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, representing a 3.85% drop during the trading session. The stock has been on a downward trajectory for the past two consecutive days, cumulatively recording a 5.46% return loss over this period. This underperformance is notable as it lagged behind its sector by 1.18% on the same day.

Trading activity for SRG Housing Finance has shown some irregularities recently, with the stock not trading on two separate days within the last 20 trading sessions. This erratic pattern may have contributed to the volatility observed in its price movements. Furthermore, the stock is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained downward momentum.

In contrast to SRG Housing Finance’s performance, the Sensex opened higher at 85,470.92 points, gaining 284.45 points or 0.33% at the start of the day. The benchmark index later traded at 85,305.95 points, maintaining a 0.14% gain and reaching a new 52-week high. The Sensex’s upward trend is supported by its position above the 50-day moving average, which itself is above the 200-day moving average, indicating a bullish market environment. Mega-cap stocks have been leading this rally, further emphasising the divergence from SRG Housing Finance’s current trend.

Over the past year, SRG Housing Finance’s stock has recorded a return of -20.66%, contrasting sharply with the Sensex’s 9.94% gain over the same period. The stock’s 52-week high was Rs.414.65, underscoring the extent of the recent decline. This performance places SRG Housing Finance among the underperformers within the housing finance sector and the broader market.

Several financial metrics provide insight into the company’s valuation and profitability. The average Return on Equity (ROE) for SRG Housing Finance stands at 13.64%, with the most recent ROE reported at 9.7%. The stock’s Price to Book Value ratio is 1.5, indicating a valuation premium relative to its peers’ historical averages. Despite the negative stock returns, the company’s profits have shown a 13% rise over the past year. However, the Price/Earnings to Growth (PEG) ratio is 5.7, suggesting a valuation that may not be fully aligned with earnings growth.

SRG Housing Finance’s long-term performance has also been below par. The stock has underperformed the BSE500 index over the last three years, one year, and three months, reflecting persistent challenges in maintaining competitive returns. This trend is consistent with the recent downward price movement and the stock’s position below key moving averages.

Despite the stock’s recent price decline, SRG Housing Finance has reported positive financial results for nine consecutive quarters. The company’s quarterly net sales reached a peak of Rs.47.81 crores, while Profit Before Depreciation, Interest and Taxes (PBDIT) hit Rs.29.29 crores. Additionally, Profit Before Tax excluding other income (PBT less OI) was recorded at Rs.9.68 crores in the latest quarter. These figures indicate ongoing revenue generation and profitability at the operational level.

The company’s shareholding structure remains concentrated, with promoters holding the majority stake. This ownership pattern is typical for housing finance companies and may influence strategic decisions and governance.

In summary, SRG Housing Finance’s stock has experienced a notable decline to its 52-week low of Rs.260.05 amid a market environment where the broader indices are performing strongly. The stock’s valuation metrics, recent price trends, and comparative performance against benchmarks highlight the challenges faced by the company in maintaining investor confidence and market position.

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