Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated: April 2, 2026, 3:01 am
Author: Getaka|Social: XLinkedIn

HB Stockholdings Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹196.31Undervalued by 345.15%vs CMP ₹44.10

P/E (15.0) × ROE (12.4%) × BV (₹129.00) × DY (2.27%)

Defaults: P/E=15

₹98.53Undervalued by 123.42%vs CMP ₹44.10
MoS: +55.2% (Strong)Confidence: 40/100 (Low)Models: 3 Under, 2 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹97.2431%Under (+120.5%)
Earnings PowerEarnings₹34.0119%Over (-22.9%)
Net Asset ValueAssets₹130.2019%Under (+195.2%)
EV/EBITDAEnterprise₹4.2616%Over (-90.3%)
ROCE CapitalReturns₹234.7916%Under (+432.4%)
Consensus (5 models)₹98.53100%Undervalued
Key Drivers: EPS CAGR -50.5% drags value — could be higher if earnings stabilize. | Wide model spread (₹4–₹235) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -50.5% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

49
HB Stockholdings Ltd scores 49/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health63/100 · Moderate
ROCE 9.3% AverageROE 12.4% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 53.2% Stable
Earnings Quality40/100 · Moderate
Working capital: 1,389 days Capital intensive
Quarterly Momentum40/100 · Moderate
Profit (4Q): -166% YoY Declining
Industry Rank50/100 · Moderate
ROCE 9.3% vs industry 15.8% Below peersROE 12.4% vs industry 8.8% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

HB Stockholdings Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
30/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 0.0 vs Ind 101.6 | ROCE 9.3% | ROE 12.4% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 14.25x | Borrow/Reserve 0.00x
Cash Flow Reliability
86/100
Strong
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹-12 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII 0.00 pp | DII N/A | Prom 0.00 pp
Business Momentum
0
Watch closely
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP -161.7% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+123.4%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change0.00 ppLatest FII% minus previous FII%
DII ChangeN/ALatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-61Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change-161.7%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:01 am

Market Cap 31.5 Cr.
Current Price 44.1
Intrinsic Value₹98.53
High / Low 137/41.5
Stock P/E
Book Value 129
Dividend Yield2.27 %
ROCE9.27 %
ROE12.4 %
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for HB Stockholdings Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 15.2 Cr. 1.52 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 5.72 Cr. 0.57 2.05/0.558.54 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 435 Cr. 62.3 123/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 12.4 Cr. 13.5 24.7/12.010.2 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 20.9 Cr. 46.4 138/42.111.3 2382.16 %2.46 %2.17 % 10.0
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of HB Stockholdings Ltd

Quarterly Result

MetricSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Revenue8.163.610.4510.3813.1015.155.7410.022.010.320.2810.100.41
Interest 0.000.020.020.030.020.020.020.030.030.050.490.320.31
Expenses 0.460.557.390.501.030.550.740.831.1912.747.161.095.30
Financing Profit7.703.04-6.969.8512.0514.584.989.160.79-12.47-7.378.69-5.20
Financing Margin %94.36%84.21%-1,546.67%94.89%91.98%96.24%86.76%91.42%39.30%-3,896.88%-2,632.14%86.04%-1,268.29%
Other Income 0.000.000.010.000.000.010.060.010.010.010.010.000.05
Depreciation 0.060.080.080.090.090.090.090.100.100.100.100.100.06
Profit before tax 7.642.96-7.039.7611.9614.504.959.070.70-12.56-7.468.59-5.21
Tax % 0.26%-3.72%0.00%0.00%10.70%12.14%12.32%29.00%82.86%-8.92%-4.16%13.15%-11.71%
Net Profit 7.623.08-7.039.7610.6912.744.356.450.13-11.44-7.167.46-4.60
EPS in Rs 10.684.32-9.8513.6714.9817.856.099.040.18-16.03-10.0310.45-6.44
Gross NPA %
Net NPA %

Last Updated: February 5, 2026, 6:04 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 8:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue13.34-0.263.8415.182.033.481.9713.2017.712.9944.431.5512.18
Interest 0.160.19-0.00-0.000.040.060.040.030.010.040.100.601.44
Expenses 3.042.872.773.151.938.779.231.311.804.792.7910.7918.89
Financing Profit10.14-3.321.0712.030.06-5.35-7.3011.8615.90-1.8441.54-9.84-8.15
Financing Margin %76.01%1,276.92%27.86%79.25%2.96%-153.74%-370.56%89.85%89.78%-61.54%93.50%-634.84%-66.91%
Other Income 0.05-0.00-0.00-0.00-0.00-0.000.180.050.01-0.00-0.00-0.000.10
Depreciation 0.100.270.110.090.190.230.220.190.190.270.360.380.32
Profit before tax 10.09-3.590.9611.94-0.13-5.58-7.3411.7215.72-2.1141.18-10.22-8.37
Tax % 12.49%1.39%12.50%11.47%323.08%3.94%0.14%-0.26%3.44%-4.74%8.81%17.51%
Net Profit 5.54-2.243.4511.62-0.55-5.79-7.3511.7515.19-2.0137.54-12.01-8.04
EPS in Rs 2.33-0.941.454.88-0.77-8.11-10.3016.4621.28-2.8252.59-16.83-11.26
Dividend Payout % -0.00%-0.00%-0.00%-0.00%-0.00%-0.00%-0.00%-0.00%5.06%-38.21%3.07%-6.39%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-140.43%254.02%236.81%-104.73%-952.73%-26.94%259.86%29.28%-113.23%1967.66%-131.99%
Change in YoY Net Profit Growth (%)0.00%394.45%-17.21%-341.54%-847.99%925.78%286.81%-230.59%-142.51%2080.89%-2099.65%

HB Stockholdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:%
5 Years:-5%
3 Years:-56%
TTM:-71%
Compounded Profit Growth
10 Years:%
5 Years:-18%
3 Years:%
TTM:-132%
Stock Price CAGR
10 Years:43%
5 Years:71%
3 Years:10%
1 Year:-49%
Return on Equity
10 Years:6%
5 Years:14%
3 Years:9%
Last Year:-12%

Last Updated: September 5, 2025, 5:50 am

Balance Sheet

Last Updated: February 1, 2026, 12:45 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 24242424888888888
Reserves 113110114125363023456158958285
Borrowing000011000111412
Other Liabilities 149972922521634
Total Liabilities 151144147157744033587168110106108
Fixed Assets 1100111112211
CWIP 0000000000000
Investments 12110310311224138464745828387
Other Assets 29414344492623122322252320
Total Assets 151144147157744033587168110106108

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 8.40-6.44-0.413.06-2.911.60-1.495.37-12.07-2.8933.28-5.04
Cash from Investing Activity + -0.030.000.000.21-1.18-0.010.00-4.2615.23-1.46-31.16-2.22
Cash from Financing Activity + -2.95-0.190.000.000.62-0.22-0.22-0.22-0.220.72-0.0412.45
Net Cash Flow 5.42-6.62-0.413.27-3.461.38-1.710.902.94-3.642.085.19
Free Cash Flow 8.37-6.44-0.413.06-4.091.59-1.495.36-12.07-4.1132.67-5.05
CFO/OP 92%164%-27%29%-2,860%-37%20%45%-75%129%80%14%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow3.042.872.773.150.937.779.231.311.803.791.79-3.21

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 72-3,1590000000000
Inventory Days 0
Days Payable
Cash Conversion Cycle 72-3,1590000000000
Working Capital Days 33237,2583,2607822,7066091,1642179688171,389
ROCE %8%-2%1%8%-0%-13%-21%28%26%-3%48%-9%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 53.22%53.22%53.22%53.22%53.22%53.22%53.22%53.22%53.22%53.22%53.22%53.22%
FIIs 0.00%0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Public 46.76%46.77%46.77%46.77%46.76%46.78%46.78%46.79%46.78%46.78%46.78%46.77%
No. of Shareholders 37,75237,23036,68737,10436,02736,37737,17239,79139,91239,50939,27039,209

Shareholding Pattern Chart

No. of Shareholders

HB Stockholdings Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) -16.8352.59-2.8221.2816.47
Diluted EPS (Rs.) -16.8352.59-2.8221.2816.47
Cash EPS (Rs.) -15.1449.34-2.2720.0215.54
Book Value[Excl.RevalReserv]/Share (Rs.) 117.18134.2585.9289.5369.20
Book Value[Incl.RevalReserv]/Share (Rs.) 117.18134.2585.9289.5369.20
Revenue From Operations / Share (Rs.) 1.9757.763.8823.0617.18
PBDIT / Share (Rs.) -12.0354.20-2.3520.7415.54
PBIT / Share (Rs.) -12.5253.73-2.7020.4915.30
PBT / Share (Rs.) -13.3153.60-2.7520.4815.26
Net Profit / Share (Rs.) -15.6448.87-2.6219.7715.30
NP After MI And SOA / Share (Rs.) -15.6448.87-2.6219.7715.30
PBDIT Margin (%) -609.8993.83-60.4789.9390.47
PBIT Margin (%) -635.0993.01-69.5788.8789.05
PBT Margin (%) -674.7892.80-70.9288.8088.83
Net Profit Margin (%) -793.1984.60-67.5585.7489.07
NP After MI And SOA Margin (%) -793.1984.60-67.5585.7489.07
Return on Networth / Equity (%) -13.3436.40-3.0522.0822.11
Return on Capital Employeed (%) -10.4138.16-3.0822.3321.64
Return On Assets (%) -11.2834.26-2.9521.4820.16
Total Debt / Equity (X) 0.150.010.010.000.00
Asset Turnover Ratio (%) 0.010.490.040.270.28
Current Ratio (X) 7.3775.4967.10313.3214.25
Quick Ratio (X) 7.3775.4967.10313.3214.25
Dividend Payout Ratio (NP) (%) -8.911.900.000.000.00
Dividend Payout Ratio (CP) (%) -9.201.880.000.000.00
Earning Retention Ratio (%) 108.9198.100.000.000.00
Cash Earning Retention Ratio (%) 109.2098.120.000.000.00
Interest Coverage Ratio (X) -15.37438.21-44.821219.17408.12
Interest Coverage Ratio (Post Tax) (X) -18.99396.11-49.071163.40402.80
Enterprise Value (Cr.) 61.7160.4135.4833.0611.36
EV / Net Operating Revenue (X) 40.751.3611.911.870.86
EV / EBITDA (X) -6.681.45-19.692.080.95
MarketCap / Net Operating Revenue (X) 37.091.4111.852.100.94
Retention Ratios (%) 108.9198.090.000.000.00
Price / BV (X) 0.620.600.530.540.23
Price / Net Operating Revenue (X) 37.101.4111.852.100.94
EarningsYield -0.210.60-0.050.400.94

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

HB Stockholdings Ltd. is a Public Limited Listed company incorporated on 30/07/1985 and has its registered office in the State of Haryana, India. Company's Corporate Identification Number(CIN) is L65929HR1985PLC033936 and registration number is 033936. Currently Company is involved in the business activities of Trusts, funds and other financial vehicles. Company's Total Operating Revenue is Rs. 1.51 Cr. and Equity Capital is Rs. 7.68 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Plot No.31, Gurgaon Haryana 122001Contact not found
Management
NamePosition Held
Mr. Lalit BhasinExecutive Chairman
Mr. Anil GoyalDirector
Mr. Ashish KapurDirector
Mrs. Asha MehraDirector
Mrs. Urvija ShahDirector
Mr. Yash Kumar SehgalDirector
Mrs. Anita JainDirector

FAQ

What is the intrinsic value of HB Stockholdings Ltd and is it undervalued?

As of 05 April 2026, HB Stockholdings Ltd's intrinsic value is ₹98.53, which is 123.42% higher than the current market price of ₹44.10, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (12.4 %), book value (₹129), dividend yield (2.27 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of HB Stockholdings Ltd?

HB Stockholdings Ltd is trading at ₹44.10 as of 05 April 2026, with a FY2026-2027 high of ₹137 and low of ₹41.5. The stock is currently near its 52-week low. Market cap stands at ₹31.5 Cr..

How does HB Stockholdings Ltd's P/E ratio compare to its industry?

HB Stockholdings Ltd has a P/E ratio of , which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is HB Stockholdings Ltd financially healthy?

Key indicators for HB Stockholdings Ltd: ROCE of 9.27 % is on the lower side compared to the industry average of 15.81%. Dividend yield is 2.27 %.

Is HB Stockholdings Ltd profitable and how is the profit trend?

HB Stockholdings Ltd reported a net profit of ₹-12 Cr in Mar 2025 on revenue of ₹2 Cr. Compared to ₹15 Cr in Mar 2022, the net profit shows a declining trend.

Does HB Stockholdings Ltd pay dividends?

HB Stockholdings Ltd has a dividend yield of 2.27 % at the current price of ₹44.10. This is a relatively attractive yield for income-seeking investors.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in HB Stockholdings Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Explore Industry-wise Stock Analysis Reports