| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 2 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |
Growth YoY Revenue Growth YoY% | 2.3 | -7.8 | -12.3 | -16.2 | -22.4 | -15.8 | -20.7 | -23.3 | -13.7 | -17.8 | -12.6 | -5.7 |
Interest Expended Interest ExpendedCr | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
Expenses ExpensesCr | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
FPM FPM% | 20.6 | 19.0 | 24.4 | 14.5 | 12.8 | 10.1 | 16.8 | 19.4 | 1.1 | 11.1 | 8.6 | 16.4 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Growth YoY PAT Growth YoY% | -18.2 | -18.5 | 87.5 | -39.5 | -72.2 | -50.0 | -55.6 | -8.7 | -130.0 | -18.2 | -65.0 | -19.1 |
NPM NPM% | 13.2 | 8.9 | 16.7 | 10.1 | 4.7 | 5.3 | 9.3 | 12.0 | -1.6 | 5.3 | 3.7 | 10.3 |
| 0.5 | 0.3 | 0.6 | 0.3 | 0.1 | 0.2 | 0.3 | 0.3 | 0.0 | 0.1 | 0.1 | 0.2 |
| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 2 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |
Growth YoY Revenue Growth YoY% | 2.3 | -7.8 | -12.3 | -16.2 | -22.4 | -15.8 | -20.7 | -23.3 | -13.7 | -17.8 | -12.6 | -5.7 |
Interest Expended Interest ExpendedCr | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
Expenses ExpensesCr | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
FPM FPM% | 20.6 | 19.0 | 24.4 | 14.5 | 12.8 | 10.1 | 16.8 | 19.4 | 1.1 | 11.1 | 8.6 | 16.4 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Growth YoY PAT Growth YoY% | -18.2 | -18.5 | 87.5 | -39.5 | -72.2 | -50.0 | -55.6 | -8.7 | -130.0 | -18.2 | -65.0 | -19.1 |
NPM NPM% | 13.2 | 8.9 | 16.7 | 10.1 | 4.7 | 5.3 | 9.3 | 12.0 | -1.6 | 5.3 | 3.7 | 10.3 |
| 0.5 | 0.3 | 0.6 | 0.3 | 0.1 | 0.2 | 0.3 | 0.3 | 0.0 | 0.1 | 0.1 | 0.2 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 13 | 12 | 13 | 13 | 13 | 13 | 12 | 11 | 11 | 9 | 7 | 7 |
Growth Revenue Growth% | -26.4 | -3.6 | 2.0 | 6.9 | -3.9 | -1.6 | -2.4 | -9.7 | -5.2 | -18.9 | -16.9 | -12.8 |
Interest Expended Interest ExpendedCr | 7 | 5 | 5 | 8 | 6 | 5 | 5 | 5 | 4 | 3 | 2 | 2 |
Expenses ExpensesCr | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 4 | 5 | 5 | 5 | 5 |
| 1 | 2 | 2 | 1 | 2 | 2 | 2 | 3 | 2 | 1 | 1 | 1 | |
FPM FPM% | 10.3 | 14.0 | 16.4 | 7.3 | 13.1 | 18.7 | 19.4 | 22.9 | 21.5 | 13.6 | 10.2 | 9.1 |
| 2 | 1 | 1 | 3 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 1 | 0 | 0 |
| 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | |
PAT PATCr | 2 | 2 | 3 | 3 | 2 | 2 | 2 | 1 | 1 | 1 | 0 | 0 |
Growth PAT Growth% | -14.0 | 4.9 | 30.3 | 1.3 | -20.4 | 0.8 | -14.7 | -20.7 | -0.8 | -53.8 | -47.0 | -51.6 |
NPM NPM% | 14.7 | 16.0 | 20.5 | 19.4 | 16.1 | 16.5 | 14.4 | 12.7 | 13.2 | 7.5 | 4.8 | 4.3 |
| 2.7 | 2.8 | 3.7 | 3.7 | 3.0 | 3.0 | 2.5 | 2.0 | 2.0 | 0.9 | 0.5 | 0.4 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 13 | 12 | 13 | 13 | 13 | 13 | 12 | 11 | 11 | 9 | 7 | 7 |
Growth Revenue Growth% | -26.4 | -3.6 | 2.0 | 6.9 | -3.9 | -1.6 | -2.4 | -9.7 | -5.2 | -18.9 | -16.9 | -12.8 |
Interest Expended Interest ExpendedCr | 7 | 5 | 5 | 8 | 6 | 5 | 5 | 5 | 4 | 3 | 2 | 2 |
Expenses ExpensesCr | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 4 | 5 | 5 | 5 | 5 |
| 1 | 2 | 2 | 1 | 2 | 2 | 2 | 3 | 2 | 1 | 1 | 1 | |
FPM FPM% | 10.3 | 14.0 | 16.4 | 7.3 | 13.1 | 18.7 | 19.4 | 22.9 | 21.5 | 13.6 | 10.2 | 9.1 |
| 2 | 1 | 1 | 3 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 1 | 0 | 0 |
| 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | |
PAT PATCr | 2 | 2 | 3 | 3 | 2 | 2 | 2 | 1 | 1 | 1 | 0 | 0 |
Growth PAT Growth% | -14.0 | 4.9 | 30.3 | 1.3 | -20.4 | 0.8 | -14.7 | -20.7 | -0.8 | -53.8 | -47.0 | -51.6 |
NPM NPM% | 14.7 | 16.0 | 20.5 | 19.4 | 16.1 | 16.5 | 14.4 | 12.7 | 13.2 | 7.5 | 4.8 | 4.3 |
| 2.7 | 2.8 | 3.7 | 3.7 | 3.0 | 3.0 | 2.5 | 2.0 | 2.0 | 0.9 | 0.5 | 0.4 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
Reserves ReservesCr | 27 | 29 | 31 | 36 | 38 | 40 | 42 | 43 | 45 | 45 | 46 |
Borrowings BorrowingsCr | 107 | 104 | 97 | 88 | 74 | 63 | 60 | 49 | 45 | 22 | 13 |
Other Liabilities Other LiabilitiesCr | 4 | 4 | 3 | 11 | 5 | 2 | 2 | 1 | 1 | 1 | 3 |
Total Liabilities Total LiabilitiesCr | 144 | 143 | 138 | 142 | 124 | 112 | 111 | 101 | 98 | 76 | 69 |
| 1 | 1 | 1 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 3 | |
Cash Equivalents Cash EquivalentsCr | 21 | 21 | 12 | 22 | 21 | 20 | 21 | 23 | 24 | 9 | 7 |
Other Assets Other AssetsCr | 122 | 122 | 124 | 117 | 100 | 90 | 88 | 76 | 74 | 66 | 60 |
Total Assets Total AssetsCr | 144 | 143 | 138 | 142 | 124 | 112 | 111 | 101 | 98 | 76 | 69 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
Reserves ReservesCr | 27 | 29 | 31 | 36 | 38 | 40 | 42 | 43 | 45 | 45 | 46 |
Borrowings BorrowingsCr | 107 | 104 | 97 | 88 | 74 | 63 | 60 | 49 | 45 | 22 | 13 |
Other Liabilities Other LiabilitiesCr | 4 | 4 | 3 | 11 | 5 | 2 | 2 | 1 | 1 | 1 | 3 |
Total Liabilities Total LiabilitiesCr | 144 | 143 | 138 | 142 | 124 | 112 | 111 | 101 | 98 | 76 | 69 |
| 1 | 1 | 1 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 3 | |
Cash Equivalents Cash EquivalentsCr | 21 | 21 | 12 | 22 | 21 | 20 | 21 | 23 | 24 | 9 | 7 |
Other Assets Other AssetsCr | 122 | 122 | 124 | 117 | 100 | 90 | 88 | 76 | 74 | 66 | 60 |
Total Assets Total AssetsCr | 144 | 143 | 138 | 142 | 124 | 112 | 111 | 101 | 98 | 76 | 69 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 13 | 1 | -2 | -6 | 30 | 7 | 3 | 10 | 4 | 24 | 12 | |
| 3 | -1 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | |
| -18 | -3 | -7 | 0 | -24 | -10 | -4 | -11 | -4 | -23 | -9 | |
Net Cash Flow Net Cash FlowCr | -2 | -2 | 4 | -7 | 5 | -4 | -1 | -1 | 0 | 1 | 0 |
Free Cash Flow Free Cash FlowCr | 13 | 1 | -3 | -6 | 30 | 7 | 3 | 10 | 4 | 24 | 9 |
CFO To EBITDA CFO To EBITDA% | 957.8 | 85.0 | -105.4 | -616.8 | 1,778.2 | 287.9 | 129.1 | 406.3 | 168.0 | 2,077.9 | 1,592.8 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 13 | 1 | -2 | -6 | 30 | 7 | 3 | 10 | 4 | 24 | 12 | |
| 3 | -1 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | |
| -18 | -3 | -7 | 0 | -24 | -10 | -4 | -11 | -4 | -23 | -9 | |
Net Cash Flow Net Cash FlowCr | -2 | -2 | 4 | -7 | 5 | -4 | -1 | -1 | 0 | 1 | 0 |
Free Cash Flow Free Cash FlowCr | 13 | 1 | -3 | -6 | 30 | 7 | 3 | 10 | 4 | 24 | 9 |
CFO To EBITDA CFO To EBITDA% | 957.8 | 85.0 | -105.4 | -616.8 | 1,778.2 | 287.9 | 129.1 | 406.3 | 168.0 | 2,077.9 | 1,592.8 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 25 | 51 | 42 | 28 | 15 | 25 | 30 | 30 | 28 | 27 | 26 | 28 |
Price To Earnings Price To Earnings | 13.4 | 25.9 | 16.1 | 10.7 | 7.1 | 11.8 | 16.7 | 21.0 | 19.8 | 40.8 | 75.4 | 91.4 |
Price To Sales Price To Sales | 1.8 | 3.8 | 3.0 | 1.7 | 1.0 | 1.9 | 2.4 | 2.6 | 2.6 | 3.1 | 3.6 | 3.9 |
Price To Book Price To Book | 0.8 | 1.4 | 1.1 | 0.7 | 0.3 | 0.5 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 |
EV To EBITDA EV To EBITDA | 83.8 | 77.6 | 61.1 | 95.0 | 40.0 | 28.1 | 28.7 | 21.7 | 21.8 | 34.4 | 44.9 | 53.2 |
FPM FPM% | 10.3 | 14.0 | 16.4 | 7.3 | 13.1 | 18.8 | 19.4 | 22.9 | 21.5 | 13.6 | 10.1 | 9.1 |
NPM NPM% | 14.7 | 16.0 | 20.5 | 19.4 | 16.1 | 16.5 | 14.4 | 12.7 | 13.2 | 7.5 | 4.8 | 4.3 |
ROCE ROCE% | 6.9 | 5.9 | 6.0 | 8.5 | 7.6 | 7.0 | 6.5 | 6.7 | 5.7 | 4.6 | 3.0 | 3.0 |
ROE ROE% | 5.6 | 5.6 | 6.8 | 6.1 | 4.6 | 4.5 | 3.6 | 2.8 | 2.7 | 1.2 | 0.7 | 0.7 |
ROA ROA% | 1.3 | 1.4 | 1.9 | 1.8 | 1.7 | 1.9 | 1.6 | 1.4 | 1.4 | 0.9 | 0.5 | 0.5 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 25 | 51 | 42 | 28 | 15 | 25 | 30 | 30 | 28 | 27 | 26 | 28 |
Price To Earnings Price To Earnings | 13.4 | 25.9 | 16.1 | 10.7 | 7.1 | 11.8 | 16.7 | 21.0 | 19.8 | 40.8 | 75.4 | 91.4 |
Price To Sales Price To Sales | 1.8 | 3.8 | 3.0 | 1.7 | 1.0 | 1.9 | 2.4 | 2.6 | 2.6 | 3.1 | 3.6 | 3.9 |
Price To Book Price To Book | 0.8 | 1.4 | 1.1 | 0.7 | 0.3 | 0.5 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 |
EV To EBITDA EV To EBITDA | 83.8 | 77.6 | 61.1 | 95.0 | 40.0 | 28.1 | 28.7 | 21.7 | 21.8 | 34.4 | 44.9 | 53.2 |
FPM FPM% | 10.3 | 14.0 | 16.4 | 7.3 | 13.1 | 18.8 | 19.4 | 22.9 | 21.5 | 13.6 | 10.1 | 9.1 |
NPM NPM% | 14.7 | 16.0 | 20.5 | 19.4 | 16.1 | 16.5 | 14.4 | 12.7 | 13.2 | 7.5 | 4.8 | 4.3 |
ROCE ROCE% | 6.9 | 5.9 | 6.0 | 8.5 | 7.6 | 7.0 | 6.5 | 6.7 | 5.7 | 4.6 | 3.0 | 3.0 |
ROE ROE% | 5.6 | 5.6 | 6.8 | 6.1 | 4.6 | 4.5 | 3.6 | 2.8 | 2.7 | 1.2 | 0.7 | 0.7 |
ROA ROA% | 1.3 | 1.4 | 1.9 | 1.8 | 1.7 | 1.9 | 1.6 | 1.4 | 1.4 | 0.9 | 0.5 | 0.5 |
Documents — Sahara Housing Fina Corporation Ltd