Star Housing Finance Ltd. | Small-cap | Financial Services
₹17.98
-0.44%
| Star Housing Finance Stock Comparison:
Star Housing Finance vs Bajaj HousingStar Housing Finance vs LIC Housing FinanceStar Housing Finance vs Repco Home FinanceStar Housing Finance vs Pacheli IndustrialStar Housing Finance vs GIC Housing FinanceStar Housing Finance vs NIFTY 50 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 216.1M
Gross Profit 42.7M 19.75%
Operating Income 22.8M 10.54%
Net Income 13.8M 6.41%
EPS (Diluted) ₹0.15

Balance Sheet Metrics

Total Assets 5.6B
Total Liabilities 4.1B
Shareholders Equity 1.4B
Debt to Equity 2.86

Cash Flow Metrics

Revenue & Profitability Trend

Star Housing Finance Income Statement From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Revenue i 793.3M 536.1M 319.6M 166.0M 142.5M
Cost of Goods Sold i 634.1M 391.3M 183.2M 112.1M 80.8M
Gross Profit i 159.2M 144.8M 136.4M 53.9M 61.7M
Gross Margin % i 20.1% 27.0% 42.7% 32.4% 43.3%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 24.2M 23.3M 40.3M 18.4M 15.8M
Other Operating Expenses i 45.2M 28.5M 24.1M 10.8M 5.7M
Total Operating Expenses i 69.4M 51.7M 64.4M 29.2M 21.5M
Operating Income i 41.3M 53.4M 35.6M -5.1M 34.1M
Operating Margin % i 5.2% 10.0% 11.1% -3.1% 23.9%
Non-Operating Items
Interest Income i 23.8M 22.4M 14.5M 16.2M 12.8M
Interest Expense i 73.0K 60.0K 1.1M 274.0K 1.2M
Other Non-Operating Income - - - - -
Pre-tax Income i 141.9M 114.7M 80.2M 13.2M 21.8M
Income Tax i 30.9M 25.9M 10.4M 7.0M 6.3M
Effective Tax Rate % i 21.8% 22.6% 12.9% 52.8% 28.7%
Net Income i 111.0M 88.8M 69.8M 6.2M 15.6M
Net Margin % i 14.0% 16.6% 21.8% 3.7% 10.9%
Key Metrics
EBITDA i 93.9M 111.8M 71.9M 35.6M 44.9M
EPS (Basic) i ₹1.21 ₹1.14 ₹0.97 ₹0.10 ₹0.25
EPS (Diluted) i ₹1.20 ₹1.11 ₹0.93 ₹0.10 ₹0.25
Basic Shares Outstanding i 92257602 77795590 71998502 64028462 62694000
Diluted Shares Outstanding i 92257602 77795590 71998502 64028462 62694000

Income Statement Trend

Star Housing Finance Balance Sheet From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Assets
Current Assets
Cash & Equivalents i 841.7M 609.4M 281.0M 291.8M 201.0M
Short-term Investments i 188.7M 75.3M 40.7M 48.5M 35.0M
Accounts Receivable i - 3.7M - - -
Inventory i - - - - -
Other Current Assets 15.4M 11.7M 6.3M 2.6M 700.0K
Total Current Assets i 1.7B 1.7B 706.5M 450.4M 1.2B
Non-Current Assets
Property, Plant & Equipment i 2.0M 1.3M 763.0K 1.6M 11.4M
Goodwill i 17.6M 21.2M 15.6M 5.3M 4.3M
Intangible Assets i 17.6M 21.2M 15.6M 5.3M 4.3M
Long-term Investments - - - - -
Other Non-Current Assets 1.9M 2.7M 6.3M 1.8M 3.2M
Total Non-Current Assets i 3.9B 3.2B 2.1B 1.1B 78.9M
Total Assets i 5.6B 4.9B 2.9B 1.5B 1.2B
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i 1.0B 749.6M 421.5M 241.8M 222.0M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities 12.0K - 68.0K 35.0K 200.0K
Total Current Liabilities i 1.0B 1.1B 587.4M 348.6M 68.4M
Non-Current Liabilities
Long-term Debt i 3.0B 2.5B 1.2B 543.0M 642.8M
Deferred Tax Liabilities i 28.4M 4.3M 0 - -
Other Non-Current Liabilities 1.0K -2.0K 1.0K -1.0K -2.0K
Total Non-Current Liabilities i 3.1B 2.5B 1.2B 543.0M 642.8M
Total Liabilities i 4.1B 3.6B 1.8B 891.6M 711.3M
Equity
Common Stock i 394.8M 393.6M 385.8M 165.8M 156.7M
Retained Earnings i 323.2M 224.3M 162.7M 111.9M 112.7M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 1.4B 1.3B 1.1B 641.0M 536.4M
Key Metrics
Total Debt i 4.0B 3.2B 1.6B 784.8M 864.9M
Working Capital i 636.1M 574.1M 119.1M 101.7M 1.1B

Balance Sheet Composition

Star Housing Finance Cash Flow Statement From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Operating Activities
Net Income i 141.9M 114.7M 80.2M 13.2M 21.8M
Depreciation & Amortization i - - - - -
Stock-Based Compensation i - - - - -
Working Capital Changes i -465.6M 146.2M 72.3M -97.9M -128.2M
Operating Cash Flow i -323.7M 260.9M 152.4M -84.7M -106.4M
Investing Activities
Capital Expenditures i 539.0K -18.6M -24.7M -3.5M -5.1M
Acquisitions i - - - - -
Investment Purchases i -7.9M -125.1M -76.8M -67.0M -35.0M
Investment Sales i 47.0M - - - -
Investing Cash Flow i 39.6M -143.7M -101.4M -70.5M -40.1M
Financing Activities
Share Repurchases i - - - - -
Dividends Paid i -24.0K -109.0K - -105.0K -4.0M
Debt Issuance i - - - - -
Debt Repayment i - - - - -
Financing Cash Flow i 10.1M 184.0M 360.7M 80.8M -4.0M
Free Cash Flow i -652.5M -1.3B -1.1B -66.4M -95.2M
Net Change in Cash i -274.0M 301.2M 411.7M -74.4M -150.4M

Cash Flow Trend

Star Housing Finance Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 17.47
Price to Book 0.98
Price to Sales 4.18
PEG Ratio -0.29

Profitability Ratios

Profit Margin 23.80%
Operating Margin 21.56%
Return on Equity 7.71%
Return on Assets 2.00%

Financial Health

Current Ratio 1.61
Debt to Equity 283.41
Beta -0.55

Per Share Data

EPS (TTM) ₹1.03
Book Value per Share ₹18.35
Revenue per Share ₹5.09

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
starhfl 1.7B 17.47 0.98 7.71% 23.80% 283.41
Bajaj Housing 921.1B 40.47 4.60 10.84% 65.11% 411.53
LIC Housing Finance 314.7B 5.62 0.85 14.97% 65.45% 722.14
Repco Home Finance 24.3B 5.16 0.70 14.48% 57.32% 326.14
Pacheli Industrial 20.0B 75.41 2.41 -0.59% 80.65% 312.01
GIC Housing Finance 9.4B 7.30 0.48 8.16% 44.89% 445.36

Financial data is updated regularly. All figures are in the company's reporting currency.