India Home Loan Ltd Stock Analysis

BSE: 530979 | NSE: | Finance - Housing | Small Cap

BSE Share Price Aug 12, 18:03
33.80 0.70 (2.11%)

DeciZen - Make an Informed Decision on India Home Loan

M-Cap below 100cr DeciZen not available

India Home Loan Price Chart

P/E Ratio (SA) :
25.19
Market Cap :
48.3 Cr.
52-wk low :
27.7
52-wk high :
46.8
Bole Toh?

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

Data is not available for this company.

2. Is India Home Loan Ltd undervalued or overvalued?

The key valuation ratios of India Home Loan Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is India Home Loan Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of India Home Loan 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 India Home Loan:

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.
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)1.21.622.54.25.516.431.432.331.10
YoY Gr. Rt. %-28.9%30.1%21.2%68.7%33%196.9%91.6%3%-3.7%-
Adj EPS (₹ ) 00.40.60.50.80.72.11.320.81.3
YoY Gr. Rt. %-1166.7%44.7%-7.3%49%-9.2%201.5%-38.5%53.1%-59.7%-
BVPS (₹ )9.49.810.315.516.321.923.722.824.627.428.8
YoY Gr. Rt. %-4.1%5.6%50.5%4.9%34.5%8.4%-3.8%7.6%11.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.33.23.933.12.52.50.91.20.50

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income43.5%49.6%23.8%-3.7%
Adj EPS43.8%0.8%-27.6%-59.7%
BVPS12.6%11%4.9%11.5%
Share Price -4% -19.3% -16% -23.2%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
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 (%) 0000000000-
Margins
Net Profit Margin (%)2.526.629.623.420.717.918.15.88.73.60
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.345.544.849.15.58.334.6

Recent Performance Summary

Total Income has increased 23.84 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 4.80%

Net Profit has declined -27.58 CAGR in last 3 years

Latest Financials - India Home Loan Ltd.

Standalone Consolidated
TTM EPS (₹) 1.3 -
TTM Sales (₹ Cr.) 0 -
BVPS (₹.) 28.8 -
Reserves (₹ Cr.) 27 -
P/BV 1.18 -
PE 25.19 -
From the Market
52 Week Low / High (₹) 27.70 / 46.75
All Time Low / High (₹) 0.50 / 161.00
Market Cap (₹ Cr.) 48.3
Equity (₹ Cr.) 14.3
Face Value (₹) 10
Industry PE 23.8

Management X-Ray of India Home Loan :

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

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Key Ratios of India Home Loan

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

News

About India Home Loan Ltd

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.

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