SRG Housing Finance Limited (534680) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of SRG Housing Finance Limited stock ₹291, price ₹97.02, upside +200.0%, quality 30 out of 100. Rating: strongly undervalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range ₹95.20 – ₹403.95 · fair‑value band ₹218.30 – ₹363.82 · the ₹97.02 price screens below the ₹291.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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SRG Housing Finance Limited engages in housing and mortgage finance business in India. The company offers home loans for construction, additions, alterations, and repair and renovation purposes.
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Its products and services include individual home loans; loans against property; and builder/project loans. The company was incorporated in 1999 and is headquartered in Udaipur, India. SRG Housing Finance Limited is a subsidiary of SRG Group Ltd.
Stock analysis
SRG Housing Finance Limited (534680) currently trades at ₹97.02, while our model-based Fair Value estimate is ₹291.06, implying the stock looks roughly 67% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of ₹741.75 per share, and 9 of the 9 models we run sit above the ₹97.02 price.
Bear case: the Asset-Based group reads lowest at ₹116.01, and 0 of the 9 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹218.30 (bear) to ₹363.82 (bull), the price of ₹97.02 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 30/100 (below-average quality), in the Other sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SRG Housing Finance Limited reported revenue of ₹1.9B in FY2026 versus ₹792M in FY2022, a compound +24.2%/yr. Reported net income was ₹325M in FY2026, compounding +12.4%/yr from FY2022.
Key figures
Market cap ₹1.5B (≈ $16.2M) Micro · P/E ratio 7.8 · P/S ratio 1.34 · EPS (TTM) ₹13.83 · Net margin 17.2% · Return on assets (EBIT) 4.2% (5-year average) · Free cash flow −₹2.5B · Net debt ₹8.5B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 69% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Other peers we cover trades at 10% fair-value upside, at 200%, 534680 screens cheaper than that median.
Fair Value models
Bear₹218.30Fair Value ₹291.06Bull₹363.82
Price ₹97.02 · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹8.45 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+24.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.7%
Start year 2021 (pandemic). Over 10 years: +33.8% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.5%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+7.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7.4% vs 25.1%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.30% → 23%
Compare SRG Housing Finance Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Other · 91 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score30 · Bottom 25%
Fair Value upside+200.0% · Top 25%
Profitability
Return on assets2.8% · Below median
Net margin (12 months)17.2% · Top 25%
Operating margin (12 months)0.0% · Above median
Growth and dividend
Revenue growth (quarter YoY)0.0% · Top 25%
Balance sheet
Debt / equity2.89× · Highest 25%
Valuation Multiplesvs Other median · lower = cheaper
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Is SRG Housing Finance Limited (534680) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of ₹291.06 versus a price of ₹97.02, about +200% upside (undervalued).
What is the fair value of 534680?
Our model-based fair value for SRG Housing Finance Limited is ₹291.06 (as of Nov 3, 2026), built from audited fundamentals. The current price: ₹97.02.
What is the quality score of 534680?
SRG Housing Finance Limited has a Quality Score of 30/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SRG Housing Finance Limited (534680)?
Our model-based price target is the fair value of ₹291.06 (as of Nov 3, 2026) from 9 valuation models. Cautious scenario ₹218.30, optimistic scenario ₹363.82. It is a calculation from audited fundamentals, not an analyst target.
What is the SRG Housing Finance Limited stock forecast for 2026?
Our models put fair value at ₹291.06, about +200% upside versus a price of ₹97.02 (undervalued). Cautious scenario ₹218.30, optimistic scenario ₹363.82. The calculation is refreshed regularly with new filings.
What is the intrinsic value of SRG Housing Finance Limited (534680)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SRG Housing Finance Limited it is ₹291.06 per share (as of Nov 3, 2026), against a price of ₹97.02. It is the blended result of 9 valuation models in 5 families (Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is SRG Housing Finance Limited stock overvalued or undervalued in 2026?
As of Nov 3, 2026, 534680 trades below its calculated fair value: price ₹97.02, fair value ₹291.06, a gap of about +200% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 534680?
No. The price is what the market pays today (₹97.02); the fair value is what the company's own numbers justify (₹291.06). For SRG Housing Finance Limited the two are ₹194.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is SRG Housing Finance Limited worth?
The market values SRG Housing Finance Limited at about ₹1.5B (market capitalisation, as of Nov 3, 2026). Per share that is ₹97.02; our models calculate a fair value of ₹291.06 per share.
What do the bullish and bearish scenarios say about 534680?
Our models span a range for SRG Housing Finance Limited: cautious scenario ₹218.30, base ₹291.06, optimistic ₹363.82 per share (as of Nov 3, 2026, price ₹97.02). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 534680?
SRG Housing Finance Limited trades at a price-to-earnings ratio of 7.8 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹291.06 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 15.9. Other multiples: EV/EBITDA 35.8.
How solid is the balance sheet of SRG Housing Finance Limited (534680)?
Balance-sheet figures for SRG Housing Finance Limited (as of Nov 3, 2026): debt of 2.89 per unit of equity. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
How far is 534680 from its 52-week high?
SRG Housing Finance Limited trades at ₹97.02, about 69% below its 52-week high of ₹316.05 and 2% above the low of ₹95.20 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of ₹291.06 is for.
Which stocks are comparable to SRG Housing Finance Limited?
From the same area (Other) we also value 542772, Chambal Fertilisers and Chemicals Limited, 532468, Indiabulls Real Estate Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SRG Housing Finance Limited stock attractive at the current price?
The data as of Nov 3, 2026: price ₹97.02, calculated fair value ₹291.06 (+200%), Quality Score 30/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 534680 calculated?
We run SRG Housing Finance Limited through 9 models from 5 families: Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of ₹291.06 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. SRG Housing Finance Limited currently trades 67% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SRG Housing Finance Limited (534680)?
The closing price on Nov 6, 2026 was ₹97.02. Our model-based fair value is ₹291.06, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SRG Housing Finance Limited right now?
The large discount to fair value meets weak quality (30/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹218.30). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of SRG Housing Finance Limited
How large is the market capitalisation of SRG Housing Finance Limited (534680)?
The market capitalisation of SRG Housing Finance Limited is ₹1.5B (≈ $16.2M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SRG Housing Finance Limited (534680)?
The price-to-sales ratio of SRG Housing Finance Limited is 1.34 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SRG Housing Finance Limited (534680)?
Earnings per share at SRG Housing Finance Limited are ₹13.83 (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SRG Housing Finance Limited (534680)?
The net margin of SRG Housing Finance Limited is 17.2% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of SRG Housing Finance Limited (534680)?
On an EBIT basis the return on assets of SRG Housing Finance Limited is 4.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does SRG Housing Finance Limited (534680) generate?
The free cash flow of SRG Housing Finance Limited is −₹2.5B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does SRG Housing Finance Limited (534680) carry?
The net debt of SRG Housing Finance Limited is ₹8.5B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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