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Sahara Housingfina Corporation Ltd. Stock Analysis

Small Cap
Evaluated by 135 users | BSE: 511533 | NSE: |
Finance - Housing
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...

Analysis of Financial Track Record

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'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Operating Income (Rs. Cr.)17.520.219.919.719.917.412.812.312.612.4
Y-o-Y Gr. Rt.-15.1%-1.5%-0.9%1.3%-12.9%-26.4%-3.6%2%-1.4%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
3.183.233.172.863.773.132.692.823.683.04
Y-o-Y Gr. Rt.-1.6%-1.9%-9.8%31.8%-17%-14.1%4.8%30.5%-17.4%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
32.7235.9539.1241.9945.7645.2147.9150.7354.4157.44
Y-o-Y Gr. Rt.-9.9%8.8%7.3%9%-1.2%6%5.9%7.3%5.6%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)1.551.461.381.181.491.31.231.371.831.53
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Sahara Housingfina Corporation Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income-3.8%-9.1%-1%-1.4%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-0.5%-4.2%4.2%-17.4%
Book Value per Share
6.5%4.7%6.2%5.6%
Share Price -8% -1.3% -21.6% 30.4%
Key Financial Ratios
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >14% : Very Good
  • 12%-14% : Somewhat Good
  • <12% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 12.7111.2411.1710.1913.2412.6114.7416.0420.4917.15
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 10.219.428.447.068.66.885.785.7275.43
Entity Percentage Holding
Promoters 71.35%
Non-Institutions 28.65%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of Sahara Housingfina Corporation Ltd.'s performance infers:

Sahara Housingfina Corporation Ltd. earnings have declined by -4.2%, whereas share price has depreciated -1.3% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Sahara Housingfina Corporation Ltd. share prices over the last 10 years. Here is what we found out:

Sahara Housingfina Corporation Ltd. share price has depreciated -13.1% annually over the past ten years.

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

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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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