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 finance sector, specializing in housing finance. As of September 2023, the company’s stock price stood at ₹167, with a market capitalization of ₹8,279 Cr. Over recent quarters, the company has exhibited fluctuating revenue trends. Sales recorded in September 2023 reached ₹2,227 Cr, a slight increase from ₹2,075 Cr in March 2023, but a decline from ₹2,339 Cr in December 2022. The trailing twelve months (TTM) sales were reported at ₹8,542 Cr, down from ₹8,719 Cr in the previous fiscal year. This indicates a potential slowdown in revenue generation, which is critical for assessing future growth prospects. The company’s operational efficiency is reflected in its operating profit margin (OPM) of 80%, showcasing robust cost management despite revenue challenges. The recent quarterly performance suggests that while there are signs of recovery, the overall trend remains concerning, requiring close monitoring of future sales performance.
Profitability and Efficiency Metrics
Indiabulls Housing Finance Ltd has demonstrated varying profitability metrics over the years. For the fiscal year ending March 2023, the net profit stood at ₹1,130 Cr, a decline from ₹1,178 Cr in March 2022. The company’s return on equity (ROE) was recorded at 6.55%, while the return on capital employed (ROCE) was reported at 10.1%. These figures suggest that the company is generating moderate returns on its equity and capital, which are critical indicators of financial health. The interest coverage ratio (ICR) was 1.33x, indicating that the company can cover its interest expenses, though the margin is relatively thin. This could pose a risk if profitability does not improve. Additionally, the operating profit margin (OPM) stood at 80%, reflecting strong operational efficiency. However, the decline in net profit and fluctuating expenses necessitate strategic initiatives to enhance profitability moving forward, especially in a competitive housing finance market.
Balance Sheet Strength and Financial Ratios
Indiabulls Housing Finance Ltd’s balance sheet reveals a significant reliance on borrowings, which totaled ₹48,493 Cr as of March 2024. This is a decrease from ₹52,403 Cr in March 2023, indicating some progress in managing debt levels. The company reported reserves amounting to ₹19,679 Cr, which provides a buffer against financial volatility. The price-to-book value (P/BV) ratio was noted at 0.48x, suggesting that the stock is trading below its intrinsic book value, which could attract value investors. However, the total debt-to-equity ratio stood at 2.45x, indicating high leverage, which could be a concern in a rising interest rate environment. The interest coverage ratio of 1.33x further underscores the need for improved profitability to ensure sufficient earnings to cover interest obligations. The overall financial ratios depict a company that is managing its balance sheet moderately well but still faces risks from high leverage and dependency on external financing.
Shareholding Pattern and Investor Confidence
Details regarding the shareholding pattern of Indiabulls Housing Finance Ltd remain unspecified, which presents a challenge in assessing investor confidence. The absence of data on the distribution among promoters, foreign institutional investors (FIIs), domestic institutional investors (DIIs), and the public limits insights into the ownership dynamics and potential voting power within the company. Nevertheless, the current market capitalization of ₹8,279 Cr and the P/E ratio of 6.77 indicate that the stock may be undervalued compared to industry standards, which could potentially attract institutional investors seeking value. While the company’s financial performance has shown some resilience, the lack of clarity on shareholding could lead to uncertainty among potential investors. For sustained growth, Indiabulls Housing Finance Ltd must focus on enhancing transparency and engaging with its shareholder base effectively.
Outlook, Risks, and Final Insight
Looking ahead, Indiabulls Housing Finance Ltd faces both opportunities and challenges. The company’s strong operational efficiency, as evidenced by an OPM of 80%, and its significant reserves of ₹19,679 Cr position it favorably to navigate market fluctuations. However, the high leverage indicated by a debt-to-equity ratio of 2.45x and a declining net profit trend could pose substantial risks, particularly in an uncertain economic landscape. The company’s ability to enhance profitability and manage its debt levels will be crucial for future growth. Furthermore, maintaining investor confidence through improved communication and transparency will be essential. Should the company successfully address these challenges, it may leverage its operational strengths to drive growth. Conversely, failure to stabilize profitability and manage its debt could hinder its ability to capitalize on market opportunities, necessitating careful strategic planning moving forward.
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 | 39.8 Cr. | 39.8 | 55.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,478 Cr. | 1,104 | 1,519/839 | 25.4 | 388 | 0.34 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,238 Cr. | 285 | 365/268 | 16.9 | 93.0 | 1.58 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,584 Cr. | 413 | 464/308 | 5.92 | 557 | 0.97 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 24,592 Cr. | 945 | 1,142/746 | 11.2 | 690 | 0.53 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,429.20 Cr | 421.11 | 11.48 | 332.03 | 0.99% | 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: 11.48)
- 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 30 December 2025) is 95.80 which is 42.63% 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 30 December 2025?
The current stock price of Indiabulls Housing Finance Ltd as on 30 December 2025 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.