SRG HOUSING FINANCE ORD (BSE) (SRGHFL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of SRG HOUSING FINANCE ORD (BSE) ₹133, price ₹136, upside -1.8%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
37‑month range ₹126.40 – ₹404.90 · fair‑value band ₹124.90 – ₹151.14 · the ₹135.77 price screens above the ₹133.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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SRG Housing Finance Limited operates as a housing finance company in India. The company offers home loans, including construction, repair renovation and extension, new purchase, resale home purchase, plot and construction, and builder/project loans; loans against residential and commercial properties; balance transfer loan; and top-up loans.
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SRG Housing Finance Limited operates as a housing finance company in India. The company offers home loans, including construction, repair renovation and extension, new purchase, resale home purchase, plot and construction, and builder/project loans; loans against residential and commercial properties; balance transfer loan; and top-up loans. It offers its services to low- and middle-income individuals, including self-employed individuals and small to medium-sized business owners. The company was incorporated in 1999 and is headquartered in Udaipur, India.
Stock analysis
SRG HOUSING FINANCE ORD (BSE) (SRGHFL) currently trades at ₹135.77, while our model-based Fair Value estimate is ₹133.38, so the stock looks roughly fairly valued today (gap 1.8%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹716.37 per share, and 5 of the 6 models we run sit above the ₹135.77 price.
Bear case: the Asset-Based group reads lowest at ₹126.66, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹124.90 (bear) to ₹151.14 (bull), the price of ₹135.77 sits inside 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 41/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
SRG HOUSING FINANCE ORD (BSE) reported revenue of ₹2.0B in FY2026 versus ₹732M in FY2022, a compound +28.5%/yr. Reported net income was ₹325M in FY2026, compounding +12.4%/yr from FY2022.
Key figures
Market cap ₹4.8B (≈ $50.1M) · P/E ratio 14.8 · P/S ratio 2.42 · EPS (TTM) ₹20.69 · Net margin 16.3% · Return on equity 11.6% · Return on assets (EBIT) 4.7% · Operating margin 34.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 58% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at −2%, SRGHFL screens richer than that median.
Fair Value models
Bear ₹124.90Fair Value ₹133.38Bull ₹151.14
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹10.49 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.Evidence ⓘEvidence = 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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+40.9%
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.
+33.7%
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.
+24.3%
Start year 2021 (pandemic)
Revenue growth 6 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.
+20.6%
’20
’21
’22
’23
’24
’25
’26
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%
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.33% → 20%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+29.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +24.5% a year for the price.
Compare SRG HOUSING FINANCE ORD (BSE) 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.Mortgage Finance · 90 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score43 · Bottom 25%
Fair Value upside−1.8% · Above median
Profitability
Return on equity (TTM)11.6% · Above median
Return on assets3.2% · Top 25%
Net margin (TTM)27.3% · Below median
Operating margin (TTM)34.6% · Below median
Growth and dividend
Revenue growth23.8% · Above median
Balance sheet
Debt / equity2.89× · Above median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
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Cite: Fair Value Calculator (2026). "SRG HOUSING FINANCE ORD (BSE) Fair Value". https://www.fairvalue-calculator.com/stock/SRGHFL
Frequently asked questions
Is SRG HOUSING FINANCE ORD (BSE) (SRGHFL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹133.38 versus a price of ₹135.77, about −2% upside (fairly valued).
What is the fair value of SRGHFL?
Our model-based fair value for SRG HOUSING FINANCE ORD (BSE) is ₹133.38 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹135.77.
What is the quality score of SRGHFL?
SRG HOUSING FINANCE ORD (BSE) has a Quality Score of 41/100. 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 ORD (BSE) (SRGHFL)?
Our model-based price target is the fair value of ₹133.38 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario ₹124.90, optimistic scenario ₹151.14. It is a calculation from audited fundamentals, not an analyst target.
What is the SRG HOUSING FINANCE ORD (BSE) stock forecast for 2026?
Our models put fair value at ₹133.38, about −2% upside versus a price of ₹135.77 (fairly valued). Cautious scenario ₹124.90, optimistic scenario ₹151.14. The calculation is refreshed regularly with new filings.
What is the revenue of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
SRG HOUSING FINANCE ORD (BSE) reported trailing-twelve-month revenue of about ₹1.2B (latest available figure, as of Sep 27, 2026).
What growth is priced into SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
For today's price to be fair in a discounted-cash-flow model, SRG HOUSING FINANCE ORD (BSE) would have to grow free cash flow by +29.6 % per year for five years (discount rate 13.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +24.3 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of SRGHFL use?
Our models discount SRG HOUSING FINANCE ORD (BSE) at 13.9 %: a base by market capitalisation (micro), damped by beta 0.11, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For SRG HOUSING FINANCE ORD (BSE) that is +29.6 % per year a year over ten years, using the same discount rate (13.9 %) and the same formula as our fair value.
How much growth has SRG HOUSING FINANCE ORD (BSE) (SRGHFL) delivered so far?
Over the past 5 years revenue at SRG HOUSING FINANCE ORD (BSE) grew +24.3 % a year. The price currently implies +29.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of SRG HOUSING FINANCE ORD (BSE) (SRGHFL) growing?
The median revenue growth in the sector is +6.9 % a year. That is the yardstick for the growth priced into SRG HOUSING FINANCE ORD (BSE) (+29.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
The free-cash-flow yield on the price is 16.63 %: that much free cash flow SRG HOUSING FINANCE ORD (BSE) produces per unit of market value. When it exceeds the discount rate of our models (13.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
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 ORD (BSE) it is ₹133.38 per share (as of Sep 27, 2026), against a price of ₹135.77. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is SRG HOUSING FINANCE ORD (BSE) stock overvalued or undervalued in 2026?
As of Sep 27, 2026, SRGHFL trades above its calculated fair value: price ₹135.77, fair value ₹133.38, a gap of about −2% (fairly valued). 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 SRGHFL?
No. The price is what the market pays today (₹135.77); the fair value is what the company's own numbers justify (₹133.38). For SRG HOUSING FINANCE ORD (BSE) the two are ₹2.39 per share apart. That gap is exactly why we show both numbers side by side.
How much is SRG HOUSING FINANCE ORD (BSE) worth?
The market values SRG HOUSING FINANCE ORD (BSE) at about ₹4.8B (market capitalisation, as of Sep 27, 2026). Per share that is ₹135.77; our models calculate a fair value of ₹133.38 per share.
What do the bullish and bearish scenarios say about SRGHFL?
Our models span a range for SRG HOUSING FINANCE ORD (BSE): cautious scenario ₹124.90, base ₹133.38, optimistic ₹151.14 per share (as of Sep 27, 2026, price ₹135.77). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SRGHFL?
SRG HOUSING FINANCE ORD (BSE) trades at a price-to-earnings ratio of 14.8 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹133.38 is built from several models across several years. Other multiples: P/B 1.6, P/S 4.1, EV/EBITDA 28.7.
How solid is the balance sheet of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
Balance-sheet figures for SRG HOUSING FINANCE ORD (BSE) (as of Sep 27, 2026): return on equity 11.6%, debt of 2.89 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is SRGHFL from its 52-week high?
SRG HOUSING FINANCE ORD (BSE) trades at ₹135.77, about 58% below its 52-week high of ₹320.00 and 7% above the low of ₹126.40 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹133.38 is for.
Which stocks are comparable to SRG HOUSING FINANCE ORD (BSE)?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance 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 ORD (BSE) stock attractive at the current price?
The data as of Sep 27, 2026: price ₹135.77, calculated fair value ₹133.38 (−2%), Quality Score 41/100, from 11 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 SRGHFL calculated?
We run SRG HOUSING FINANCE ORD (BSE) through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹133.38, 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 14.5 % above its aggregate fair value. SRG HOUSING FINANCE ORD (BSE) itself currently trades above fair value. 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 ORD (BSE) (SRGHFL)?
The closing price on Oct 1, 2026 was ₹135.77. Our model-based fair value is ₹133.38, about −2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SRG HOUSING FINANCE ORD (BSE) right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of SRG HOUSING FINANCE ORD (BSE)
How large is the market capitalisation of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
The market capitalisation of SRG HOUSING FINANCE ORD (BSE) is ₹4.8B (≈ $50.1M). 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 ORD (BSE) (SRGHFL)?
The price-to-sales ratio of SRG HOUSING FINANCE ORD (BSE) is 2.42 (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 ORD (BSE) (SRGHFL)?
Earnings per share at SRG HOUSING FINANCE ORD (BSE) are ₹20.69 (price ÷ EPS = P/E 14.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
The net margin of SRG HOUSING FINANCE ORD (BSE) is 16.3% (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 return on equity of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
The return on equity (ROE) of SRG HOUSING FINANCE ORD (BSE) is 11.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
On an EBIT basis the return on assets of SRG HOUSING FINANCE ORD (BSE) is 4.7% (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.
What is the operating margin of SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
The operating margin of SRG HOUSING FINANCE ORD (BSE) is 34.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
Revenue at SRG HOUSING FINANCE ORD (BSE) is growing +23.8% versus a year earlier (3y avg +33.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SRG HOUSING FINANCE ORD (BSE) (SRGHFL)?
Earnings per share at SRG HOUSING FINANCE ORD (BSE) are growing +33.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SRG HOUSING FINANCE ORD (BSE) (SRGHFL) carry?
The net debt of SRG HOUSING FINANCE ORD (BSE) is ₹8.4B (fiscal year 2026, ≈ 23.7 yrs of FCF). 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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