Srg Housing Finance L

SRGHFL NSE Financial Services Housing Finance Company
₹156.00
-20.00%
Delayed · cached 15 min

Fair value analysis

SRGHFL
Srg Housing Finance L
Financial ServicesHousing Finance Company
₹195.00
Close used for this calculation
₹345.88Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
55/100
Profitability21/25
Returns9/25
Balance Sheet3/25
Efficiency22/25
Growth17/25
Good
Quality radar
55Prof.21/25Ret.9/25Eff.22/25B.Sht3/25Growth17/25

Consensus fair value

₹345.88
Below FV
▲ +77.4% against the close used
Model range ₹275.18 – ₹793.46
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹275.18Fair value₹345.88Bull₹793.46
FairClose
52-week traded range
52W low ₹195.0052W high ₹320.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Srg Housing Finance L closed at ₹195.00, 43.6% below the consensus fair value of ₹345.88 drawn from 8 valuation models.

Financial DNA score 55/100 — Good. P/E of 7.2x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹410.68
+110.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹341.15
+74.9%
√(22.5 × EPS × BVPS)
EPS=20.69, BVPS=250
Graham Formula
₹793.46
+306.9%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=16.4%, FD=7%
P/E Fair Value
₹275.18
+41.1%
EPS × 13.3x (sector P/E)
EPS=20.69, Sector P/E=13.3x
Peter Lynch (PEG)
₹339.32
+74.0%
EPS × Growth% (PEG = 1 is fair)
EPS=20.69, g=16.4%
Book Value (P/B)
₹350.00
+79.5%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=250, ROE=11.6%, g=6%, r=10%
Reverse DCF
₹195.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -3.1% | Historical: 16.4%
Margin of Safety
₹341.34
+75.0%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=455.12, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.