Star Housing Finance
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Star Housing Finance share price

Star Housing Finance Ltd.

  23.53 K   32   4 BSE: 539017 SECTOR: Finance - Housing

4.39
+0.14 (3.29%)
BSE: 21 Oct 04:01 PM

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Price Summary

Today's High

₹ 4.42

Today's Low

₹ 4.13

52 Week High

₹ 17.85

52 Week Low

₹ 3.67

FinStar is Suspended!

The FinStar rating for this company is currently unavailable due to limited data disclosure. As a micro-cap company, it may carry higher risk and limited transparency. We will update the FinStar rating once more reliable data becomes available.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 34.67 Cr.

Advances

₹ 415.22 Cr.

No. of Shares

7.9 Cr.

P/E

5.22

P/B

0.24

Face Value

₹ 5

Div. Yield

0 %

Book Value (TTM)

₹  18.62

Operating Revenue

₹ 92.55 Cr.

Net Profit

₹ 11.1 Cr.

Promoter Holding

17.5 %

EPS (TTM)

₹  0.84

Sales Growth

57.88

ROE

9.09 %

ROCE

12.13%

Profit Growth

24.94 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year57.88%
3 Year70.34%
5 Year42.44%

Profit Growth

1 Year24.94%
3 Year161.29%
5 Year17.1%

ROE%

1 Year9.09%
3 Year8.55%
5 Year5.94%

ROCE %

1 Year12.13%
3 Year10.83%
5 Year9.04%

ROA%

2.1236

PEG Ratio

0.21

PAT Margin (%)

11.9926

EPS Growth(%)

24.5547

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2026 17.50 0.00
Mar 2026 17.59 0.00
Dec 2025 17.65 0.00
Sep 2025 18.36 0.00
Jun 2025 18.44 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.7522 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 70.3411543143303%.
  • The company has delivered substantial profit growth of 161.287872377554% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 59.507224163709%.

 Limitations

  • Promoters shareholding is low at 17.5%.
  • Provision and contingencies have increased by 192.641980555703%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
Operating Revenue 24.03 27.71 21.81 25.15 25.82
Other Income -0.55 0.18 0 0 0
Interest Expended 12.14 13.04 12.88 13.84 13.62
Operating Expenses 8.65 10.75 6.94 8.6 11.02
Total Provisions 0 0 0 0 0
Depreciation 0.19 0.28 0.22 0.41 0.42
Profit Before Tax 2.51 3.83 1.77 2.31 0.77
Tax 0.47 0.85 0.39 0.52 0.27
Net Profit 2.04 2.98 1.38 1.79 0.49
Adjusted EPS (RS) 0.26 0.38 0.18 0.23 0.06

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 15.6 18.72 35.33 58.62 92.55
Other Income 0 0.64 1.91 3.01 2.41
Interest 5.01 6.17 11.4 27.83 46.5
Operating Expenses 6.34 11.26 17.2 20.45 28.77
Total Provisions 2.06 0.61 0.63 1.88 5.51
Exceptional Items 0 0 0 0 0
Profit Before Tax 2.18 1.32 8.02 11.47 14.19
Tax 0.63 0.7 1.04 2.59 3.09
Profit After Tax 1.56 0.62 6.98 8.88 11.1
Adjusted EPS (Rs.) 0.25 0.09 0.9 1.13 1.41

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 15.67 16.58 38.58 39.36 39.48
Total Reserves 37.97 47.52 67.84 93.65 104.39
Borrowings 64.28 78.48 162.5 245.34 303.68
Other N/C liabilities -0.37 -0.15 1.21 0.43 2.84
Current liabilities 6.74 10.62 14.62 111.52 104.61
Total Liabilities 124.29 153.05 284.75 490.31 555
Assets
Loans 92.83 102.31 228.08 382.03 415.22
Net Block 1.57 1.65 2.57 3.09 2.96
Capital WIP 0 0 1.19 1.86 0
Intangible WIP 0 0 0 0 0
Investments 3.56 8.58 7.38 8.01 8.49
Other Loans 1.32 3.84 0.65 0 0
Other N/C Assets 0 0 0 1.94 9.84
Current Assets 25 36.67 44.88 93.37 118.49
Total Assets 124.29 153.05 284.75 490.31 555
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

Annual Reports

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Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Concall Q2FY22
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Company News

Star Housing Finance Stock Price Analysis and Quick Research Report. Is Star Housing Finance an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Star Housing Finance. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Star Housing Finance is Rs 11.0991 Cr. and the compounded growth of profit in the past 3 years is 161.285362843513%. The PAT margin of Star Housing Finance is 11.9926%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Star Housing Finance , the EPS grew by 24.5596% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Star Housing Finance has a poor ROE track record. The ROE of Star Housing Finance is at 9.0851% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Star Housing Finance is worth at the current levels at Rs 4.39. Star Housing Finance is trading at a current P/E ratio of 17.4241 and the average historical P/E for the last 5 years was 90.18116.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Star Housing Finance is trading at a P/B of 0.235764192843295. The average historical P/B for the last 5 years was 2.6736. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Star Housing Finance in Ticker for free. Also, one can get the intrinsic value of Star Housing Finance by using Valuation Calculators, which are available with a Finology ONE subscription. 

Star Housing Finance FAQs

Q1. What is Star Housing Finance share price today?
Ans: The current share price of Star Housing Finance is Rs 4.39.

Q2. What is the market capitalisation of Star Housing Finance?
Ans: Star Housing Finance has a market capitalisation of Rs 34.665173172 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Star Housing Finance?
Ans: The PE ratio of Star Housing Finance is 5.21625475285171 and the P/B ratio of Star Housing Finance is 0.235764192843295, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Star Housing Finance share?
Ans: The 52-week high share price of Star Housing Finance is Rs 17.85, and the 52-week low share price of Star Housing Finance is Rs 3.67.

Q5. Does Star Housing Finance pay dividends?
Ans: Currently, Star Housing Finance does not pay dividends. Dividend yield of Star Housing Finance is around 0%.

Q6. What are the face value and book value of Star Housing Finance shares?
Ans: The face value of Star Housing Finance shares is Rs 5, while the book value per share of Star Housing Finance is around Rs 18.6203. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Star Housing Finance?
Ans: The ROE of Star Housing Finance is 9.0851% and ROCE of Star Housing Finance is 12.1318%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Star Housing Finance a good buy for the long term?
Ans: The Star Housing Finance long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Star Housing Finance undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Star Housing Finance appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Star Housing Finance’s financials?
Ans: You can review Star Housing Finance’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Star Housing Finance
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