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Last Updated: July 26, 2024, 11:44 am
Author: Getaka|Social: XLinkedIn

Indiabulls Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹95.80Overvalued by 42.63%vs CMP ₹167.00

P/E (6.8) × ROE (6.6%) × BV (₹268.00) × DY (0.76%)

₹475.34Undervalued by 184.63%vs CMP ₹167.00
MoS: +64.9% (Strong)Confidence: 50/100 (Moderate)Models: 5 Under, 2 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹82.3729%Over (-50.7%)
Graham NumberEarnings₹381.9221%Under (+128.7%)
Net Asset ValueAssets₹399.239%Under (+139.1%)
EV/EBITDAEnterprise₹216.7812%Under (+29.8%)
Earnings YieldEarnings₹241.909%Under (+44.9%)
ROCE CapitalReturns₹2,364.5612%Under (+1315.9%)
Revenue MultipleRevenue₹87.947%Over (-47.3%)
Consensus (7 models)₹475.34100%Undervalued
Key Drivers: Wide model spread (₹82–₹2,365) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -14.0%

*Investments are subject to market risks

Investment Snapshot

44
Indiabulls Housing Finance Ltd scores 44/100 (Weak)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health50/100 · Moderate
ROCE 10.1% AverageROE 6.6% AverageD/E 5.13 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
Earnings Quality50/100 · Moderate
OPM stable around 86% Steady
Quarterly Momentum40/100 · Moderate
Revenue (4Q): -3% YoY FlatProfit (4Q): -3% YoY Declining
Industry Rank20/100 · Weak
P/E 6.8 vs industry 9.1 In-lineROCE 10.1% vs industry 48.2% Below peersROE 6.6% vs industry 13.3% Below peers3Y sales CAGR: -13% Shrinking

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.

Share Price and Basic Stock Data

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

Market Cap 8,279 Cr.
Current Price 167
Intrinsic Value₹475.34
High / Low209/115
Stock P/E6.77
Book Value 268
Dividend Yield0.76 %
ROCE10.1 %
ROE6.55 %
Face Value 2.00
PEG Ratio-0.48

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

View Share Price Target for Indiabulls Housing Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Home First Finance Company India Ltd 9,916 Cr. 950 1,519/83920.0 3860.39 %11.4 %16.5 % 2.00
Aptus Value Housing Finance India Ltd 10,200 Cr. 204 365/19311.5 93.02.21 %15.0 %18.6 % 2.00
Can Fin Homes Ltd 10,843 Cr. 814 972/61511.1 4101.47 %9.34 %18.2 % 2.00
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of Indiabulls Housing Finance Ltd

Quarterly Result

MetricSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Sales 2,5342,5132,3722,3212,2332,2742,1892,0752,2302,3392,0751,9002,227
Expenses 353346448386254257256179406522293147448
Operating Profit 2,1812,1671,9241,9351,9792,0181,9331,8971,8241,8171,7821,7531,779
OPM % 86%86%81%83%89%89%88%91%82%78%86%92%80%
Other Income 47150503232141315
Interest 1,7921,7061,5941,5521,5711,5771,5431,4951,4101,3891,3421,3541,350
Depreciation 22252319192020182323221923
Profit before tax 413437357369390424372386393405422394422
Tax % 22%25%23%24%27%29%18%26%26%28%38%25%29%
Net Profit 323329276282286303307287289291263294298
EPS in Rs 4.664.753.984.064.134.344.364.054.094.113.714.164.14

Last Updated: Unknown

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Sales 4,7305,8907,2439,22111,62814,95217,02013,2199,9988,9888,7198,542
Expenses 5146328161,1051,4852,0331,6542,0401,4291,1191,4001,411
Operating Profit 4,2165,2586,4278,11710,14412,91915,36611,1798,5697,8697,3197,131
OPM % 89%89%89%88%87%86%90%85%86%88%84%83%
Other Income 48149462662296833
Interest 2,5993,2823,9444,9716,4118,0109,7268,5126,9396,2425,6365,435
Depreciation 98192023374310897778686
Profit before tax 1,6551,9822,4733,1293,7724,8785,6042,5611,5621,5561,6061,643
Tax % 24%21%23%25%23%21%28%15%23%24%30%
Net Profit 1,2661,5691,9012,3452,9063,8954,0912,2001,2021,1781,1301,146
EPS in Rs 40.2746.8353.4755.6668.5791.3395.7151.4525.9925.1323.9524.19
Dividend Payout % 50%62%50%81%39%45%42%59%33%0%5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-2023
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

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital 6267718485858584898990113
Reserves 5,0065,6396,56110,61012,03814,27316,39715,45416,04516,58517,27219,679
Borrowings 31,28635,54047,48761,08585,301111,056105,75679,67468,80561,35952,40348,493
Other Liabilities 2,7873,1723,1103,9356,2747,1887,8667,6608,2993,9405,1804,781
Total Liabilities 39,14144,41757,22975,714103,697132,603130,104102,87293,23881,97374,94573,066
Fixed Assets 58115123136169169214450295327433325
CWIP 000000000000
Investments 2,3082,9476,16410,69313,61714,79219,71712,2776,1465,5465,3707,192
Other Assets 36,77541,35450,94264,88689,912117,642110,17390,14586,79676,10069,14265,549
Total Assets 39,14144,41757,22975,714103,697132,603130,104102,87293,23881,97374,94573,066

Reserves and Borrowings Chart

Cash Flow - No data available for this post.

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 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

No data available for the Financial Efficiency data table.

Financial Efficiency Indicators Chart

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 NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Tata Arbitrage Fund 8,122,700 0.6 122.428,221,6002026-02-23 07:29:44-1.2%
DSP Arbitrage Fund 4,613,900 1.01 69.544,592,4002026-02-23 07:29:440.47%
SBI Equity Savings Fund 3,061,600 0.79 46.142,997,1002025-12-15 03:44:212.15%
NJ Balanced Advantage Fund 2,433,800 1.02 36.68202,1002026-02-23 07:29:441104.26%
UTI Arbitrage Fund 2,416,600 0.33 36.421,771,6002026-02-23 07:21:2136.41%
NJ Arbitrage Fund 765,400 4.27 11.54N/AN/AN/A
Mirae Asset Arbitrage Fund 743,900 0.31 11.21989,0002026-02-23 07:29:44-24.78%
Bank of India Arbitrage Fund 133,300 4.25 2.01N/AN/AN/A
Union Arbitrage Fund 73,100 0.38 1.1236,5002026-02-23 07:29:44-69.09%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 23.7825.1926.4227.7251.70
Diluted EPS (Rs.) 23.5325.0526.3427.7251.69
Cash EPS (Rs.) 22.9927.0928.1729.1554.25
Book Value[Excl.RevalReserv]/Share (Rs.) 350.21387.01374.24362.27370.69
Book Value[Incl.RevalReserv]/Share (Rs.) 350.21387.01374.24362.27370.69
Revenue From Operations / Share (Rs.) 149.96194.37201.62222.91315.32
PBDIT / Share (Rs.) 124.57163.31176.74193.06266.75
PBIT / Share (Rs.) 123.07161.40175.01190.88264.17
PBT / Share (Rs.) 29.1735.7534.9235.0761.10
Net Profit / Share (Rs.) 21.4925.1826.4326.9851.67
NP After MI And SOA / Share (Rs.) 21.4925.1826.4326.9852.48
PBDIT Margin (%) 83.0784.0187.6586.6084.59
PBIT Margin (%) 82.0783.0386.7985.6383.78
PBT Margin (%) 19.4518.3917.3115.7319.37
Net Profit Margin (%) 14.3212.9513.1112.1016.38
NP After MI And SOA Margin (%) 14.3212.9513.1112.1016.64
Return on Networth / Equity (%) 6.136.507.067.4414.15
Return on Capital Employeed (%) 34.2440.6416.9816.4220.60
Return On Assets (%) 1.661.501.431.282.13
Long Term Debt / Equity (X) 0.000.001.702.162.40
Total Debt / Equity (X) 2.453.023.684.265.13
Asset Turnover Ratio (%) 0.110.110.090.090.10
Current Ratio (X) 1.331.262.202.202.04
Quick Ratio (X) 1.331.262.202.202.04
Dividend Payout Ratio (NP) (%) 0.000.00-1.2934.6260.01
Dividend Payout Ratio (CP) (%) 0.000.00-1.2132.0557.21
Earning Retention Ratio (%) 0.000.000.0065.3839.99
Cash Earning Retention Ratio (%) 0.000.000.0067.9542.79
Interest Coverage Ratio (X) 1.331.301.261.241.31
Interest Coverage Ratio (Post Tax) (X) 1.231.201.191.171.25
Enterprise Value (Cr.) 53580.7451538.3658737.2960552.6868682.73
EV / Net Operating Revenue (X) 6.325.916.546.105.20
EV / EBITDA (X) 7.617.047.467.046.14
MarketCap / Net Operating Revenue (X) 1.120.500.780.880.30
Retention Ratios (%) 0.000.000.0065.3739.98
Price / BV (X) 0.480.250.420.540.26
Price / Net Operating Revenue (X) 1.120.500.780.880.30
EarningsYield 0.120.250.160.130.54

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Sammaan Capital Ltd. is a Public Limited Listed company incorporated on 10/05/2005 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65922DL2005PLC136029 and registration number is 136029. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company's Total Operating Revenue is Rs. 7610.40 Cr. and Equity Capital is Rs. 165.88 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - HousingA-34, 2nd & 3rd Floor, Lajpat Nagar-II, New Delhi Delhi 110024Contact not found
Management
NamePosition Held
Mr. Subhash Sheoratan MundraChairman(NonExe.&Ind.Director)
Mr. Gagan BangaManaging Director & CEO
Mr. Sachin ChaudharyWhole Time Director
Mrs. Shefali ShahIndependent Director
Mr. Achuthan SiddharthIndependent Director
Mr. Dinabandhu MohapatraIndependent Director
Mr. Rajiv GuptaNominee Director

FAQ

What is the intrinsic value of Indiabulls Housing Finance Ltd and is it undervalued?

As of 14 April 2026, Indiabulls Housing Finance Ltd's intrinsic value is ₹475.34, which is 184.63% higher than the current market price of ₹167.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (6.55 %), book value (₹268), dividend yield (0.76 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Indiabulls Housing Finance Ltd?

Indiabulls Housing Finance Ltd is trading at ₹167.00 as of 14 April 2026, with a FY2026-2027 high of ₹209 and low of ₹115. The stock is currently in the middle of its 52-week range. Market cap stands at ₹8,279 Cr..

How does Indiabulls Housing Finance Ltd's P/E ratio compare to its industry?

Indiabulls Housing Finance Ltd has a P/E ratio of 6.77, which is below the industry average of 9.06. This is broadly in line with or below the industry average.

Is Indiabulls Housing Finance Ltd financially healthy?

Key indicators for Indiabulls Housing Finance Ltd: ROCE of 10.1 % is moderate; ROE of 6.55 % is below ideal levels (industry average: 13.33%). Dividend yield is 0.76 %.

Is Indiabulls Housing Finance Ltd profitable and how is the profit trend?

Indiabulls Housing Finance Ltd reported a net profit of ₹1,130 Cr in Mar 2023 on revenue of ₹8,719 Cr. Compared to ₹2,200 Cr in Mar 2020, the net profit shows a declining trend.

Does Indiabulls Housing Finance Ltd pay dividends?

Indiabulls Housing Finance Ltd has a dividend yield of 0.76 % at the current price of ₹167.00. The company pays dividends, though the yield is modest.

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 Indiabulls Housing Finance 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
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