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BSE: 530979 | NSE: | Finance - Housing | Small Cap
1. Is India Home Loan Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that India Home Loan Ltd is a below average quality 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 Somewhat 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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 1.6 | 2 | 2.5 | 4.2 | 5.5 | 16.4 | 31.4 | 32.3 | 31.1 | 30.1 | 11 | |
| YoY Gr. Rt. % | - | 30.1% | 21.2% | 68.7% | 33% | 196.9% | 91.6% | 3% | -3.7% | -3.5% | - | |
| Adj EPS (₹ ) | 0.4 | 0.6 | 0.5 | 0.8 | 0.7 | 2.1 | 1.3 | 2 | 0.8 | 1.3 | 0.9 | |
| YoY Gr. Rt. % | - | 44.7% | -7.3% | 49% | -9.2% | 201.5% | -38.5% | 53.1% | -59.7% | 69.6% | - | |
| BVPS (₹ ) | 9.8 | 10.3 | 15.5 | 16.3 | 21.9 | 23.7 | 22.8 | 24.6 | 27.4 | 30.8 | 31.2 | |
| YoY Gr. Rt. % | - | 5.6% | 50.5% | 4.9% | 34.5% | 8.4% | -3.8% | 7.6% | 11.5% | 12.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.2 | 3.9 | 3 | 3.1 | 2.5 | 2.5 | 0.9 | 1.2 | 0.5 | 1 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 38.9% | 40.3% | -1.5% | -3.5% | ||||||||
| Adj EPS | 15% | 14.2% | 1.5% | 69.6% | ||||||||
| BVPS | 13.6% | 7% | 10.4% | 12.3% | ||||||||
| Share Price | -4.6% | -18.2% | 0.5% | 7.8% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | |
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| 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 ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 26.6 | 29.6 | 23.4 | 20.7 | 17.9 | 18.1 | 5.8 | 8.7 | 3.6 | 6.4 | 11.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 4 | 5.5 | 4 | 4.8 | 4 | 9.1 | 5.5 | 8.3 | 3 | 4.6 | 2.8 | |
Net Profit has increased 1.54 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 2.80%
Total Income has declined -14.54 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.9 | - |
| TTM Sales (₹ Cr.) | 11.1 | - |
| BVPS (₹.) ⓘ | 31.2 | - |
| Reserves (₹ Cr.) ⓘ | 30 | - |
| P/BV ⓘ | 1.13 | - |
| PE ⓘ | 40.88 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 26.10 / 40.73 |
| All Time Low / High (₹) | 0.50 / 161.00 |
| Market Cap (₹ Cr.) | 50.4 |
| Equity (₹ Cr.) | 14.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 23.2 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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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