SRG Housing Finance Intrinsic Value
SRG Housing Finance intrinsic value. SRG Housing Finance (SRGHFL) median intrinsic value is ₹225.00 from 8 valuation models (range ₹81–₹267), vs current price ₹128.99 — +74.4% upside (Trading Below Calculated Value), margin of safety 42.7%. For current market price and key ratios, visit SRG Housing Finance screener.
SRGHFL Valuation Methods Summary — DCF, Graham Number & P/E
SRG Housing Finance intrinsic value across 8 models vs current price ₹128.99 — upside/downside and value range per method. Compare with SRGHFL fair value estimate to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹230.40 | ₹184.32 - ₹276.48 | +78.6% | EPS: ₹19.20, Sector P/E: 12x |
| Book Value Method | asset | ₹132.00 | ₹118.80 - ₹145.20 | +2.3% | Book Value/Share: ₹165.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹116.25 | ₹104.62 - ₹127.88 | -9.9% | Revenue/Share: ₹116.25, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹257.98 | ₹232.18 - ₹283.78 | +100.0% | EBITDA: ₹114.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹81.06 | ₹72.95 - ₹89.17 | -37.2% | EPS Growth: 5.3%, Fair P/E: 4.2x |
| Growth Adjusted P/E | growth | ₹165.12 | ₹148.61 - ₹181.63 | +28.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹225.00 | ₹202.50 - ₹247.50 | +74.4% | ROE: 11.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹266.98 | ₹240.28 - ₹293.68 | +107.0% | EPS: ₹19.20, BVPS: ₹165.00 |
SRGHFL Intrinsic Value vs Market Price — All Valuation Models
SRG Housing Finance fair value range ₹81–₹267 vs current market price ₹128.99 across 8 valuation models. Read SRGHFL dividend payout details for the complete payout history and dividend yield track record.
SRGHFL Intrinsic Value Analysis — Undervalued or Overvalued?
SRG Housing Finance median intrinsic value ₹225.00, current price ₹128.99 — Trading Below Calculated Value by 74.4%, margin of safety 42.7%.
What is the intrinsic value of SRGHFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of SRG Housing Finance (SRGHFL) is ₹225.00 (median value). With the current market price of ₹128.99, this represents a +74.4% variance from our estimated fair value.
The valuation range spans from ₹81.06 to ₹266.98, indicating ₹81.06 - ₹266.98.
Is SRGHFL undervalued or overvalued?
Based on our multi-method analysis, SRG Housing Finance (SRGHFL) appears to be trading below calculated value by approximately 74.4%.
SRGHFL Financial Health — Key Ratios vs Industry Benchmarks
SRG Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 11.4% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 58.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.21x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SRGHFL Cash Flow Quality — Operating & Free Cash Flow
SRG Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-132 Cr | ₹-148 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-140 Cr | ₹-141 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-83 Cr | ₹-83 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹4 Cr | ₹1 Cr | Positive Free Cash Flow | 7/10 |
| March 2021 | ₹-27 Cr | ₹-37 Cr | Negative Cash Flow | 3/10 |