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Star Housing Finance

539017 BSE
₹4.06

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P/E
8.64
View as Markdown
MCP
Close 4 Nov 2026 ₹4.06 −12.16 −75.0% 1Y
Start ₹16.22

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures at the close · EPS basis: Standalone · TTM

Debt to Equity
2.68
EPS (TTM)
₹0.47
Book Value
₹18.56
Market Cap
—
P/E (TTM)
8.64
P/B
0.22
ROE
7.95%
Dividend Yield
2.48%
52W High
₹16.75
52W Low
₹3.66
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Tapetide Score

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

Overall score

53 Average

Data confidence 94/100

Category scores

Quality
71
Strong
Returns, margins, earnings quality 22% weight
Valuation
68
Strong
Cheap vs sector & own history 24% weight
Growth
60
Good
Sales & profit trajectory 9% weight
Financial Health
34
Poor
Solvency, leverage, coverage 9% weight
Momentum
6
Poor
Trend strength, vol-adjusted 12% weight
Ownership
47
Average
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

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBearish964
OscillatorsBearish261
Moving AveragesStrong Bearish703

Key readings

RSI (14)
46.18
Neutral
MACD (12,26,9)
−0.13
Bullish
SMA (50)
4.43
Bearish
SMA (200)
6.42
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2025; 1Y: fiscal year to Mar 2025 against Mar 2024; TTM: four quarters to Dec 2025 against Dec 2024.

Revenue

Revenue growth by window
10Y+46.81%
5Y+42.19%
3Y+69.79%
1Y+57.63%
TTM+23.79%

Net profit

Net profit growth by window
10Y+27.10%
5Y+17.08%
3Y+122.40%
1Y+22.22%
TTM−38.86%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2016₹3.00 Cr
Mar 2017₹3.00 Cr
Mar 2018₹7.00 Cr
Mar 2019₹12.00 Cr
Mar 2020₹16.00 Cr
Mar 2021₹16.00 Cr
Mar 2022₹19.00 Cr
Mar 2023₹35.00 Cr
Mar 2024₹59.00 Cr
Mar 2025₹93.00 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2016₹1.00 Cr
Mar 2017₹1.00 Cr
Mar 2018₹3.00 Cr
Mar 2019₹4.00 Cr
Mar 2020₹5.00 Cr
Mar 2021₹2.00 Cr
Mar 2022₹1.00 Cr
Mar 2023₹7.00 Cr
Mar 2024₹9.00 Cr
Mar 2025₹11.00 Cr

Quarterly Results

₹ Cr

Results for the period ended Mar 2026 were due by 30 May 2026 and are not in this table yet.

539017 quarterly results, ₹ crore
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%

Profit & Loss

₹ Cr
539017 profit and loss, annual, ₹ crore
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%
—

Balance Sheet

₹ Cr
539017 balance sheet, annual, ₹ crore
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

Cash Flow

₹ Cr
539017 cash flow, annual, ₹ crore
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

Ratios

539017 financial ratios, annual
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

58 extracted metrics across FY11–FY26.

Shareholding Pattern

As of Sep 2026

  • Public 49.81%
  • Others 32.98%
  • Promoters 17.13%
  • DIIs 0.08%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

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
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 PE ratio of Star Housing Finance Ltd?
Star Housing Finance Ltd trades at a PE ratio of 8.64 as of 4 Nov 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 ₹3.66 and ₹16.75 as of 4 Nov 2026.
Does Star Housing Finance Ltd pay dividends?
Star Housing Finance Ltd has a dividend yield of 2.48%.
What is the Return on Equity (ROE) of Star Housing Finance Ltd?
Star Housing Finance Ltd reported a return on equity of 7.95%. Its debt-to-equity ratio is 2.68.

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

Website starhfl.com
Listed 20 Mar 2015
Face Value ₹5

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