A small Kolkata-based housing finance company that earns revenue primarily from interest on its loan book. Total income for FY26 was ₹716.83 lakhs, of which interest income made up ₹712.14 lakhs, down from ₹858.09 lakhs in FY25 — a year-on-year drop of roughly 17%. The company is shrinking rather than growing, with revenue and profit both declining. Net profit after tax fell to ₹34.39 lakhs in FY26 from ₹64.84 lakhs in FY25, taking EPS to ₹0.49 from ₹0.93. Employee costs are its single largest expense at 42.1% of revenue, followed by other operating expenses at 25%. The loan book is funded in part through secured non-convertible debentures, and the company has been progressively redeeming these NCDs rather than issuing fresh debt. Some asset quality pressure emerged during 9M FY26, with an impairment loss provision of ₹7.62 lakhs versus a small reversal the year before. AR · MarketPing reader · 2026-08-03
Revenue streams, as the annual report describes them. Interest income from housing finance operations. Small, shrinking housing finance company with a declining loan book and progressive NCD redemption
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 12 | 11 | 11 | 9 | 7 |
| EBITDA (ex other income) | 7 | 7 | 6 | 4 | 2 |
| margin % | 58.7 | 63.4 | 56.1 | 44.6 | 32.8 |
| Owners' profit | 2 | 1 | 1 | 1 | 0 |
| EPS, as reported (₹) | 2.55 | 2.03 | 2.01 | 0.93 | 0.49 |
| ROE % · ROCE % | 3.7 · — | 2.8 · — | 2.7 · — | 1.2 · — | 0.7 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 3 | 10 | 4 | 24 | 12 |
| Capex | (0) | 0 | 0 | 0 | 0 |
| ₹ crore | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 0 | 0 | 0 | 0 | 0 | (0) | 0 | 0 |
| Net profit | 0 | 0 | 0 | 0 | 0 | (0) | 0 | 0 |
| EPS (₹) | 0.33 | 0.15 | 0.16 | 0.29 | 0.30 | (0.04) | 0.12 | 0.11 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ HOUSING FINANCE LTD | 70,078 | 34.6 | 3.11 | — | 11.4 | — | — | 92.4 |
| LIC HOUSING FINANCE LTD | 30,982 | 5.4 | 0.75 | 1.1 | 13.5 | — | 7.7 | 97.1 |
| PNB HOUSING FIN LTD. | 30,721 | 13.3 | 1.60 | 3.5 | 11.9 | — | 2.3 | 91.6 |
| AADHAR HOUSING FINANCE L | 19,978 | 17.4 | 2.65 | 6.9 | 14.5 | — | — | 75.4 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 7 Sept 2026 · Notice of 35th AGM published in newspapers for Sept 28, 2026 meeting | compliance | minimal | — | — |
| 4 Sept 2026 · Sahara Housingfina sends AGM notice links to shareholders without registered emails | compliance | minimal | — | — |
| 4 Sept 2026 · Sahara Housingfina 35th AGM notice - Sept 28, 2026 via video conferencing | board shareholder meetings | medium | — | — |
| 4 Sept 2026 · 35th Annual Report FY 2025-26 submitted to BSE | compliance | low | — | — |
| 3 Sept 2026 · CEO and Company Secretary of Sahara Housingfina passes away | management changes | critical | — | — |
| 14 Aug 2026 · Newspaper cuttings filed for Q1 FY26 unaudited results | compliance | minimal | — | — |
| 12 Aug 2026 · 35th AGM scheduled on Sep 28, 2026 via video conferencing | board shareholder meetings | low | — | — |
| 12 Aug 2026 · Sahara Housingfina Q1 FY27: Revenue Down 5%, PAT Falls | results | high | — | — |
| 12 Aug 2026 · Sahara Housingfina Q1 FY27 results: PAT declines to Rs 16.6 lakh | results | high | — | — |
| 5 Aug 2026 · Board meeting on 12 Aug 2026 to consider Q1 FY27 results | results | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| SAMMAAN CAPITAL LIMITED |
| 17,203 |
| — |
| 0.91 |
| — |
| (37.6) |
| — |
| (3.8) |
| 101.8 |
| HOME FIRST FIN CO IND LTD | 12,386 | 21.2 | 2.84 | — | 12.4 | — | — | 78.3 |
| APTUS VALUE HSG FIN I LTD | 12,360 | 12.5 | 2.44 | 6.3 | 18.6 | — | — | 83.7 |
| CAN FIN HOMES LTD | 10,400 | 9.2 | 1.74 | — | 18.2 | — | — | 91.3 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 80.6 | 13.3 | 16 of 17 | 6% |
| P/B | 0.5 | 1.4 | 3 of 16 | 87% |
| ROE | 0.7 | 11.6 | 16 of 20 | 21% |
| Debt / Equity | 0.0 | 0.0 | 3 of 20 | 0% |
| EBITDA margin | 30.4 | 74.7 | 17 of 19 | 11% |
| Revenue growth | (12.7) | 9.0 | 16 of 19 | 17% |
| Profit growth | (62.9) | 19.3 | 19 of 20 | 5% |
| Market cap | 27 | 7130 | 18 of 19 | 6% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
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