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Star Housing FinanceBOM:539017 +4.79%77 Piotroski F-Score is 4 as of Jul. 13, 2026, which is 33% above its 10-year median of 3.00. GuruFocus rates BOM:539017 with a GF Score™ of 77/100 and a GF Value™ of ₹80.89 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Star Housing Finance ranks worse than 75.73% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Star Housing Finance has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Star Housing Finance's Piotroski F-Score or its related term are showing as below:
BOM:539017'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 3 Max: 5
Current: 4
During the past 12 years, the highest Piotroski F-Score of Star Housing Finance was 5. The lowest was 2. And the median was 3.
Star Housing Finance (BOM:539017) Piotroski F-Score Explanation
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.
Star Housing Finance Piotroski F-Score Related Terms
Star Housing Finance Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Star Housing Finance'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:539017 vs RKT, FNMA, PFSI: Piotroski F-Score Comparison
For the Mortgage Finance subindustry, Star Housing Finance'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.
Star Housing Finance Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Star Housing Finance's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Star Housing Finance'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.
Star Housing Finance's current Net Income (TTM) was 111.0.
==> 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.
Score 1 if positive, 0 if negative.
Star Housing Finance's current Cash Flow from Operations (TTM) was -652.5.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Star Housing Finance's return on assets of this year was 0.02263699. Star Housing Finance's return on assets of last year was 0.031114.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Star Housing Finance's gearing of this year was 0.58104243. Star Housing Finance's gearing of last year was 0.63247601.
==> 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
Star Housing Finance's current ratio of this year was 1.60809993. Star Housing Finance's current ratio of last year was 1.34513582.
==> 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.
Star Housing Finance's number of shares in issue this year was 78.976. Star Housing Finance's number of shares in issue last year was 80.245.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
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.
Star Housing Finance's gross margin of this year was 0.20065397. Star Housing Finance's gross margin of last year was 0.27013028.
==> Last year's gross margin is higher ==> Score 0.
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
Star Housing Finance's asset turnover of this year was 0.16179844. Star Housing Finance's asset turnover of last year was 0.18778627.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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4
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Star Housing Finance has an F-score of 4 indicating the company's financial situation is typical for a stable company.
Star Housing Finance (BOM:539017) has a Piotroski F-Score of 4 as of Jul. 13, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Star Housing Finance and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, Star Housing Finance's Piotroski F-Score has ranged from 2.00 to 5.00. According to the industry distribution chart, Star Housing Finance ranks #1139 out of 1504 companies in the Banks industry, placing it in the top 75.7%.
Is Star Housing Finance's Piotroski F-Score too high?
Star Housing Finance's current Piotroski F-Score of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. The Banks industry median Piotroski F-Score is 6.00. Star Housing Finance's value of 4 is 33.3% below this industry median. Based on the distribution chart, Star Housing Finance ranks #1139 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Star Housing Finance has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Star Housing Finance's Piotroski F-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, Star Housing Finance ranks #1139 out of 1504 companies for Piotroski F-Score. This places Star Housing Finance in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Star Housing Finance's value of 4 is 33.3% below this benchmark. Historically, Star Housing Finance's own Piotroski F-Score has ranged from 2.00 to 5.00 over the past decade. While the company's 10-year median is 3.00 vs. the industry median of 6.00, Star Housing Finance has consistently been below 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 1,504 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. Star Housing Finance's current Piotroski F-Score of 4 is 33.3% below 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 Star Housing Finance 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. Star Housing Finance's current Piotroski F-Score is 4, which is 33% above median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, Star Housing Finance (BOM:539017) is currently considered Possible Value Trap. The stock's GF Value™ is ₹80.89, compared to a current price of ₹6.34 — trading 92.2% below its estimated fair value. The current Piotroski F-Score is 4, which is 33% above median its 10-year median of 3.00 and 33.3% below the Banks industry median of 6.00. Star Housing Finance's overall GF Score™ is 77/100 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 Star Housing Finance (BOM:539017), the current Piotroski F-Score is 4 as of Jul. 13, 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 Star Housing Finance (BOM:539017) Overvalued in 2026?
Based on GuruFocus' analysis, Star Housing Finance stock appears to be undervalued.
The current stock price of ₹6.34 is trading 92.2% below its estimated GF Value™ of ₹80.89.
GuruFocus considers Star Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:539017:
Piotroski F-Score: 4 (33% above median its 10-year median of 3.00)
GF Value™: ₹80.89 vs. price of ₹6.34 (92.2% below fair value)
Industry Position: 33.3% below the Banks median (#1139 of 1504)
No single metric tells the full story. See the BOM:539017 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Star Housing Finance Ltd is a non-deposit-taking housing finance company. The company's loan products include home loans, mortgage loans, and builder loans. The firm offers home loans for the purchase of flats and houses, renovation of existing units, extension of existing units, and purchase of plots for the construction of houses. The company offers a builder loan for the construction of residential flats. The company is engaged in the business of providing loans to individuals, corporations, and developers for the purchase, construction, development, and repair of houses, apartments, and commercial properties in India.
77GF Score
Get the complete analysis for BOM:539017
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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