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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
SRG Housing Finance Limited is a housing finance company. The Company provides financial assistance to low- and middle-income individuals, including self-employed individuals and small to medium-sized business owners, who have limited access to formal banking channels. Its…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, trading cheap versus its own history — but flagged on governance.
SRG Housing Finance is scored on the nbfc / financials framework. It keeps a healthy 16.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 30%/yr and profit at 24%/yr. Book value itself has compounded 31%/yr — the hallmark of a genuine compounder. Return on equity is a modest 10.9%. In the latest quarter profit fell 8% versus the prior quarter.
At 5× earnings, the stock sits at the 1st percentile of its own 3.2-year range — the cheap end of where it has historically traded. Today's price asks for only ~-13%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 21% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 4.46 | 19.25 | better |
| P/B | 0.51 | 0.09 | worse |
| EV/EBITDA | 7.51 | — | — |
| ROE | 10.94 | 9.23 | better |
| ROCE | 10.2 | 8.69 | better |
| ROA | 2.91 | — | — |
| Quick Ratio | 5.69 | 9.37 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 30% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (30% vs 24%) — costs are rising faster than the top line. The latest year saw a +33% swing — check if it's a one-off or structural.
Operating margin has compressed from 23% to 20% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 11% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (24% vs 16%) — share dilution is eroding per-share value. 16% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue fell 6% QoQ — could be seasonality or a genuine slowdown. Run-rate stepping up — recent quarters average 13% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.2y median.
Promoter holding at 60.0% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.