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 ₹ 252 Cr.
- Current Price ₹ 18.0
- High / Low ₹ 43.1 / 17.4
- Stock P/E 26.7
- Book Value ₹ 10.2
- Dividend Yield 0.56 %
- ROCE 12.1 %
- ROE 7.95 %
- 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 7.82% 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
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 | 46.50 | 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: | 17% |
5 Years: | -2% |
3 Years: | -25% |
1 Year: | -53% |
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% |
Documents
Announcements
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Corrigendum To The Letter Of Offer For Rights Issue
2d - Rights issue Rs98.27 crore (6,14,16,404 shares at Rs16); opening Oct 27, closing Nov 3, 2025.
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Board Meeting Outcome for Outcome Of The Meeting Of The Rights Issue Committee Of Star Housing Finance Limited ('The Company') Held On Thursday, 09Th October, 2025
2d - Star Housing Finance rescheduled rights issue: opening Oct 27, 2025; closing Nov 3, 2025; documents approved.
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
2d - Certificate under Regulation 74(5) from Bigshare for quarter/half-year ended 30 September 2025.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
26 Sep - Rights issue Rs98.27 crore (6,14,16,404 shares at Rs16), opens Oct 10, 2025; SBI term loan Rs50 crore.
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Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of Association
26 Sep - Increase authorised capital from Rs.50 crore to Rs.125 crore by adding 15 crore shares; approved Sep 26, 2025.
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