Star Housing Finance Ltd. | Small-cap | Financial Services
₹25.09
2.16%
| 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: Mar 2025

Income Metrics

Revenue 189.4M
Gross Profit 13.4M 7.06%
Operating Income -20.2M -10.64%
Net Income 29.8M 15.73%

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

Metric20252024202320222021
Revenue i817.1M536.1M319.6M166.0M142.5M
Cost of Goods Sold i650.7M391.3M183.2M112.1M80.8M
Gross Profit i166.4M144.8M136.4M53.9M61.7M
Gross Margin % i20.4%27.0%42.7%32.4%43.3%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i-23.3M40.3M18.4M15.8M
Other Operating Expenses i97.7M28.5M24.1M10.8M5.7M
Total Operating Expenses i97.7M51.7M64.4M29.2M21.5M
Operating Income i73.4M53.4M35.6M-5.1M34.1M
Operating Margin % i9.0%10.0%11.1%-3.1%23.9%
Non-Operating Items
Interest Income i-22.4M14.5M16.2M12.8M
Interest Expense i-60.0K1.1M274.0K1.2M
Other Non-Operating Income-----
Pre-tax Income i141.9M114.7M80.2M13.2M21.8M
Income Tax i30.9M25.9M10.4M7.0M6.3M
Effective Tax Rate % i21.8%22.6%12.9%52.8%28.7%
Net Income i111.0M88.8M69.8M6.2M15.6M
Net Margin % i13.6%16.6%21.8%3.7%10.9%
Key Metrics
EBITDA i37.1M111.8M71.9M35.6M44.9M
EPS (Basic) i-₹1.14₹0.97₹0.10₹0.25
EPS (Diluted) i-₹1.11₹0.93₹0.10₹0.25
Basic Shares Outstanding i-77795590719985026402846262694000
Diluted Shares Outstanding i-77795590719985026402846262694000

Income Statement Trend

Star Housing Finance Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets
Cash & Equivalents i841.7M609.4M281.0M291.8M201.0M
Short-term Investments i199.2M75.3M40.7M48.5M35.0M
Accounts Receivable i-3.7M---
Inventory i-----
Other Current Assets-11.7M6.3M2.6M700.0K
Total Current Assets i5.2B1.7B706.5M450.4M1.2B
Non-Current Assets
Property, Plant & Equipment i12.0M1.3M763.0K1.6M11.4M
Goodwill i17.6M21.2M15.6M5.3M4.3M
Intangible Assets i-21.2M15.6M5.3M4.3M
Long-term Investments-----
Other Non-Current Assets17.3M2.7M6.3M1.8M3.2M
Total Non-Current Assets i331.3M3.2B2.1B1.1B78.9M
Total Assets i5.6B4.9B2.9B1.5B1.2B
Liabilities
Current Liabilities
Accounts Payable i-----
Short-term Debt i-749.6M421.5M241.8M222.0M
Current Portion of Long-term Debt-----
Other Current Liabilities--68.0K35.0K200.0K
Total Current Liabilities i-1.1B587.4M348.6M68.4M
Non-Current Liabilities
Long-term Debt i4.0B2.5B1.2B543.0M642.8M
Deferred Tax Liabilities i28.4M4.3M0--
Other Non-Current Liabilities5.3M-2.0K1.0K-1.0K-2.0K
Total Non-Current Liabilities i4.1B2.5B1.2B543.0M642.8M
Total Liabilities i4.1B3.6B1.8B891.6M711.3M
Equity
Common Stock i394.8M393.6M385.8M165.8M156.7M
Retained Earnings i-224.3M162.7M111.9M112.7M
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i1.4B1.3B1.1B641.0M536.4M
Key Metrics
Total Debt i4.0B3.2B1.6B784.8M864.9M
Working Capital i5.2B574.1M119.1M101.7M1.1B

Balance Sheet Composition

Star Housing Finance Cash Flow Statement From 2021 to 2025

Metric20252024202320222021
Operating Activities
Net Income i141.9M114.7M80.2M13.2M21.8M
Depreciation & Amortization i-----
Stock-Based Compensation i-----
Working Capital Changes i-465.6M146.2M72.3M-97.9M-128.2M
Operating Cash Flow i-323.7M260.9M152.4M-84.7M-106.4M
Investing Activities
Capital Expenditures i539.0K-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 i47.0M----
Investing Cash Flow i39.6M-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 i10.1M184.0M360.7M80.8M-4.0M
Free Cash Flow i-652.5M-1.3B-1.1B-66.4M-95.2M
Net Change in Cash i-274.0M301.2M411.7M-74.4M-150.4M

Cash Flow Trend

Star Housing Finance Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 17.92
Price to Book 1.37
Price to Sales 4.98

Profitability Ratios

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

Financial Health

Debt to Equity 283.41
Beta -0.43

Per Share Data

EPS (TTM) ₹1.40
Book Value per Share ₹18.35
Revenue per Share ₹5.09

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
starhfl2.0B17.921.377.71%23.80%283.41
Bajaj Housing 941.7B41.554.7210.84%22.78%410.52
LIC Housing Finance 311.2B5.660.8614.97%65.07%722.14
Repco Home Finance 23.2B4.990.6814.48%57.32%326.14
Pacheli Industrial 13.6B75.411.60-0.59%80.65%312.01
GIC Housing Finance 9.6B7.440.498.16%44.89%445.36

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