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Star Housing Finance

STARHOUSINGFINANCELTD NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹39.97 Cr
Volatility
Moderate
P/E Ratio
5.9
EBITDA
₹61.50 Cr
Return on Equity
7.71%
Debt to Equity
2.62
Book Value
₹18.56
EPS
₹1.31
52W High
₹23.01
52W Low
₹3.67

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

2
  • Stock is trading at 0.47 times its book value
  • Company's median sales growth is 46.7% of last 10 years

Weaknesses

6
  • Company has low interest coverage ratio.
  • Promoter holding is low: 17.5%
  • Company has a low return on equity of 7.82% over last 3 years.
  • Contingent liabilities of Rs.12.0 Cr.
  • Promoter holding has decreased over last 3 years: -4.72%
  • Working capital days have increased from -70.6 days to 78.0 days

Growth Rate

Revenue Growth
54.22% lower than 3Y
Net Income Growth
24.72% lower than 3Y
Cash Flow Change
49.42% higher than 3Y
ROE
15.42% higher than 3Y
ROCE
27.25% lower than 3Y
EBITDA Margin (Avg.)
-0.12% lower than 3Y

Quarterly Results

Particulars Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue
9.96
11.6
12.29
13.67
16.33
16.33
18.91
21.91
24.03
27.71
21.81
25.15
25.82
Expenses
4.25
6.16
4.62
4.78
5.41
6.85
6.69
7.39
8.64
10.75
6.94
8.59
11.02
Financing Profit
2.87
1.06
2.22
2.36
3.25
1.3
2.02
3.4
3.25
3.93
1.99
2.72
1.18
Fin. Margin %
28.82%
9.14%
18.06%
17.26%
19.9%
7.96%
10.68%
15.52%
13.52%
14.18%
9.12%
10.82%
4.57%
Other Income
0
0.9
0
0
0
3.01
2.05
0.73
-0.55
0.18
0
0
0
Interest
2.84
4.38
5.45
6.53
7.67
8.18
10.2
11.12
12.14
13.03
12.88
13.84
13.62
Depreciation
0.1
0.1
0.14
0.15
0.18
0.19
0.17
0.18
0.19
0.28
0.22
0.41
0.42
PBT
2.77
1.86
2.08
2.21
3.07
4.12
3.9
3.95
2.51
3.83
1.77
2.31
0.76
Tax %
29.6%
-40.86%
25%
6.33%
17.92%
33.5%
22.56%
22.28%
18.73%
22.19%
21.47%
22.51%
36.84%
Net Profit
1.94
2.62
1.55
2.07
2.52
2.74
3.02
3.06
2.04
2.98
1.38
1.79
0.49
EPS in Rs
0.14
0.19
0.11
0.15
0.18
0.2
0.22
0.22
0.15
0.21
0.1
0.13
0.03
Gross NPA %
2.15%
1.68%
1.56%
1.46%
1.64%
1.5%
1.57%
1.56%
1.74%
1.84%
1.65%
1.65%
1.84%
Net NPA %
1.65%
1.25%
1.13%
1.08%
1.24%
1.02%
1.12%
1.09%
1.25%
1.4%
1.13%
1.16%
1.49%
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue
1
2
3
3
7
12
16
16
19
35
59
93
100
Expenses
0
1
1
1
1
1
5
8
12
17
22
33
37
Financing Profit
1
1
2
2
4
6
6
2
1
6
9
13
10
Fin. Margin %
39%
49%
63%
63%
57%
51%
39%
15%
5%
18%
16%
14%
10%
Other Income
0
0
0
0
0
0
0
0
1
2
3
2
0
Interest
0
0
0
0
2
5
5
5
6
11
28
46
53
Depreciation
0
0
0
0
0
0
0
0
0
0
1
1
1
PBT
1
1
2
2
4
6
6
2
1
8
11
14
9
Tax %
32%
32%
31%
33%
28%
31%
18%
28%
53%
13%
23%
22%
—
Net Profit
0
1
1
1
3
4
5
2
1
7
9
11
7
EPS in Rs
0.12
0.08
0.14
0.17
0.34
0.48
0.45
0.14
0.05
0.51
0.63
0.79
0.47
Div. Payout %
0%
0%
0%
0%
0%
0%
3%
15%
53%
6%
0%
7%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
2
6
6
12
12
12
16
16
17
39
39
39
39
Reserves
8
9
11
6
11
18
37
38
48
68
94
104
107
Borrowing
3
3
1
7
30
42
38
64
78
162
320
404
392
Other Liabilities
0
0
0
0
2
0
1
7
11
17
37
7
17
Total Liabilities
13
18
18
25
54
73
91
125
153
286
490
555
555
Fixed Assets
0
0
0
0
0
1
1
2
2
3
3
3
4
CWIP
0
0
0
0
0
0
0
0
0
1
2
0
0
Investments
1
1
1
1
1
4
4
4
9
7
8
8
10
Other Assets
12
17
17
24
53
68
86
120
143
274
477
544
542
Total Assets
13
18
18
25
54
73
91
125
153
286
490
555
555
Figures in ₹ Crores

Cash Flow

Particulars Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Operating
-5
-1
-2
-3
-22
-14
-11
-9
-6
-111
-129
-65
Investing
0
0
0
0
0
0
0
-4
-7
-10
-14
4
Financing
6
5
-1
5
21
16
9
32
22
120
176
85
Net Cash Flow
1
3
-4
2
-1
2
-2
19
9
-1
33
23
Free Cash Flow
-5
-1
-3
-3
-22
-14
-11
-10
-7
-114
-131
-65
CFO/OP
-577
-79
-81
-83
-371
-118
-83
-113
-82
-614
-345
-109
Figures in ₹ Crores

Ratios

Particulars Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE %
5%
5%
7%
8%
14%
15%
12%
3%
1%
8%
7%
8%

Insights

Beta

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Shareholding Pattern

DIIs0.08%Public48.73%Promot.17.50%Others33.69%As ofJun 2026

Documents

Frequently Asked Questions about Star Housing Finance

What does Star Housing Finance Ltd do?
Incorporated in 2005, Star Housing Finance Ltd provides loans for the purchase, construction, development and repair of houses, apartments and commercial properties in India[1]
Where is Star Housing Finance Ltd (539017) listed?
Star Housing Finance Ltd trades as STARHOUSINGFINANCELTD on the NSE and under code 539017 on the BSE.
Which sector does Star Housing Finance Ltd belong to?
Star Housing Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of Star Housing Finance Ltd?
Star Housing Finance Ltd has a market capitalisation of ₹39.97 Cr, which places it in the Small Cap band.
What is the PE ratio of Star Housing Finance Ltd?
Star Housing Finance Ltd trades at a PE ratio of 5.90, on earnings per share of ₹1.31, against a book value of ₹18.56 per share.
What is the 52-week high and low of Star Housing Finance Ltd?
Over the last 52 weeks Star Housing Finance Ltd has traded between ₹3.67 and ₹23.01.
Does Star Housing Finance Ltd pay dividends?
Star Housing Finance Ltd has a dividend yield of 2.00%.
What is the Return on Equity (ROE) of Star Housing Finance Ltd?
Star Housing Finance Ltd reported a return on equity of 7.71%. Its debt-to-equity ratio is 2.62.

Company Information

Incorporated in 2005, Star Housing Finance Ltd provides loans for the purchase, construction, development and repair of houses, apartments and commercial properties in India[1]

Website starhfl.com
Listed 2015-03-20
Face Value ₹ 5

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