Indiabulls Housing Finance Ltd.

NSE: IBULHSGFIN BSE: 535789 SECTOR: Finance - Housing  144k   977   301

135.55
+3.55 (2.69%)
NSE: 07 Oct 04:00 PM

Price Summary

Today's High

₹ 136.7

Today's Low

₹ 130

52 Week High

₹ 279

52 Week Low

₹ 89

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

6392.49 Cr.

Advances

49203.88 Cr.

No. of Shares

47.16 Cr.

P/E

9.71

P/B

0.41

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  333.06

Operating Revenue

7765.39 Cr.

Net Profit

696.11 Cr.

Promoter Holding

9.59 %

EPS (TTM)

₹  13.96

Sales Growth

-10.27

ROE

4.52 %

ROCE

9.03%

Profit Growth

-34.23 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 20 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-10.27%
3 Year-20.42%
5 Year-5.17%

Profit Growth

1 Year-34.23%
3 Year-42.85%
5 Year-24.53%

ROE%

1 Year4.52%
3 Year8.37%
5 Year14.27%

ROCE %

1 Year9.03%
3 Year9.48%
5 Year10.3%

ROA%

0.878815972506496

PEG Ratio

NA

PAT Margin (%)

8.96426322438409

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 9.59 0
Mar 2022 9.66 0
Dec 2021 9.72 0
Sep 2021 21.69 0
Jun 2021 21.69 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.477562555709137 times the book value

 Limitations

  • Promoters shareholding is low at 9.59%.
  • The company has delivered poor profit growth of -20.4202926722402% over past 3 years
  • The company has delivered poor Operating Income growth of -20.4202926722402% over past 3 years.
  • Promoter holding has decreased from 21.69% to 9.66%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Operating Revenue 2040.02 1913.77 2030.49 1781.11 1745.39
Other Income 2.54 2.74 2.68 4.34 5.21
Interest Expended 1436.58 1466.75 1493.86 1467.47 1374.54
Operating Expenses 346.37 283.61 255.94 -3.16 156.44
Total Provisions 0 0 0 0 0
Depreciation 17.79 17.9 19.68 19.02 17.26
Profit Before Tax 241.82 148.25 263.69 302.12 202.36
Tax 52.78 40.33 73.67 93.01 51.08
Net Profit 189.04 107.92 190.02 209.11 151.28

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 13759.45 15408.46 11399.23 8654.64 7765.39
Other Income 71.63 167.29 625.68 98.15 82.89
Interest 7711.14 9057.11 7709.6 6308.04 5864.66
Operating Expenses 802.03 951.43 794.65 424.75 611.16
Total Provisions 1389.41 419.59 973.94 627.83 416.56
Exceptional Items 0 0 0 0 0
Profit Before Tax 3928.5 5147.62 2546.72 1392.17 955.9
Tax 743.22 1418.36 386.81 333.71 259.79
Profit After Tax 3185.28 3729.26 2159.91 1058.46 696.11
Adjusted EPS (Rs.) 74.68 87.25 50.52 22.89 14.86

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 85.31 85.48 85.51 92.47 93.71
Total Reserves 15469.82 17173.44 14844.09 15429.74 15558.62
Borrowings 84926.05 82383.53 62866.78 52250.84 44017.52
Other N/C liabilities 937.75 1121.75 540 459.26 254.48
Current liabilities 25480.14 19338.51 13966.24 14644.94 15618.39
Total Liabilities 126899.07 120102.71 92302.62 82877.25 75542.72
Assets
Loans 102043.84 76637.36 58504.95 53109.45 49203.88
Net Block 97.02 140.52 375.57 228.77 263.21
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 6206.07 8160.55 8266.8 7490.94 9414.12
Other Loans 604.67 738.57 995.39 397.48 931.96
Other N/C Assets 129.12 135.75 828.08 1973.26 3152.09
Current Assets 17818.35 34289.96 23331.83 19677.35 12577.46
Total Assets 126899.07 120102.71 92302.62 82877.25 75542.72
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 21.69 21.69 9.72 9.66 9.59
inuus infrastructu... - - 6.01 5.97 5.93
sameer gehlaut ibh... - - 3.60 3.58 3.56
sg advisory servic... 6.40 6.40 - - -
sameer gehlaut 0.12 0.12 0.11 0.11 0.11
orthia land develo... 4.01 4.00 - - -
orthia developers ... 3.89 3.89 - - -
cleta properties p... 2.54 2.54 - - -
gyan sagar real es... 2.35 2.35 - - -
cleta buildtech pr... 1.42 1.42 - - -
arbutus properties... 0.93 0.93 - - -
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 78.31 78.31 90.28 90.34 90.41
life insurance cor... 10.79 10.78 9.86 8.86 8.80
jasmine capital in... 4.15 6.11 - - -
hsbc pooled invest... - - 2.64 3.10 3.08
star funds s.a., s... 2.37 2.37 - - -
star funds s.a., s... - - 3.04 3.02 3.00
bnp paribas arbitr... - - - - 1.36
brep asia ii india... - - 2.25 2.24 2.23
rakesh jhunjhunwala - - 1.08 1.28 1.17
tupelo consultancy... 1.18 1.18 - - -
franklin mutual se... 1.03 1.53 - - -
cinnamon capital l... - - - - -
calstrs managed by... - - - - -
government pension... 1.47 1.78 - - -
california state t... 1.48 1.71 - - -
nomura india inves... 1.16 - - - -
steadview capital... 1.54 1.54 - - -
df international p... 1.17 1.43 - - -
mondrian emerging ... 1.23 1.14 - - -
dishant milanbhai ... - - 1.34 - -
inevsco india smal... - - 1.33 - -
vanguard total int... 1.18 1.21 - - -
vanguard emerging ... 1.20 1.19 - - -
the prudential ass... - - - - -
college retirement... 1.28 - - - -
abu dhabi investme... - - 1.25 1.24 -
quant capital trus... - - 1.24 - -
quant mutual fund-... - - - 1.23 -
hsbc global invest... - - 1.07 1.21 1.20
vanguard emerging ... - - 1.01 1.01 1.01
pimco equity serie... - - - 1.15 1.18
morgan stanley (fr... - - - - -
coronation global ... - - - - -
bnp paribas arbitr... - - 1.03 - -
qualified institut... - - - - -
iepf - - - - 0.01

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Indiabulls Housing Finance to raise up to Rs 800 crore via bonds7 Oct 2022, 4:00PM Indiabulls Housing Finance revises reference rates for all loans by 10 basis points15 Sep 2022, 2:27PM Indiabulls Housing Finance informs about press release15 Sep 2022, 9:53AM RBI imposes penalty of Rs 12.35 lakh on Indiabulls Housing Finance’s arm 12 Sep 2022, 12:17PM Indiabulls Housing Finance to raise up to Rs 1,000 crore6 Sep 2022, 12:29PM Indiabulls Housing Finance to raise funds through various modes18 Aug 2022, 3:38PM Indiabulls Housing - Quaterly Results10 Aug 2022, 2:53PM Indiabulls Housing - Quaterly Results10 Aug 2022, 2:53PM Indiabulls Housing - Quaterly Results10 Aug 2022, 2:53PM Indiabulls Housing Finance informs about press release1 Aug 2022, 11:55AM Indiabulls Housing Finance’s AUM stands at Rs 73,000 crore in Q1FY238 Jul 2022, 11:59AM Indiabulls Housing Finance informs about updates30 Jun 2022, 12:02PM Indiabulls Housing Finance informs about press release18 Jun 2022, 11:38AM Indiabulls Housing Finance revises lending rates by 50 basis points18 Jun 2022, 10:46AM Indiabulls Housing Finance informs about revised earnings update23 May 2022, 2:06PM Indiabulls Housing Finance gets nod to raise Rs 5,000 crore through NCDs21 May 2022, 10:51AM Indiabulls Housing Finance reports 11% rise in Q4 consolidated net profit21 May 2022, 10:16AM Indiabulls Housing - Quaterly Results20 May 2022, 7:53PM Indiabulls Housing - Quaterly Results20 May 2022, 7:53PM Indiabulls Housing Finance informs about conference call18 May 2022, 10:40AM Indiabulls Housing Finance informs about interest payment 12 Apr 2022, 10:51AM Indiabulls Housing to raise Rs 50000 crore in next fiscal29 Mar 2022, 9:38AM Indiabulls Housing Finance informs about certificate of interest payment28 Mar 2022, 2:58PM Indiabulls Housing Finance gets nod to raise Rs 50,000 crore via bonds23 Mar 2022, 11:15AM Indiabulls Housing Finance planning to raise funds through bonds17 Mar 2022, 11:46AM Indiabulls Housing Finance informs about interest payment of NCDs25 Feb 2022, 9:42AM Indiabulls Housing Finance informs about payment of interest 23 Feb 2022, 9:53AM Indiabulls Housing Finance informs about payment of interest 22 Feb 2022, 10:06AM Indiabulls Housing Finance reports 8% fall in Q3 consolidated net profit10 Feb 2022, 2:36PM Indiabulls Housing - Quaterly Results9 Feb 2022, 4:53PM Indiabulls Housing - Quaterly Results9 Feb 2022, 4:53PM Indiabulls Housing Finance informs about disclosure11 Jan 2022, 9:50AM Indiabulls Housing Finance plans to raise up to Rs 1,000 crore6 Dec 2021, 9:34AM Indiabulls Housing Finance informs about interest payment 4 Dec 2021, 11:51AM Indiabulls Housing Finance informs about credit rating19 Nov 2021, 12:17PM Indiabulls Housing Finance reports 11% fall in Q2 consolidated net profit 12 Nov 2021, 2:38PM Indiabulls Housing Finance informs about change in statutory auditors23 Oct 2021, 2:48PM Indiabulls Housing Finance exits from UK-based OakNorth Holdings7 Oct 2021, 12:32PM Indiabulls Housing Finance informs about credit rating 1 Oct 2021, 9:52AM Indiabulls Housing Finance informs about outcome of board meeting28 Sep 2021, 9:59AM Indiabulls Housing Finance raises Rs 27 crore by selling part of its stake in OakNorth Holdings 28 Sep 2021, 9:45AM Indiabulls Housing Finance repays Rs 7,075.84 crore to NCD investors in September 27 Sep 2021, 10:25AM Indiabulls Housing Finance informs about disclosures 25 Sep 2021, 3:03PM Indiabulls Housing Finance sells stake worth Rs 251 crore in OakNorth25 Sep 2021, 10:57AM Indiabulls Housing Finance informs about press release24 Sep 2021, 9:55AM Indiabulls Housing Finance informs about certificate23 Sep 2021, 9:43AM Indiabulls Housing Finance planning to raise funds via FCCBs 22 Sep 2021, 9:57AM Indiabulls Housing Finance gets CCI approval to divest mutual fund business13 Sep 2021, 11:20AM Indiabulls Housing Finance to launch Rs 1,000 crore public issue of bonds 3 Sep 2021, 3:07PM Indiabulls Housing Finance reports marginal rise in Q1 consolidated net profit6 Aug 2021, 11:19AM

Indiabulls Housing Stock Price Analysis and Quick Research Report. Is Indiabulls Housing an attractive stock to invest in?

 

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Indiabulls Housing better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 696.11 Cr and the compounded growth of profit in the past 3 years is -42.8493948906038 %. The PAT margin of Indiabulls Housing is 8.96426322438409 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Indiabulls Housing , the EPS declined by -35.1037435023806 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Indiabulls Housing is at 4.51643355452359 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Indiabulls Housing is worth at the current levels at Rs 135.55. The stock is trading at a current P/E ratio of 10.6214808004482 and the average historical P/E for the last 5 years was 9.50131172527502.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Indiabulls Housing is trading at a P/B of 0.4064 . The average historical P/B for the last 5 years was 1.38113372278788. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Indiabulls Housing

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