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India Home Loan Ltd. Stock Analysis

Small Cap
Evaluated by 194 users | BSE: 530979 | NSE: |
Finance - Housing
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...

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'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)0.61.21.622.54.25.516.431.432.3
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
0.120.030.380.550.510.760.692.081.281.96
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
9.359.389.7610.3115.5216.2821.8923.7322.8324.57
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 (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)1.70.283.163.872.983.112.52.480.851.22
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 Income56.9%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 0.3% -0.3% -34.5% -25%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'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 (%)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 (%) 23.262.4726.5529.5823.4120.7217.9418.095.818.67
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 (%) 1.820.293.955.463.984.763.989.15.498.29
Entity Percentage Holding
Promoters 38.58%
Institutions 24.57%
Non-Institutions 36.84%
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 India Home Loan Ltd.'s performance infers:

India Home Loan Ltd. earnings have grown by 30.9%, whereas share price has depreciated -0.3% 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 India Home Loan Ltd. share prices over the last 10 years. Here is what we found out:

India Home Loan Ltd. share price has depreciated -0% annually over the past ten years.

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),

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), 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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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