Share Price and Basic Stock Data
Last Updated: July 26, 2024, 11:44 am
| PEG Ratio | -0.48 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indiabulls Housing Finance Ltd operates within the housing finance sector, recording a market capitalization of ₹8,279 Cr and a share price of ₹167. The company has demonstrated fluctuating revenue trends over recent quarters. In the latest quarter, September 2023, sales stood at ₹2,227 Cr, reflecting a notable recovery from the preceding quarter’s ₹1,900 Cr. However, compared to the same quarter last year, this figure shows a slight decline from ₹2,230 Cr in September 2022. Over the last fiscal year, total sales for March 2023 were reported at ₹8,719 Cr, down from ₹8,988 Cr in March 2022, indicating a challenging operating environment. The company’s operating profit margin (OPM) remains robust at 80%, showcasing its ability to maintain efficiency despite revenue pressures. The quarterly operating profit for September 2023 was ₹1,779 Cr, which aligns closely with the previous quarter’s ₹1,753 Cr, indicating stability in operational performance.
Profitability and Efficiency Metrics
Indiabulls Housing Finance Ltd has reported a net profit of ₹1,146 Cr for the trailing twelve months, with a corresponding P/E ratio of 6.77, suggesting a relatively attractive valuation compared to industry norms. The return on equity (ROE) stood at 6.55%, while the return on capital employed (ROCE) was higher at 10.1%, reflecting efficient use of capital in generating profits. The company’s interest coverage ratio (ICR) is 1.33x, indicating that it generates sufficient operating income to cover its interest expenses. Interestingly, the OPM of 80% signifies strong control over operating costs, particularly in an industry often characterized by thin margins. However, the declining net profit margin from 14.32% in March 2023 to 12.95% in March 2022 raises concerns about long-term profitability sustainability. Overall, while the company maintains solid operational efficiency, its profitability metrics suggest increasing competitive pressures.
Balance Sheet Strength and Financial Ratios
Indiabulls Housing Finance Ltd’s balance sheet reveals a total borrowing of ₹48,493 Cr, juxtaposed against reserves of ₹19,679 Cr. The total debt-to-equity ratio stands at 2.45, indicating a leveraged position that may pose risks in an adverse economic environment. The company has seen a reduction in borrowings from ₹52,403 Cr in March 2023, reflecting a strategic effort to manage debt levels. The book value per share is reported at ₹350.21, while the price-to-book value ratio of 0.48x suggests that the stock is trading at a discount relative to its net assets. The current ratio of 1.33 indicates sufficient liquidity to cover short-term liabilities, which is a positive sign for operational flexibility. However, the decline in total assets from ₹74,945 Cr in March 2023 to ₹73,066 Cr in March 2024 suggests a tightening of resources that could limit growth potential.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Indiabulls Housing Finance Ltd lacks detailed disclosures regarding promoter and institutional investor stakes, which complicates the assessment of investor confidence. The absence of information on Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) may raise concerns about the company’s attractiveness to institutional investors, potentially impacting liquidity and market sentiment. However, the company’s strong operational metrics and favorable valuation ratios could appeal to retail investors looking for value opportunities in the housing finance sector. The stock’s current trading levels, coupled with a relatively low P/B ratio, may attract interest from value-oriented investors. Nevertheless, the lack of transparency in shareholding could deter some investors, highlighting the importance of enhanced communication and reporting practices to bolster confidence among stakeholders.
Outlook, Risks, and Final Insight
Looking forward, Indiabulls Housing Finance Ltd faces a mixed outlook. The company’s ability to maintain its operating profit margin in a competitive landscape, coupled with its efforts to manage debt levels, will be critical in navigating potential market fluctuations. Key risks include the elevated debt-to-equity ratio, which could strain financial resources during economic downturns, and the declining profit margins, which may indicate rising operational costs or competitive pressures. Additionally, the lack of comprehensive shareholder data might hinder investor confidence. Conversely, the company’s strong OPM and sound liquidity position present opportunities for operational resilience. If Indiabulls can effectively leverage its strengths while addressing its risks, it could position itself favorably in the evolving housing finance landscape, appealing to both retail and institutional investors who prioritize stability and growth potential.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 41.1 Cr. | 41.1 | 53.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,063 Cr. | 1,064 | 1,519/839 | 24.4 | 388 | 0.35 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 13,397 Cr. | 268 | 365/264 | 15.9 | 93.0 | 1.68 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,510 Cr. | 402 | 464/308 | 5.75 | 557 | 1.00 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 25,052 Cr. | 961 | 1,142/746 | 11.4 | 690 | 0.52 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,336.20 Cr | 416.63 | 11.07 | 332.03 | 1.02% | 48.21% | 13.33% | 5.64 |
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.
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% |
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.
No data available for the compounded sales growth chart.
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.
Cash Flow - 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.
No data available for the Financial Efficiency data table.
No data available for the Shareholding
No data available for the Shareholding Pattern chart.
No data available for the No. of Shareholders chart.
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Tata Arbitrage Fund | 7,688,400 | 0.59 | 118.22 | 6,974,600 | 2025-12-15 03:44:21 | 10.23% |
| DSP Arbitrage Fund | 4,863,300 | 1.12 | 74.78 | 5,744,800 | 2025-12-15 03:44:21 | -15.34% |
| SBI Equity Savings Fund | 3,061,600 | 0.78 | 47.08 | 2,997,100 | 2025-12-15 03:44:21 | 2.15% |
| UTI Arbitrage Fund | 2,975,600 | 0.43 | 45.75 | 2,038,200 | 2025-12-15 03:44:21 | 45.99% |
| Mirae Asset Arbitrage Fund | 1,995,200 | 0.81 | 30.68 | 2,102,700 | 2025-12-15 01:57:06 | -5.11% |
| Edelweiss Equity Savings Fund | 374,100 | 0.52 | 5.75 | N/A | N/A | N/A |
| Union Arbitrage Fund | 236,500 | 1.33 | 3.64 | N/A | N/A | N/A |
| NJ Balanced Advantage Fund | 202,100 | 0.08 | 3.11 | N/A | N/A | N/A |
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.
Strength and Weakness
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:
- 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.
- ROCE: 34.24% (Industry Average ROCE: 48.21%)
- 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.
- ROE%: 6.13% (Industry Average ROE: 13.33%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- 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.
- 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.
- Stock P/E: 6.77 (Industry average Stock P/E: 11.07)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 14.32%
About the Company - Indiabulls Housing Finance Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | 5th Floor, Building No. 27, K G Marg, Connaught Place, New Delhi Delhi 110001 | helpdesk@indiabulls.com http://www.indiabullshomeloans.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Subhash Sheoratan Mundra | Non Exe.Ind.Chairman |
| Mr. Gagan Banga | VC & Mng.Director & CEO |
| Mr. Sachin Chaudhary | Executive Director |
| Mr. Achuthan Siddharth | Independent Director |
| Justice(Retd) Gyan Sudha Misra | Independent Director |
| Mr. Satish Chand Mathur | Independent Director |
| Mr. Dinabandhu Mohapatra | Independent Director |
| Mr. Rajiv Gupta | Nominee Director |
Indiabulls Housing Finance Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹163.00 |
| Previous Day | ₹162.85 |
FAQ
What is the intrinsic value of Indiabulls Housing Finance Ltd?
Indiabulls Housing Finance Ltd's intrinsic value (as of 20 January 2026) is ₹82.38 which is 50.67% lower the current market price of ₹167.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹8,279 Cr. market cap, FY2025-2026 high/low of ₹209/115, reserves of ₹19,679 Cr, and 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 20 January 2026?
The current stock price of Indiabulls Housing Finance Ltd as on 20 January 2026 is ₹167.
What is the High / Low of Indiabulls Housing Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, 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.