SRG Housing Finance Limited (SRGHFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹4.8B
Fair value as of: Jul 3, 2026
From 24 valuation models · updated today
Analysis
SRG Housing Finance Limited (SRGHFL) currently trades at ₹303.30, while our model-based Fair Value estimate is ₹293.73 — implying the stock looks roughly 3.2% overvalued today. We read business quality at 50/100 (solid quality), in the Financial Services 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, SRG Housing Finance Limited generated revenue of ₹1.2B at a net margin of 27.3%. Revenue grew 23.8% year over year. It earns a return on equity of 11.6%. Net debt stands at ₹8.4B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
SRG Housing Finance Limited 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.
Is SRGHFL fairly valued? → Check now
Similar stocks
6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.25 | $32.50 | +100% |
| Rocket Companies, Inc RKT | $13.34 | $3.90 | -71% |
| Federal National Mortgage Association FNMAS | $11.65 | $23.30 | +100% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.14 | ₹52.91 | -37% |
| PennyMac Financial Services, Inc PFSI | $79.81 | $125.45 | +57% |
| LIC Housing Finance Limited LICHSGFIN | ₹553.70 | ₹1,107 | +100% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is SRG Housing Finance Limited (SRGHFL) undervalued?
What is the fair value of SRGHFL?
What is the quality score of SRGHFL?
What is the revenue of SRG Housing Finance Limited (SRGHFL)?
What is the net profit margin of SRGHFL?
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.