SRG Housing Finance Falls to 52-Week Low of Rs.260.05 Amid Market Pressure

On 20 Nov 2025, SRG Housing Finance’s stock price touched an intraday low of Rs.260.05, registering a fall of 3.85% during the trading session. The stock has been under pressure for the past two days, with cumulative returns declining by 5.46% over this period. This downward trend contrasts with the broader market, where the Sensex opened higher at 85,470.92 points, gaining 284.45 points or 0.33%, and was trading near a 52-week high of 85,305.95 points by mid-session.

SRG Housing Finance’s performance today underperformed its sector by 1.18%, indicating relative weakness compared to its housing finance peers. The stock’s trading activity has also been somewhat erratic, with no trades recorded on two of the last twenty trading days, suggesting intermittent liquidity or investor hesitation.

Technical indicators show the stock trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This positioning typically signals a bearish trend and may reflect sustained selling pressure over multiple time frames.

Over the past year, SRG Housing Finance’s stock has recorded a return of -20.66%, a stark contrast to the Sensex’s 9.94% gain during the same period. The stock’s 52-week high was Rs.414.65, highlighting the extent of the decline from its peak. This underperformance extends beyond the last year, with the stock lagging behind the BSE500 index over the last three years, one year, and three months.

From a valuation perspective, the company’s price-to-book value stands at 1.5, which is considered expensive relative to its peers’ historical averages. The company’s return on equity (ROE) averaged 13.64% over the long term, with the most recent figure at 9.7%. These metrics suggest a valuation premium despite subdued profitability metrics.

Financial results for SRG Housing Finance have shown some positive trends in recent quarters. The company has reported positive results for nine consecutive quarters, with quarterly net sales reaching a high of Rs.47.81 crores. Profit before depreciation, interest, and taxes (PBDIT) peaked at Rs.29.29 crores, while profit before tax excluding other income (PBT less OI) reached Rs.9.68 crores in the latest quarter. These figures indicate operational revenue growth and profitability at the quarterly level.

Despite these quarterly improvements, the stock’s overall market performance has not reflected these gains, as indicated by the negative returns and the recent 52-week low. The company’s price-earnings-to-growth (PEG) ratio stands at 5.7, which is relatively high and may signal that the market is pricing in slower growth or higher risk factors.

Majority ownership of SRG Housing Finance remains with the promoters, which can provide stability in governance but also concentrates control within a limited group of shareholders.

In comparison to the broader market, the Sensex is currently exhibiting bullish characteristics, trading above its 50-day moving average, which itself is positioned above the 200-day moving average. Mega-cap stocks are leading the gains, contributing to the Sensex’s 0.14% rise today. This divergence between SRG Housing Finance’s performance and the overall market trend highlights sector-specific or company-specific factors influencing the stock.

SRG Housing Finance’s recent price action and valuation metrics suggest that the stock is navigating a challenging phase. The combination of a premium valuation, subdued long-term returns, and trading below key technical levels has culminated in the stock reaching its lowest price point in the past year. While quarterly financials show some strength, the market’s response has been cautious, as reflected in the stock’s price trajectory.

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