Recent Price Movement and Trading Activity
On 21 Nov 2025, SRG Housing Finance recorded its lowest price in the past year at Rs.254.15. This level represents a notable drop from its 52-week high of Rs.414.65. Over the last three trading sessions, the stock has experienced a cumulative return of -9.33%, indicating sustained selling pressure. The day’s trading saw the stock touch an intraday high of Rs.265.50, which was 2.91% above the closing price, but it ultimately settled near the low point.
Trading activity has been somewhat erratic, with the stock not trading on two days out of the last twenty sessions. This irregularity may have contributed to volatility in price discovery. Additionally, SRG Housing Finance is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling a persistent downward trend in the short to long term.
Market Context and Sector Comparison
While SRG Housing Finance has been under pressure, the broader market has shown relative resilience. The Sensex opened lower at 85,347.40, down by 285.28 points or 0.33%, and was trading at 85,377.50 at the time of reporting, representing a decline of 0.3%. Despite this minor setback, the Sensex remains close to its 52-week high of 85,801.70, just 0.5% away, and is trading above its 50-day moving average, which itself is positioned above the 200-day moving average. This indicates a generally bullish market environment contrasting with the performance of SRG Housing Finance.
In comparison to the Sensex’s 10.64% return over the past year, SRG Housing Finance’s stock has shown a negative return of -20.90%, highlighting its underperformance relative to the benchmark index. This divergence emphasises challenges specific to the company or sector rather than broad market weakness.
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Financial Performance and Valuation Metrics
SRG Housing Finance has reported positive results for nine consecutive quarters, with quarterly net sales reaching a peak of Rs.47.81 crores. The company’s PBDIT (Profit Before Depreciation, Interest and Taxes) also attained a high of Rs.29.29 crores in the latest quarter, while PBT less other income stood at Rs.9.68 crores. These figures indicate operational profitability despite the stock’s price decline.
The company’s return on equity (ROE) averaged 13.64% over the long term, which is considered modest within the housing finance sector. The most recent ROE figure stands at 9.7%, reflecting a slight moderation. Valuation metrics show the stock trading at a price-to-book value of 1.5, which is lower than the average historical valuations of its peers, suggesting a discounted market valuation relative to sector counterparts.
Despite the stock’s negative return of -20.90% over the past year, the company’s profits have shown a 13% rise during the same period. This disparity is reflected in a PEG ratio of 5.5, indicating that the stock price has not aligned with earnings growth.
Shareholding and Market Capitalisation
The majority shareholding of SRG Housing Finance remains with the promoters, maintaining a stable ownership structure. The company holds a market capitalisation grade of 4, reflecting its standing within the housing finance sector and broader market.
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Comparative Performance and Sector Positioning
Over the last three years, SRG Housing Finance has underperformed the BSE500 index across multiple time frames, including the one-year and three-month periods. This consistent underperformance relative to a broad market index highlights challenges in maintaining competitive returns within the housing finance sector.
The stock’s current price level at Rs.254.15 is significantly below its 52-week high of Rs.414.65, underscoring the extent of the decline. The sector itself has experienced mixed performance, with some peers maintaining steadier valuations and returns.
SRG Housing Finance’s trading below all major moving averages further emphasises the subdued momentum in its share price. This technical positioning often reflects investor caution and a lack of upward price catalysts in the near term.
Summary of Key Price and Market Indicators
To summarise, SRG Housing Finance’s stock has:
- Reached a 52-week low of Rs.254.15 on 21 Nov 2025
- Experienced a three-day cumulative return of -9.33%
- Traded below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages
- Underperformed the Sensex, which has gained 10.64% over the past year
- Reported positive quarterly financial results with rising profits
- Maintained a price-to-book value of 1.5, lower than peer averages
These factors collectively illustrate the current market environment for SRG Housing Finance, characterised by price weakness despite underlying profitability and sector activity.
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