SRGHFL.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: Company is comfortably able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Fairly valued stock which is a sign of mature companies

Performance Graph
Financial Ratios
Ratio Value
PE Ratio23.37
Net Profit Margin0.19
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio2.87
Debt to Equity3.16
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: Very high efficiency of the assets which indicates assets are making high contribution to the revenue

Return on Equity: Giving good returns on equity which is generally acceptable for most industries

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.19
Return on Assets0.82
Return on Equity0.13
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: It has a good balance between assets & liabilities and would be just able to cover its short-term liabilities

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio1.14
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: Company is comfortably able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio2.87
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio3.16
Interest Coverage Ratio24.79
Performance Graph
Key Ratios

P/E Ratio: Fairly valued stock which is a sign of mature companies

Dividend Yield: Low yield, focus on growth rather than dividends (Low dividend yield, which means company is focusing on growth

Performance Graph
Market Ratios
Ratio Value
P/E Ratio23.37
Gross Profit Margin0.35
Price to Book Ratio3.08
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of SRG Housing Finance Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 6703562000 5076483000 4180480000
Total Non Current Assets 5316167000 4033191000 3103863000
Other Non Current Assets 63647000 64521000 61168000
Non Current Prepaid Assets 59868000 50816000 64197000
Non Current Deferred Taxes Assets 50916000 39272000 28984000
Financial Assets - - -
Investment In Financial Assets 192849000 206648000 200158000
Held To Maturity Securities - - -
Available For Sale Securities 192849000 206648000 200158000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 8953000 5863000 510000
Other Intangible Assets 8953000 5863000 510000
Goodwill - - -
Net Ppe 261025000 244325000 125693000
Accumulated Depreciation -109032000 -55426000 -35405000
Gross Ppe 370057000 299751000 161098000
Construction In Progress 4777000 1649000 52116000
Other Properties 173551000 133673000 51950000
Machinery Furniture Equipment 191729000 164429000 57032000
Buildings And Improvements - - -
Land And Improvements - - -
Properties - - -
Current Assets 1387395000 1043292000 1076617000
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - 5000
Prepaid Assets 3402000 12778000 71081000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 1157189000 795121000 636982000
Taxes Receivable 377000 927000 2963000
Accounts Receivable - 64337000 47918000
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments 226427000 234466000 317668000
Other Short Term Investments 201951000 195228000 266604000
Cash And Cash Equivalents 24476000 39238000 51064000
Cash Equivalents - - -
Cash Financial 24476000 39238000 51064000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 4888137000 3533183000 3332226000
Total Debt 5041103000 3676240000 3429058000
Total Liabilities Net Minority Interest 5106879000 3743862000 3043084000
Total Non Current Liabilities Net Minority Interest 3888274000 2436018000 2060639000
Other Non Current Liabilities -1000 -410954000 -516952000
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - 2566000
Trade And Other Payables Non Current - 28457000 29410000
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 3886003000 2434001000 2479467000
Long Term Capital Lease Obligation 116456000 97101000 -
Long Term Debt 3769547000 2336900000 2479467000
Long Term Provisions 2272000 2017000 56184000
Current Liabilities 1218605000 1307844000 982445000
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - 53368000
Current Debt And Capital Lease Obligation 1155100000 1242239000 949591000
Current Capital Lease Obligation 12034000 6718000 45768000
Current Debt 1143066000 1235521000 903823000
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions 14365000 1857000 250000
Payables 49140000 63748000 32854000
Other Payable 33665000 58855000 23941000
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 15475000 4893000 8913000
Common Stock Equity 1596683000 1332621000 1137396000
Total Capitalization 5366230000 3669521000 3616863000
Total Equity Gross Minority Interest 1596683000 1332621000 1137396000
Minority Interest - - -
Stockholders Equity 1596683000 1332621000 1137396000
Other Equity Interest 18026000 25000000 1007396000
Treasury Stock - - -
Retained Earnings 987699000 818781000 682756000
Additional Paid In Capital 194702000 137702000 137702000
Capital Stock 133000000 130000000 130000000
Common Stock 133000000 130000000 130000000

Income statement interpretation for SRG Housing Finance Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 1137849000 834869000 732103000
Operating Revenue 1137849000 834869000 732103000
Cost Of Revenue 734442000 532898000 428198000
Gross Profit 403407000 301971000 303905000
Ebitda 329725000 252519000 278257000
Ebit 271955000 217941000 256543000
Operating Income 262614000 208770000 244237000
Net Income 210588000 170571000 203219000
Net Income From Continuing Operation Net Minority Interest 210588000 170571000 203219000
Net Income From Continuing And Discontinued Operation 210588000 170571000 203219000
Net Income Common Stockholders 210588000 170571000 203219000
Net Income Including Noncontrolling Interests 210588000 170571000 203219000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 210588000 170571000 203219000
Normalized Income 205652173 169313779 196566769
Normalized Ebitda 323608000 250968000 269900000
Total Unusual Items 6117000 1551000 8357000
Total Unusual Items Excluding Goodwill 6117000 1551000 8357000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 57770000 34578000 21714000
Reconciled Cost Of Revenue 734442000 532898000 428198000
Total Expenses 875235000 626099000 487866000
Operating Expense 140793000 93201000 59668000
Other Operating Expenses 67474000 50688000 30770000
Depreciation And Amortization In Income Statement 57770000 34578000 21714000
Amortization - - -
Depreciation Income Statement 57770000 34578000 21714000
Selling General And Administration 65252000 42810000 36988000
Selling And Marketing Expense 14927000 7053000 6356000
General And Administrative Expense 50325000 35757000 30632000
Rent And Landing Fees 20067000 16865000 11619000
Tax Provision 50395000 39858000 52079000
Pretax Income 260983000 210429000 255298000
Other Non Operating Income Expenses 285000 1020000 692000
Special Income Charges -10451000 -19496000 -1882000
Other Special Charges - 1233000 -
Write Off 10451000 18263000 1882000
Net Non Operating Interest Income Expense -8032000 -896000 2013000
Total Other Finance Cost 11993000 10217000 8741000
Interest Expense Non Operating 10972000 7512000 1245000
Interest Income Non Operating 14933000 16833000 11999000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 15.60 12.95 15.63
Basic Eps 16.18 13.12 15.63
Diluted Ni Avail To Com Stockholders 210588000 170571000 203219000
Net Income From Continuing Operations 260983000 210429000 255298000
Minority Interests - - -

Cash flow analysis for SRG Housing Finance Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -1401325000 -832210000 34465000
Changes In Cash -22098000 -14107000 -21421000
Taxes Refund Paid -55882000 -51400000 -54413000
Change In Working Capital -1683435000 -1043370000 -177595000
Change In Other Current Liabilities -26044000 -5423000 2651000
Change In Other Current Assets -36121000 -37622000 -35615000
Change In Payable 11435000 -5622000 2195000
Change In Inventory - - -
Change In Receivables -1639170000 -994927000 -147347000
Other Non Cash Items 1853000 498000 -12761000
Stock Based Compensation 8026000 - -
Provision And Write Off Of Assets - - -
Depreciation And Amortization 57770000 34578000 21714000
Amortization Cash Flow - - -
Depreciation 57770000 34578000 21714000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -6278000 85823000 -64696000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale 31406000 151227000 -15881000
Sale Of Investment 31406000 151227000 69141000
Purchase Of Investment - - -85022000
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -37684000 -65404000 -48815000
Sale Of Ppe - - -
Purchase Of Ppe -37684000 -65404000 -48815000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 1385505000 732280000 8810000
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance 45000000 25000000 -
Common Stock Payments - - -
Common Stock Issuance 45000000 25000000 -
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt - - -
Issuance Of Capital Stock 45000000 25000000 -
Net Issuance Payments Of Debt 1340505000 707280000 8810000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 1340505000 707280000 8810000
Long Term Debt Payments - - -
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of SRGHFL.NS (SRG Housing Finance Limited)

Above is the summary for fundamental analysis of SRG Housing Finance Limited , whose ticker name is SRGHFL.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The SRG Housing Finance Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 23.37, SRGHFL.NS has a net profit margin of 0.19, the acid test ratio for SRGHFL.NS is 0.00, SRGHFL.NS has an inventory turnover of 0.00, and SRGHFL.NS has debt-to-equity ratio of 3.16.

The SRGHFL.NS whose company name is SRG Housing Finance Limited has made profit/loss of 403407000 with total revenue of 1137849000, SRGHFL.NS has assets worth of 6703562000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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