On 6 Nov 2026, Star Housing Finance was priced at ₹3.97, or 4.7× trailing earnings, and the shares are 76% below their 52-week high. Its ROE of 8.0% is the second-lowest among the 7 largest Mortgage Finance peers, and net profit grew 161% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.21× book value. It is a small-cap company with a market cap of ₹31 Cr, ranked 20th of 21 Mortgage Finance companies by market cap; the shares fell 76% over the past year.
- ₹4.00
- ₹4.07
- ₹3.85
- ₹3.93
- 9.1K
Health check
- ReturnsBehind
−76.2% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 0.21 vs peer median 1.55.
- GrowthStrong
Profit +161.2% a year over 3 years.
- ProfitabilityWeak
ROE 8.0% vs peer median 14.3%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Quarterly profit down 76.1% on a year ago.
Small cap
Moves with the market
Key metrics
- Market cap
- ₹31 Cr
- Small cap
- P/E
- 4.7
- Industry 12.2
- Price to book
- 0.21
- Peers 1.55
- Dividend yield
- 0.00%
- ROE
- 8.0%
- Peers 14.3%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.84
- OPM (TTM)
- 3.2%
- Net margin 15.7%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- −76.1%
- Latest quarter vs a year ago
- Price to sales
- 0.74
Strengths and risks
Risks to check
- Quarterly profit down 76.1% on a year ago.
- 76% below its 52-week high.
About Star Housing Finance
Star Housing Finance Limited provides housing and non-housing loans for individuals, corporates, and developers in India. The company offers home loans for the purchase and resale of flats and houses; construction of homes on self-owned plots; renovation, extension, improvement, and repair of existing units; balance transfer; and purchase of plots for the construction of houses. It also provides top-up loans; and loans for the purchase, construction,…
- Headquarters
- Mumbai
- Employees
- 266
- Sector
- Financial Services
- ISIN
- INE526R01028
- Website
- starhfl.com
Price range
- Avg volume (3M)
- 79.6K
- 1-year return
- minus 76.2%
- From 52-week high
- minus 76.3%
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% |
| STARHFLStar Housing Finance | 3.97 | plus 1.02% | 31 | 4.7 | 0.21 | 8.0% | – | 161.2% | 0.00% | minus 76.2% |
| 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 | Mar 25 | Jun 25 | Sep 25 | Dec 25 |
|---|---|---|---|---|
| 16.6 | 21.6 | 25.2 | 25.9 | |
| 21.5 | 19.1 | 22.1 | 23.6 | |
| −4.9 | 2.5 | 3.1 | 2.2 | |
| −29.8% | 11.6% | 12.2% | 8.6% | |
| 2.2 | 0 | 0 | 0 | |
| 0.3 | 0.2 | 0.4 | 0.4 | |
| 6.8 | −0.5 | −0.4 | −1 | |
| 3.8 | 1.8 | 2.3 | 0.8 | |
| 22.2% | 21.9% | 22.4% | 35.8% | |
| 3 | 1.4 | 1.8 | 0.5 | |
| – | 0.18 | 0.23 | 0.06 |
Profit & loss
- Profit CAGR 3Y
- +161.2%
- EPS CAGR 3Y
- +141.0%
- ROE
- 8.0%
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| 16.6 | 32 | 53.6 | 79.3 | |
| – | +92.5% | +67.8% | +48.0% | |
| 15.1 | 28 | 47.6 | 74.4 | |
| 1.5 | 3.9 | 6 | 4.9 | |
| 9.2% | 12.2% | 11.2% | 6.2% | |
| 2 | 3.3 | 5.2 | 4.4 | |
| 0 | 0.1 | 0 | 0 | |
| 2 | 0.4 | 0.7 | 0.8 | |
| −0.2 | 1.3 | 1 | 5.6 | |
| 1.3 | 8 | 11.5 | 14.2 | |
| 52.8% | 12.9% | 22.6% | 21.8% | |
| 0.6 | 7 | 8.9 | 11.1 | |
| – | +1021.8% | +27.3% | +24.9% | |
| 0.10 | 0.93 | 1.11 | 1.40 |
Forecast
Balance sheet
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| 16.6 | 38.6 | 39.4 | 39.5 | |
| 47.5 | 67.8 | 93.7 | 104 | |
| 78.5 | 162 | 320 | 404 | |
| 10.7 | 16.6 | 37 | 7.3 | |
| 153 | 286 | 490 | 555 | |
| 1.1 | 2.2 | 4.7 | 1.2 | |
| – | – | 1.9 | – | |
| 13.7 | 6.5 | 2.1 | 9.6 | |
| 34 | 32.2 | 73.8 | 103 | |
| 104 | 245 | 408 | 441 | |
| 153 | 286 | 490 | 555 |
Cash flow
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| −6.3 | −111 | −129 | −65.3 | |
| −7 | −10.1 | −14.4 | 4 | |
| 22.4 | 120 | 176 | 84.5 | |
| 9.1 | −1.1 | 32.8 | 23.2 | |
| −0.3 | −2.5 | −1.9 | – | |
| −6.6 | −113 | −131 | −65.3 | |
| −0 | – | −0 | −0 |
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.