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Awaiting price reaction for this filing.
Sahara Housingfina Corporation, a housing finance NBFC, posted lower numbers for FY25 with total income falling to Rs 862.84 lakh from Rs 1,062.65 lakh in FY24, a decline of roughly 19%. Profit before tax more than halved to Rs 80.03 lakh (vs Rs 184.95 lakh), and net profit for the year dropped to Rs 64.84 lakh from Rs 140.45 lakh, bringing EPS down to Rs 0.93 from Rs 2.01. The company continued to shrink its loan book (housing and other loans fell to Rs 6,363 lakh from Rs 7,117 lakh) and aggressively deleveraged, repaying Rs 900 lakh under the first call of a Rs 3,000 lakh 7% secured NCD on March 28, 2025, and cutting other borrowings from Rs 1,541.59 lakh to Rs 136.31 lakh. Operating cash flow improved sharply to Rs 767.93 lakh (vs Rs 383.31 lakh), and the auditor (B.M. Chaturvedi & Co.) issued an unmodified opinion with no qualifications, emphasis of matter, or loan defaults. Related party transactions with Sahara group entities were disclosed.
Short-term negative on profitability as core interest income and PAT both fell over 50% YoY, but the deliberate deleveraging, clean audit, and absence of any debt default reduce balance-sheet risk and may improve investor confidence over time.