Indiabulls Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: July 26, 2024, 11:44 am

Market Cap	8,279 Cr.
Current Price	167
High / Low	209/115
Stock P/E	6.77
Book Value	268
Dividend Yield	0.76 %
ROCE	10.1 %
ROE	6.55 %
Face Value	2.00
PEG Ratio	-0.48

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Indiabulls Housing Finance Ltd

Competitors of Indiabulls Housing Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Ind Bank Housing Ltd	39.3 Cr.	39.3	87.9/35.0		121	0.00 %	7.86 %	%	10.0
Home First Finance Company India Ltd	9,537 Cr.	1,059	1,383/777	26.4	255	0.32 %	11.2 %	15.5 %	2.00
Aptus Value Housing Finance India Ltd	15,117 Cr.	302	402/268	21.3	80.3	1.49 %	14.7 %	17.2 %	2.00
Repco Home Finance Ltd	2,217 Cr.	354	595/308	5.12	494	0.85 %	10.5 %	14.6 %	10.0
PNB Housing Finance Ltd	25,457 Cr.	979	1,202/616	13.9	575	0.00 %	9.27 %	11.8 %	10.0
Industry Average	10,130.90 Cr	393.19		11.36	287.76	0.87%	11.06%	13.49%	5.64

All Competitor Stocks of Indiabulls Housing Finance Ltd

Quarterly Result

Metric	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023
Sales	2,534	2,513	2,372	2,321	2,233	2,274	2,189	2,075	2,230	2,339	2,075	1,900	2,227
Expenses	353	346	448	386	254	257	256	179	406	522	293	147	448
Operating Profit	2,181	2,167	1,924	1,935	1,979	2,018	1,933	1,897	1,824	1,817	1,782	1,753	1,779
OPM %	86%	86%	81%	83%	89%	89%	88%	91%	82%	78%	86%	92%	80%
Other Income	47	1	50	5	0	3	2	3	2	1	4	13	15
Interest	1,792	1,706	1,594	1,552	1,571	1,577	1,543	1,495	1,410	1,389	1,342	1,354	1,350
Depreciation	22	25	23	19	19	20	20	18	23	23	22	19	23
Profit before tax	413	437	357	369	390	424	372	386	393	405	422	394	422
Tax %	22%	25%	23%	24%	27%	29%	18%	26%	26%	28%	38%	25%	29%
Net Profit	323	329	276	282	286	303	307	287	289	291	263	294	298
EPS in Rs	4.66	4.75	3.98	4.06	4.13	4.34	4.36	4.05	4.09	4.11	3.71	4.16	4.14

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for Indiabulls Housing Finance Ltd based on the most recent figures (Sep 2023) and their trends compared to the previous period:

For Sales, as of Sep 2023, the value is 2,227.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,900.00 Cr. (Jun 2023) to 2,227.00 Cr., marking an increase of 327.00 Cr..
For Expenses, as of Sep 2023, the value is 448.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 147.00 Cr. (Jun 2023) to 448.00 Cr., marking an increase of 301.00 Cr..
For Operating Profit, as of Sep 2023, the value is 1,779.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,753.00 Cr. (Jun 2023) to 1,779.00 Cr., marking an increase of 26.00 Cr..
For OPM %, as of Sep 2023, the value is 80.00%. The value appears to be declining and may need further review. It has decreased from 92.00% (Jun 2023) to 80.00%, marking a decrease of 12.00%.
For Other Income, as of Sep 2023, the value is 15.00 Cr.. The value appears strong and on an upward trend. It has increased from 13.00 Cr. (Jun 2023) to 15.00 Cr., marking an increase of 2.00 Cr..
For Interest, as of Sep 2023, the value is 1,350.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,354.00 Cr. (Jun 2023) to 1,350.00 Cr., marking a decrease of 4.00 Cr..
For Depreciation, as of Sep 2023, the value is 23.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 19.00 Cr. (Jun 2023) to 23.00 Cr., marking an increase of 4.00 Cr..
For Profit before tax, as of Sep 2023, the value is 422.00 Cr.. The value appears strong and on an upward trend. It has increased from 394.00 Cr. (Jun 2023) to 422.00 Cr., marking an increase of 28.00 Cr..
For Tax %, as of Sep 2023, the value is 29.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Jun 2023) to 29.00%, marking an increase of 4.00%.
For Net Profit, as of Sep 2023, the value is 298.00 Cr.. The value appears strong and on an upward trend. It has increased from 294.00 Cr. (Jun 2023) to 298.00 Cr., marking an increase of 4.00 Cr..
For EPS in Rs, as of Sep 2023, the value is 4.14. The value appears to be declining and may need further review. It has decreased from 4.16 (Jun 2023) to 4.14, marking a decrease of 0.02.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Sales	4,730	5,890	7,243	9,221	11,628	14,952	17,020	13,219	9,998	8,988	8,719	8,542
Expenses	514	632	816	1,105	1,485	2,033	1,654	2,040	1,429	1,119	1,400	1,411
Operating Profit	4,216	5,258	6,427	8,117	10,144	12,919	15,366	11,179	8,569	7,869	7,319	7,131
OPM %	89%	89%	89%	88%	87%	86%	90%	85%	86%	88%	84%	83%
Other Income	48	14	9	4	62	6	6	2	29	6	8	33
Interest	2,599	3,282	3,944	4,971	6,411	8,010	9,726	8,512	6,939	6,242	5,636	5,435
Depreciation	9	8	19	20	23	37	43	108	97	77	86	86
Profit before tax	1,655	1,982	2,473	3,129	3,772	4,878	5,604	2,561	1,562	1,556	1,606	1,643
Tax %	24%	21%	23%	25%	23%	21%	28%	15%	23%	24%	30%
Net Profit	1,266	1,569	1,901	2,345	2,906	3,895	4,091	2,200	1,202	1,178	1,130	1,146
EPS in Rs	40.27	46.83	53.47	55.66	68.57	91.33	95.71	51.45	25.99	25.13	23.95	24.19
Dividend Payout %	50%	62%	50%	81%	39%	45%	42%	59%	33%	0%	5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023
YoY Net Profit Growth (%)	23.93%	21.16%	23.36%	23.92%	34.03%	5.03%	-46.22%	-45.36%	-2.00%	-4.07%
Change in YoY Net Profit Growth (%)	0.00%	-2.77%	2.20%	0.57%	10.11%	-29.00%	-51.26%	0.86%	43.37%	-2.08%

Indiabulls Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 10 years from 2013-2014 to 2022-2023.

Growth

Compounded Sales Growth
10 Years:	4%
5 Years:	-13%
3 Years:	-5%
TTM:	-3%

Compounded Profit Growth
10 Years:	-2%
5 Years:	-22%
3 Years:	0%
TTM:	8%

Stock Price CAGR
10 Years:	-7%
5 Years:	-21%
3 Years:	-13%
1 Year:	55%

Return on Equity
10 Years:	16%
5 Years:	8%
3 Years:	7%
Last Year:	7%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	62	67	71	84	85	85	85	84	89	89	90	113
Reserves	5,006	5,639	6,561	10,610	12,038	14,273	16,397	15,454	16,045	16,585	17,272	19,679
Borrowings	31,286	35,540	47,487	61,085	85,301	111,056	105,756	79,674	68,805	61,359	52,403	48,493
Other Liabilities	2,787	3,172	3,110	3,935	6,274	7,188	7,866	7,660	8,299	3,940	5,180	4,781
Total Liabilities	39,141	44,417	57,229	75,714	103,697	132,603	130,104	102,872	93,238	81,973	74,945	73,066
Fixed Assets	58	115	123	136	169	169	214	450	295	327	433	325
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	2,308	2,947	6,164	10,693	13,617	14,792	19,717	12,277	6,146	5,546	5,370	7,192
Other Assets	36,775	41,354	50,942	64,886	89,912	117,642	110,173	90,145	86,796	76,100	69,142	65,549
Total Assets	39,141	44,417	57,229	75,714	103,697	132,603	130,104	102,872	93,238	81,973	74,945	73,066

Below is a detailed analysis of the balance sheet data for Indiabulls Housing Finance Ltd based on the most recent figures (Mar 2024) and their trends compared to the previous period:

For Equity Capital, as of Mar 2024, the value is ₹113.00 Cr.. The value appears strong and on an upward trend. It has increased from 90.00 Cr. (Mar 2023) to ₹113.00 Cr., marking an increase of 23.00 Cr..
For Reserves, as of Mar 2024, the value is ₹19,679.00 Cr.. The value appears strong and on an upward trend. It has increased from 17,272.00 Cr. (Mar 2023) to ₹19,679.00 Cr., marking an increase of 2,407.00 Cr..
For Borrowings, as of Mar 2024, the value is ₹48,493.00 Cr.. The value appears to be improving (decreasing). However, Borrowings exceed Reserves, which may signal higher financial risk. It has decreased from 52,403.00 Cr. (Mar 2023) to ₹48,493.00 Cr., marking a decrease of 3,910.00 Cr..
For Other Liabilities, as of Mar 2024, the value is ₹4,781.00 Cr.. The value appears to be improving (decreasing). It has decreased from 5,180.00 Cr. (Mar 2023) to ₹4,781.00 Cr., marking a decrease of 399.00 Cr..
For Total Liabilities, as of Mar 2024, the value is ₹73,066.00 Cr.. The value appears to be improving (decreasing). It has decreased from 74,945.00 Cr. (Mar 2023) to ₹73,066.00 Cr., marking a decrease of 1,879.00 Cr..
For Fixed Assets, as of Mar 2024, the value is ₹325.00 Cr.. The value appears to be declining and may need further review. It has decreased from 433.00 Cr. (Mar 2023) to ₹325.00 Cr., marking a decrease of 108.00 Cr..
For CWIP, as of Mar 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded 0.00 Cr..
For Investments, as of Mar 2024, the value is ₹7,192.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,370.00 Cr. (Mar 2023) to ₹7,192.00 Cr., marking an increase of 1,822.00 Cr..
For Other Assets, as of Mar 2024, the value is ₹65,549.00 Cr.. The value appears to be declining and may need further review. It has decreased from 69,142.00 Cr. (Mar 2023) to ₹65,549.00 Cr., marking a decrease of 3,593.00 Cr..
For Total Assets, as of Mar 2024, the value is ₹73,066.00 Cr.. The value appears to be declining and may need further review. It has decreased from 74,945.00 Cr. (Mar 2023) to ₹73,066.00 Cr., marking a decrease of 1,879.00 Cr..

However, the Borrowings (48,493.00 Cr.) are higher than the Reserves (₹19,679.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

No data available for this post.

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Free Cash Flow	-27.00	-30.00	-41.00	-53.00	-75.00	-99.00	-90.00	-68.00	-60.00	-54.00	-45.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Debtor Days	0	0	0	0	0	1	1	1	1	0	1
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	1	1	1	1	0	1
Working Capital Days	-353	-256	-129	-247	-273	-135	-103	-87	-167	81	103
ROCE %		14%	13%	13%	12%	12%	12%	10%	9%	10%	10%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoters	21.69%	21.69%	9.72%	9.66%	9.59%	9.60%	9.60%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	33.65%	27.15%	29.07%	26.81%	25.06%	24.04%	21.73%	18.31%	18.53%	22.37%	23.41%	19.33%
DIIs	12.88%	12.37%	14.21%	13.11%	9.81%	11.09%	13.10%	13.04%	16.12%	16.08%	8.53%	7.15%
Public	28.10%	35.10%	43.35%	45.51%	50.66%	50.41%	50.70%	63.78%	60.47%	59.81%	66.34%	71.79%
Others	3.68%	3.68%	3.66%	4.91%	4.88%	4.88%	4.88%	4.88%	4.88%	1.75%	1.71%	1.71%
No. of Shareholders	3,21,487	4,16,663	4,70,104	5,45,738	5,77,531	5,51,691	5,10,521	5,22,033	4,99,957	4,54,303	4,50,141	4,93,288

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Edelweiss Arbitrage Fund	3,595,500	0.96	73.4	N/A	N/A	N/A
Nippon India Arbitrage Fund	3,447,600	0.59	70.38	N/A	N/A	N/A
Tata Arbitrage Fund	3,100,800	0.79	63.3	3,100,800	2025-04-12	0%
ICICI Prudential Equity - Arbitrage Fund	3,906,600	0.41	63.25	N/A	N/A	N/A
SBI Arbitrage Opportunities Fund	2,861,100	0.25	58.41	N/A	N/A	N/A
UTI Arbitrage Fund	3,253,800	1.4	52.68	N/A	N/A	N/A
HDFC Arbitrage Fund - Regular Plan	2,850,900	0.61	46.16	N/A	N/A	N/A
HDFC Arbitrage Fund - Wholesale Plan	2,850,900	0.61	46.16	N/A	N/A	N/A
Aditya Birla Sun Life Arbitrage Fund	1,234,200	0.4	25.2	N/A	N/A	N/A
Axis Arbitrage Fund	958,800	0.56	19.57	N/A	N/A	N/A

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	2.00	2.00	2.00	2.00	2.00
Basic EPS (Rs.)	23.78	25.19	26.42	27.72	51.70
Diluted EPS (Rs.)	23.53	25.05	26.34	27.72	51.69
Cash EPS (Rs.)	22.99	27.09	28.17	29.15	54.25
Book Value[Excl.RevalReserv]/Share (Rs.)	350.21	387.01	374.24	362.27	370.69
Book Value[Incl.RevalReserv]/Share (Rs.)	350.21	387.01	374.24	362.27	370.69
Revenue From Operations / Share (Rs.)	149.96	194.37	201.62	222.91	315.32
PBDIT / Share (Rs.)	124.57	163.31	176.74	193.06	266.75
PBIT / Share (Rs.)	123.07	161.40	175.01	190.88	264.17
PBT / Share (Rs.)	29.17	35.75	34.92	35.07	61.10
Net Profit / Share (Rs.)	21.49	25.18	26.43	26.98	51.67
NP After MI And SOA / Share (Rs.)	21.49	25.18	26.43	26.98	52.48
PBDIT Margin (%)	83.07	84.01	87.65	86.60	84.59
PBIT Margin (%)	82.07	83.03	86.79	85.63	83.78
PBT Margin (%)	19.45	18.39	17.31	15.73	19.37
Net Profit Margin (%)	14.32	12.95	13.11	12.10	16.38
NP After MI And SOA Margin (%)	14.32	12.95	13.11	12.10	16.64
Return on Networth / Equity (%)	6.13	6.50	7.06	7.44	14.15
Return on Capital Employeed (%)	34.24	40.64	16.98	16.42	20.60
Return On Assets (%)	1.66	1.50	1.43	1.28	2.13
Long Term Debt / Equity (X)	0.00	0.00	1.70	2.16	2.40
Total Debt / Equity (X)	2.45	3.02	3.68	4.26	5.13
Asset Turnover Ratio (%)	0.11	0.11	0.09	0.09	0.10
Current Ratio (X)	1.33	1.26	2.20	2.20	2.04
Quick Ratio (X)	1.33	1.26	2.20	2.20	2.04
Dividend Payout Ratio (NP) (%)	0.00	0.00	-1.29	34.62	60.01
Dividend Payout Ratio (CP) (%)	0.00	0.00	-1.21	32.05	57.21
Earning Retention Ratio (%)	0.00	0.00	0.00	65.38	39.99
Cash Earning Retention Ratio (%)	0.00	0.00	0.00	67.95	42.79
Interest Coverage Ratio (X)	1.33	1.30	1.26	1.24	1.31
Interest Coverage Ratio (Post Tax) (X)	1.23	1.20	1.19	1.17	1.25
Enterprise Value (Cr.)	53580.74	51538.36	58737.29	60552.68	68682.73
EV / Net Operating Revenue (X)	6.32	5.91	6.54	6.10	5.20
EV / EBITDA (X)	7.61	7.04	7.46	7.04	6.14
MarketCap / Net Operating Revenue (X)	1.12	0.50	0.78	0.88	0.30
Retention Ratios (%)	0.00	0.00	0.00	65.37	39.98
Price / BV (X)	0.48	0.25	0.42	0.54	0.26
Price / Net Operating Revenue (X)	1.12	0.50	0.78	0.88	0.30
EarningsYield	0.12	0.25	0.16	0.13	0.54

After reviewing the key financial ratios for Indiabulls Housing Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
For Basic EPS (Rs.), as of Mar 24, the value is 23.78. This value is within the healthy range. It has decreased from 25.19 (Mar 23) to 23.78, marking a decrease of 1.41.
For Diluted EPS (Rs.), as of Mar 24, the value is 23.53. This value is within the healthy range. It has decreased from 25.05 (Mar 23) to 23.53, marking a decrease of 1.52.
For Cash EPS (Rs.), as of Mar 24, the value is 22.99. This value is within the healthy range. It has decreased from 27.09 (Mar 23) to 22.99, marking a decrease of 4.10.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 350.21. It has decreased from 387.01 (Mar 23) to 350.21, marking a decrease of 36.80.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 350.21. It has decreased from 387.01 (Mar 23) to 350.21, marking a decrease of 36.80.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 149.96. It has decreased from 194.37 (Mar 23) to 149.96, marking a decrease of 44.41.
For PBDIT / Share (Rs.), as of Mar 24, the value is 124.57. This value is within the healthy range. It has decreased from 163.31 (Mar 23) to 124.57, marking a decrease of 38.74.
For PBIT / Share (Rs.), as of Mar 24, the value is 123.07. This value is within the healthy range. It has decreased from 161.40 (Mar 23) to 123.07, marking a decrease of 38.33.
For PBT / Share (Rs.), as of Mar 24, the value is 29.17. This value is within the healthy range. It has decreased from 35.75 (Mar 23) to 29.17, marking a decrease of 6.58.
For Net Profit / Share (Rs.), as of Mar 24, the value is 21.49. This value is within the healthy range. It has decreased from 25.18 (Mar 23) to 21.49, marking a decrease of 3.69.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 21.49. This value is within the healthy range. It has decreased from 25.18 (Mar 23) to 21.49, marking a decrease of 3.69.
For PBDIT Margin (%), as of Mar 24, the value is 83.07. This value is within the healthy range. It has decreased from 84.01 (Mar 23) to 83.07, marking a decrease of 0.94.
For PBIT Margin (%), as of Mar 24, the value is 82.07. This value exceeds the healthy maximum of 20. It has decreased from 83.03 (Mar 23) to 82.07, marking a decrease of 0.96.
For PBT Margin (%), as of Mar 24, the value is 19.45. This value is within the healthy range. It has increased from 18.39 (Mar 23) to 19.45, marking an increase of 1.06.
For Net Profit Margin (%), as of Mar 24, the value is 14.32. This value exceeds the healthy maximum of 10. It has increased from 12.95 (Mar 23) to 14.32, marking an increase of 1.37.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 14.32. This value is within the healthy range. It has increased from 12.95 (Mar 23) to 14.32, marking an increase of 1.37.
For Return on Networth / Equity (%), as of Mar 24, the value is 6.13. This value is below the healthy minimum of 15. It has decreased from 6.50 (Mar 23) to 6.13, marking a decrease of 0.37.
For Return on Capital Employeed (%), as of Mar 24, the value is 34.24. This value is within the healthy range. It has decreased from 40.64 (Mar 23) to 34.24, marking a decrease of 6.40.
For Return On Assets (%), as of Mar 24, the value is 1.66. This value is below the healthy minimum of 5. It has increased from 1.50 (Mar 23) to 1.66, marking an increase of 0.16.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 24, the value is 2.45. This value exceeds the healthy maximum of 1. It has decreased from 3.02 (Mar 23) to 2.45, marking a decrease of 0.57.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.11. There is no change compared to the previous period (Mar 23) which recorded 0.11.
For Current Ratio (X), as of Mar 24, the value is 1.33. This value is below the healthy minimum of 1.5. It has increased from 1.26 (Mar 23) to 1.33, marking an increase of 0.07.
For Quick Ratio (X), as of Mar 24, the value is 1.33. This value is within the healthy range. It has increased from 1.26 (Mar 23) to 1.33, marking an increase of 0.07.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.33. This value is below the healthy minimum of 3. It has increased from 1.30 (Mar 23) to 1.33, marking an increase of 0.03.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.23. This value is below the healthy minimum of 3. It has increased from 1.20 (Mar 23) to 1.23, marking an increase of 0.03.
For Enterprise Value (Cr.), as of Mar 24, the value is 53,580.74. It has increased from 51,538.36 (Mar 23) to 53,580.74, marking an increase of 2,042.38.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 6.32. This value exceeds the healthy maximum of 3. It has increased from 5.91 (Mar 23) to 6.32, marking an increase of 0.41.
For EV / EBITDA (X), as of Mar 24, the value is 7.61. This value is within the healthy range. It has increased from 7.04 (Mar 23) to 7.61, marking an increase of 0.57.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.12. This value is within the healthy range. It has increased from 0.50 (Mar 23) to 1.12, marking an increase of 0.62.
For Retention Ratios (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 30. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Price / BV (X), as of Mar 24, the value is 0.48. This value is below the healthy minimum of 1. It has increased from 0.25 (Mar 23) to 0.48, marking an increase of 0.23.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.12. This value is within the healthy range. It has increased from 0.50 (Mar 23) to 1.12, marking an increase of 0.62.
For EarningsYield, as of Mar 24, the value is 0.12. This value is below the healthy minimum of 5. It has decreased from 0.25 (Mar 23) to 0.12, marking a decrease of 0.13.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Indiabulls Housing Finance Ltd as of April 13, 2025 is: 95.80

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 13, 2025, Indiabulls Housing Finance Ltd is Overvalued by 42.63% compared to the current share price 167.00

Intrinsic Value of Indiabulls Housing Finance Ltd as of April 13, 2025 is: 82.38

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 13, 2025, Indiabulls Housing Finance Ltd is Overvalued by 50.67% compared to the current share price 167.00

Last 5 Year EPS CAGR: -14.01%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -142.36, which is a positive sign. The company has shown consistent growth in sales (9.42 cr) and profit (2.08 cr) over the years.	The stock has a low average ROCE of 10.45%, which may not be favorable. The stock has a high average Cash Conversion Cycle of 0.45, which may not be favorable. The company has higher borrowings (65,687.08) compared to reserves (12,963.25), which may suggest financial risk.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Indiabulls Housing Finance Ltd:
1. Net Profit Margin: 14.32%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 34.24% (Industry Average ROCE: 11.06%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 6.13% (Industry Average ROE: 13.49%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.23
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 1.33
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 6.77 (Industry average Stock P/E: 11.36)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 2.45
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

No data availabale for About the Company

INDUSTRY	ADDRESS	CONTACT
Industry not found	Address not found	Contact not found

Management Data not Available

FAQ

What is the latest intrinsic value of Indiabulls Housing Finance Ltd?

The latest intrinsic value of Indiabulls Housing Finance Ltd as on 03 February 2025 is ₹95.80, which is 42.63% lower than the current market price of ₹167.00, indicating the stock is overvalued by 42.63%. The stock has a market capitalization of 8,279 Cr. and recorded a high/low of 209/115 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹19,679 Cr and total liabilities of 73,066 Cr.

What is the Market Cap of Indiabulls Housing Finance Ltd?

The Market Cap of Indiabulls Housing Finance Ltd is 8,279 Cr..

What is the current Stock Price of Indiabulls Housing Finance Ltd as on 03 February 2025?

The current stock price of Indiabulls Housing Finance Ltd as on 03 February 2025 is 167.

What is the High / Low of Indiabulls Housing Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Indiabulls Housing Finance Ltd stocks is 209/115.

What is the Stock P/E of Indiabulls Housing Finance Ltd?

The Stock P/E of Indiabulls Housing Finance Ltd is 6.77.

What is the Book Value of Indiabulls Housing Finance Ltd?

The Book Value of Indiabulls Housing Finance Ltd is 268.

What is the Dividend Yield of Indiabulls Housing Finance Ltd?

The Dividend Yield of Indiabulls Housing Finance Ltd is 0.76 %.

What is the ROCE of Indiabulls Housing Finance Ltd?

The ROCE of Indiabulls Housing Finance Ltd is 10.1 %.

What is the ROE of Indiabulls Housing Finance Ltd?

The ROE of Indiabulls Housing Finance Ltd is 6.55 %.

What is the Face Value of Indiabulls Housing Finance Ltd?

The Face Value of Indiabulls Housing Finance Ltd is 2.00.