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Discovery themes featuring this stockBearish
3
Neutral
6
Bullish
5
Bearish
35
Neutral
6
Bullish
5
Bearish
32
Neutral
0
Bullish
0
Star Housing Finance Ltd (STARHFL) is currently trading at 4.87 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Star Housing Finance Limited is an affordable housing finance company focused on EWS/LIG/MIG home loans, operating from a Mumbai corporate office with 35+ points of presence across six states; as of Dec 31, 2025 AUM stood at Rs.569.86 crore with 5,500+ live accounts and an average loan size around Rs.10 lakh. The company has undergone a clear professionalisation since 2019: migration from BSE SME to Main Board, relocation of corporate office to Mumbai, expansion to a 250+ employee base, induction of ex‑NHB/LIC/IDBI professionals on the board and cumulative net worth strengthening to ~Rs.147 crore through capital infusion and PAT accretion. Asset quality shows resilience for a fast‑growing affordable housing lender: GNPA at 1.84% and NNPA at 1.49% as of Dec 31, 2025, with management stating provisions and write‑offs provide full coverage on GNPA. Historical GNPA improved from near 3% in FY21-22 to current levels, indicating underwriting stability during scale‑up. Funding and profitability metrics reflect growth phase dynamics: borrowings increased to ~Rs.400 crore with a diversified lender base including NHB and SBI, net interest income at Rs.31.25 crore for 9M FY25‑26 and PBT of Rs.4.84 crore for 9M FY25‑26; margin and finance cost pressures are evident as finance cost rose year‑on‑year. Concentration and product mix remain notable: retail lending accounts for 99% of portfolio, 95% of loans are up to Rs.25 lakh and Maharashtra constitutes 70% of AUM; while this focus supports deep expertise in target segments, it represents regional concentration risk that management needs to mitigate as scale continues.
Over the past 52 weeks, Star Housing Finance Ltd has traded between a low of ₹3.67 and a high of ₹23.01. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Star Housing Finance Ltd has a market capitalization of approximately 39.48. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Star Housing Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 5.95 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 39.48 Cr, Star Housing Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Star Housing Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Star Housing Finance Ltd is 5.95. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The company said it had identified potential external auditors but paused the appointment based on instructions from its Board and Management, after the NHB snap audit review began.
Promoter shareholding is reported at 17.50% as of the Jun 2026 quarter, and the provided text also states it stands at 17.5% as of 08-2026.
‘IND D’ is a default-grade rating by India Ratings, indicating the instrument is in default or expected to default, reflecting very high credit risk.
Bassinvictus proposed a ₹200 crore equity infusion under a Letter of Intent, with an intention to acquire a majority stake and buy shares from promoters and ARKFIN via secondary purchase.
Discovery themes featuring this stock
Star Housing Finance Limited is an affordable housing finance company focused on EWS/LIG/MIG home loans, operating from a Mumbai corporate office with 35+ points of presence across six states; as of Dec 31, 2025 AUM stood at Rs.569.86 crore with 5,500+ live accounts and an average loan size around Rs.10 lakh.
The company has undergone a clear professionalisation since 2019: migration from BSE SME to Main Board, relocation of corporate office to Mumbai, expansion to a 250+ employee base, induction of ex‑NHB/LIC/IDBI professionals on the board and cumulative net worth strengthening to ~Rs.147 crore through capital infusion and PAT accretion.
Asset quality shows resilience for a fast‑growing affordable housing lender: GNPA at 1.84% and NNPA at 1.49% as of Dec 31, 2025, with management stating provisions and write‑offs provide full coverage on GNPA. Historical GNPA improved from near 3% in FY21-22 to current levels, indicating underwriting stability during scale‑up.
Funding and profitability metrics reflect growth phase dynamics: borrowings increased to ~Rs.400 crore with a diversified lender base including NHB and SBI, net interest income at Rs.31.25 crore for 9M FY25‑26 and PBT of Rs.4.84 crore for 9M FY25‑26; margin and finance cost pressures are evident as finance cost rose year‑on‑year.
Concentration and product mix remain notable: retail lending accounts for 99% of portfolio, 95% of loans are up to Rs.25 lakh and Maharashtra constitutes 70% of AUM; while this focus supports deep expertise in target segments, it represents regional concentration risk that management needs to mitigate as scale continues.
Finance
Housing Finance Company
39 Cr
Low Risk
6.0
18.1
0.0
0.3
23.01
3.67
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
1.81 | 87 Cr | 3.61 | 0.00 | 0.00 | 7.65 | 25.35 | 1529.75 | ||
47.20 | 47 Cr | 12.10 | 0.00 | 0.00 | 0.07 | -0.46 | 19.85 | ||
32.16 | 46 Cr | 328.07 | 1.11 | 0.00 | 0.23 | 8.78 | 0.14 | ||
5.00 | 39 Cr | 5.95 | 0.27 | 2.00 | 5.59 | 11.56 | 1.20 | ||
38.20 | 27 Cr | 89.27 | 0.51 | 0.00 | 0.65 | 3.04 | 0.44 | ||
34.00 | 17 Cr | -100.00 | 0.00 | 0.00 | 22.75 | -0.92 | -0.87 | ||
— | 0 Cr | 0.04 | 0.00 | 0.00 | 3.70 | 4.76 | 3.39 | ||
| Median: 7 Co. | — | 33.08 | 39 Cr | 5.95 | 0.00 | 0.00 | 3.70 | 4.76 | 1.20 |
