On 6 Nov 2026, Sahara Housingfina Corporation was priced at ₹35.72, or 83.1× trailing earnings, and the shares are 34% below their 52-week high. Net profit fell 38% a year over 3 years; its ROE of 0.7% is the second-lowest among the 7 largest Mortgage Finance peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.46× book value. It is a small-cap company with a market cap of ₹25 Cr, ranked 21st of 21 Mortgage Finance companies by market cap; the shares fell 30% over the past year.
- ₹37.44
- ₹37.44
- ₹35.60
- ₹37.45
- 128
Health check
- ReturnsBehind
−29.8% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 0.46 vs peer median 1.55.
- GrowthShrinking
Profit −37.6% a year over 3 years.
- ProfitabilityWeak
ROE 0.7% vs peer median 14.3%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags3 to check
Return on equity is low at 0.7%.
Small cap
Moves with the market
Key metrics
- Market cap
- ₹25 Cr
- Small cap
- P/E
- 83.1
- Industry 12.2
- Price to book
- 0.46
- Peers 1.55
- Dividend yield
- 0.00%
- ROE
- 0.7%
- Peers 14.3%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.43
- OPM (TTM)
- 11.0%
- Net margin 5.4%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- −21.9%
- Latest quarter vs a year ago
- Price to sales
- 4.58
Strengths and risks
Risks to check
- Return on equity is low at 0.7%.
- Quarterly profit down 21.9% on a year ago.
- 34% below its 52-week high.
About Sahara Housingfina Corporation
Sahara Housingfina Corporation Limited provides housing finance for the purchase, construction, extension, repair, and renovation of houses to individuals and families in India. It provides individual housing, home improvement, home extension loan, land loans, mortgage loans, non residential property loans, home loan enhancement, and loan take over/balance transfer, as well as loans for families. The company was formerly known as Livewell Home Finance…
- Headquarters
- Kolkata
- Employees
- 25
- Sector
- Financial Services
- ISIN
- INE135C01012
- Website
- saharahousingfina.com
Price range
- Avg volume (3M)
- 1.6K
- 1-year return
- minus 29.8%
- From 52-week high
- minus 34.4%
Peers · Mortgage Finance
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFLBajaj Housing Finance | 80.00 | minus 3.80% | 66,632 | 23.7 | 2.77 | 12.4% | 2.2% | 26.7% | 0.00% | minus 24.1% |
| LICHSGFINLIC Housing Finance | 536.00 | plus 1.32% | 29,483 | 5.0 | 0.67 | 14.3% | 1.8% | 24.7% | 1.87% | minus 7.8% |
| PNBHOUSINGPNB Housing Finance | 1,100.20 | plus 0.02% | 28,694 | 12.2 | 1.42 | 12.3% | 2.5% | 29.9% | 0.73% | plus 18.1% |
| AADHARHFCAadhar Housing Finance | 429.65 | minus 1.96% | 18,836 | 16.1 | 2.48 | 15.8% | – | 26.2% | 0.00% | minus 13.9% |
| SAMMAANCAPSammaan Capital | 132.27 | minus 1.12% | 16,343 | – | 0.57 | −35.0% | – | – | 0.00% | minus 28.2% |
| HOMEFIRSTHome First Finance Company India | 1,090.90 | minus 1.13% | 11,408 | 18.5 | 2.44 | 14.3% | 4.0% | 33.3% | 0.48% | minus 7.7% |
| CANFINHOMECan Fin Homes | 748.95 | plus 0.72% | 9,973 | 8.6 | 1.55 | 19.4% | 2.6% | 20.5% | 2.14% | minus 13.7% |
| SAHARAHOUSSahara Housingfina Corporation | 35.72 | minus 4.62% | 25 | 83.1 | 0.46 | 0.7% | – | −37.6% | 0.00% | minus 29.8% |
| Median of 7 peers | – | −1.12% | 18,836 | 14.2 | 1.55 | 14.3% | 2.5% | 26.5% | 0.48% | −13.7% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 1.7 | 1.8 | 1.7 | 1.9 | 1.6 | |
| 1.6 | 1.5 | 1.5 | 1.8 | 1.4 | |
| 0.2 | 0.3 | 0.2 | 0.1 | 0.2 | |
| 10.3% | 15.6% | 10.6% | 4.8% | 13.4% | |
| 0 | 0 | 0 | 0 | 0 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |
| 0.2 | −0.3 | 0 | 0.1 | 0.1 | |
| 0.2 | −0.1 | 0.1 | 0.1 | 0.2 | |
| 14.9% | 38.1% | 24.8% | 8.6% | 3.3% | |
| 0.2 | −0 | 0.1 | 0.1 | 0.2 | |
| 0.30 | -0.04 | 0.12 | 0.11 | 0.24 |
Profit & loss
- Profit CAGR 3Y
- −37.6%
- EPS CAGR 3Y
- −37.7%
- ROE
- 0.7%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 9.9 | 9 | 7.5 | 6.4 | |
| – | minus 9.2% | minus 16.2% | minus 14.7% | |
| 8.9 | 8.2 | 7.4 | 6.3 | |
| 1 | 0.8 | 0.2 | 0.1 | |
| 10.4% | 8.5% | 2.3% | 1.3% | |
| 1.2 | 1.6 | 1.1 | 0.7 | |
| 0.1 | 0.1 | 0 | 0 | |
| 0.5 | 0.4 | 0.4 | 0.3 | |
| 0.4 | 0 | 0 | 0 | |
| 2.1 | 1.8 | 0.8 | 0.4 | |
| 32.2% | 24.1% | 19.0% | 13.4% | |
| 1.4 | 1.4 | 0.6 | 0.3 | |
| – | minus 0.8% | minus 53.8% | minus 47.0% | |
| 2.03 | 2.01 | 0.93 | 0.49 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 7 | 7 | 7 | 7 | |
| 43.3 | 44.7 | 45.4 | 45.8 | |
| 49.1 | 45.4 | 22.4 | 13.4 | |
| 1.5 | 1.1 | 0.9 | 2.7 | |
| 101 | 98.2 | 75.7 | 68.9 | |
| 1.4 | 1 | 0.9 | 2.6 | |
| 12.9 | 18 | 5.6 | 3.5 | |
| 10.2 | 5.6 | 3.1 | 3.2 | |
| 76.3 | 73.6 | 66.1 | 59.6 | |
| 101 | 98.2 | 75.7 | 68.9 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 10.4 | 3.8 | 24.3 | 11.6 | |
| −0.3 | −0.1 | −0.3 | −2.1 | |
| −11.1 | −4.1 | −23.5 | −9.4 | |
| −1 | −0.4 | 0.6 | 0.1 | |
| −0.3 | −0.1 | −0.3 | −2.1 | |
| 10.1 | 3.7 | 24.1 | 9.5 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.