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Latest filing: 2026-08-14 10:55
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Sahara Housingfina Q1 FY27 Results: Revenue at ₹1.87 Cr, PAT Drops 66% YoY to ₹0.07 Cr
Sahara Housingfina Corporation reported a marginal 6.8% YoY increase in total income to ₹1.87 crore for the quarter ended June 30, 2026. However, net profit experienced a sharp decline of 66%, falling to ₹0.07 crore from ₹0.21 crore in the corresponding quarter of the previous year. The company's scale remains extremely small with TTM revenue at just ₹7 crore against a market capitalization of ₹28 crore. The high P/E of 81.3 reflects a significant valuation premium despite stagnant earnings growth.
Confidence: HIGH
What changedThe company has published its unaudited financial results for the first quarter of FY2026-27, showing a significant drop in bottom-line performance despite stable revenue.
Why it mattersFor a micro-cap housing finance company, consistent profitability is key to maintaining investor interest; a 66% drop in PAT on a small base indicates rising costs or narrowing interest spreads.
Q1 FY27 Revenue: ₹1.87 CrQ1 FY27 PAT: ₹0.07 CrYoY PAT Growth: -66.6%TTM Revenue vs Market Cap: 25%P/E Ratio: 81.3
📅 Short termThe sharp decline in quarterly profit is likely to weigh on the stock price in the near term, given the already high valuation multiples.
📈 Long termThe company's long-term outlook remains constrained by its small scale and lack of significant growth in its housing finance book over recent quarters.
⚠ Risk flags
- Significant decline in quarterly profitability
- High valuation (P/E 81.3) relative to growth
- Small scale of operations (TTM Revenue ₹7 Cr)
Key Highlights
Total income from operations for Q1 FY27 stood at ₹1.87 crore, compared to ₹1.75 crore in Q1 FY26.
Net profit for the quarter ended June 30, 2026, was ₹0.07 crore, a 66.6% decrease from ₹0.21 crore YoY.
Earnings Per Share (EPS) for the quarter declined to ₹0.10 from ₹0.30 in the year-ago period.
Total Comprehensive Income for the period was reported at ₹0.07 crore, matching the net profit figure.
The company maintains a small loan-related operation with TTM revenue representing approximately 25% of its market cap.
👀 What to Watch
Investors should monitor the company's ability to scale its loan book and improve operating margins, as current profitability is insufficient to support its high P/E valuation. Watch for any updates regarding capital infusion or strategic shifts to address the stagnant growth.
Rs 0.17 Cr Net Profit for Q1 FY27, Down 22% YoY
Sahara Housingfina Corporation reported a 5.3% YoY decline in total income to Rs 1.66 cr for the quarter ended June 30, 2026. Net profit decreased to Rs 0.17 cr from Rs 0.21 cr in the corresponding quarter last year, primarily due to stagnant interest income. Finance costs saw a notable reduction of 31.7% YoY to Rs 0.28 cr, while employee expenses remained the largest cost head at Rs 0.70 cr. The company remains a micro-cap entity with a very small operational scale relative to its net worth.
Confidence: HIGH
What changedThe company released its unaudited financial results for the first quarter of FY27, showing a slight contraction in both revenue and profitability compared to the previous year.
Why it mattersFor a micro-cap company with a market cap of only Rs 28 cr, these results confirm a period of stagnant growth and low return on capital (ROCE 2.9%), which may limit valuation re-rating.
Revenue (Q1 FY27): Rs 1.65 crNet Profit (Q1 FY27): Rs 0.17 crYoY Revenue Growth: -5.3%EPS (Q1 FY27): Rs 0.24Finance Costs (Q1 FY27): Rs 0.28 cr
📅 Short termThe stock is likely to remain range-bound given the small absolute profit figures and lack of immediate growth catalysts.
📈 Long termLimited structural significance unless the company significantly expands its lending operations or improves its ROCE from the current 2.9%.
⚠ Risk flags
- Stagnant revenue growth
- High P/E ratio (81.2) relative to low earnings growth
- Micro-cap liquidity risk
Key Highlights
Total Income for Q1 FY27 decreased to Rs 1.66 cr from Rs 1.75 cr in Q1 FY26
Net Profit after tax fell 21.9% YoY to Rs 0.17 cr
Finance costs reduced significantly to Rs 27.53 lakhs from Rs 40.34 lakhs YoY
Employee benefit expenses stood at Rs 69.79 lakhs, accounting for 47% of total expenses
Company reported zero defaults on loans or debt securities as of June 30, 2026
👀 What to Watch
Monitor the company's loan book growth and interest margins, as the current quarterly revenue of ~Rs 1.65 cr is low for a housing finance company with a Rs 53 cr net worth.
Sahara Housingfina Q1 PAT at ₹0.17 Cr, down 19% YoY; Revenue dips to ₹1.65 Cr
Sahara Housingfina reported a 5.7% YoY decline in total income to ₹1.66 cr for the quarter ended June 2026. Net profit fell 19% YoY to ₹0.17 cr, although it showed a sequential recovery from the ₹0.07 cr reported in the March 2026 quarter. Expenses were managed down to ₹1.48 cr from ₹1.79 cr in the previous quarter, primarily due to lower finance costs. The company remains a micro-cap with a market capitalization of just ₹27 cr and very low operational scale.
Confidence: HIGH
What changedThe company released its unaudited financial results for the first quarter of FY2026-27, showing a year-on-year contraction in both top and bottom lines.
Why it mattersThe results highlight the company's stagnant growth profile and small operational base, which makes it highly sensitive to fixed costs like employee benefits.
Revenue (Q1 FY27): ₹1.65 crPAT (Q1 FY27): ₹0.17 crRevenue vs TTM Revenue: 23.6%YoY Revenue Growth: -5.7%QoQ PAT Growth: 123.1%
📅 Short termThe stock is likely to remain range-bound given the small absolute profit figures and low trading liquidity typical of a ₹27 cr market cap company.
📈 Long termLimited structural significance unless the company undergoes a major capital infusion or strategic shift to grow its loan portfolio beyond current levels.
⚠ Risk flags
- Extremely small scale of operations
- High employee costs relative to revenue
- Declining year-on-year revenue trend
Key Highlights
Total revenue from operations decreased to ₹1.65 cr from ₹1.75 cr in the same quarter last year.
Net profit for the period stood at ₹16.60 lakhs, a 19% decline compared to ₹21.26 lakhs in June 2025.
Finance costs were reduced by 31.7% YoY to ₹27.53 lakhs from ₹40.34 lakhs.
Employee benefit expenses remained high relative to revenue at ₹69.79 lakhs, representing 42% of total income.
👀 What to Watch
Monitor the company's ability to scale its loan book, as current quarterly revenues of ~₹1.6 cr are extremely low for a housing finance company and limit profitability.
