SRG Housing Finance (BOM:534680) EBIT: ₹402 Mil (TTM As of Mar. 2026)

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BOM:534680 SRG Housing Finance Ltd BOM:534680
76 GF Score
Price ₹296.75
GF Value ₹438.35
Valuation Possible Value Trap
! 10 Warning Signs
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What is SRG Housing Finance EBIT?

SRG Housing Finance BOM:534680 -5.19% 76 EBIT is ₹402 Mil as of Mar. 2026. GuruFocus rates BOM:534680 with a GF Score™ of 76/100 and a GF Value™ of ₹438.35 (Possible Value Trap). The stock has 10 warning signs investors should review.

SRG Housing Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹126 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹402 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. SRG Housing Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 3.48%. SRG Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 252.66%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. SRG Housing Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.08%.

SRG Housing Finance  (BOM:534680) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

SRG Housing Finance's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=502.744 * ( 1 - 20.22% )/( (0 + 11514.279)/ 1 )
=401.0891632/11514.279
=3.48 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=0 - 0 - ( 0 - max(0, 0 - 0+0))
=0

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=11747.487 - 51.147 - ( 182.061 - max(0, 51.147 - 10453.314+182.061))
=11514.279

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

SRG Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=502.744/( ( (0 + max(0, 0)) + (198.982 + max(-51.147, 0)) )/ 1 )
=502.744/( ( 0 + 198.982 )/ 1 )
=502.744/198.982
=252.66 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (51.147 + 0 + 0)
=-51.147

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

SRG Housing Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=402.046/13048.310
=3.08 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SRG Housing Finance EBIT Related Terms

SRG Housing Finance EBIT Historical Data

* Premium members only.

The historical data trend for SRG Housing Finance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SRG Housing Finance EBIT Chart

SRG Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 256.54 217.94 271.96 281.44 424.64

SRG Housing Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 85.74 73.13 100.79 102.44 125.69

BOM:534680 vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, SRG Housing Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SRG Housing Finance EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, SRG Housing Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where SRG Housing Finance's EV-to-EBIT falls into.


BOM:534680
76GF Score
SRG Housing Finance Ltd BOM:534680
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SRG Housing Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹402 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹402 Mil mean?
SRG Housing Finance (BOM:534680) has a EBIT of ₹402 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on SRG Housing Finance.
Is SRG Housing Finance's EBIT too high?
SRG Housing Finance's current EBIT is ₹402 Mil. Overall, SRG Housing Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's EBIT compare to RKT and FNMA?
SRG Housing Finance's EBIT of ₹402 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on SRG Housing Finance. SRG Housing Finance's current EBIT is ₹402 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹438.35, compared to a current price of ₹296.75 — trading 32.3% below its estimated fair value. The current EBIT is ₹402 Mil. SRG Housing Finance's overall GF Score™ is 76/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For SRG Housing Finance (BOM:534680), the current EBIT is ₹402 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SRG Housing Finance (BOM:534680) Overvalued in 2026?

Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued. The current stock price of ₹296.75 is trading 32.3% below its estimated GF Value™ of ₹438.35. GuruFocus considers SRG Housing Finance to be Possible Value Trap.

Key valuation signals for BOM:534680:

  • EBIT: ₹402 Mil
  • GF Value™: ₹438.35 vs. price of ₹296.75 (32.3% below fair value)
  • GF Score™: 76/100 with 10 warning signs

No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SRG Housing Finance Business Description

Other Exchanges SRGHFL:India
Address No. 12, SRG House, Opposite Paras Health Hospital, Shobhagpura, Udaipur, RJ, IND, 313001
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
76GF Score

Get the complete analysis for BOM:534680

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹296.75
Price
₹438.35
GF Value