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Star Housing Finance share price

Star Housing Finance Ltd.

BSE: 539017 SECTOR: Finance - Housing  15k   29   3

37.67
+1.60 (4.44%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 40

Today's Low

₹ 37.02

52 Week High

₹ 82.5

52 Week Low

₹ 34.1

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

297.46 Cr.

Advances

382.03 Cr.

No. of Shares

7.9 Cr.

P/E

28.74

P/B

2.49

Face Value

₹ 5

Div. Yield

0 %

Book Value (TTM)

₹  15.13

Operating Revenue

58.62 Cr.

Net Profit

8.88 Cr.

Promoter Holding

18.85 %

EPS (TTM)

₹  1.31

Sales Growth

65.93

ROE

8.12 %

ROCE

10.9%

Profit Growth

27.27 %

* 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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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* 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

Track the companies of Group.

Ratios

Income Growth

1 Year65.93%
3 Year55.46%
5 Year38.24%

Profit Growth

1 Year27.27%
3 Year78.7%
5 Year16.71%

ROE%

1 Year8.12%
3 Year5.88%
5 Year6.6%

ROCE %

1 Year10.9%
3 Year8.71%
5 Year9.36%

ROA%

2.2923

PEG Ratio

1.16

PAT Margin (%)

15.1536

EPS Growth(%)

24.7482

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 18.85 0.00
Jun 2024 19.61 0.00
Mar 2024 19.62 0.00
Dec 2023 19.79 0.00
Sep 2023 20.62 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 55.4588788797998%.
  • The company has delivered substantial profit growth of 78.7032431673599% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 60.2492597554363%.

 Limitations

  • Promoters shareholding is low at 18.85%.
  • Provision and contingencies have increased by 200.287172941927%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Operating Revenue 12.29 13.67 16.33 16.33 18.91
Other Income 0 0 0 3.01 2.05
Interest Expended 5.45 6.53 7.67 8.18 10.2
Operating Expenses 4.62 4.78 5.42 6.86 6.69
Total Provisions 0 0 0 0 0
Depreciation 0.14 0.15 0.18 0.19 0.17
Profit Before Tax 2.08 2.21 3.07 4.12 3.9
Tax 0.52 0.14 0.55 1.38 0.89
Net Profit 1.55 2.07 2.52 2.74 3.02
Adjusted EPS (RS) 0.2 0.27 0.32 0.35 0.38

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 15.78 15.6 18.72 35.33 58.62
Other Income 0.12 0 0.64 1.91 3.01
Interest 4.92 5.01 6.17 11.4 27.83
Operating Expenses 4.03 6.34 11.26 17.2 20.45
Total Provisions 0.83 2.06 0.61 0.63 1.88
Exceptional Items 0 0 0 0 0
Profit Before Tax 6.12 2.18 1.32 8.02 11.47
Tax 1.08 0.63 0.7 1.04 2.59
Profit After Tax 5.04 1.56 0.62 6.98 8.88
Adjusted EPS (Rs.) 0.8 0.25 0.09 0.9 1.13

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 15.67 15.67 16.58 38.58 39.36
Total Reserves 36.8 37.97 47.52 67.84 93.65
Borrowings 37.7 64.28 78.48 162.5 320.3
Other N/C liabilities -0.05 -0.37 -0.15 1.21 1.16
Current liabilities 0.46 6.74 10.62 14.62 35.84
Total Liabilities 90.58 124.29 153.05 284.75 490.31
Assets
Loans 82.69 92.83 102.31 228.08 382.03
Net Block 1.21 1.57 1.65 2.57 3.09
Capital WIP 0 0 0 1.19 1.86
Intangible WIP 0 0 0 0 0
Investments 3.56 3.56 8.58 7.38 8.01
Other Loans 0.58 1.32 3.84 0.65 0.78
Other N/C Assets 0 0 0 0 0
Current Assets 2.54 25 36.67 44.88 94.54
Total Assets 90.58 124.29 153.05 284.75 490.31
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 20.62 19.79 19.62 19.61 18.85
aarsh fincon limited - - - 1.02 0.93
abhilasha jain 0.19 0.19 0.19 0.19 0.19
akme automobiles private ... 0.04 0.04 0.04 0.04 0.04
akme build estate limited... 0.99 0.58 0.29 0.31 0.05
anil kumar jain 0.29 0.29 0.29 0.29 0.28
ashish jain 2.04 2.01 2.06 2.06 2.05
ashish jain huf 1.61 1.58 0.99 1.58 1.57
jenisha jain 0.73 0.72 0.72 0.72 0.71
kailash jain 0.26 0.25 0.25 0.25 0.25
kavish jain 2.04 2.00 2.08 2.08 2.08
kavish jain (huf) 1.01 - - 0.99 0.99
nirmal kumar jain 2.79 2.74 2.74 2.74 2.42
pushpa nagda 5.99 5.88 5.88 5.88 5.86
ravindra jain 0.06 0.06 0.06 0.06 0.06
shilpa jain 0.11 0.11 0.11 0.11 0.11
surbhi jain 0.54 0.53 0.53 0.53 0.53
vimal jain 0.15 0.14 0.14 0.14 0.11
vinita sureshkumar jain 0.63 0.62 0.62 0.62 0.61
akme fincon limited 1.07 1.05 1.05 - -
kavish jain huf - 0.99 1.58 - -
jamak lal jain 0.05 0.01 - - -
PARTICULARS Jun 2023% Sep 2023% Dec 2023% Mar 2024% Sep 2024%
investors 77.78 79.38 80.21 80.38 81.15
anita arora 1.65 1.27 1.18 1.13 1.02
arika securities private ... 4.15 4.14 4.07 4.07 2.26
arkfin investments pvt lt... 16.87 16.86 16.54 16.33 16.28
colo securities private l... 4.15 4.14 4.07 4.07 4.05
paresh harishkumar thakke... - - - - 1.11
prashant arvind karulkar - - - 1.60 1.60
sapan anil shah (huf) . - - - - 1.52
rajendra jaysing sawant 1.63 1.24 - 1.00 -
prashant karulkar - 1.66 1.63 - -
zenith multi trading dmcc... 1.04 1.04 - - -
sumalya khanderao kale 2.81 - - - -

Ratings & Research Reports

Company Presentations

Company News

Star Housing Finance informs about certificate 10 Oct, 4:42 PM Star Housing Finance informs about press release 9 Oct, 2:42 PM Star Housing Finance informs about press release 9 Sep, 5:23 PM Star Housing Finance crosses Rs 500 crore AUM 9 Sep, 12:59 PM Star Housing Finance - Quaterly Results 25 Jul, 8:37 PM Star Housing Finance - Quaterly Results 25 Jul, 8:37 PM Star Housing Finance - Quaterly Results 8 May, 2:14 PM Star Housing Finance - Quaterly Results 8 May, 2:14 PM Star Housing Finance - Quaterly Results 8 May, 2:14 PM Star Housing Finance inks co-lending partnership with TCHFL 22 Mar, 11:27 AM Star Housing Finance informs about disclosure 21 Mar, 11:42 AM Star Housing Finance informs about disclosure 27 Feb, 11:38 AM Star Housing Finance informs about analyst meet 20 Feb, 4:51 PM Star Housing Finance - Quaterly Results 17 Jan, 5:46 PM Star Housing Finance - Quaterly Results 17 Jan, 5:46 PM Star Housing Finance - Quaterly Results 17 Jan, 5:46 PM Star Housing Finance informs about disclosure 12 Dec, 1:03 PM Star Housing Finance informs about disclosure 11 Dec, 3:34 PM Star Housing Finance informs about proceedings of EGM 6 Dec, 5:01 PM Star Housing Finance informs about disclosure 2 Nov, 10:03 AM Star Housing Finance - Quaterly Results 25 Oct, 8:15 PM Star Housing Finance - Quaterly Results 25 Oct, 8:15 PM Star Housing Finance raises Rs 20 crore through NCDs 19 Oct, 2:41 PM Star Housing Finance gets nod to raise upto Rs 20 crore through NCDs 26 Sep, 10:47 AM Star Housing Finance opens new office in Vashi 6 Sep, 11:10 AM Star Housing Finance receives Rs 50 crore term loan sanction from State Bank of India 23 Aug, 12:29 PM Star Housing Finance informs about disclosure 2 Aug, 12:47 PM Star Housing Finance opens new branch in Hingoli 15 Jul, 2:05 PM Star Housing Finance - Quaterly Results 15 Jul, 1:53 PM Star Housing Finance - Quaterly Results 15 Jul, 1:53 PM Star Housing Finance - Quaterly Results 15 Jul, 1:53 PM Star Housing Finance informs about disclosure 1 Jul, 3:31 PM Star Housing Finance informs about disclosure 1 Jul, 2:17 PM Star Housing Finance informs about disclosure 16 Jun, 12:33 PM Star Housing Finance informs about disclosure 3 Jun, 3:59 PM Star Housing Finance informs about disclosure 16 May, 2:14 PM Star Housing Finance informs about disclosure 12 May, 2:57 PM Star Housing Finance informs about press release 24 Apr, 4:04 PM Star Housing Finance - Quaterly Results 22 Apr, 1:33 PM Star Housing Finance - Quaterly Results 22 Apr, 1:33 PM Star Housing Finance - Quaterly Results 22 Apr, 1:33 PM Star Housing Finance informs about disclosure 16 Mar, 10:37 AM Star Housing Finance opens new branch in Jalgaon 24 Feb, 4:41 PM Star Housing Finance informs about opening of new branch 23 Feb, 12:33 PM Star Housing Finance informs about allotment under ESOP 3 Feb, 3:28 PM Star Housing Finance informs about update on conference call 24 Jan, 5:16 PM Star Housing Finance - Quaterly Results 24 Jan, 1:15 PM Star Housing Finance - Quaterly Results 24 Jan, 1:15 PM Star Housing Finance - Quaterly Results 24 Jan, 1:15 PM Star Housing Finance informs about compliances-certificate 9 Jan, 1:08 PM

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.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Star Housing Finance stock price today is Rs 37.67. To understand the functions of the Star Housing Finance better, you must go through the following points:

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 the company is Rs 8.8833 Cr and the compounded growth of profit in the past 3 years is 78.7022056972837 %. The PAT margin of Star Housing Finance is 15.1536 %.

  • 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 24.7513 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Star Housing Finance has a poor ROE track record. The ROE of Star Housing Finance is at 8.1213 % 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 37.67. Star Housing Finance is trading at a current P/E ratio of 41.0722 and the average historical P/E for the last 5 years was 89.8282506997086.

  • 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 2.4893 . The average historical P/B for the last 5 years was 2.68451604757239. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Star Housing Finance is Rs 37.67. One can use valuation calculators of ticker to know if Star Housing Finance share price is undervalued or overvalued.

Last Updated on:
Brief about Star Housing Finance
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