Star Housing Finance Ltd
STARHFLBSE
₹4.25▲ +0.08 (+1.92%)
Whole company worth₹34 Cr
Price for ₹1 of profit₹3.0
1-year range₹4 – ₹17
The short version
A thinly profitable lender — priced low for what it earns.
What Star Housing Finance does
Incorporated in 2005, Star Housing Finance Ltd provides loans for the purchase, construction, development and repair of houses, apartments and commercial properties in India
Worked out from Star Housing Finance's own filed results and exchange data, in plain words. Where a finance term matters, we say what it means.
01What does it do?
Star Housing Finance is a micro-sized company in housing finance.
Incorporated in 2005, Star Housing Finance Ltd provides loans for the purchase, construction, development and repair of houses, apartments and commercial properties in India
- Whole company is worth
- ₹34 crore
- Shareholders
- 10,837 people
- Listed since
- 2015
A very small company by stock-market value — prices can swing hard and trading can be thin.
03Does it make money?
Out of every ₹100 it brings in, it keeps ₹12 as profit.
Here is where the money from Star Housing Finance's income went in FY25, the latest full year it has reported.
₹34
₹50
₹12
- ₹34Running the businessstaff, branches, technology and provisions for bad loans
- ₹50Interest it pays depositors and lendersa lender's biggest cost — the price of the money it lends on
- ₹0.9Wear and tearmachines, stores and buildings losing value over time
- ₹3.3Taxincome tax paid to the government
- ₹12Profit it keepswhat is left for the company's owners
On the money its owners have put in
It earns ₹8 a year on every ₹100 its owners have invested.
Bank FD ~₹6–7
₹8
₹0₹10₹20₹30₹40
That figure is called return on equity (ROE). Under ₹12 is a thin return for the risk of owning shares. For comparison, a bank fixed deposit pays roughly ₹6–7.
04Is the price high or low?
You pay ₹3.0 for every ₹1 of profit it makes in a year.
This is the P/E ratio: share price divided by a year's profit per share. A P/E of 3.0 means buyers are paying for about 3.0 years of today's profit up front.
The share price over the past year
It is 75% below its highest price of the past year and 16% above its lowest.
05Who owns it?
Its founders and parent group own just 18 of every 100 shares.
If the company were split into 100 equal shares, this is who would hold them. 10,837 people and institutions hold its shares.
As filed for the quarter ending 30 Jun 2026. Arrows show the change since the quarter before, in percentage points.
06What is going well, and what to watch
One thing going well, two things worth watching.
Picked out of the numbers above by fixed rules — the same rules for every company — so nothing here is somebody's opinion.
Going well
- Pays a dividend of about 2.0% of its share price each year.
Worth watching
- Thinly traded — only about ₹3 lakh of shares change hands a day, so buying or selling can move the price.
- The share price is 75% below its high of the past year.
07What happened lately?
Latest quarter: income up 7%, profit down 76%.
Oct–Dec 2025 is the most recent quarter it has reported. Each figure is compared with the same three months a year earlier, because many businesses sell more in some seasons than others.
Income
₹26 Cr
▲ 7.4% on a year earlier
Profit
₹0.5 Cr
▼ 76.0% on a year earlier
No notable developments in the last few weeks.
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Ten years of statements, quarterly results, peers side by side, technical indicators, analyst estimates, bulk deals and filings.
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This page describes Star Housing Finance using its reported figures and exchange data. It is for information only and is not investment advice or a recommendation to buy, sell or hold. DocStoX is not a SEBI-registered investment adviser or research analyst.
Star Housing Finance Ltd (STARHFL): company summary
Annual net profit rose 26.9% to ₹9 crore, but the latest quarter net profit fell 76.0% to ₹0 crore.
Star Housing Finance Ltd (STARHFL) is a micro-cap Financial Services company valued at ₹34 crore operating in Housing Finance on the NSE and BSE.
- Recent price move
- Star Housing Finance Ltd last traded at ₹4.25, modestly up 1.92% on the day.
- Recent developments
- On 2026-06-30, promoter holding decreased by 0.09 percentage points to 17.50%. On 2025-12-31, the company reported a net profit of ₹0 crore, a sharp drop from ₹2 crore in the same quarter a year earlier.
- Financial performance
- Annual net profit rose 26.9% to ₹9 crore, but the latest quarter net profit fell 76.0% to ₹0 crore. The net profit margin remained at 15.2%, while return on equity declined to 6.7%.
- Valuation multiples
- The stock trades at 3.0 times earnings, a discount to the Financial Services median of 19.3, 0.27 times book value. It yields 2.0%.
- Things to watch
- The company is highly leveraged with debt to equity at 2.41. The latest quarter net profit fell 76.0% to ₹0 crore. The stock is 75.1% below its 52-week high.
- Where it stands
- Star Housing Finance Ltd ended the latest quarter with a net profit of ₹0 crore, a significant drop from ₹2 crore in the same quarter a year earlier. The stock is 75.1% below its 52-week high.
Summarised by DocStoX's model on 2026-10-18 from company filings, exchange data and news. This is a factual summary, not a rating or a recommendation. Informational only, not investment advice. Consult a SEBI-registered adviser before investing.
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Star Housing Finance Ltd peers in Financial Services
Other Financial Services stocks on the NSE & BSE. See the full Financial Services sector list.
HDFC Bank LimitedICICI Bank LimitedState Bank of IndiaBajaj Finance LimitedLife Insurance Corporation Of IndiaKotak Mahindra Bank LimitedAxis Bank LimitedBajaj Finserv LimitedShriram Finance LimitedSBI Life Insurance Company LimitedJio Financial Services LimitedPunjab National Bank
Compare Star Housing Finance Ltd with peers
Star Housing Finance Ltd vs HDFC Bank LimitedStar Housing Finance Ltd vs ICICI Bank LimitedStar Housing Finance Ltd vs State Bank of IndiaStar Housing Finance Ltd vs Bajaj Finance LimitedStar Housing Finance Ltd vs Life Insurance Corporation Of IndiaStar Housing Finance Ltd vs Kotak Mahindra Bank Limited
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