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

₹ 39.8 -0.15%
21 May 12:41 p.m.
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 ₹ 315 Cr.
  • Current Price ₹ 39.8
  • High / Low ₹ 60.0 / 27.0
  • Stock P/E 28.4
  • Book Value ₹ 18.2
  • Dividend Yield 0.19 %
  • ROCE 12.1 %
  • ROE 8.02 %
  • 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: 18.8%
  • Company has a low return on equity of 7.85% over last 3 years.
  • Promoter holding has decreased over last 3 years: -18.6%
  • 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

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
5.11 5.15 8.63 9.96 11.60 12.29 13.67 16.33 16.33 18.91 21.91 24.03 27.71
Interest 1.49 2.01 2.06 2.84 4.38 5.45 6.53 7.67 8.18 10.20 11.12 12.14 13.03
2.78 3.14 4.04 4.25 6.16 4.62 4.78 5.41 6.85 6.69 7.39 8.64 10.75
Financing Profit 0.84 0.00 2.53 2.87 1.06 2.22 2.36 3.25 1.30 2.02 3.40 3.25 3.93
Financing Margin % 16.44% 0.00% 29.32% 28.82% 9.14% 18.06% 17.26% 19.90% 7.96% 10.68% 15.52% 13.52% 14.18%
0.50 1.01 0.00 0.00 0.90 0.00 0.00 0.00 3.01 2.05 0.73 -0.55 0.18
Depreciation 0.10 0.07 0.08 0.10 0.10 0.14 0.15 0.18 0.19 0.17 0.18 0.19 0.28
Profit before tax 1.24 0.94 2.45 2.77 1.86 2.08 2.21 3.07 4.12 3.90 3.95 2.51 3.83
Tax % 34.68% 25.53% 29.80% 29.60% -40.86% 25.00% 6.33% 17.92% 33.50% 22.56% 22.28% 18.73% 22.19%
0.82 0.70 1.72 1.94 2.62 1.55 2.07 2.52 2.74 3.02 3.06 2.04 2.98
EPS in Rs 0.12 0.11 0.24 0.26 0.34 0.20 0.27 0.32 0.35 0.38 0.39 0.26 0.38
Gross NPA % 2.54% 2.15% 1.68% 1.56% 1.46% 1.64% 1.50% 1.57% 1.56% 1.74%
Net NPA % 1.97% 1.65% 1.25% 1.13% 1.08% 1.24% 1.02% 1.12% 1.09% 1.25%
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
1 2 3 3 7 12 16 16 19 35 59 93
Interest 0 0 0 0 2 5 5 5 6 11 28 46
0 1 1 1 1 1 5 8 12 17 22 33
Financing Profit 1 1 2 2 4 6 6 2 1 6 9 13
Financing Margin % 39% 49% 63% 63% 57% 51% 39% 15% 5% 18% 16% 14%
0 0 0 0 0 0 0 0 1 2 3 2
Depreciation 0 0 0 0 0 0 0 0 0 0 1 1
Profit before tax 1 1 2 2 4 6 6 2 1 8 11 14
Tax % 32% 32% 31% 33% 28% 31% 18% 28% 53% 13% 23% 22%
0 1 1 1 3 4 5 2 1 7 9 11
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
Dividend Payout % 0% 0% 0% 0% 0% 0% 3% 15% 53% 6% 0% 5%
Compounded Sales Growth
10 Years: 47%
5 Years: 42%
3 Years: 70%
TTM: 58%
Compounded Profit Growth
10 Years: 32%
5 Years: 17%
3 Years: 162%
TTM: 25%
Stock Price CAGR
10 Years: 25%
5 Years: 26%
3 Years: 11%
1 Year: -31%
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 6 6 12 12 12 16 16 17 39 39 39
Reserves 8 9 11 6 11 18 37 38 48 68 94 104
Borrowing 3 3 1 7 30 42 38 64 78 162 320 404
0 0 0 0 2 0 1 7 11 17 37 7
Total Liabilities 13 18 18 25 54 73 91 125 153 286 490 555
0 0 0 0 0 1 1 2 2 3 3 3
CWIP 0 0 0 0 0 0 0 0 0 1 2 0
Investments 1 1 1 1 1 4 4 4 9 7 8 8
12 17 17 24 53 68 86 120 143 274 477 544
Total Assets 13 18 18 25 54 73 91 125 153 286 490 555

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 -1 -2 -3 -22 -14 -11 -9 -6 -111 -129 -65
0 0 -0 0 0 -0 -0 -4 -7 -10 -14 4
6 5 -1 5 21 16 9 32 22 120 176 85
Net Cash Flow 1 3 -4 2 -1 2 -2 19 9 -1 33 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% 5% 7% 8% 14% 15% 12% 3% 1% 8% 7% 8%

Shareholding Pattern

Numbers in percentages

Jun 2022Jul 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
35.93% 31.23% 24.02% 22.90% 22.22% 20.62% 19.79% 19.62% 19.60% 18.85% 18.78% 18.78%
0.00% 0.00% 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%
64.07% 68.77% 74.93% 76.06% 76.74% 78.13% 79.70% 79.24% 79.16% 80.23% 80.60% 81.14%
No. of Shareholders 1,9572,2047,3836,5896,4045,4946,0938,5148,0039,2129,6219,435

* 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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Documents

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Credit ratings

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