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Indiabulls Financial Services Ltd. Stock Analysis

Mid Cap
Evaluated by 1093 users | BSE: 532544 | NSE: INDIABULLS |
Finance - NBFC
Indiabullls Financial services is part of the diversified Indiabulls Group. It is a financial services powerhouse that provides consumer finance, housing finance, commercial loans, life insurance, asset management and advisory services.Indiabulls Financial Services has a wide network of 170...

Analysis of Financial Track Record

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.
 Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12
Operating Income (Rs. Cr.)0.10.351.92113521,3261,7811,4212,0502,929
Y-o-Y Gr. Rt.-366.7%18432.1%307.5%66.6%276.4%34.3%-20.2%44.3%42.9%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
00.061.774.637.7214.716.888.2719.5723.21
Y-o-Y Gr. Rt.-NA2850%161.6%66.7%90.5%-53.2%20.2%136.6%18.6%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
2.63.4826.2361.3154.35115.88120.26130.83133.44136.99
Y-o-Y Gr. Rt.-33.9%653.7%133.7%-11.4%113.2%3.8%8.8%2%2.7%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)0.021.765.415.036.744.281.482.323.513.02
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Indiabulls Financial Services Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income231.9%52.8%18%42.9%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NA24.6%50%18.6%
Book Value per Share
55.4%20.3%4.4%2.7%
Share Price 6.2% - - -
Key Financial Ratios
RATIOS \ YEARSMar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >17% : Very Good
  • 15%-17% : Somewhat Good
  • <15% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 6.56174.2145.4935.1243.4728.8110.6818.5929.724.71
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 0.022.0212.4911.1515.4819.426.357.4414.8417.19
Entity Percentage Holding
Promoters 37.76%
Institutions 36.94%
Non-Institutions 23.97%
Others 1.33%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of Indiabulls Fin Serv.'s performance infers:

Indiabulls Fin Serv. earnings have grown by 24.6%, whereas share price has appreciated 0% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Indiabulls Fin Serv. share prices over the last 10 years. Here is what we found out:

Indiabulls Fin Serv. share price has appreciated 6.6% annually over the past ten years.

Indiabullls Financial services is part of the diversified Indiabulls Group. It is a financial services powerhouse that provides consumer finance, housing finance, commercial loans, life insurance, asset management and advisory services.

Indiabulls Financial Services has a wide network of 170 branches spread over 87 cities across India. Indiabulls Housing Finance has one of the fastest Home Loan delivery systems in India. 

Business

Consumer Finance It offers

Indiabullls Financial services is part of the diversified Indiabulls Group. It is a financial services powerhouse that provides consumer finance, housing finance, commercial loans, life insurance, asset management and advisory services.

Indiabulls Financial Services has a wide network of 170 branches spread over 87 cities across India. Indiabulls Housing Finance has one of the fastest Home Loan delivery systems in India. 

Business

Consumer Finance It offers products and services to its retail clients ranging from business loans to commercial credit.

Indiabulls provides finance to its clients for their business expansion and growth needs.

The financial services major provide commercial credit loans to SMEs, promoters and real estate developers. It offers commercial vehicle loans to various business owners. It also provides loans against shares to its clients.

Indiabulls Financial has tie-up with Max New York Life for its insurance business.

Mortgage Loans Under this Indiabulls provides home loans and loans against property.

Recognitions

Indiabulls Financial Services is amongst 68 companies constituting MSCI - Morgan Stanley India Index.

It is also part of CLSA’s model portfolio of 30 Best Companies in Asia.

Indiabulls has been conferred the status of a “Business Superbrand” by The Brand Council, Superbrands India.

2012
IBHFL awarded "Best Employer Brand", June 2012 for its human resource practice by The Institute of Public Enterprises
2013
IBHFL awarded "Best Housing Finance Company of the year", October 2013, by Assocham at The Real Estate Excellence Awards
IBHFL awarded "Housing Finance Company of the year" March 2013, by the Accommodation Times.

  

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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