SRG Housing Finance Quarterly Results

Pros & Cons

POSITIVES

Consistent growth in net interest income over the last three quarters, indicating robust lending practices.
Improved asset quality ratios suggest effective management of non-performing assets, enhancing overall stability.
Increased return on equity in the latest quarter shows efficient use of shareholders' funds.

NEGATIVES

Declining net profit margin in the latest quarter raises concerns about cost management.
High operating expenses compared to previous quarters may impact long-term profitability.
Lower growth rate in loan disbursements signals potential challenges in market demand.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	30.22	31.74	36.15	33.77	36.06	38.94	42.75	41.72
Expenses	13.12	13.07	13.69	14.03	14.92	16.51	16.59	16.75
Financing Profit	17.10	18.67	22.46	19.74	21.15	22.44	26.16	24.97
Other Income	0.98	0.47	0.41	0.21	0.78	1.30	0.74	0.98
Depreciation	1.31	1.58	1.71	1.52	1.62	1.71	1.79	1.44
Profit Before Tax	6.59	6.70	7.61	6.88	8.33	7.17	7.67	7.85
Tax	1.32	1.38	1.52	1.02	1.73	1.43	1.48	1.07
Net Profit	5.26	5.32	6.08	5.86	6.60	5.74	6.19	6.78
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0