Sahara Housingfina Corporation Limited
Fundamental Score
Sahara Housingfina Corporation Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SAHARAHOUS across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (57.98%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Strong Cash Generation (₹47.73 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (71.35%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
14 factors identified
Below-Average Return on Equity (1.25%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (4.04%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Premium Valuation Risk (P/E: 60.56x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Profit Decline Concern (-130.00%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Revenue Contraction (-13.74%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Limited Growth History (-9.95% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Weak Earnings Growth (-20.76% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (-20.76% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Weak Interest Coverage (1.29x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Sahara Housingfina Corporation Limited
About SAHARAHOUS
Business Overview
Sahara Housingfina Corporation Limited provides housing finance for the purchase, construction, extension, repair, and renovation of houses to individuals and families in India. It provides individual housing, home improvement, home extension loan, land loans, mortgage loans, non residential property loans, home loan enhancement, and loan take over/balance transfer, as well as loans for families. The company was formerly known as Livewell Home Finance Limited and changed its name to Sahara Housingfina Corporation Limited in January 2005. Sahara Housingfina Corporation Limited was incorporated in 1991 and is based in Kolkata, India.
Company Details
Key Leadership
SAHARAHOUS Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Sahara Housingfina Corporation Limited (SAHARAHOUS)?
As of 29 Jan 2026, 10:34 am IST, Sahara Housingfina Corporation Limited (SAHARAHOUS) is currently trading at ₹39.10. The stock has a market capitalization of ₹29.67 (Cr).
Is SAHARAHOUS share price Overvalued or Undervalued?
SAHARAHOUS is currently trading at a P/E ratio of 60.56x, compared to the industry average of 18.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Sahara Housingfina Corporation Limited share price?
Key factors influencing SAHARAHOUS's price include its quarterly earnings growth (Sales Growth: -13.74%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Sahara Housingfina Corporation Limited a good stock for long-term investment?
Sahara Housingfina Corporation Limited shows a 5-year Profit Growth of -20.76% and an ROE of 1.25%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.44 before investing.
How does Sahara Housingfina Corporation Limited compare with its industry peers?
Sahara Housingfina Corporation Limited competes with major peers in the Housing Finance Company. Investors should compare SAHARAHOUS's P/E of 60.56x and ROE of 1.25% against the industry averages to determine its competitive standing.
What is the P/E ratio of SAHARAHOUS and what does it mean?
SAHARAHOUS has a P/E ratio of 60.56x compared to the industry average of 18.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹61 for every ₹1 of annual earnings.
How is SAHARAHOUS performing according to Bull Run's analysis?
SAHARAHOUS has a Bull Run fundamental score of 21.1/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SAHARAHOUS belong to?
SAHARAHOUS operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Sahara Housingfina Corporation Limited.
What is Return on Equity (ROE) and why is it important for SAHARAHOUS?
SAHARAHOUS has an ROE of 1.25%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Sahara Housingfina Corporation Limited generates profits from shareholders' equity.
How is SAHARAHOUS's debt-to-equity ratio and what does it indicate?
SAHARAHOUS has a debt-to-equity ratio of 0.44, which indicates moderate leverage that should be monitored. A ratio below 1.0 generally indicates conservative financing.
What is SAHARAHOUS's dividend yield and is it a good dividend stock?
SAHARAHOUS offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has SAHARAHOUS grown over the past 5 years?
SAHARAHOUS has achieved 5-year growth rates of: Sales Growth -9.95%, Profit Growth -20.76%, and EPS Growth -20.76%.
What is the promoter holding in SAHARAHOUS and why does it matter?
Promoters hold 71.35% of SAHARAHOUS shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SAHARAHOUS's market capitalization category?
SAHARAHOUS has a market capitalization of ₹30 crores, placing it in the Small-cap category.
How volatile is SAHARAHOUS stock?
SAHARAHOUS has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SAHARAHOUS?
SAHARAHOUS has a 52-week high of ₹N/A and low of ₹N/A.
What is SAHARAHOUS's operating profit margin trend?
SAHARAHOUS has a 5-year average Operating Profit Margin (OPM) of 57.98%, indicating the company's operational efficiency.
How is SAHARAHOUS's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -13.74% and YoY Profit Growth of -130.00%.
What is the institutional holding pattern in SAHARAHOUS?
SAHARAHOUS has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.