Sahara Housing Fina Corporation Ltd
Incorporated in 1991, Sahara Housing Fina Corporation Ltd is in the business of providing Housing Finance in India[1]
- Market Cap ₹ 27.1 Cr.
- Current Price ₹ 38.7
- High / Low ₹ 126 / 37.0
- Stock P/E 22.6
- Book Value ₹ 72.9
- Dividend Yield 0.00 %
- ROCE 6.35 %
- ROE 2.87 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.53 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -3.87% over past five years.
- Company has a low return on equity of 3.69% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance - Housing
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
20.17 | 21.52 | 21.11 | 18.33 | 14.40 | 13.59 | 13.64 | 16.35 | 14.56 | 13.42 | 12.67 | 11.20 | 11.00 | |
4.21 | 5.70 | 5.49 | 5.25 | 4.67 | 5.32 | 5.45 | 4.76 | 5.02 | 5.08 | 5.12 | 4.11 | 4.79 | |
Operating Profit | 15.96 | 15.82 | 15.62 | 13.08 | 9.73 | 8.27 | 8.19 | 11.59 | 9.54 | 8.34 | 7.55 | 7.09 | 6.21 |
OPM % | 79.13% | 73.51% | 73.99% | 71.36% | 67.57% | 60.85% | 60.04% | 70.89% | 65.52% | 62.15% | 59.59% | 63.30% | 56.45% |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
Interest | 12.81 | 13.01 | 11.94 | 9.74 | 6.79 | 5.27 | 5.06 | 7.69 | 6.21 | 5.24 | 4.88 | 4.52 | 3.83 |
Depreciation | 0.15 | 0.16 | 0.13 | 0.08 | 0.06 | 0.05 | 0.06 | 0.51 | 0.55 | 0.52 | 0.49 | 0.49 | 0.50 |
Profit before tax | 3.00 | 2.65 | 3.55 | 3.26 | 2.88 | 2.95 | 3.07 | 3.39 | 2.78 | 2.58 | 2.18 | 2.08 | 1.88 |
Tax % | 26.00% | 24.15% | 25.63% | 32.82% | 34.72% | 33.22% | 16.29% | 23.30% | 25.18% | 18.60% | 17.89% | 32.21% | |
2.22 | 2.01 | 2.64 | 2.19 | 1.88 | 1.98 | 2.57 | 2.61 | 2.08 | 2.09 | 1.78 | 1.42 | 1.20 | |
EPS in Rs | 3.17 | 2.87 | 3.77 | 3.13 | 2.69 | 2.83 | 3.67 | 3.73 | 2.97 | 2.99 | 2.54 | 2.03 | 1.70 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | -6% |
5 Years: | -4% |
3 Years: | -8% |
TTM: | -2% |
Compounded Profit Growth | |
---|---|
10 Years: | -3% |
5 Years: | -11% |
3 Years: | -12% |
TTM: | -27% |
Stock Price CAGR | |
---|---|
10 Years: | -1% |
5 Years: | 1% |
3 Years: | 4% |
1 Year: | -13% |
Return on Equity | |
---|---|
10 Years: | 5% |
5 Years: | 4% |
3 Years: | 4% |
Last Year: | 3% |
Balance Sheet
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 |
Reserves | 20.39 | 22.39 | 25.03 | 24.65 | 26.53 | 28.51 | 31.08 | 35.80 | 37.89 | 40.01 | 41.84 | 43.28 | 44.03 |
128.35 | 147.20 | 141.07 | 124.70 | 106.74 | 103.65 | 96.65 | 87.92 | 73.54 | 62.63 | 59.71 | 49.07 | 48.48 | |
4.68 | 3.64 | 2.23 | 6.16 | 3.98 | 4.14 | 2.97 | 11.12 | 5.10 | 2.40 | 2.09 | 1.46 | 1.43 | |
Total Liabilities | 160.42 | 180.23 | 175.33 | 162.51 | 144.25 | 143.30 | 137.70 | 141.84 | 123.53 | 112.04 | 110.64 | 100.81 | 100.94 |
0.84 | 0.74 | 0.70 | 0.60 | 0.54 | 0.50 | 1.02 | 2.20 | 2.18 | 1.96 | 1.65 | 1.40 | 1.20 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.09 | 0.09 | 0.09 | 0.09 | 0.03 | 0.03 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.03 | 0.03 |
159.49 | 179.40 | 174.54 | 161.82 | 143.68 | 142.77 | 136.66 | 139.62 | 121.34 | 110.06 | 108.97 | 99.38 | 99.71 | |
Total Assets | 160.42 | 180.23 | 175.33 | 162.51 | 144.25 | 143.30 | 137.70 | 141.84 | 123.53 | 112.04 | 110.64 | 100.81 | 100.94 |
Cash Flows
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
15.55 | 13.34 | 13.87 | 29.44 | 12.66 | 1.47 | -2.17 | -6.07 | 29.97 | 6.86 | 3.10 | 10.42 | |
0.19 | 1.53 | 1.24 | 0.77 | 3.15 | -0.64 | 12.85 | -0.13 | 0.00 | -0.01 | -0.14 | -0.28 | |
-10.30 | -3.77 | -25.58 | -16.36 | -17.96 | -3.09 | -7.00 | -0.44 | -24.47 | -10.48 | -4.10 | -11.11 | |
Net Cash Flow | 5.44 | 11.10 | -10.47 | 13.85 | -2.15 | -2.26 | 3.68 | -6.64 | 5.49 | -3.63 | -1.14 | -0.98 |
Ratios
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.90 | 2.88 | 5.01 | 3.98 | 4.31 | 2.69 | 2.94 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 0.90 | 2.88 | 5.01 | 3.98 | 4.31 | 2.69 | 2.94 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | -61.89 | -65.30 | -70.54 | 72.08 | 142.70 | 149.33 | 165.37 | -229.72 | -102.28 | -44.06 | -29.38 | -16.62 |
ROCE % | 10.10% | 9.42% | 8.86% | 7.89% | 6.52% | 5.88% | 5.94% | 8.35% | 7.22% | 6.86% | 6.47% | 6.35% |
Documents
Announcements
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 12 Apr
- Compliance Certificate Pursuant To Regulation 7(3) Of The SEBI (LODR) Regulations, 2015 For The Year Ended 31St March 2024 5 Apr
- Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 4 Apr
- Compliance-57 (5) : intimation after the end of quarter 1 Apr
- Compliance-57 (4) : Prior intimation to the beginning of the quarter 1 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Services Offered:[1]
a) Home Loan:[2]
Loans are provided for purchase of Flat / Bungalow / Apartment, Construction of houses, Repairs, Renovation & Extension of Property, Loan take over from another HFC/Bank
b) Mortgage Loan Scheme:[3]
This is provided on 50% of the market value of the property to meet immediate requirements like children’s education, marriage, etc.
c) NRP Loan Scheme:[4]
This loan is for professionals like practicing Medicos, CA/ICWA/CS, Architect, Consulting Engineer, Solicitors to acquire/ construct office premises or clinic etc.