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Sahara Housingfina Corporation (511533) Fair Value & Analysis

Financial · IN · Market cap ₹256M

SH Sahara Housingfina Corporation 511533 · BSE
Price₹42.44
Fair Value₹6.39
Upside-84.9%
Quality54/100
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Evidence: High Range ₹4.79 – ₹7.98

Fair value as of: Jul 4, 2026

From 20 valuation models · updated today

Share price +6.1% over the past month.

Price vs Fair Value (12 months)

₹58.98 ₹30.80 Fair Value ₹6.39 Jul 2025 Jul 2026

12‑month range ₹30.80 – ₹58.98 · fair‑value band ₹4.79 – ₹7.98 · the ₹42.44 price screens above the ₹6.39 fair value. As of Jul 4, 2026.

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Analysis

Sahara Housingfina Corporation (511533) currently trades at ₹42.44, while our model-based Fair Value estimate is ₹6.39 — implying the stock looks roughly 84.9% overvalued today. We read business quality at 54/100 (solid quality), in the Financial sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Sahara Housingfina Corporation generated revenue of ₹77.8M at a net margin of 28.4%. Revenue declined 1.1% year over year. It earns a return on equity of 4.9%. Net debt stands at ₹193M. Fundamentals as of Jul 4, 2026

Key figures & financial health

Revenue (TTM) ₹77.8M
Revenue growth (YoY) -1.1%
Net margin 28.4%
Return on equity 4.9%
Free cash flow ₹94.9M FY2026
P/E ratio 11.7
More key figures
Operating margin 41.4%
EPS (TTM) ₹3.16
EPS growth (YoY) +56.2%
Net debt ₹193M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.

About the company

Sahara Housingfina Corporation Limited provides housing finance to individuals and corporates for the purchase, construction, extension, repair, and renovation of houses in India. The company was formerly known as Livewell Home Finance Limited and changed its name to Sahara Housingfina Corporation Limited in January 2005. Sahara Housingfina Corporation Limited was incorporated in 1991 and is based in Kolkata, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Sahara Housingfina Corporation reported revenue of ₹71.2M in FY2026 versus ₹124M in FY2022, a compound −12.9%/yr. Reported net income was ₹3.4M in FY2026, compounding −33.7%/yr from FY2022.

Revenue −12.9%/yr
FY22 ₹124M
FY23 ₹112M
FY24 ₹106M
FY25 ₹86.1M
FY26 ₹71.2M
Net income −33.7%/yr
FY22 ₹17.8M
FY23 ₹14.2M
FY24 ₹14.0M
FY25 ₹6.5M
FY26 ₹3.4M

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Frequently asked questions

Is Sahara Housingfina Corporation (511533) undervalued?
As of Jul 4, 2026, our model estimates a fair value of ₹6.39 versus a price of ₹42.44 — about −85% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 511533?
Our model-based fair value for Sahara Housingfina Corporation is ₹6.39 (as of Jul 4, 2026), built from audited fundamentals. The current price is ₹42.44.
What is the quality score of 511533?
Sahara Housingfina Corporation has a Quality Score of 54/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Sahara Housingfina Corporation (511533)?
Sahara Housingfina Corporation reported trailing-twelve-month revenue of about ₹77.8M (latest available figure, as of Jul 4, 2026).
What is the net profit margin of 511533?
The net profit margin of Sahara Housingfina Corporation is about 28.4%, meaning it keeps roughly 28.4% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.