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Star Housing Finance (BSE 539017)₹4.04+1.76%Housing Finance Company
In the Dec 2025 quarter (standalone), Star Housing Finance reported revenue of ₹25.90 Cr, up 7.5% from Dec 2024, and net profit of ₹0.50 Cr, down 75.6% year on year. For the year to Mar 2025, revenue were ₹93.27 Cr and net profit ₹10.99 Cr.
Company filings, standalone accounts; latest reported quarter Dec 2025
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11.63 | 12.34 | 13.71 | 16.37 | 16.38 | 18.98 | 21.97 | 24.10 | 27.79 | 21.90 | 25.24 | 25.90 |
| Interest | 4.37 | 5.44 | 6.52 | 7.66 | 8.17 | 10.19 | 11.11 | 12.13 | 13.02 | 12.87 | 13.83 | 13.61 |
| Net interest income | 7.26 | 6.90 | 7.19 | 8.71 | 8.21 | 8.79 | 10.86 | 11.97 | 14.77 | 9.03 | 11.41 | 12.29 |
| Expenses | 6.15 | 4.63 | 4.79 | 5.40 | 6.84 | 6.68 | 7.38 | 8.63 | 10.76 | 6.95 | 8.58 | 11.03 |
| Financing Profit | 1.05 | 2.21 | 2.35 | 3.24 | 1.29 | 2.01 | 3.39 | 3.24 | 3.92 | 1.98 | 2.71 | 1.17 |
| Financing Margin % | 9.2% | 18.2% | 17.3% | 20.0% | 8.0% | 10.7% | 15.6% | 13.6% | 14.3% | 9.2% | 10.9% | 4.6% |
| Other Income | 0.91 | 0.00 | 0.00 | 0.00 | 3.00 | 2.04 | 0.72 | −0.54 | 0.17 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.09 | 0.13 | 0.16 | 0.19 | 0.20 | 0.18 | 0.19 | 0.18 | 0.29 | 0.23 | 0.42 | 0.43 |
| Profit before tax | 1.85 | 2.07 | 2.20 | 3.06 | 4.10 | 3.89 | 3.94 | 2.50 | 3.81 | 1.76 | 2.30 | 0.75 |
| Tax % | −40.9% | 24.9% | 6.3% | 17.9% | 33.4% | 22.5% | 22.2% | 18.7% | 22.1% | 21.4% | 22.5% | 36.8% |
| Net Profit | 2.61 | 1.56 | 2.08 | 2.53 | 2.75 | 3.01 | 3.07 | 2.05 | 2.97 | 1.37 | 1.80 | 0.50 |
| EPS (Rs) | 0.18 | 0.10 | 0.14 | 0.17 | 0.19 | 0.21 | 0.21 | 0.14 | 0.20 | 0.09 | 0.12 | 0.02 |
| Gross NPA % | 1.7% | 1.6% | 1.5% | 1.6% | 1.5% | 1.6% | 1.6% | 1.7% | 1.8% | 1.7% | 1.7% | 1.8% |
| Net NPA % | 1.3% | 1.1% | 1.1% | 1.2% | 1.0% | 1.1% | 1.1% | 1.3% | 1.4% | 1.1% | 1.2% | 1.5% |
| Provision coverage (approx., excl. write-offs) % | 25.6% | 27.6% | 26.0% | 24.4% | 32.0% | 28.7% | 30.1% | 28.2% | 23.9% | 31.5% | 29.7% | 19.0% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.01 | 3.01 | 3.01 | 7.02 | 12.04 | 16.07 | 16.06 | 19.06 | 35.10 | 59.18 | 93.27 | 101 |
| Interest | 0.00 | 0.00 | 0.00 | 1.99 | 4.99 | 4.99 | 4.99 | 5.99 | 10.99 | 27.97 | 45.97 | 53.33 |
| Net interest income | 2.01 | 3.01 | 3.01 | 5.03 | 7.05 | 11.08 | 11.07 | 13.07 | 24.11 | 31.21 | 47.30 | 47.50 |
| Expenses | 0.99 | 1.01 | 1.01 | 0.99 | 0.99 | 4.99 | 7.99 | 11.99 | 16.98 | 21.98 | 33.01 | 37.32 |
| Financing Profit | 0.99 | 1.99 | 1.99 | 3.98 | 5.98 | 5.98 | 1.99 | 0.99 | 5.97 | 8.96 | 12.95 | 9.78 |
| Financing Margin % | 49.1% | 63.1% | 63.1% | 57.1% | 51.1% | 39.1% | 15.1% | 5.0% | 18.1% | 16.1% | 14.1% | 9.7% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 2.01 | 2.99 | 1.99 | 0.17 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 1.01 | 1.37 |
| Profit before tax | 0.99 | 1.99 | 1.99 | 3.99 | 5.98 | 5.98 | 1.99 | 0.99 | 7.97 | 10.96 | 13.94 | 8.62 |
| Tax % | 31.9% | 30.9% | 32.9% | 27.9% | 31.0% | 17.9% | 27.9% | 52.9% | 13.0% | 22.9% | 21.9% | — |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.11 | — |
| Net Profit | 1.01 | 0.99 | 0.99 | 2.99 | 4.01 | 5.01 | 2.01 | 0.99 | 6.99 | 9.01 | 10.99 | 6.64 |
| EPS (Rs) | 0.07 | 0.13 | 0.16 | 0.33 | 0.47 | 0.44 | 0.13 | 0.04 | 0.50 | 0.62 | 0.78 | 0.43 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 3.0% | 15.0% | 53.0% | 6.0% | 0.0% | 7.0% | — |
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1.99 | 5.98 | 5.98 | 11.98 | 11.99 | 12.00 | 15.96 | 15.98 | 16.97 | 38.98 | 38.95 | 38.99 |
| Reserves | 8.00 | 9.00 | 11.01 | 6.01 | 11.04 | 18.07 | 37.07 | 38.15 | 48.16 | 68.25 | 94.41 | 104 |
| Borrowings | 2.99 | 2.99 | 0.99 | 6.97 | 29.90 | 41.89 | 37.86 | 63.73 | 77.71 | 161 | 319 | 403 |
| Other Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 2.01 | 0.00 | 0.99 | 7.04 | 10.95 | 17.08 | 37.18 | 7.03 |
| Total Liabilities | 12.98 | 17.97 | 17.98 | 24.96 | 53.94 | 72.96 | 90.88 | 125 | 153 | 286 | 490 | 555 |
| Fixed Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 1.01 | 2.01 | 2.01 | 3.01 | 3.01 | 3.01 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 2.01 | 0.00 |
| Investments | 0.99 | 0.99 | 0.99 | 0.99 | 0.99 | 3.99 | 3.99 | 3.99 | 8.99 | 6.99 | 7.98 | 7.99 |
| Other Assets | 11.99 | 16.98 | 16.99 | 23.97 | 52.95 | 67.96 | 85.88 | 120 | 143 | 274 | 477 | 544 |
| Trade receivables | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash & equivalents | 0.99 | 4.01 | 0.00 | 1.99 | 0.99 | 3.01 | 0.99 | 23.99 | 34.02 | 41.01 | 86.01 | 104 |
| Total Assets | 12.98 | 17.97 | 17.98 | 24.96 | 53.94 | 72.96 | 90.88 | 125 | 153 | 286 | 490 | 555 |
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | −4.99 | −0.99 | −1.99 | −2.99 | −21.98 | −13.99 | −10.99 | −8.99 | −5.99 | −111 | −129 | −64.93 |
| Cash from investing activity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −3.99 | −6.99 | −9.99 | −13.98 | 3.99 |
| Cash from financing activity | 5.99 | 4.99 | −0.99 | 4.99 | 20.95 | 15.97 | 8.98 | 31.97 | 21.98 | 120 | 176 | 84.81 |
| Net cash flow | 0.99 | 2.99 | −3.99 | 1.99 | −0.99 | 1.99 | −1.99 | 18.97 | 8.99 | −0.99 | 32.94 | 22.94 |
| Capex | 0.00 | 0.03 | 0.45 | 0.05 | 0.02 | 0.00 | 0.24 | 0.50 | 0.34 | 2.46 | 1.85 | 0.00 |
| Free cash flow | −4.99 | −0.99 | −2.99 | −2.99 | −21.98 | −13.97 | −10.99 | −9.98 | −6.99 | −114 | −131 | −64.87 |
| CFO / OP % | −577.0% | −79.0% | −81.1% | −83.1% | −371.0% | −118.0% | −83.0% | −113.1% | −82.1% | −614.0% | −345.1% | −109.1% |
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 5.0% | 5.0% | 7.0% | 8.1% | 14.1% | 15.1% | 12.0% | 3.0% | 1.0% | 8.1% | 7.0% | 8.0% |
For the Dec 2025 quarter, Star Housing Finance reported revenue of ₹25.90 Cr, up 7.5% year on year and net profit of ₹0.50 Cr, down 75.6% year on year.
Star Housing Finance's revenue for the year to Mar 2025 were ₹93.27 Cr; over the last twelve months they were ₹101 Cr.
Net profit for the year to Mar 2025 was ₹10.99 Cr, and ₹6.64 Cr over the last twelve months. Earnings per share over the same trailing period were ₹0.43.
Cash from operations was −₹64.93 Cr in the year to Mar 2025; after capital spending, free cash flow was −₹64.87 Cr.