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SRG Housing FinanceNSE:SRGHFL +0.23%77 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 27.79. GuruFocus rates NSE:SRGHFL with a GF Score™ of 77/100 and a GF Value™ of ₹448.22 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 19 Banks companies, SRG Housing Finance ranks worse than 5263152.63% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. SRG Housing Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹97 Mil. SRG Housing Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
SRG Housing Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for SRG Housing Finance's Interest Coverage or its related term are showing as below:
NSE:SRGHFL's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 26.97 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
SRG Housing Finance Interest Coverage Related Terms
SRG Housing Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for SRG Housing Finance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:SRGHFL vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, SRG Housing Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SRG Housing Finance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
SRG Housing Finance (NSE:SRGHFL) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SRG Housing Finance and its competitors. This is 96% below median its historical median of 27.79. Over the past decade, SRG Housing Finance's Interest Coverage has ranged from 18.92 to 196.17. According to the industry distribution chart, SRG Housing Finance ranks #999999 out of 19 companies in the Banks industry.
Is SRG Housing Finance's Interest Coverage too high?
SRG Housing Finance's current Interest Coverage of No Debt (1) is 96% below median its 10-year median of 27.79. Over the past 10 years, this metric has ranged from a low of 18.92 to a high of 196.17. Based on the distribution chart, SRG Housing Finance ranks #999999 out of 19 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SRG 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 SRG Housing Finance's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #999999 out of 19 companies for Interest Coverage. This places SRG Housing Finance in the lower half of its industry. The industry median Interest Coverage is 26.97. Historically, SRG Housing Finance's own Interest Coverage has ranged from 18.92 to 196.17 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 26.97, based on 19 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SRG Housing Finance and its competitors. For the Banks industry, the median Interest Coverage is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SRG Housing Finance's current Interest Coverage is No Debt (1), which is 96% below median its own 10-year median of 27.79. 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 (NSE:SRGHFL) is currently considered Possible Value Trap. The stock's GF Value™ is ₹448.22, compared to a current price of ₹256.60 — trading 42.8% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 96% below median its 10-year median of 27.79. SRG Housing Finance's overall GF Score™ is 77/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For SRG Housing Finance (NSE:SRGHFL), the current Interest Coverage is No Debt (1) as of Jun. 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 (NSE:SRGHFL) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹256.60 is trading 42.8% below its estimated GF Value™ of ₹448.22.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for NSE:SRGHFL:
Interest Coverage: No Debt (1) (96% below median its 10-year median of 27.79)
GF Value™: ₹448.22 vs. price of ₹256.60 (42.8% below fair value)
No single metric tells the full story. See the NSE:SRGHFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
77GF Score
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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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