Star Housing Finance
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Star Housing Finance share price

Star Housing Finance Ltd.

BSE: 539017 SECTOR: Finance - Housing  18.61 K   31   4

24.50
-0.23 (-0.93%)
BSE: 17 Sep 04:01 PM

Price Summary

Today's High

₹ 25

Today's Low

₹ 23.98

52 Week High

₹ 50.35

52 Week Low

₹ 22.03

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

₹ 193.46 Cr.

Advances

₹ 382.03 Cr.

No. of Shares

7.9 Cr.

P/E

20.44

P/B

1.34

Face Value

₹ 5

Div. Yield

0 %

Book Value (TTM)

₹  18.32

Operating Revenue

₹ 58.62 Cr.

Net Profit

₹ 8.88 Cr.

Promoter Holding

18.44 %

EPS (TTM)

₹  1.2

Sales Growth

65.93

ROE

8.12 %

ROCE

10.9%

Profit Growth

27.27 %

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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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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.

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

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

0.83

PAT Margin (%)

15.1536

EPS Growth(%)

24.7482

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 18.44 0.00
Mar 2025 18.78 0.00
Dec 2024 18.78 0.00
Sep 2024 18.85 0.00
Jun 2024 19.61 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 18.44%.
  • Provision and contingencies have increased by 200.287172941927%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 18.91 21.9 24.03 27.71 21.81
Other Income 2.05 0.73 -0.55 0.18 0
Interest Expended 10.2 11.12 12.14 13.04 12.88
Operating Expenses 6.69 7.38 8.65 10.75 6.94
Total Provisions 0 0 0 0 0
Depreciation 0.17 0.18 0.19 0.28 0.22
Profit Before Tax 3.9 3.95 2.51 3.83 1.77
Tax 0.89 0.88 0.47 0.85 0.39
Net Profit 3.02 3.06 2.04 2.98 1.38
Adjusted EPS (RS) 0.38 0.39 0.26 0.38 0.18

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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 19.61 18.85 18.78 18.78 18.44
aarsh fincon limited 1.02 0.93 0.87 0.87 0.73
abhilasha jain 0.19 0.19 0.18 0.18 0.18
akme automobiles private ... 0.04 0.04 0.04 0.04 0.04
akme build estate limited... 0.31 0.05 0.05 0.05 0.05
anil kumar jain 0.29 0.28 0.28 0.28 0.28
ashish jain 2.06 2.05 2.05 2.05 2.05
ashish jain huf 1.58 1.57 1.57 1.57 1.57
jenisha jain 0.72 0.71 0.71 0.71 0.71
kailash jain 0.25 0.25 0.25 0.25 0.20
kavish jain 2.08 2.08 2.08 2.08 2.08
kavish jain (huf) 0.99 0.99 0.99 0.99 0.99
manju devi jain - - 2.42 2.42 2.42
pushpa nagda 5.88 5.86 5.86 5.86 5.86
ravindra jain 0.06 0.06 0.06 0.06 0.01
shilpa jain 0.11 0.11 0.11 0.11 0.11
surbhi jain 0.53 0.53 0.53 0.53 0.53
vimal jain 0.14 0.11 0.11 0.11 0.01
vinita sureshkumar jain 0.62 0.61 0.61 0.61 0.61
nirmal kumar jain 2.74 2.42 - - -
PARTICULARS Mar 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 80.38 81.15 81.22 81.22 81.56
arkfin investments and ad... - - 15.94 15.94 15.94
colo securities private l... 4.07 4.05 1.28 1.28 1.28
pankaj babulal vora - - 1.42 - 1.62
paresh harishkumar thakke... - 1.11 - 1.05 1.09
prashant arvind karulkar 1.60 1.60 1.60 1.60 1.60
sapan anil shah (huf) . - 1.52 - 1.52 1.55
share india algoplus priv... - - 2.41 2.41 2.41
share india securities li... - - 2.41 2.41 2.41
skyveil trade solutions l... - - 1.11 1.11 1.11
sapan anil shah (huf) - - 1.52 - -
anita arora 1.13 1.02 - - -
arika securities private ... 4.07 2.26 - - -
arkfin investments pvt lt... 16.33 16.28 - - -
rajendra jaysing sawant 1.00 - - - -

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 Q4FY24
Concall Q3FY24
Concall Q2FY24
Concall Q2FY22
Concall Q1FY25
Concall Q1FY24
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Presentation Q4FY21
Presentation Q2FY22
Presentation Q2FY21
Presentation Q1FY26
Presentation Q1FY22
Presentation Q1FY21

Company News

Star Housing Finance informs about appointment of company secretary 13 Sep, 4:34 PM Star Housing Finance informs about outcome of board meeting 12 Sep, 4:09 PM Star Housing Finance gets nod to raise Rs 50 crore via NCDs 16 Aug, 11:16 AM Star Housing Finance - Quaterly Results 14 Aug, 10:41 PM Star Housing Finance informs about disclosure 18 Jun, 12:51 PM Star Housing Finance partners with Vastu Housing Finance 26 May, 5:40 PM Star Housing Finance informs about press release 26 May, 2:29 PM Star Housing Finance informs about disclosure 22 May, 11:14 AM Star Housing Finance informs about earnings call transcript 14 May, 4:44 PM Star Housing Finance - Quaterly Results 7 May, 11:20 PM Star Housing Finance - Quaterly Results 7 May, 11:20 PM Star Housing Finance informs about disclosure 27 Dec, 12:22 PM Star Housing Finance informs about disclosure 13 Dec, 4:47 PM Star Housing Finance informs about disclosure 13 Dec, 2:41 PM Star Housing Finance informs about disclosure 13 Dec, 11:59 AM Star Housing Finance informs about disclosure 26 Nov, 10:03 AM 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 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 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 24.5. 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 1.33700053480021. 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.

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 24.5.

Q2. What is the market capitalisation of Star Housing Finance?
Ans: Star Housing Finance has a market capitalisation of Rs 193.4616726 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 20.4371037704371 and the P/B ratio of Star Housing Finance is 1.33700053480021, 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 50.35, and the 52-week low share price of Star Housing Finance is Rs 22.03.

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 18.3246. 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 8.1213% and ROCE of Star Housing Finance is 10.9011%. 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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