BSE: 511072 | NSE: DHFL | Finance - Housing | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Piramal Capital & Housing Finance Ltd is a below average quality company.
The key valuation ratios of Piramal Capital & Housing Finance Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
No data found
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 4,966 | 5,979 | 7,295 | 8,852 | 10,850 | 12,884 | 9,322 | 8,771 | 6,121 | 7,957 | 7,957 | |
| YoY Gr. Rt. % | - | 20.4% | 22% | 21.3% | 22.6% | 18.7% | -27.6% | -5.9% | -30.2% | 30% | - | |
| Adj EPS (₹ ) | 20.6 | 21.3 | 25 | 92.5 | 39.5 | -33 | -433.8 | -479.6 | 0.3 | -3.5 | -236.6 | |
| YoY Gr. Rt. % | - | 3.5% | 17.2% | 270.1% | -57.3% | -183.5% | NA | NA | NA | -1492% | - | |
| BVPS (₹ ) | 138.6 | 158.5 | 167.1 | 255.1 | 293.4 | 256.8 | -177.3 | -658.5 | 10.4 | 7 | -658.5 | |
| YoY Gr. Rt. % | - | 14.4% | 5.4% | 52.6% | 15% | -12.5% | -169% | NA | NA | -33.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.3 | 1.3 | 1.2 | 3.6 | 1.3 | -1 | -14.6 | -21.4 | 0.7 | -10.3 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 5.4% | -6% | -5.1% | 30% | ||||||||
| Adj EPS | -182.1% | -161.5% | NA | -1492% | ||||||||
| BVPS | -28.3% | -52.7% | NA | -33.1% | ||||||||
| Share Price | -17.4% | -36.1% | 7% | - | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0.5 | 0.7 | 0.6 | 0.6 | 0.6 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 17.2 | 16.6 | 16.7 | 19.1 | 15.3 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 10.7 | 10.4 | 10 | 32.7 | 11.4 | -8 | -146 | -171.6 | 8.6 | -93.3 | -93.3 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 15.6 | 15.2 | 15.4 | 45 | 14.4 | -12 | -1091 | 0 | 65.9 | -40 | 35.9 | |
No data to display
Return on Equity has declined versus last 3 years average to %
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -236.6 | 17.2 |
| TTM Sales (₹ Cr.) | 7,957 | 6,121 |
| BVPS (₹.) ⓘ | -658.5 | 36.2 |
| Reserves (₹ Cr.) ⓘ | -20,978 | 823 |
| P/BV ⓘ | -0.03 | 0.46 |
| PE ⓘ | 0.00 | 0.97 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 16.70 / 16.70 |
| All Time Low / High (₹) | 1.58 / 690.00 |
| Market Cap (₹ Cr.) | 524 |
| Equity (₹ Cr.) | 313.8 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 9.2 |
| Pledged * | 0.00 | 0.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 4,972.53 | 5,987.84 | 7,321.45 | 9,120.71 | 11,024.60 | 13,114.78 | 9,547.49 | 8,802.83 | 6,186.92 | 9,110.52 |
| Interest Income | 4,965.58 | 5,978.96 | 7,295.10 | 8,851.76 | 10,850.40 | 12,883.88 | 9,322.23 | 8,770.69 | 6,120.81 | 7,957.27 |
| Other Income ⓘ | 6.95 | 8.88 | 26.35 | 268.95 | 174.20 | 230.90 | 225.26 | 32.14 | 66.11 | 1,153.25 |
| Expenditure ⓘ | 4,237.42 | 5,044.80 | 6,219.28 | 7,718.32 | 9,323.58 | 14,279.76 | 27,795.48 | 28,919.88 | 5,330.22 | 11,659.83 |
| Interest Expense ⓘ | 3,782.58 | 4,459.59 | 5,490.03 | 6,828.94 | 7,721.95 | 9,392.85 | 5,725.18 | 218.49 | 3,348.69 | 3,483.21 |
| Operating Expenses ⓘ | 373.75 | 468.63 | 520.77 | 567.27 | 777.93 | 1,040.18 | 626.57 | 464.70 | 782.73 | 1,649.37 |
| Provisions | 81.09 | 116.58 | 208.48 | 322.11 | 823.70 | 3,846.73 | 21,443.73 | 28,236.69 | 1,198.80 | 6,527.25 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 1,969.43 | 0 | 0 | 0 | 0 | -142.72 | -10,256.81 |
| Profit Before Tax ⓘ | 735.11 | 943.04 | 1,102.17 | 3,371.82 | 1,701.02 | -1,164.98 | -18,247.99 | -20,117.05 | 713.98 | -12,806.12 |
| Taxes ⓘ | 206.11 | 321.75 | 372.97 | 475.37 | 461.03 | -128.93 | -4,635.67 | -5,065.93 | 188.23 | -5,381.29 |
| Profit After Tax | 529 | 621.29 | 729.20 | 2,896.45 | 1,239.99 | -1,036.05 | -13,612.32 | -15,051.12 | 525.75 | -7,424.83 |
| Adjusted EPS (₹) | 20.6 | 21.3 | 25.0 | 92.5 | 39.5 | -33.0 | -433.0 | -479.0 | 0.3 | -3.5 |
| Dividend Payout Ratio (%) | 19% | 14% | 32% | 4% | 14% | -8% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 3,574.96 | 4,635.78 | 4,892 | 7,995.80 | 9,232.53 | 8,102.06 | -5,537.94 | -20,637.05 | 22,259.21 | 14,899.87 |
| Share Capital ⓘ | 128.42 | 145.68 | 291.80 | 313.15 | 313.66 | 313.82 | 313.82 | 313.82 | 21,364.69 | 21,364.69 |
| Reserves ⓘ | 3,446.54 | 4,490.10 | 4,600.20 | 7,682.65 | 8,918.87 | 7,788.24 | -5,851.76 | -20,950.87 | 894.52 | -6,464.82 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 32,629.49 | 37,369.36 | 45,793.98 | 67,777.54 | 82,688.93 | 91,310.56 | 79,646.12 | 74,693.62 | 48,590.96 | 37,344.99 |
| Current Liabilities | 7,658.08 | 12,609.67 | 17,042.15 | 16,524.64 | 14,294.56 | 6,619.82 | 6,677.50 | 6,100.67 | 11,332.89 | 10,068.83 |
| Trade Payables | 0.26 | 7.47 | 3.99 | 19.23 | 104.12 | 102.05 | 121.22 | 76.03 | 520.09 | 290.07 |
| Short term borrowings | 1,594.72 | 3,636.94 | 6,436.60 | 4,268.66 | 8,927.46 | 4,767.37 | 5,715.84 | 4,948.09 | 505.29 | 2,206.14 |
| Other Liabilities | -1,594.98 | -3,644.41 | -6,315.59 | -4,287.89 | -9,031.58 | -4,869.42 | -5,837.06 | -5,024.12 | -1,025.38 | -2,496.21 |
| Total Liabilities ⓘ | 43,862.53 | 54,614.81 | 67,853.13 | 92,297.98 | 1,06,216.02 | 1,06,032.44 | 80,785.68 | 60,157.24 | 82,183.06 | 62,313.69 |
Assets | ||||||||||
| Non Current Asset | 40,279.49 | 50,774.23 | 60,406.84 | 70,618.47 | 95,768.28 | 1,01,043.02 | 70,863.18 | 42,534.05 | 73,951.26 | 57,012.29 |
| Loan Asset | 38,601.31 | 48,694.68 | 58,426.29 | 67,601.70 | 93,114.62 | 97,978.12 | 66,202.68 | 38,455.29 | 47,560.18 | 41,835.82 |
| Other Non Current Asset ⓘ | 1,678.18 | 2,079.55 | 1,980.55 | 3,016.77 | 2,653.66 | 3,064.90 | 4,660.50 | 4,078.76 | 26,391.08 | 15,176.47 |
| Current Asset | 3,583.04 | 3,840.58 | 7,446.29 | 21,679.51 | 10,447.74 | 4,989.42 | 9,922.50 | 17,623.19 | 8,231.80 | 5,301.40 |
| Current Investment | 275.39 | 395.69 | 173.46 | 12,587.33 | 6,685.11 | 903.55 | 714.38 | 5,463.46 | 1,320.68 | 94.97 |
| Other Current Asset | 3,307.65 | 3,444.89 | 7,272.83 | 9,092.18 | 3,762.63 | 4,085.87 | 9,208.12 | 12,159.73 | 6,911.12 | 5,206.43 |
| Total Assets ⓘ | 43,862.53 | 54,614.81 | 67,853.13 | 92,297.98 | 1,06,216.02 | 1,06,032.44 | 80,785.68 | 60,157.24 | 82,183.06 | 62,313.69 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -8,879.18 | -12,456.90 | -13,139.43 | -15,745.96 | -18,135.58 | -8,735.17 | 12,576.34 | 7,135.21 | 8,685.04 | 5,346.05 |
| Cash Flow From Investing Activity ⓘ | -714.88 | -505.98 | 504.56 | -10,442.08 | 6,090.82 | 6,134.74 | 574.75 | -4,525.77 | -325.04 | 1,196.20 |
| Cash Flow From Financing Activity ⓘ | 10,064.68 | 12,467.68 | 15,415.55 | 26,042.23 | 11,172.88 | 1,937.46 | -7,562.58 | 0 | -8,389.66 | -9,245.52 |
| Net Cash Flow ⓘ | 470.62 | -495.20 | 2,780.68 | -145.81 | -871.88 | -662.97 | 5,588.51 | 2,609.44 | -29.66 | -2,703.27 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 41 | 43 | 25 | 92 | 40 | -33 | -434 | -480 | 0 | -3 |
| DPS (₹) | 8 | 6 | 8 | 4 | 6 | 3 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 277 | 317 | 167 | 255 | 293 | 257 | -177 | -658 | 10 | 7 |
Performance Ratios | ||||||||||
| ROA (%) | 1.3 | 1.3 | 1.2 | 3.6 | 1.3 | -1.0 | -14.6 | -21.4 | 0.7 | -10.3 |
| ROE (%) | 15.6 | 15.2 | 15.4 | 45.0 | 14.4 | -12.0 | -1,091.0 | 0.0 | 65.9 | -40.0 |
| ROCE (%) | 11.5 | 11.2 | 11.0 | 13.1 | 9.9 | 8.0 | -13.2 | -25.8 | 5.9 | -15.0 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.8 | 1.5 | 1.2 | 1.4 | 1.7 | 0.6 | -0.1 | 0.0 | 0.0 | 0.0 |
Dewan Housing Finance Corpn, founded by Rajesh Kumar Wadhawan on 11th of April 1984 with its registered office in Mumbai, provides access to housing finance to lower and middle income Indians. It is the second housing finance company set up in
Initially DHFL disbursed funds from its own equity contribution and had a return on equity of less than 8% at a time when the interest rates were about 18%. Over two decades later, DHFL is still profitably doing what its founder intended it to do. It has so far disbursed loans amounting to over 53 billion, its non performing assets are the lowest in the Industry.
Today, DHFL has an asset base of over Rs 3,580 crores, with a strong presence across
In June 2010, DHFL and its subsidiary DHFL Vysya Housing Finance have promoted a housing finance Company under the name and style 'Aadhar Housing Finance†(AHFL). AHFL, in the initial period propose to target market in retail housing loans in the low income segment of the Indian population in certain states.
In December 2010, Dewan Housing Finance Corporation acquired Deutsche Postbank Home Finance for Rs 1079 Crore.
Products:
Subsidiary:
Achievements/ Recognition:
1991 - Udyog Gaurav Award
1992 - Housing company of the Year
1995 - Udyog excellence Awards
2002 - Rashra Nirman Ratna Awards, Young Achiever Awards (Accommodation Times) and Housing Company of the Year
2004 - Corporate Social responsibility Award and Best Customer Service HFI's Property (5th Housing And Real Estate Exhibition) Project Crayon
2007 - Award of Appreciation (Maharashtra Chamber Of Housing Industry), SRS Real Estate & Infrastructure Award for National Excellence, Excellence in Design among HFI's at Property Expo April'07 and October ’07 by Maharashtra Chamber of Housing Industry.
2008 - Silver CIO Award'08 by - CIOL Dataquest Enterprise Connect Awards
2010
-DHFL’s HR team win Global Greentech Award for Technology Excellence in HR
-India’s Top 100 Best Companies to work for – Great Place To Work Institute, India in Association with Economic Times
2010-2011
-DHFL Wins “Realty Plus Newsmaker of the Year-2011
-2nd Asia’s Best Employer Brand Award for Excellence in HR through Technology
-DHFL is now Power Brand amongst the top 200 brands in India by M/S Planman Marcom
2011-2012
-DHFL wins Greentech HR Excellence Award – 2012 for Best Strategy (Gold Award)
-DHFL among India’s 50 Biggest Financial Companies in India
2012-2013
-The Greatest Corporate Leaders of India – Leadership Awards in Financial Services
-DHFL is among most trusted Financial Brands in India – Brand Trust Report
-DHFL’s Marketing Head Wins – Super Achievers Award, at 11th Indira Super Achievers Awards for Professional Excellence
-DHFL’s Group Head, Human Resources wins HR Warrior Awards – Making a Difference 2012
-DHFL wins Marketer of Year – Realty Plus Excellence Awards of the Year – 2012
2013-2014
-DHFL honoured with the Excellence in Innovative Marketing Award at MCHI – MMR & BKC Expo
-DHFL’s CEO was presented with the Udyog Rattan Award
-DHFL conferred the BEST EMPLOYER BRAND AWARD at IPE BFSI Awards
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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