Srg Housing Finance Limited

High leverage with Debt-to-Equity of 2.89; verify loan loss coverage ratios, capital adequacy versus regulatory minimums, and stress-test scenarios for credit losses

Margin volatility: OPM ranges from 59.23% to 66.78% across quarters, indicating operational or mix sensitivity; verify drivers of quarterly swings and sustainability

Zero institutional holding (0% FII/DII) despite ₹418 Cr market cap; verify if regulatory barriers, valuation, or governance concerns limit institutional participation

Housing finance sector exposure to credit cycles and interest rate volatility; verify current NPA rates, disbursement trends, and portfolio concentration risk

Revenue growth of 30–50% year-on-year (₹41.72 Cr Jun 2025 → ₹53.95 Cr Jun 2026; ₹42.75 Cr Mar 2025 → ₹57.24 Cr Mar 2026); verify driver: loan book expansion, market share, or pricing

Net profit growing 25–50% year-on-year (₹6.78 Cr Jun 2025 → ₹8.47 Cr Jun 2026; ₹6.19 Cr Mar 2025 → ₹9.25 Cr Mar 2026) tracking revenue; verify if cost structure allows profit to expand faster than revenue as scale increases

Housing finance sector tailwind; verify if Indian housing credit is expanding faster than overall credit growth and whether company gains or loses market share