Check Before You Invest : Haryana Financial Corporation Ltd

BSE: 530927 NSE: ISIN: INE737G01016

| Sector: BFSI | Industry: Finance Term Lending

Snapshot

Q.1 Which industry/sub-sector does Haryana Financial Corporation Ltd belong to?

Haryana Financial Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance Term Lending segment.

Q.2 Is Haryana Financial Corporation Ltd a good quality company?

Haryana Financial Corporation Ltd is a weak quality company, based on a inconsistent 9-year financial track record.

Q.3 Is Haryana Financial Corporation Ltd undervalued or overvalued?

Haryana Financial Corporation Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Haryana Financial Corporation Ltd a good buy now?

Haryana Financial Corporation Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Operating Income growth is -69.34% for FY-2025, which is below its 5-year CAGR of -30.39%, indicating slower growth.

Q.2 Return on Assets of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Return on Asset is -0%, which is below its 5-year historical median of 0.9%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	-2.51	70.22
PPOP%	-100	100
RoA%	-	0.9

Q.3 Return on Equity (ROE) of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Return on Equity is -0% for FY-2025, which is below its 5-year historical median of 1.4%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -100% for FY-2025, which is below its 5-year median(100%), indicating decreasing margins.

Q.5 Net Profit Margin of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is -2.51% for FY-2025, which is below its 5-year median( 70.22%), indicating decreasing margins.

Q.6 Total Asset growth of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Total Asset growth is -0.51% for FY-2025, which is below its 5-year CAGR of 1.93%, indicating slower growth.

Q.7 Capital Adequacy ratio of Haryana Financial Corporation Ltd?

Haryana Financial Corporation Ltd Capital Adequacy ratio (CAR) is 78.50% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Haryana Financial Corporation Ltd?

Promoters hold 99.36% of the Haryana Financial Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Haryana Financial Corporation Ltd vs Industry Peers?

Haryana Financial Corporation Ltd AUM CAGR is 1.93%, compared to the 5-year industry median CAGR of 3.91%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Haryana Financial Corporation Ltd vs industry peers

Haryana Financial Corporation Ltd profit metrics are in line with the industry median level of 3.13%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	-2.51	4.47
PPOP%	-100	3.91
RoA%	-	1

Q.3 Operating efficiency of Haryana Financial Corporation Ltd vs industry peers?

Haryana Financial Corporation Ltd ROCE (9.65) is above the industry median of (9.28); while the current ROE (1.4) are below than the 5-year average Industry ROE (5.8). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	-2.51	4.47
PPOP%	-100	3.91
RoA%	-	1
ROCE%	-	9.28
ROE%	-	5.8

Valuation & price assessment

Q.1 Stock return of Haryana Financial Corporation Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 9.8% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	9.8%	20.6%	36.7%	116.9%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	161.51	352.32	13.28
Price to Book	5.62	5.32	1.13
Price to Sales	18689.23	2954.68	4.77
EV to EBITDA	155.06	-470.97	10.31

Q.4 Valuation ratios of Haryana Financial Corporation Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 5.62% is higher than its historical median of 5.32%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Haryana Financial Corporation Ltd return on invested capital (ROIC) is -0.01% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check more companies

1. IFCI

2. Tourism Finance Corp

3. Satin Creditcare

4. Haryana Finanl. Corp

5. Finbud Financial

6. Guj. State Fin. Corp

7. TruCap Finance

8. Mahaveer Finance Ind

9. NHIT

10. Phoenix Real Time

Check trending companies

1. Yes Bank Ltd.

2. RBL Bank Ltd.

3. Samvardhana Motherson International Ltd.

4. Jindal Saw Ltd.

5. Union Bank Of India