Indiabulls Housing Finance Ltd Stock Analysis

BSE: 535789 | NSE: IBULHSGFIN | Finance - Housing | Mid Cap

BSE Share Price 02-Dec-2022 18:01
142.70 0.35 (0.25%)

DeciZen - Make an Informed Decision on Indiabulls Housing

Overall Rating

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Indiabulls Housing Price Chart

P/E Ratio (SA) :
8.71
Market Cap :
6,729.7 Cr.
52-wk low :
89
52-wk high :
282.6
Bole Toh?

1. Is Indiabulls Housing Finance Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Indiabulls Housing Finance Ltd is a average quality company.

2. Is Indiabulls Housing Finance Ltd undervalued or overvalued?

The key valuation ratios of Indiabulls Housing Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Indiabulls Housing Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Indiabulls Housing Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Indiabulls Housing:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Indiabulls Housing Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)4,4615,2546,2928,00710,12513,75915,40811,3998,6557,7657,354
YoY Gr. Rt. %-17.8%19.8%27.3%26.5%35.9%12%-26%-24.1%-10.3%-
Adj EPS (₹ ) 39.345.255.654.567.174.787.350.522.914.916.4
YoY Gr. Rt. %-15%23.1%-2.1%23.2%11.4%16.8%-42.1%-54.7%-35.1%-
BVPS (₹ )154.3163.6182.5249.3280362.5400344.8331.9330.4333.1
YoY Gr. Rt. %-6%11.6%36.6%12.3%29.5%10.4%-13.8%-3.8%-0.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)5.23.743.53.22.8321.20.90

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income6.4%-5.2%-20.4%-10.3%
Adj EPS-10.2%-26%-44.6%-35.1%
BVPS8.8%3.4%-6.2%-0.4%
Share Price - -34.4% -20.9% -44.4%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 18.519.118.420.5000000-
Margins
Net Profit Margin (%)27.528.731.428.728.123.224.21912.2910.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)42.529.433.12725.423.322.913.674.54.9

Recent Performance Summary

Total income growth is not so good in last 4 quarters

Return on Equity has declined versus last 3 years average to 4.90%

Total Income has declined -10.91 CAGR in last 3 years

Net Profit has declined -44.57 CAGR in last 3 years

Latest Financials - Indiabulls Housing Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 16.4 25.2
TTM Sales (₹ Cr.) 7,354 8,769
BVPS (₹.) 333.1 359
Reserves (₹ Cr.) 15,612 16,838
P/BV 0.43 0.40
PE 8.71 5.67
From the Market
52 Week Low / High (₹) 89.00 / 282.60
All Time Low / High (₹) 81.25 / 1439.40
Market Cap (₹ Cr.) 6,730
Equity (₹ Cr.) 94.3
Face Value (₹) 2
Industry PE 24.6

Management X-Ray of Indiabulls Housing :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Indiabulls Housing

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

Indiabulls Housing Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Indiabulls Housing on 02-Dec-2022 18:01 is : 142.7.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 02-Dec-2022 18:01 the market cap of Indiabulls Housing stood at ₹ 6,729.7.
The latest PE ratio of Indiabulls Housing as of 02-Dec-2022 18:01 is 8.71.
The latest PB ratio of Indiabulls Housing as of 02-Dec-2022 18:01 is 0.43
The 52-week high of Indiabulls Housing is ₹ 282.6 and the 52-week low is ₹ 89.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Indiabulls Housing is ₹ 7,354 ( Cr.) .

About Indiabulls Housing Finance Ltd

Indiabulls Housing Finance Ltd. (IBHFL) is one of largest housing finance company in the country. Customer delight is and has always been a priority for company. its competency to deliver to its customers quick solution and seamless experiences lies in the expertise of its employees operating out of its national wide  network of branches, its external channel partners and ahead-of-its-me digital platform that offer customized solutions  and round-the-clock service to its customers.

Business area of the economy

The Company is primarily engaged in the business to provide finance. It also undertakes lending and finance to any person or persons, co-operative society, association of persons, body of individuals, companies, institutions, firms, builders, developers, contractors, tenants and others either at interest or without and/or with or without any security for construction, erection, building, repair, remodeling, development, improvement, purchase of houses, apartments, flats, bungalows, rooms, huts, townships and/or other buildings and real estate. Its offerings include home loans for resident Indians, home loans for non-resident Indians (NRIs), loan against property and home loan balance transfer. The Company also offers home renovation loan, rural home loans and home extension loans.

Company’s offerings   

  • Home Loan
  • Home Loan Balance Transfer
  • MSMSE Loans & LAP
  • Home Loans for NRI's
  • Home Renovation Loan
  • Home Extension Loans
  • Rural Home Loans
  • Pradhan Mantri Awas Yojana
  • ECLGS

Awards and Accolades

2011

  • Award for ‘The Best Stall’.
  • Award for ‘The Best Customer Service’.
  • ‘People’s Choice Award for Most Preferred Brand in Housing Finance’.
  • Award for ‘Excellence in Home Loan Banking’.

2012

  • Award for ‘Best Employer Brand’.

2013

  • Award for ‘Best Housing Finance Company of the Year’.
  • Award for ‘Housing Finance Company of the Year’.

2014

  • Award for ‘Fastest Growing Housing Finance Company of the Year 2013-14’.

2015

  • Award for ‘Best Housing Finance Company’.
  • Award for ‘Best Affordable Housing Finance Company of the Year’.

2016

  • SKOCH Smart Technologies Sustainable Growth - Silver Award (e-Home Loans).
  • Certificate of Excellence at the BFSI Tech Maestro Awards 2016.
  • Housing Finance Company of the Year at the Navabharat Realty Business Achievers Awards 2016.
  • ‘BFSI Digital Innovators Award (Customer Experience)’.
  • ‘Most Promising Brand for Housing Finance of the Year.
  • Award for ‘Best Housing Finance Company in Punjab’.
  • Award for ‘Excellence in Home Loan Banking’.

2017

  • Award for ‘Gold Level - Arogya World Healthy Workplace’.
  • Award for 'Excellence in Cost Management'.
  • SKOCH Order-of-Merit Award (Housing Finance).
  • Award for ‘Most Innovative Citizen Engagement Through Technology’.
  • Award for ‘Best use of Digital Media - 100% Dad Campaign’.
  • Certificate for ‘Risk Management’ at the ‘Golden Peacock Awards’.
  • Award for ‘Excellence in Home Loan Banking’.

2018

  • Best Social Media Brand in the BFSI sector (Financial Services).
  • Awards for Annual Report, Brand Film and Table Calendar 2017-18.

2019

  • Ranked 20th among India’s Best Companies to Work For 2019.
  • India’s Best Workplaces in BFSI-2019.
  • India’s Best Workplaces in NBFC- 2019.

Milestones

2013

  • IBFSL revenue merged into IBHFL.

2015

  • Rating upgraded to AAA.
  • Gross disbursement cross Rs 1,00,000 crore.

2016

  • Raised Rs. 4,000 crore through QIP.

2017

  • Included in NIFTY50 Index.
  • Balance sheet crosses Rs. 1.04 trillion.

2020

  • Indiabulls Housing Finance has launched its QIP (qualified institutional placement) and set the floor price at Rs 206.70 per equity share for the issue.
  • Indiabulls Housing Finance has sold a portion of its stake in OakNorth Holding -- the wholly owning parent company of OakNorth Bank to HighSage Ventures LLC for Rs 440 crore.
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