Sahara Housingfina Corporation Ltd (SAHARAHOUS)

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Sahara Housingfina Corporation Ltd (SAHARAHOUS) · mywealthgrid

About

Sahara Housingfina Corporation Ltd operates in Housing Finance Company within the Financials sector.

Face value: ₹10

Market cap

₹26 Cr

P/E

12.3×

P/B

0.5×

Dividend yield

ROE

2.7%

ROCE

—

Debt / equity

0.4

OPM

56%

EPS (TTM)

₹3.0

Book value

₹74.8

52-week high

—

52-week low

—

2,147 historical price candles were omitted because the exchange source has not been verified.

₹37.4-1.8%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 56%
+High promoter holding of 71.4% with no pledge

Cons

−Low return on equity of 3.1% (3-yr avg)
−Profit declined 8.1% a year over the last 5 years
−Revenue shrank over the last 5 years (-3.1% a year)
−Weak interest coverage of 1.5×

Research score

Structured signal from quality, growth, valuation and momentum.

46/100

Business quality: 46
Growth: 0
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Bajaj Housing Finance LimitedBAJAJHFLBAJAJHFL	₹69,083 Cr	₹1,72,787 Cr	₹11,606 Cr	₹10,596 Cr	90.9%	₹2,692 Cr	23%	—	12.1%	—
Pnb Housing Finance LimitedPNBHOUSINGPNBHOUSING	₹28,458 Cr	₹99,656 Cr	₹8,692 Cr	₹8,177 Cr	94.5%	₹2,315 Cr	26.9%	—	12.7%	—
Lic Housing Finance LimitedLICHSGFINLICHSGFIN	₹28,000 Cr	₹3,05,356 Cr	₹28,683 Cr	₹27,081 Cr	93.6%	₹5,739 Cr	19.4%	—	14.4%	—
Aadhar Housing Finance LimitedAADHARHFCAADHARHFC	₹19,609 Cr	₹38,352 Cr	₹3,817 Cr	₹2,908 Cr	76.4%	₹1,141 Cr	29.8%	—	15.8%	—
Sammaan Capital LimitedSAMMAANCAPSAMMAANCAP	₹15,388 Cr	₹66,991 Cr	₹7,418 Cr	₹3,373 Cr	41.6%	₹-7,236 Cr	-87.5%	—	-35%	—
Home First Finance Company India LimitedHOMEFIRSTHOMEFIRST	₹11,764 Cr	₹22,354 Cr	₹1,999 Cr	₹1,571 Cr	78.9%	₹581 Cr	28.2%	—	15.7%	—
Aptus Value Housing Finance India LimitedAPTUSAPTUS	₹11,338 Cr	₹19,212 Cr	₹2,306 Cr	₹1,906 Cr	83.4%	₹985 Cr	42%	—	20.1%	—
Can Fin Homes LimitedCANFINHOMECANFINHOME	₹9,471 Cr	₹47,728 Cr	₹4,292 Cr	₹3,953 Cr	92.1%	₹1,130 Cr	25.8%	—	19.7%	—
Aavas Financiers LimitedAAVASAAVAS	₹9,444 Cr	₹21,780 Cr	₹2,018 Cr	₹1,484 Cr	73.5%	₹491 Cr	24.3%	—	13.9%	—
India Shelter Finance Corporation LimitedINDIASHLTRINDIASHLTR	₹7,031 Cr	₹13,277 Cr	₹1,528 Cr	₹1,110 Cr	72.6%	₹503 Cr	32.9%	—	17%	—
Repco Home Finance LimitedREPCOHOMEREPCOHOME	₹2,114 Cr	₹14,320 Cr	₹1,819 Cr	₹1,612 Cr	89.3%	₹482 Cr	26.5%	—	12.7%	—
Gic Housing Finance LimitedGICHSGFINGICHSGFIN	₹716 Cr	₹9,767 Cr	₹1,084 Cr	₹895 Cr	79.1%	₹157 Cr	14.3%	—	7.6%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	13	12	13	12	13	13	12	11	11
Interest	—	5	5	5	6	5	5	5	4
Expenses	10	5	5	5	5	5	5	4	5
Financing profit	—	2	2	2	2	2	2	3	2
Financing margin %	—	13.4%	16.4%	17.5%	13.1%	18.7%	19.4%	23%	21.4%
Other income	2	1	1	1	2	1	0	0	0
Depreciation	—	—	0	0	1	1	0	0	0
Profit before tax	3	3	3	3	3	3	2	2	2
Tax	1	1	1	1	1	0	0	1	0
Tax %	34.7%	33.2%	16.3%	28.5%	25.1%	18.6%	18.4%	32.1%	24.3%
PAT	2	2	3	2	2	2	2	1	1
EPS (₹)	2.7	2.8	3.7	3	3	3	2.6	2	2
EPS adjusted (₹)	—	—	—	3	3	3	2.5	2	2
Annual report	Annual report for Mar 2016	Annual report for Mar 2017	Annual report for Mar 2018	Annual report for Mar 2019	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024

₹ Cr	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity capital	7	7	7	7	7	7	7
Reserves	33	38	40	42	43	45	45
	85	74	63	60	49	45	21
	14	5	2	2	1	1	2
Total equity & liabilities	140	124	112	111	101	98	76
	1	1	2	2	1	1	1
CWIP	—	—	0	0	0	0	—
Investments	0	0	0	0	0	0	0
	138	123	110	109	99	97	75
Total assets	140	124	112	111	101	98	76

₹ Cr	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-6	30	7	3	10	4	24
	-0	0	-0	-0	-0	-0	-0
	-0	-24	-10	-4	-11	-4	-23
Net cash flow	-7	5	-4	-1	-1	-0	1
Free cash flow	-6	30	7	3	10	4	—
CFO / Operating profit %	-84.1%	379.4%	91.1%	41.1%	147%	64.5%	—

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Margins
Gross margin %	—	—	—	—	—	—	—	—
EBITDA margin %	56.2%	56.6%	58.2%	61.2%	59.3%	58.7%	63.4%	56%
EBIT margin %	56.2%	56.2%	57.3%	56.9%	55.2%	54.8%	59%	51.8%
PAT margin %	16.1%	20.5%	17.2%	16.1%	16.5%	14.4%	12.7%	13.2%
Working capital
Receivable days	—	—	—	—	—	—	—	—
Inventory days	—	—	—	—	0	0	0	0
Payable days	—	—	—	—	—	—	—	—
NWC days	—	—	—	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—	—	—	—
Debt to EBITDA	—	—	11.78	9.31	8.32	8.2	6.92	7.65
Debt to equity	—	—	2.12	1.64	1.33	1.22	0.98	0.88
Interest coverage	1.6	1.6	1.6	1.4	1.5	1.4	1.5	1.5
Asset turnover	—	—	0.09	0.1	0.11	0.11	0.11	0.11
Return ratios
Return on assets %	—	—	1.5%	1.7%	1.9%	1.6%	1.4%	1.4%
Return on capital employed %	—	—	—	—	—	—	—	—
Return on equity %	—	—	5.3%	4.6%	4.4%	3.6%	2.8%	2.7%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%
FII	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
DII	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%
No. of shareholders	—	—	—	—	—	—	—	—	6,628	6,684	6,580	6,521

Promoter holding up 0 percentage points since Sep 2023.

Mr. Awdhesh Kumar SrivastavaNon-Executive - Non Independent Director
Vivek KapoorChief Financial Officer
Mr. MadhukarNon-Executive - Independent Director
Mr. Sadhan SarkarNon-Executive - Independent Director
Mrs. Sudha SarowgiNon-Executive - Independent Director
D J BagchiChief Executive Officer & Company Secretary & Compliance Officer

Current officeholders as filed with BSE. A person holding two offices is listed once per office.

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in Sahara Housingfina Corporation Ltd. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Documents link to external sources (exchange filings, company investor pages).

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Events

Upcoming dates and the company’s corporate-action history.

1

Board meeting to consider results12 Aug 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

11 announcementsExport CSV

3 Sept 2026, 4:35 pmCompany Update

Announcement under Regulation 30 (LODR)-Change in Management

Change in Management PDF

14 Aug 2026, 10:55 amCompany Update

Announcement under Regulation 30 (LODR)-Press Release / Media Release

Press Release / Media Release PDF

16 Jul 2026, 3:45 pmCompany Update

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 PDF

Date	Category	Subject	Filing
3 Sept 2026, 4:35 pm	Company Update Change in Management	Announcement under Regulation 30 (LODR)-Change in Management	PDF
14 Aug 2026, 10:55 am	Company Update Press Release / Media Release	Announcement under Regulation 30 (LODR)-Press Release / Media Release

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Sahara Housingfina Corporation Ltd

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Annual reports

Events

1

Announcements

Not in the F&O segment

1

No fund holdings on record

Announcements

Annual reports

Compounded sales growth

Compounded profit growth

Return on equity

Sahara Housingfina Corporation Ltd

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Ratios

Ratio timeline

Shareholding

Quarterly record

Board and management

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Annual reports

Events

Board meetings1

Announcements

Ratio timeline

Quarterly record

Board and management

Not in the F&O segment

Board meetings1

No fund holdings on record

Announcements

Annual reports

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

1

1