Sahara Housingfina Corporation Ltd Stock Analysis

BSE: 511533 | NSE: | Finance - Housing | Small Cap

BSE Share Price Jul 07, 16:19
38.00 -0.95 (-2.44%)

DeciZen - Make an Informed Decision on Sahara Hsg Fin Corp

M-Cap below 100cr DeciZen not available

FAQs

1. Is Sahara Housingfina Corporation Ltd a good quality company?

Data is not available for this company.

2. Is Sahara Housingfina Corporation Ltd undervalued or overvalued?

The key valuation ratios of Sahara Housingfina Corporation Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is Sahara Housingfina Corporation Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sahara Housingfina Corporation 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 Sahara Hsg Fin Corp:

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.)19.919.719.917.412.812.312.612.412.912.712
YoY Gr. Rt. %--0.9%1.3%-12.9%-26.4%-3.6%2%-1.4%4.1%-1.6%-
Adj EPS (₹ ) 3.22.93.83.12.72.83.73332.6
YoY Gr. Rt. %--9.8%31.8%-17%-14.1%4.8%30.5%-17.4%-2.3%0.7%-
BVPS (₹ )39.14245.845.247.950.754.457.464.167.269.8
YoY Gr. Rt. %-7.3%9%-1.2%6%5.9%7.3%5.6%11.7%4.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.41.21.51.31.21.41.81.51.61.80

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income-4.8%-0.1%0.3%-1.6%
Adj EPS-0.7%2.1%-6.7%0.7%
BVPS6.2%7%7.3%4.7%
Share Price -9.8% -16.3% 5.2% -21.9%

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 (%)11.210.213.212.614.71620.517.216.116.514.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)8.47.18.66.95.85.775.44.94.63.6

Recent Performance Summary

Total Income has increased 0.34 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 3.70%

Net Profit has declined -6.69 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Sahara Housingfina Corporation Ltd.

Standalone Consolidated
TTM EPS (₹) 2.6 -
TTM Sales (₹ Cr.) 12.4 -
BVPS (₹.) 69.8 -
Reserves (₹ Cr.) 42 -
P/BV 0.56 -
PE 15.27 -
From the Market
52 Week Low / High (₹) 33.85 / 55.90
All Time Low / High (₹) 2.05 / 1445.35
Market Cap (₹ Cr.) 27.3
Equity (₹ Cr.) 7
Face Value (₹) 10
Industry PE 23.1

Management X-Ray of Sahara Hsg Fin Corp :

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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News

About Sahara Housingfina Corporation Ltd

Sahara Housingfinas Corporation Limited (SHCL) was founded in August 2002 with its registered corporate office at Kolkata. A Sahara India Pariwar member, the company is engaged in providing different kinds of housing loans.

SHCL commenced retail-lending business in May 2004 with professionals from the industry and fully integrated on-line systems solution backed by strong procedures and underwriting standards. Today it operates from four regions viz. Kolkata, Lucknow, Hyderabad and Mumbai and has a branch each in Kolkata, Asansol, Siliguri, Lucknow, Gorakhpur, Pune, Hyderabad, Vijaywada and Mumbai. It serves its clientele through the attractive and competitive home loan schemes. Specially tailored schemes for the allotees of Sahara City Homes are also being worked out. The company is expanding its business by increasing the number of business outlets.

Sahara India Pariwar is a major entity on the corporate scene having diversified business interests that include finance, infrastructure & housing, media & entertainment, consumer products, manufacturing, services & trading.

With Sahara Home Loan, one can bring to life the house of his dreams. One could buy a self-contained flat in an existing or proposed co-operative society, in an apartment owner’s association or even an independent single-family or multi-family bungalow or row house as well as a house that he like anywhere in India (subject to local geo-limits of SHCL branches).

The company has a wide product range

The company provides loans to meet all the requirements of house a home.

Home Loans, Home Improvement Loans, Home Extension Loans, Loans to professionals for office or clinic, Mortgage Loans for children education, marriage etc. Land Loan (Govt. Plot). Loans on Adjustable Rate, Fixed Rate.

The company provides wider flexibility

  • Loan amounts range from Rs 1 lakh - 100 lakh
  • A choice between fixed and floating interest rates
  • Prepayment of the loan can be done after 6 months with a nominal fee
  • Loan tenure 5-20 years

The company has multiple repayment options

  • Step Up Repayment Facility
  • Helps young executives take a much bigger loan today based on an increase in their future income, this helps executives buy a bigger home today!
  • Flexible Loan installments Plan
  • Often customers, parents and their children, wish to purchase properties together. The parent is nearing retirement and their children have just started working. This option helps such customers combine the incomes and take a long term home loan where in the installment reduces upon retirement of the earning parent.

Tranche Based EMI

Customers purchasing an under construction property need to pay interest (on the loan amount drawn based on level of construction) till the property is ready . To help customer save this interest, we have introduced a special facility of tranche Based EMI. Customers can fix the installments they wish to pay till the property is ready. The minimum amount payable is the interest on the loan amount drawn. Anything over and above the interest paid by the customer goes towards principal repayment. The customer benefits by starting EMI and hence repays the loan faster.

Accelerated Repayment Scheme

Accelerated Repayment Scheme offers you a great oppourtunity to repay the loan faster by increasing the EMI. Whenever you get an increment, increase in your disposable income or have lumpsum funds for loan prepayment, you can benefit by

  • Increase in EMI means faster loan repayment
  • Saving of interest because of faster loan repayment
  • One can invest lumpsum funds rather than use it for loan prepayment. The return from the investments also gives you the comfort of paying the increased EMI.

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