What is CAGR? What does CAGR table indicate for India Home Loan Ltd?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

India Home Loan Ltd Stock Analysis

Q: Is India Home Loan Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of India Home Loan Ltd and arrived at the following conclusion.

Q: Is the current market price of India Home Loan Ltd a good price to buy it?

The 5-year analysis of India Home Loan Ltd's performance infers.

Q: What is India Home Loan Ltd share price return in the past 10 years?

We analysed the performance of India Home Loan Ltd share prices over the last 10 years. Here is what we found out:

Small Cap

Evaluated by 200 users | BSE: 530979 | NSE: |
Finance - Housing

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis

Analysis of Financial Track Record

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

What is a Financial Track Record? How to read this chart in order to understand the data present here?

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'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Operating Income (Rs. Cr.)	0.6	1.2	1.6	2	2.5	4.2	5.5	16.4	31.4	32.3
Y-o-Y Gr. Rt.	-	116.1%	28.9%	30.1%	21.2%	68.7%	33%	196.9%	91.6%	3%
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	0.12	0.03	0.38	0.55	0.51	0.76	0.69	2.08	1.28	1.96
Y-o-Y Gr. Rt.	-	-75%	1166.7%	44.7%	-7.3%	49%	-9.2%	201.5%	-38.5%	53.1%
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	9.35	9.38	9.76	10.31	15.52	16.28	21.89	23.73	22.83	24.57
Y-o-Y Gr. Rt.	-	0.3%	4.1%	5.6%	50.5%	4.9%	34.5%	8.4%	-3.8%	7.6%

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

1.7

0.28

3.16

3.87

2.98

3.11

2.5

2.48

0.85

1.22

Difference between Standalone Basis and Consolidated basis? Which method is preferred for India Home Loan Ltd. ?

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.

India Home Loan Ltd. should be analysed on a Standalone basis

CAGR CAGR Colour Code Guide

	9 yrs	5 yrs	3 yrs	1 yr
Operating Income	56.9%	67.4%	80.3%	3%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	36.4%	30.9%	41.6%	53.1%
Book Value per Share	11.3%	9.6%	3.9%	7.6%
Share Price	1.2%	1.9%	-16.2%	24.6%

Key Financial Ratios

RATIOS \ YEARS	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
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 (%)	0	0	0	0	0	0	0	0	0	0
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 (%)	0	0	0	0	0	0	0	0	0	0
Margins
Net Profit Margin (%)	23.26	2.47	26.55	29.58	23.41	20.72	17.94	18.09	5.81	8.67
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 (%)	1.82	0.29	3.95	5.46	3.98	4.76	3.98	9.1	5.49	8.29

Management X-Ray

Shareholding Pattern

Entity	Percentage Holding
Promoters	38.58%
Institutions	24.57%
Non-Institutions	36.84%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

FAQs

1. Is India Home Loan Ltd a good quality company?

Data is not available for this company.

2. Is current market price of India Home Loan Ltd a good price to buy it?

The 5-year analysis of India Home Loan Ltd's performance infers:

India Home Loan Ltd earnings have grown by 30.9%, whereas share price has appreciated 1.9% 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.

3. What is India Home Loan Ltd share price return in the past 10 years ?

We analysed the performance of India Home Loan Ltd share prices over the last 10 years. Here is what we found out:

India Home Loan Ltd share price has appreciated 1% annually over the past ten years.

About Company

India Home Loan was incorporated in the name and style of Manoj Housing Finance Company on December 19, 1990 under the Companies Act, 1956 in the State of Maharashtra as a public limited company and received the certificate of commencement of business from Registrar of Companies, Maharashtra on January 11, 1991. The name of the company was changed from Manoj Housing Finance to India Home Loan with effect from February 11, 2009.

The company is registered with National Housing Bank (NHB),

The company is registered with National Housing Bank (NHB), wholly owned by the Reserve bank of India (RBI), for carrying on the business of housing finance institution, without accepting public deposit vide NHB Certificate of Registration dated December 31, 2002.

The company came out with the public issue in the year 1995 to augment its long term resources to meet the needs of the business of housing finance and enhance its borrowing capacity by improving its net worth.

On June 29, 2010, the company opened a branch office at Ahmedabad in Gujarat for the expansion of business activities and for better administrative and managerial convenience.

The registered office of the company is situated at 107, Vardhaman Chambers, Cawasji Patel Street, Fort, Mumbai-400 001.

Business area of the company

The company is engaged in providing housing finance for the purchase and construction of house and apartments.

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