SRG Housing Finance Intrinsic Value
SRGHFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹218.40 | ₹174.72 - ₹262.08 | -21.4% | EPS: ₹18.20, Sector P/E: 12x |
| Book Value Method | asset | ₹132.00 | ₹118.80 - ₹145.20 | -52.5% | Book Value/Share: ₹165.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹109.38 | ₹98.44 - ₹120.32 | -60.7% | Revenue/Share: ₹109.38, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹285.31 | ₹256.78 - ₹313.84 | +2.6% | EBITDA: ₹107.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹83.40 | ₹75.06 - ₹91.74 | -70.0% | EPS Growth: 3.9%, Fair P/E: 3.1x |
| Growth Adjusted P/E | growth | ₹156.52 | ₹140.87 - ₹172.17 | -43.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹202.50 | ₹182.25 - ₹222.75 | -27.2% | ROE: 10.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹259.94 | ₹233.95 - ₹285.93 | -6.5% | EPS: ₹18.20, BVPS: ₹165.00 |
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Valuation Comparison Chart
SRGHFL Intrinsic Value Analysis
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 ₹202.50 (median value). With the current market price of ₹278.00, this represents a -27.2% variance from our estimated fair value.
The valuation range spans from ₹83.40 to ₹285.31, indicating ₹83.40 - ₹285.31.
Is SRGHFL undervalued or overvalued?
Based on our multi-method analysis, SRG Housing Finance (SRGHFL) appears to be trading above calculated value by approximately 27.2%.
Financial Health Analysis
| 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 |
| Debt to Equity Ratio | 3.29 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 10.2% | 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 | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for SRG Housing Finance
Additional stock information and data for SRGHFL
Cash Flow Quality Analysis
| 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 |