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SBI Home Finance Ltd. Stock Analysis

Small Cap
Evaluated by 121 users | BSE: 500379 | NSE: SBIHOMEFIN |
Finance - Housing
SBI Home Finance was incorporated on November 11, 1987 as a private limited company. It was converted into a public limited company on May 23, 1988, and got its current name on April 11, 1991. It provides long-term finance for housing in India.  SBI Home Finance has innovative and unique...

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'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08
Operating Income (Rs. Cr.)66.85340.139.228.47.50.70.40.91
Y-o-Y Gr. Rt.--20.7%-24.3%-2.2%-27.7%-73.8%-91.1%-33.3%104.6%13.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
-30.19-16.36-14.46-60.12-33.53-16.86-13.54-13.99-3.12-12.16
Y-o-Y Gr. Rt.-NANANANANANANANANA
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
-12.24-28.59-43.06-103.18-136.71-153.57-167.1-181.09-184.21-196.37
Y-o-Y Gr. Rt.-NANANANANANANANANA
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 (%)-7.56-4.7-4.75-20.83-14.06-15.89-69.68-85.1-22.67-127.19
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.
SBI Home Finance Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income-37.2%-48.6%15.6%13.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NANANANA
Book Value per Share
NANANANA
Share Price - - - -
Key Financial Ratios
RATIOS \ YEARSMar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08
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 (%) -67.79-46.29-54.09-229.85-177.19-339.21-3092.81-4728.03-520.12-1789.1
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 (%) -1064.59000000000
Entity Percentage Holding
Promoters 26.00%
Institutions 0.12%
Non-Institutions 73.88%
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.

Data is not available for this company.

Data is not available for this company

SBI Home Finance was incorporated on November 11, 1987 as a private limited company. It was converted into a public limited company on May 23, 1988, and got its current name on April 11, 1991. It provides long-term finance for housing in India. 

SBI Home Finance has innovative and unique features when offering loans like the no cap on maximum loan amount for purchase/construction of house/flat, option to club income of spouse and children to compute eligible loan amount and free

SBI Home Finance was incorporated on November 11, 1987 as a private limited company. It was converted into a public limited company on May 23, 1988, and got its current name on April 11, 1991. It provides long-term finance for housing in India. 

SBI Home Finance has innovative and unique features when offering loans like the no cap on maximum loan amount for purchase/construction of house/flat, option to club income of spouse and children to compute eligible loan amount and free personal accident insurance cover and complimentary international ATM-debit card. For niche customers, products include SBI-Flexi home loans, designed to enable borrowers to hedge their home loan against unfavourable movement in interest rates and SBI-Freedom home loans, customized for high net worth individuals offering benefits like 100% project finance with property mortgage.

Business areas of the company:

The company provides long-term finance to individuals, corporate bodies, promoters and developers, housing boards, and others for housing purposes. Other activities include making short-term investments in units of UTI, central/state government securities, various schemes of SBI, LIC and GIC mutual funds; in treasury bills, CDs of IDBI and nationalized banks, and in commercial paper of rated companies.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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