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Ind Bank Housing Ltd. Stock Analysis

Small Cap
Evaluated by 166 users | BSE: 523465 | NSE: |
Finance - Housing
Ind Bank Housing was incorporated on February 05, 1991 and commenced business with the objective of providing long-term finance to individuals and companies to construct or purchase residential premises in India. It has been promoted together by Indian Bank (with a 51% equity participation)...

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'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Operating Income (Rs. Cr.)2.53.90.40.20.20.50.31.12.10.6
Y-o-Y Gr. Rt.-56.6%-90.5%-56.8%31.3%114.3%-28.9%228.1%101%-73%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
-3.82-2.92-12.48-8.55-9.24-7.35-11.5-11.241.780.13
Y-o-Y Gr. Rt.-NANANANANANANANA-92.7%
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
-60.39-63.3-75.79-84.33-93.58-100.93-112.42-123.66-121.88-121.75
Y-o-Y Gr. Rt.-NANANANANANANANANA
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 (%)-28.37-17.28-71.05-53.43-39.32-25.78-42.48-416.720.53
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.
Ind Bank Housing Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income-15.1%22.1%21.2%-73%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NANANA-92.7%
Book Value per Share
NANANANA
Share Price 7.6% 26.5% -0.7% -19.4%
Key Financial Ratios
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
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
  • >14% : Very Good
  • 12%-14% : Somewhat Good
  • <12% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) -153.4-74.86-3368.38-5227.17-4488.55-1640.71-3548.36-1073.384.5323.3
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 (%) 0000000000
Entity Percentage Holding
Promoters 51.00%
Institutions 25.00%
Non-Institutions 24.00%
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 Ind Bank Housing Ltd.'s performance infers:

Ind Bank Housing Ltd. earnings have grown by 0%, whereas share price has appreciated 26.5% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Ind Bank Housing Ltd. share prices over the last 10 years. Here is what we found out:

Ind Bank Housing Ltd. share price has appreciated 0.8% annually over the past ten years.

Ind Bank Housing was incorporated on February 05, 1991 and commenced business with the objective of providing long-term finance to individuals and companies to construct or purchase residential premises in India. It has been promoted together by Indian Bank (with a 51% equity participation) and HUDCO (with a 25% equity participation).

The company has stopped fresh lending due to liquidity problems and to conform with National Housing Bank regulations. The company is focusing on recovery

Ind Bank Housing was incorporated on February 05, 1991 and commenced business with the objective of providing long-term finance to individuals and companies to construct or purchase residential premises in India. It has been promoted together by Indian Bank (with a 51% equity participation) and HUDCO (with a 25% equity participation).

The company has stopped fresh lending due to liquidity problems and to conform with National Housing Bank regulations. The company is focusing on recovery of housing loans and other assets. It has been notified as a financial institution under the Securitisation Act on March 16, 2006. This has helped in the speedy recovery of non performing assets (NPAs). Various branches have been established in major cities like Madras, Coimbatore, Madurai, Thanjavur, Pondicherry, Hyderabad, Mangalore, Bangalore, and Vishakapatnam.

Business areas of the company:

Ind Bank Housing, an arm of Indian Bank, is one of the prominent names in the housing finance market of India. It provides housing loans for purchase or construction of house/flat, as well as, for the up gradation, repairs or additional construction on the existing building.

Ind Bank Housing provides housing loan up to 25 lacs for the purpose of purchase/construction of house/flat. For renovation / repair / up gradation, it sanctions loan up to 5 lacs. The borrower has to pay minimum 15% of the total project cost.

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

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