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Haryana Financial Corporation Ltd (530927)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530927 NSE: Finance Term Lending | Small Cap | Haryana Finanl. Corp Share Price

₹63 0.00 (0.00%)

As on 04-May'26 16:59

Haryana Financial Corporation Ltd (530927)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530927 NSE: Finance Term Lending | Small Cap | Haryana Finanl. Corp Share Price

₹63 0.00 (0.00%)

As on 04-May'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹1,308 Cr.
Current Price
₹63
52-Week Low / High
₹47 / 94
TTM EPS
₹0.4
Book Value per Share
₹11.2
P/E Ratio
161.51
Industry PE
8.7
Price to Book (P/B)
5.62
Higher than its 3-year historical median
EV/EBITDA
155.06
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-0.01%
Return on Capital Employed (ROCE)
0.04%
Return on Assets (ROA)
-0.01%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
-69.34%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
0%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹0.1 Cr.
Reserves
₹25 Cr.
Equity
₹207.7 Cr.
Face Value
₹10
All Time Low / High
₹12.60 / 93.97

Haryana Financial Corporation stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is Haryana Financial Corporation Ltd a good quality company?
Haryana Financial Corporation Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Haryana Financial Corporation Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Haryana Financial Corporation Ltd vs Industry Peers?
Haryana Financial Corporation Ltd AUM CAGR is 1.93%, compared to the 5-year industry median CAGR of 3.91%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of Haryana Financial Corporation Ltd?
Promoters hold 99.36% of the Haryana Financial Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Haryana Financial Corporation Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 9.8% based on the current price.

10 Year X-Ray : Login to view analysis.

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.
Haryana Financial Corporation Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)33.11.40.52.6030.90.51.40.40
YoY Gr. Rt. %-2.2%-55.4%-62.4%392.3%-99.8%773300%-98.3%160.2%-69.7%-
Adj EPS (₹ ) 0.2-0.2-0.20.3-0.10.11.101.2-00.4
YoY Gr. Rt. %--205.9%NANA-131%NA1212.5%-97.1%3966.7%-100%-
BVPS (₹ )5.75.65.35.65.55.66.76.77.97.911.2
YoY Gr. Rt. %--3.1%-4%5.4%-1.6%1.5%18.7%0.5%18.2%0%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.8-2-2.43.3-10.911.80.413-00

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-19.8%-30.5%-76.2%-69.7%
Adj EPS-100%NA-100%-100%
BVPS3.7%7.4%5.9%0%
Share Price 9.8% 20.6% 36.7% 39.9%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)116.8-123.6-320.71152.6-71.9070.2137.51855.9-2.511569.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)3-3.3-3.95.3-1.61.417.10.516.8-03.5

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 11752067405326
Interest Income33113031110
Other Income 0417109000
Exceptional Items 844194795305
Expenditure + 81110147514546
Interest Expense 0000000000
Operating Expenses 8786555446
Provisions 0417109000
Exceptional Items 0000000000
Profit Before Tax 4-4-46-12261270
Taxes 0000104020
Profit After Tax 4-4-46-2222125-0
Adjusted EPS (₹)0.2-0.2-0.20.3-0.10.11.10.01.20.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Haryana Finanl. Corp - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +119115111117115116138139164164
Share Capital 208208208208208208208208208208
Reserves -89-92-97-91-93-91-69-69-43-43
Short term borrowings0000000000
Long Term Borrowings0000000000
Current Liabilities 75777561645756563333
Trade Payables0000000000
Other Liabilities0-000-00-0-000
Total Liabilities 194193186178179173194195198197

Assets

Non Current Asset +166164162159159159154154153153
Loan Asset 0000000000
Other Non Current Asset 166164162159159159154154153153
Current Asset +28292419201440414544
Current Investment55555734323434
Other Current Asset24242014157691010
Total Assets 194193186178179173194195198197

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 31-5-62-6-10-5-3-5
Cash Flow From Investing Activity -00020031013
Cash Flow From Financing Activity 0000034442
Net Cash Flow 31-5-42-225-120

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.20-0.20-0.200.30-0.100.101.1001.200
DPS (₹)0000000000
BVPS (₹)5.75.65.35.65.55.66.76.77.97.9

Performance Ratios

ROA (%)1.8-2.0-2.43.3-1.00.911.80.413.0-0.0
ROE (%)3.0-3.3-3.95.3-1.61.417.10.516.8-0.0
ROCE (%)3.1-3.3-3.95.3-0.51.420.20.517.90.0

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.00.00.00.0

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Haryana Financial Corporation Ltd FAQs

The current trading price of Haryana Finanl. Corp on 04-May-2026 16:59 is ₹63.00.

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 03-May-2026 the market cap of Haryana Finanl. Corp stood at ₹1,308.3 Cr

The latest P/E ratio of Haryana Finanl. Corp as of 03-May-2026 is 161.5.

The latest P/B ratio of Haryana Finanl. Corp as of 03-May-2026 is 5.62.

The 52-week high of Haryana Finanl. Corp is ₹93.97 and the 52-week low is ₹47.28.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Haryana Finanl. Corp is ₹0.07 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Haryana Financial Corporation Ltd is a below average quality company.

The key valuation ratios of Haryana Financial Corporation Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Haryana Financial Corporation Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Haryana Financial Corporation Ltd

Haryana Financial Corporation incorporated in 1967 is promoted jointly by the Government of Haryana and the Industrial Development Bank of India. It has been set up under an Act of Parliament known as State Financial Corporation’s Act 1951 and its working is also governed by this act.

HFC meets the credit needs of small or medium scale industrial units by advancing term loans. The loans are advanced primarily for acquiring fixed assets such as land, building, plant and machinery etc. Its head office is at Chandigarh and branch offices at various districts headquarter of the state. Its activities include merchant banking, investment banking, trade finance, lease finance and term lending.

The company has been approved by the Security Exchange Board of India (SEBI) as a category-I merchant banker. It is also ranked as category-A state-level financial institution by Industrial Development Bank of India (IDBI).

Besides, it is the first state financial corporation holding OTCEI membership. The corporation was the first state-level financial institution to go public in 1995.

Schemes offered:

The corporation offers various schemes under its business. They are:

  • General Term Loan,
  • Equipment Refinance Scheme,
  • Scheme for commercial complexes, showrooms, sales outlets, departmental stores & shopping malls,
  • Technology upgradation fund scheme for textile industry (tufs),
  • Credit linked capital subsidy scheme for technology ,
  • Upgradation of the Small Scale Industries [CLCSS] ,
  • Scheme for financing of small hospitals / nursing homes, 
  • Scheme for financing hotel industry ,
  • Computer software development / e-commerce,
  • Mahila udyam nidhi scheme,
  • Transport loan,
  • Scheme for scheduled caste / scheduled tribe entrepreneurs/ Vocational training institutes and Physically handicapped persons,
  • Special scheme for assistance to ex-servicemen (semfex),
  • Scheme for integrated development of leather sector.
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