transcript PPT
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Jan 2021TranscriptNotesPPT
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Aug 2020TranscriptNotesPPT
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Dec 2019TranscriptNotesPPT
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Jan 2018TranscriptNotesPPT
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