Flash Finance

Star Housing Finance Ltd539017Bank / NBFC

Housing Finance Company Latest results: Dec 2025 13 quarters of data
₹7.75
MCap ₹46 Cr · P/E 7.0
Star Housing Finance Ltd — Stock analysis & AI research Star Housing Finance Ltd — Live exchange announcements
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹26 Cr
Interest Earned · Dec 2025
+7.4% YoY
—
Operating Profit · Dec 2025
₹0 Cr
Net Profit · Dec 2025
-76.0% YoY
₹0.03
EPS · Dec 2025
-80.0% YoY
1.84%
Gross NPA % · Dec 2025
1.49%
Net NPA % · Dec 2025

📝 Star Housing Finance Ltd — results explained

Quarter ended December 2025 (Q3 FY26)

Star Housing Finance Ltd reported total income of ₹26 crore for the quarter ended December 2025 (Q3 FY26), up 10.0% from ₹23 crore in the same quarter last year, and up 2.7% sequentially over the September 2025 quarter.

Of this, interest earned contributed ₹26 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹14 crore) worked out to ₹12 crore.

Net profit fell 76.0% year-on-year to ₹0 crore, from ₹2 crore. Earnings per share (EPS) came in at ₹0.03.

On asset quality, gross NPA stood at 1.84% and net NPA at 1.49% (gross NPA was 1.74% a year ago).

Full year and trailing twelve months

For the full year FY26, Star Housing Finance Ltd posted total income of ₹73 crore, a decline of 23.4% over FY25, with a net profit of ₹4 crore (down 67.0% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹101 crore with a net profit of ₹7 crore.

Valuation snapshot

At the current price of ₹7.75, 539017 has a market capitalisation of ₹46 crore and a trailing P/E of about 7.0.

Within the Housing Finance Company industry, it is the 2nd-largest of the 5 companies we track by market value.

Shareholding pattern

As of Mar 2026, promoters held 17.58%, foreign institutional investors (FIIs) 0.00%, domestic institutional investors (DIIs) 0.08%, public shareholders 82.33% of Star Housing Finance Ltd.

Promoter holding slipped from 17.65% to 17.58% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹46 Cr
Current Price ?
₹7.8
P/E ?
6.98below ind
Industry P/E ?
55.50
P/B ?
0.32
P/S ?
0.46
P/FCF ?
-0.71
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.04
Earnings Yield ?
14.3%
Dividend Yield ?
1.29%
Profitability & Returns
Total Income (TTM) ?
₹101 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹7 Cr
EPS (TTM) ?
₹1.11
ROCE ?
N/A
ROE ?
4.5%
ROA ?
1.2%
Gross NPA % ?
1.84%
Net NPA % ?
1.49%
Growth
Total Income — latest qtr ?
₹26 Cr
PAT — latest qtr ?
₹0 Cr
YoY qtr sales growth ?
10.0%
YoY qtr profit growth ?
-76.0%
Sales growth (3y) ?
70%
Sales growth (5y) ?
42%
Profit growth (3y) ?
161%
Profit growth (5y) ?
17%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
17.58%
Change in promoter holding ?
-0.86%
Pledged percentage ?
N/A
Market
Return 3 months ?
3.7%
Return 6 months ?
-35.6%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Dec bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025 YoY % QoQ %
Interest Earned 10121214161619222428222526 +7.4% +2.7%
Other Income 01000321-10000 +100.0% —
Total Income 10121214161921232328222526 +10.0% +2.7%
Interest Expended 34578810111213131414 +12.2% -1.6%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax 3222344434221 -69.7% -67.1%
Net Profit 2322333323120 -76.0% -72.6%
EPS 0.140.190.110.150.180.200.220.220.150.210.100.130.03 -80.0% -76.9%
Gross NPA % 2.15% 1.68% 1.56% 1.46% 1.64% 1.50% 1.57% 1.56% 1.74% 1.84% 1.65% 1.65% 1.84% — —
Net NPA % 1.65% 1.25% 1.13% 1.08% 1.24% 1.02% 1.12% 1.09% 1.25% 1.40% 1.13% 1.16% 1.49% — —
Capital Adequacy Ratio — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹93 Cr ₹73 Cr ₹100 Cr -21.4%
Other Income ₹2 Cr ₹0 Cr ₹0 Cr -100.0%
Total Income ₹95 Cr ₹73 Cr ₹101 Cr -23.4%
Interest Expended ₹46 Cr ₹40 Cr ₹53 Cr -13.2%
Net Interest Income ₹46 Cr ₹32 Cr ₹47 Cr -29.6%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹14 Cr ₹5 Cr ₹9 Cr -65.9%
Tax — — — —
Net Profit ₹11 Cr ₹4 Cr ₹7 Cr -67.0%
EPS ₹0.80 ₹0.26 ₹0.47 -67.5%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Sep 2025 % Chg
Equity Capital 39393939 +0.0%
Reserves 6894104107 +2.9%
Borrowing 162320404392 -3.0%
Other Liabilities 1737717 +142.9%
Total Liabilities 286490555555 +0.0%
Fixed Assets 3334 +33.3%
CWIP 1200 —
Investments 78810 +25.0%
Other Assets 274477544542 -0.4%
Total Assets 286490555555 +0.0%

💧 Cash Flow (latest 4 periods)

Metric Mar 2022Mar 2023Mar 2024Mar 2025 % Chg
Cash from Operating Activity -6-111-129-65 +49.6%
Cash from Investing Activity -7-10-144 +128.6%
Cash from Financing Activity 2212017685 -51.7%
Net Cash Flow 9-13323 -30.3%
Free Cash Flow -7-114-131-65 +50.4%
CFO/OP -82%-614%-345%-109% +68.4%

➗ Ratios (latest 4 periods)

Metric Mar 2022Mar 2023Mar 2024Mar 2025 % Chg
ROE % 1%8%7%8% +14.3%

👥 Shareholding (latest 4 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026 % Chg
Promoters 18.44%18.36%17.65%17.58% -0.4%
FIIs 0.00%0.00%0.00%0.00% —
DIIs 0.08%0.08%0.08%0.08% +0.0%
Public 81.48%81.55%82.27%82.33% +0.1%
No. of Shareholders 9,19310,15710,63710,839 +1.9%

⚖️ Peer comparison

Industry: Housing Finance Company · 5 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 523465 Ind Bank ₹64.44 50 10.4 — 4 — — — 70.0% — 68.5%
2 539017 539017 — 46 — 101 7 0.0% 6.6% -23.4% -67.0% 10.0% -76.0%
3 530979 India Home ₹33.43 45 345.3 13 0 -1.8% 1.1% 8.1% -67.9% -42.1% 521.0%
4 511533 Sahara Housingfina ₹42.12 27 98.0 7 0 30.6% 4.2% -17.1% -46.9% -5.4% -21.0%
5 530537 Manraj Housing ₹35.59 17 — — -0 — — — -238.2% — 88.0%
❓ Frequently asked questions
What was Star Housing Finance Ltd's total income in Q3 FY26?
Star Housing Finance Ltd reported total income of ₹26 crore for the quarter ended December 2025 (Q3 FY26), up 10.0% from ₹23 crore in the same quarter last year, and up 2.7% sequentially over the September 2025 quarter.
What was Star Housing Finance Ltd's net profit in Q3 FY26?
Net profit fell 76.0% year-on-year to ₹0 crore, from ₹2 crore. Earnings per share (EPS) came in at ₹0.03.
What is 539017's market capitalisation and P/E ratio?
At the current price of ₹7.75, 539017 has a market capitalisation of ₹46 crore and a trailing P/E of about 7.0.
What are Star Housing Finance Ltd's NPA levels?
On asset quality, gross NPA stood at 1.84% and net NPA at 1.49% (gross NPA was 1.74% a year ago).
Who owns Star Housing Finance Ltd? (shareholding pattern)
As of Mar 2026, promoters held 17.58%, foreign institutional investors (FIIs) 0.00%, domestic institutional investors (DIIs) 0.08%, public shareholders 82.33% of Star Housing Finance Ltd.
TTM ends 2025-12-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI