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Star Housing Finance

539017 BSE
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Star Housing Finance (STARHFL) share price was ₹3.79 at the 28 Oct 2026 close; market capitalisation ₹29.97 Cr; P/E (TTM) 8.06; sector Financial Services. The share price fell 76.5% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Dec 2025 quarter, revenue rose 7.5% year on year to ₹25.82 Cr and net profit fell 76.0% year on year to ₹0.49 Cr (compared with Dec 2024). Promoters held 17.13% of Star Housing Finance in Sep 2026, down 0.37 percentage points from Jun 2026. Its Tapetide Score is 53/100 (Average) as of 28 Oct 2026.

Close 28 Oct 2026 ₹3.79 −12.52 −76.76% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹29.97 Cr
P/E (TTM)
8.06
EBITDA
₹61.50 Cr
Return on Equity
7.71%
Debt to Equity
2.62
Book Value
₹18.56
EPS (TTM)
₹0.47
52W High
₹16.88
52W Low
₹3.67

Price-based figures as of 28 Oct 2026, 15:30 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Bajaj Housing Finance
₹77.9324.1364,934 Cr2.700.00%11.37%8.44%12,101 Cr2,692 Cr
Piramal Finance
₹1,803.1021.7742,667 Cr1.380.59%5.34%7.24%14,535 Cr1,909 Cr
PNB Housing Finance
₹1,092.0012.1028,480 Cr1.480.74%11.92%9.02%8,689 Cr2,350 Cr
LIC Housing Finance
₹510.904.9028,103 Cr0.681.96%13.53%9.36%28,543 Cr5,739 Cr
Aadhar Housing Finance
₹433.2016.5218,991 Cr2.530.00%14.53%10.62%3,833 Cr1,140 Cr
Sammaan Capital
₹121.05—14,060 Cr0.781.75%-37.62%-4.73%7,463 Cr-7,236 Cr
Home First Finance Company
₹1,031.0018.4610,780 Cr2.310.51%12.40%10.03%2,095 Cr581 Cr
Star Housing Finance (this company)
—8.0630 Cr0.202.65%7.71%11.02%101 Cr7 Cr
Median 8 companies₹510.9016.5223,547 Cr1.430.67%11.65%9.19%8,076 Cr1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

53 Average
Overall score

Data confidence 94/100

Category scores

Quality Strong 71
Returns, margins, earnings quality 22% weight
Valuation Strong 69
Cheap vs sector & own history 24% weight
Growth Good 60
Sales & profit trajectory 9% weight
Financial Health Poor 34
Solvency, leverage, coverage 9% weight
Momentum Poor 3
Trend strength, vol-adjusted 12% weight
Ownership Average 47
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Stock is trading at 0.38 times its book value

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: -3.12%
  • Working capital days have increased from -70.6 days to 78.0 days

Technical Indicators

Oscillators

Bullish

Bearish
1
Neutral
4
Bullish
4

Overall

Bearish

Bearish
11
Neutral
4
Bullish
4

Moving Averages

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
54.22% lower than 3Y

change over 1 year

Net Income Growth
24.72% lower than 3Y

change over 1 year

Cash Flow Change
49.42%

change over 1 year

EBITDA Margin Change
-0.12%

change over 1 year

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 (₹)
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 (₹)
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

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Star Housing Finance insights

74 extracted metrics + investor summaries across FY11–FY26.

Shareholding Pattern

DIIs0.08%Public49.81%Promot.17.13%Others32.98%As ofSep 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 (STARHFL) listed?
Star Housing Finance Ltd trades 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 ₹29.97 Cr as of 28 Oct 2026, 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 8.06 as of 28 Oct 2026, on earnings per share of ₹0.47, 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 ₹16.88 as of 28 Oct 2026.
Does Star Housing Finance Ltd pay dividends?
Star Housing Finance Ltd has a dividend yield of 2.64%.
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
Shares Outstanding 7,90,69,767

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