Sahara HousingfinaBOM:511533 +0.46%59 Piotroski F-Score is 7 as of Jul. 03, 2026, which is 17% above its 10-year median of 6.00. GuruFocus rates BOM:511533 with a GF Score™ of 59/100 and a GF Value™ of ₹36.10 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,499 Banks companies, Sahara Housingfina ranks better than 77.85% on this metric.
Good Sign:
Piotroski F-Score is 7, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Sahara Housingfina has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Sahara Housingfina's Piotroski F-Score or its related term are showing as below:
BOM:511533'
s Piotroski F-Score Range Over the Past 10 Years
Min: 5 Med: 6 Max: 8
Current: 7
During the past 13 years, the highest Piotroski F-Score of Sahara Housingfina was 8. The lowest was 5. And the median was 6.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Sahara Housingfina Piotroski F-Score Related Terms
Sahara Housingfina Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Sahara Housingfina's Piotroski F-Score 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.
BOM:511533 vs RKT, FNMA, PFSI: Piotroski F-Score Comparison
For the Mortgage Finance subindustry, Sahara Housingfina's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Sahara Housingfina Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina's Piotroski F-Score falls into.
* 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Sahara Housingfina's current Net Income (TTM) was 3.44.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Sahara Housingfina's return on assets of this year was 0.00454409. Sahara Housingfina's return on assets of last year was 0.00660156.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Sahara Housingfina's gearing of this year was 0.0188561. Sahara Housingfina's gearing of last year was 0.15365267.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Sahara Housingfina's current ratio of this year was 198.03146417. Sahara Housingfina's current ratio of last year was 1.37793549.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Sahara Housingfina's number of shares in issue this year was 7.018. Sahara Housingfina's number of shares in issue last year was 6.972.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Sahara Housingfina's gross margin of this year was 0.34892016. Sahara Housingfina's gross margin of last year was 0.34602431.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Sahara Housingfina's asset turnover of this year was 0.09409784. Sahara Housingfina's asset turnover of last year was 0.08736479.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Sahara Housingfina has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
Sahara Housingfina (BOM:511533) has a Piotroski F-Score of 7 as of Jul. 03, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Sahara Housingfina and its competitors. This is 17% above median its historical median of 6.00. Over the past decade, Sahara Housingfina's Piotroski F-Score has ranged from 5.00 to 8.00. According to the industry distribution chart, Sahara Housingfina ranks #332 out of 1499 companies in the Banks industry, placing it in the top 22.1%.
Is Sahara Housingfina's Piotroski F-Score too high?
Sahara Housingfina's current Piotroski F-Score of 7 is 17% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 8.00. The Banks industry median Piotroski F-Score is 6.00. Sahara Housingfina's value of 7 is 16.7% above this industry median. Based on the distribution chart, Sahara Housingfina ranks #332 out of 1499 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sahara Housingfina has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's Piotroski F-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #332 out of 1499 companies for Piotroski F-Score. This places Sahara Housingfina in the top 22% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Sahara Housingfina's value of 7 is 16.7% above this benchmark. Historically, Sahara Housingfina's own Piotroski F-Score has ranged from 5.00 to 8.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Sahara Housingfina has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sahara Housingfina's current Piotroski F-Score of 7 is 16.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Sahara Housingfina and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sahara Housingfina's current Piotroski F-Score is 7, which is 17% above median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.10, compared to a current price of ₹45.83 — trading 27% above its estimated fair value. The current Piotroski F-Score is 7, which is 17% above median its 10-year median of 6.00 and 16.7% above the Banks industry median of 6.00. Sahara Housingfina's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Sahara Housingfina (BOM:511533), the current Piotroski F-Score is 7 as of Jul. 03, 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹45.83 is trading 27% above its estimated GF Value™ of ₹36.10.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
Piotroski F-Score: 7 (17% above median its 10-year median of 6.00)
GF Value™: ₹36.10 vs. price of ₹45.83 (27% above fair value)
Industry Position: 16.7% above the Banks median (#332 of 1499)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
59GF Score
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Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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