India Home Loan Ltd - Stock Valuation and Financial Performance

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

India Home Loan Share Price

31.49 0.59 1.91%
as on 28-Mar'24 16:01

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India Home Loan stock performance -

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P/E Ratio (SA):
0.00
Market Cap:
42.6 Cr.
52-wk low:
23
52-wk high:
47.5

Is India Home Loan Ltd an attractive stock to invest in?

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.

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.
India Home Loan Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)22.54.25.516.431.432.331.130.122.312
YoY Gr. Rt. %-21.2%68.7%33%196.9%91.6%3%-3.7%-3.5%-25.7%-
Adj EPS (₹ ) 0.60.50.80.72.11.320.81.30.4-0.9
YoY Gr. Rt. %--7.3%49%-9.2%201.5%-38.5%53.1%-59.7%69.6%-68.7%-
BVPS (₹ )10.315.516.321.923.722.824.627.428.829.230.3
YoY Gr. Rt. %-50.5%4.9%34.5%8.4%-3.8%7.6%11.5%5%1.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)3.933.12.52.50.91.20.510.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income30.5%6.4%-11.6%-25.7%
Adj EPS-3%-27.4%-40.2%-68.7%
BVPS12.3%4.3%6%1.7%
Share Price -4.5% -14.4% -6% -10.8%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
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 (%)29.623.420.717.918.15.88.73.66.42.7-10.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)5.544.849.15.58.334.81.5-3.1

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined -23.43 CAGR in last 3 years

Net Profit has declined -40.16 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - India Home Loan Ltd.

Standalone Consolidated
TTM EPS (₹) -0.9 -
TTM Sales (₹ Cr.) 12.3 -
BVPS (₹.) 30.3 -
Reserves (₹ Cr.) 29 -
P/BV 0.98 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 23.00 / 47.50
All Time Low / High (₹) 0.50 / 161.00
Market Cap (₹ Cr.) 42.6
Equity (₹ Cr.) 14.3
Face Value (₹) 10
Industry PE 8.7

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

Key Ratios of India Home Loan

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income2.282.514.295.8616.7031.8432.9431.1330.4924.85
Interest Income2.032.464.155.5216.3931.4032.3431.1330.0522.34
Other Income 0.250.050.140.340.310.440.6000.442.51
Expenditure 1.471.693.014.4612.6429.0129.1929.6426.5223.87
Interest Expense 0.020.081.131.746.9221.7521.5720.2516.5312.89
Operating Expenses 1.201.441.742.394.885.896.166.125.636.78
Provisions 0.240.170.140.330.841.381.473.284.364.20
Exceptional Items 0000000000
Profit Before Tax 0.810.821.291.404.062.833.751.483.960.99
Taxes 0.210.240.430.411.101.010.940.362.050.38
Profit After Tax 0.600.580.860.992.961.822.801.121.920.61
Adjusted EPS (₹)0.60.50.80.72.11.32.00.81.30.4
Dividend Payout Ratio (%)0%0%0%14%10%16%8%13%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital11.2717.6518.5131.2733.8932.6135.0939.1241.0641.75
Share Capital 10.9411.3711.3714.2814.2814.2814.2814.2814.2814.28
Reserves 0.336.287.1416.9919.6118.3320.8024.8326.7827.47
Minority Interest0000000000
Long Term Borrowings-0.113.8610.7411.62117.23196.47174.70170.13125.3191.04
Current Liabilities 0.051.363.273.7441.634.589.651.473.813.53
Trade Payables0.030.030.050.050.541.030.480.320.380.72
Short term borrowings000020.7300000
Other Liabilities4.53-0.03-0.05-0.05-21.262.042.59-0.322.482.14
Total Liabilities 15.7722.8732.5246.63192.75236.73222.50210.72173.05139.18

Assets

Non Current Asset 13.0418.2429.1638.60170.51220.66217.09201.08156.5498.93
Loan Asset 017.7828.4837.92169.05216.18212.83199.74155.1197.57
Other Non Current Asset 13.040.460.680.681.474.474.261.351.431.36
Current Asset 2.734.633.368.0322.2316.075.419.6316.5140.25
Current Investment0.802.2802.4949.010000
Other Current Asset1.932.343.365.5418.237.065.419.6316.5140.25
Total Assets 15.7722.8732.5246.63192.75236.73222.50210.72173.05139.18

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 0.40-3.64-9.10-9.42-133.01-55.4310.697.6740.5334.82
Cash Flow From Investing Activity -0.14-1.442.40-2.42-2.25-6.369.18-1.571.53-0.32
Cash Flow From Financing Activity -0.085.206.4512.61141.4559.37-21.95-5.12-44.85-34.65
Net Cash Flow 0.190.12-0.240.776.19-2.42-2.080.98-2.78-0.15
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)1111212110
DPS (₹)0000000000
BVPS (₹)10161622242325272929

Performance Ratios

ROA (%)3.93.03.12.52.50.91.20.51.00.4
ROE (%)5.54.04.84.09.15.58.33.04.81.5
ROCE (%)5.44.78.98.29.311.811.610.410.89.1

Valuation Parameters

Price/Book(x)5.13.12.54.94.13.01.41.41.11.2

India Home Loan Ltd Stock News

India Home Loan Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of India Home Loan on 28-Mar-2024 16:01 is ₹31.49.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 28-Mar-2024 16:01 the market cap of India Home Loan stood at ₹42.63.
The latest P/E ratio of India Home Loan as of 28-Mar-2024 16:01 is 0.00.
The latest P/B ratio of India Home Loan as of 28-Mar-2024 16:01 is 0.98.
The 52-week high of India Home Loan is ₹47.50 and the 52-week low is ₹23.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of India Home Loan is ₹12.34 ( Cr.) .

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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