MarketFriction

Sahara Housing Fina Corporation Ltd

BSE 511533 · Housing Finance Company
₹37.35 -1.97%
BSE close2026-10-01
Market cap₹27.6 Cr.
P/E92.1

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales2.732.472.702.282.112.082.151.751.821.711.871.66
Expenses1.221.101.161.081.181.281.221.011.381.111.301.11
Operating Profit1.511.371.541.200.930.800.930.740.440.600.570.55
OPM %55.31%55.47%57.04%52.63%44.08%38.46%43.26%42.29%24.18%35.09%30.48%33.13%
Other Income0.000.000.000.000.000.000.010.000.000.000.000.00
Interest0.950.900.880.860.660.590.570.400.410.400.410.28
Depreciation0.120.120.100.090.090.100.100.090.080.080.080.10
Profit before tax0.440.350.560.250.180.110.270.25-0.050.120.080.17
Tax %20.45%37.14%21.43%4.00%38.89%0.00%22.22%12.00%-40.00%25.00%12.50%0.00%
Net Profit0.360.220.450.230.100.110.200.21-0.030.090.070.17
EPS in Rs0.510.310.640.330.140.160.290.30-0.040.130.100.24
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales14.4013.5913.6416.3514.5613.4212.6711.2010.638.627.177.06
Expenses4.675.325.454.765.025.085.124.114.674.784.814.90
Operating Profit9.738.278.1911.599.548.347.557.095.963.842.362.16
OPM %67.57%60.85%60.04%70.89%65.52%62.15%59.59%63.30%56.07%44.55%32.91%30.59%
Other Income0.000.000.000.000.000.000.000.000.000.010.000.00
Interest6.795.275.067.696.215.244.884.523.672.671.621.50
Depreciation0.060.050.060.510.550.520.490.490.440.380.340.34
Profit before tax2.882.953.073.392.782.582.182.081.850.800.400.32
Tax %34.72%33.22%16.29%23.30%25.18%18.60%17.89%32.21%23.78%20.00%12.50%
Net Profit1.881.982.572.612.082.091.781.421.400.650.340.30
EPS in Rs2.692.833.673.732.972.992.542.032.000.930.490.43
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth-7%-12%-14%-13%
Compounded Profit Growth-16%-30%-38%-52%
Stock Price CAGR-7%-4%-20%-15%
Return on Equity4%2%2%1%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital7.007.007.007.007.007.007.007.007.007.007.007.00
Reserves24.6526.5328.5131.0835.8037.8940.0141.8443.2844.7245.3945.81
Borrowings124.70106.74103.6596.6587.9273.5462.6359.7149.0745.4222.3613.36
Other Liabilities6.163.984.142.9711.125.102.402.091.461.080.932.72
Total Liabilities162.51144.25143.30137.70141.84123.53112.04110.64100.8198.2275.6868.89
Fixed Assets0.600.540.501.022.202.181.961.651.401.040.922.65
CWIP0.000.000.000.000.000.000.000.000.000.000.000.00
Investments0.090.030.030.020.020.010.020.020.030.030.030.03
Other Assets161.82143.68142.77136.66139.62121.34110.06108.9799.3897.1574.7366.21
Total Assets162.51144.25143.30137.70141.84123.53112.04110.64100.8198.2275.6868.89
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity29.4412.661.47-2.17-6.0729.976.863.1010.423.8324.3111.56
Cash from Investing Activity0.773.15-0.6412.85-0.130.00-0.01-0.14-0.28-0.09-0.26-2.08
Cash from Financing Activity-16.36-17.96-3.09-7.00-0.44-24.47-10.48-4.10-11.11-4.15-23.48-9.38
Net Cash Flow13.85-2.15-2.263.68-6.645.49-3.63-1.14-0.98-0.400.570.10
Free Cash Flow29.4312.661.32-2.62-6.2029.976.852.9610.133.7424.059.48
CFO/OP233%139%28%-18%-46%321%90%52%149%65%633%490%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days3.984.312.692.940.000.000.000.000.000.000.000.00
Inventory Days
Days Payable
Cash Conversion Cycle3.984.312.692.940.000.000.000.000.000.000.000.00
Working Capital Days72.08142.70149.33165.37-229.72-102.28-44.06-29.38-16.620.3411.86-66.69
ROCE %7.89%6.52%5.88%5.94%8.35%7.22%6.86%6.47%6.35%5.62%4.04%2.87%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters71.35%71.35%71.35%71.35%71.35%71.35%71.35%71.35%71.35%71.35%71.35%71.35%
Public28.65%28.65%28.64%28.64%28.64%28.65%28.65%28.64%28.65%28.65%28.65%28.65%
No. of Shareholders6,0746,0906,1016,4106,7086,7536,6906,6236,6286,6846,5806,521

Fundamentals

Market Cap₹ 27.6 Cr.
Current Price₹ 39.5
Stock P/E92.1
Book Value₹ 75.4
ROCE2.87 %
ROE0.65 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)-13%
Compounded Profit Growth (TTM)-52%
Standalone figures.
Valuation
Market capRs 26 Cr
Enterprise valueRs 33 Cr
P/E (TTM)87.15x
Price to book0.50x
Price to sales3.70x
EV / EBITDA15.22x
EV / EBIT18.06x
EV / sales4.66x
Price to cash flow2.26x
Earnings yield1.15%
P/E, 3-year average45.63x
P/B, 3-year average0.51x
P/E, 5-year average34.90x
P/B, 5-year average0.55x
Profitability
Operating margin (excl. other income)32.91%
Operating margin (incl. other income)32.91%
EBITDA margin30.59%
Pre-tax margin4.53%
Net profit margin4.25%
Net margin, latest quarter10.24%
ROE0.65%
ROCE2.87%
ROA0.47%
ROE, 3-year average1.55%
ROCE, 3-year average4.17%
ROA, 3-year average0.87%
ROE, 5-year average2.24%
ROCE, 5-year average5.07%
ROA, 5-year average1.11%
ROIC (approx.)2.68%
Tax rate12.50%
Growth
Sales growth (latest year)-16.82%
Profit growth (latest year)-47.69%
Sales CAGR, 3 years-13.81%
Sales CAGR, 5 years-11.78%
Profit CAGR, 3 years-37.90%
Profit CAGR, 5 years-30.45%
Sales growth QoQ-11.23%
Profit growth QoQ142.86%
Sales growth YoY (latest quarter)-5.14%
Profit growth YoY (latest quarter)-19.05%
Per share
EPS (TTM)Rs 0.43
EPS (latest year)Rs 0.49
EPS (latest quarter)Rs 0.24
EPS, 3-year averageRs 1.14
EPS, 5-year averageRs 1.60
Book value per shareRs 75.44
Sales per shareRs 10.09
Cash flow per shareRs 16.51
Free cash flow per shareRs 13.54
Efficiency
Asset turnover0.10x
Fixed asset turnover2.71x
Cash conversion cycle0 days
Working capital days-67 days
Leverage
Total debtRs 13 Cr
Cash and bankRs 7 Cr
Net debtRs 7 Cr
Debt to equity0.25x
Net debt / EBITDA3.11x
Interest coverage1.21x
Owners' fund to total sources76.66%
Debt to assets19.39%
Cash flow
Cash from Operating Activity (latest year)Rs 12 Cr
Cash from Investing Activity (latest year)Rs -2 Cr
Cash from Financing Activity (latest year)Rs -9 Cr
Net Cash Flow (latest year)Rs 0 Cr
Free cash flow (latest year)Rs 9 Cr
FCFE (approx.: FCF + change in debt)Rs 0 Cr
Cash from ops / profit, 5 years9.52x
Sales to cash flow0.62x
Statement figures
Net sales (TTM)Rs 7 Cr
Net sales (latest year)Rs 7 Cr
Sales (latest quarter)Rs 2 Cr
Operating profit excl. other income (latest year)Rs 2 Cr
Operating profit (latest quarter)Rs 1 Cr
EBITDA (TTM)Rs 2 Cr
PBDT (TTM)Rs 1 Cr
Profit before tax (TTM)Rs 0 Cr
Tax (latest year)Rs 0 Cr
Net profit (TTM)Rs 0 Cr
Net profit (latest year)Rs 0 Cr
Net profit (latest quarter)Rs 0 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 2 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 5 Cr
Total income (latest year)Rs 7 Cr
Share capitalRs 7 Cr
ReservesRs 46 Cr
Shareholders' fundsRs 53 Cr
Total assetsRs 69 Cr
Net blockRs 3 Cr
InvestmentsRs 0 Cr
Other liabilitiesRs 3 Cr
Shares outstanding (crore)0.70
Ownership
Promoter holding71.35% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 87.2 is at the 97th percentile of its own 9.4-year range (median 18.4, low 5.6, high 93.3).
P/B 0.50 is at the 12th percentile (median 0.64).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
Period511533Nifty 50Difference
1 week-2.0%-2.8% +0.8 pts
1 month-4.1%-6.8% +2.7 pts
3 months-4.2%-7.6% +3.4 pts
3 years-49.5%+14.2% -63.7 pts
5 years-23.3%+27.9% -51.2 pts

Red flags

F-score 5 of 8
explainLow interest cover Interest cover 1.2x in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Sales ₹2 Cr -5.1% vs Jun 2025. Net profit ₹0 Cr -19.0%.

Activity

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No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of Sahara Housing Fina Corporation Ltd?

Sahara Housing Fina Corporation Ltd (511533) has a market capitalisation of Rs 27.6 Cr. at the 2026-10-01 close.

What is the P/E ratio of Sahara Housing Fina Corporation Ltd?

Sahara Housing Fina Corporation Ltd trades at a P/E of 92.1 on trailing twelve-month profit, at the 2026-10-01 close.

What were Sahara Housing Fina Corporation Ltd's latest quarterly results?

In the Jun 2026 quarter, Sahara Housing Fina Corporation Ltd sales was Rs 2 Cr (-5.1% vs Jun 2025) and net profit was Rs 0 Cr.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03