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SRG Housing Finance Limited Q4 FY25 earnings call summary

NSE: SRGHFL · BSE: 534680

Earnings call of 5 May 2025, summarised by AI from the filing.

SRG Housing Finance met its FY25 AUM target of ₹759 cr and guides FY26 AUM above ₹1,000 cr.

Key takeaways

  1. Change ROA fell to 3.17% from 3.56% due to higher equity.
  2. Driver Branch expansion to 90 and new geographies drive disbursements.
  3. Risk Competition in housing finance, though rural areas have less competition.

Original filing on BSE

SRG Housing Finance Limited Q1 FY27 results

As filed: Revenue ₹54.0 cr (+28% year on year), EBITDA ₹35.1 cr (+40% year on year), PAT ₹8.5 cr (+21% year on year), EBITDA margin 65.0% (+544 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹57.2 cr (+33% year on year), EBITDA ₹35.6 cr (+37% year on year), PAT ₹9.3 cr (+54% year on year), EBITDA margin 62.2% (+175 bps). Score 91 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 175 bps year on year. Revenue rose ₹14.2 cr on a year ago, more than the ₹7.0 cr it added the year before. Share price after the results: −6.7% in 30 days (Nifty 500: −3.8%).
  • Q3 FY26: Revenue ₹50.5 cr (+29% year on year), EBITDA ₹31.2 cr (+25% year on year), PAT ₹8.2 cr (+37% year on year), EBITDA margin 61.9% (−220 bps). Score 82 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin fell 220 bps year on year. Revenue rose ₹11.5 cr on a year ago, more than the ₹7.0 cr it added the year before. Share price after the results: −5.7% in 28 days (Nifty 500: −4.0%).
  • Q2 FY26: Revenue ₹48.0 cr (+33% year on year), EBITDA ₹29.0 cr (+21% year on year), PAT ₹8.0 cr (+14% year on year), EBITDA margin 60.4% (−625 bps). Score 71 of 100, Above trend. Revenue and EBITDA growth were well above the company's own trend; profit growth was in line with it. EBITDA margin fell 625 bps year on year. Profit lagged EBITDA because of depreciation, interest or other income, not the business. Share price after the results: −3.6% in 30 days (Nifty 500: +0.2%).
  • Q1 FY26: Revenue ₹42.0 cr (+24% year on year), EBITDA ₹25.0 cr (+9% year on year), PAT ₹7.0 cr (+17% year on year), EBITDA margin 59.5% (−812 bps). Score 48 of 100, In line with trend. EBITDA margin fell 812 bps year on year. Tax rate 13%. Not enough history for a trend yet: scored on growth alone. Share price after the results: −5.9% in 30 days (Nifty 500: +2.8%).
  • Q4 FY25: Revenue ₹43.0 cr (+19% year on year), EBITDA ₹26.0 cr (+8% year on year), PAT ₹6.0 cr (0% year on year), EBITDA margin 60.5% (−620 bps). Score 43 of 100, In line with trend. EBITDA margin fell 620 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +3.6% in 30 days (Nifty 500: +3.5%).
  • Q3 FY25: Revenue ₹39.0 cr (+22% year on year), EBITDA ₹25.0 cr (+14% year on year), PAT ₹6.0 cr (+20% year on year), EBITDA margin 64.1% (−465 bps). Score 54 of 100, In line with trend. EBITDA margin fell 465 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 14% from last quarter.
  • Q2 FY25: Revenue ₹36.0 cr (+20% year on year), EBITDA ₹24.0 cr (+20% year on year), PAT ₹7.0 cr (+40% year on year), EBITDA margin 66.7% (0 bps). Score 68 of 100, Above trend. EBITDA margin was flat year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

SRG Housing Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.