India Home Loans Ltd

₹ 34.0 1.07%

18 Apr - close price

About

Incorporated in 1990, India Home Loan Ltd, is a Non-deposit accepting Housing Finance Company registered with the National Housing Bank for carrying out the business of housing finance. The Co offers retail home loan products for the affordable housing segment. ^[1]^[2]

Key Points

Target Market
The Co. offers loan products for purchase, construction, extension and improvement of houses. It caters to individuals and families belonging to the Economically Weaker Section, Low Income Group and Middle Income Group residing in the periphery of semi-urban and urban India. ^[1]

Website BSE

Market Cap ₹ 48.6 Cr.
Current Price ₹ 34.0
High / Low ₹ 47.5 / 23.0
Stock P/E
Book Value ₹ 31.1
Dividend Yield 0.00 %
ROCE 9.09 %
ROE 1.38 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.
Stock is trading at 1.09 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 6.02% over past five years.
Promoter holding is low: 36.6%
Company has a low return on equity of 2.97% over last 3 years.
Company's cost of borrowing seems high
Working capital days have increased from 230 days to 558 days

* 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

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Revenue	7.49	7.32	7.30	7.22	8.48	6.66	5.64	5.38	5.71	5.61	3.74	3.00	2.95
Interest	5.01	4.59	4.39	4.28	4.16	3.70	3.39	3.69	3.13	2.70	2.68	2.50	2.16
	2.17	1.76	2.83	1.68	3.55	1.40	1.70	1.49	3.16	2.61	1.36	0.31	1.95
Financing Profit	0.31	0.97	0.08	1.26	0.77	1.56	0.55	0.20	-0.58	0.30	-0.30	0.19	-1.16
Financing Margin %	4.14%	13.25%	1.10%	17.45%	9.08%	23.42%	9.75%	3.72%	-10.16%	5.35%	-8.02%	6.33%	-39.32%
	0.00	0.00	0.17	0.21	0.25	0.19	0.01	0.01	0.78	0.06	0.06	0.02	0.01
Depreciation	0.06	0.06	0.05	0.05	0.05	0.37	0.09	0.08	0.08	0.08	0.07	0.05	0.03
Profit before tax	0.25	0.91	0.20	1.42	0.97	1.38	0.47	0.13	0.12	0.28	-0.31	0.16	-1.18
Tax %	24.00%	19.78%	5.00%	27.46%	92.78%	54.35%	68.09%	-115.38%	-58.33%	96.43%	9.68%	37.50%	2.54%
	0.19	0.73	0.18	1.03	0.07	0.64	0.15	0.27	0.19	0.00	-0.27	0.09	-1.15
EPS in Rs	0.13	0.51	0.13	0.72	0.05	0.45	0.11	0.19	0.13	0.00	-0.19	0.06	-0.81
Gross NPA %	4.08%	4.37%	4.31%	4.68%	4.23%	4.29%	4.68%	3.69%	3.40%	4.60%	4.78%	2.81%
Net NPA %	2.09%	2.31%	2.21%	2.45%	3.16%	3.09%	3.36%	2.60%	2.43%	4.22%	3.45%	2.01%
Raw PDF

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
Revenue	1.26	1.66	2.09	2.51	4.28	5.86	16.69	31.84	32.57	31.13	30.06	22.36	15.30
Interest	0.05	0.01	0.02	0.08	1.13	1.74	6.92	21.75	21.57	20.25	16.53	12.89	10.04
	0.78	1.09	1.22	1.47	1.80	2.65	5.41	6.82	7.30	9.16	9.45	8.74	6.23
Financing Profit	0.43	0.56	0.85	0.96	1.35	1.47	4.36	3.27	3.70	1.72	4.08	0.73	-0.97
Financing Margin %	34.13%	33.73%	40.67%	38.25%	31.54%	25.09%	26.12%	10.27%	11.36%	5.53%	13.57%	3.26%	-6.34%
	-0.03	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.37	0.00	0.42	0.82	0.15
Depreciation	0.02	0.03	0.03	0.15	0.07	0.07	0.29	0.44	0.33	0.23	0.53	0.56	0.23
Profit before tax	0.38	0.53	0.82	0.81	1.29	1.40	4.07	2.83	3.74	1.49	3.97	0.99	-1.05
Tax %	92.11%	22.64%	25.61%	29.63%	33.33%	29.29%	27.03%	35.69%	25.40%	24.16%	51.64%	38.38%
	0.03	0.41	0.60	0.58	0.86	0.99	2.96	1.82	2.80	1.12	1.92	0.61	-1.33
EPS in Rs	0.03	0.37	0.55	0.51	0.76	0.69	2.07	1.27	1.96	0.78	1.34	0.43	-0.94
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	14.42%	9.65%	15.69%	7.65%	12.75%	0.00%	0.00%

Compounded Sales Growth
10 Years:	30%
5 Years:	6%
3 Years:	-12%
TTM:	-35%

Compounded Profit Growth
10 Years:	4%
5 Years:	-27%
3 Years:	-40%
TTM:	-206%

Stock Price CAGR
10 Years:	-4%
5 Years:	-13%
3 Years:	-6%
1 Year:	-8%

Return on Equity
10 Years:	5%
5 Years:	4%
3 Years:	3%
Last Year:	1%

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	10.94	10.94	10.94	11.37	11.37	14.28	14.28	14.28	14.28	14.28	14.28	14.28	14.28
Reserves	-0.68	-0.26	0.33	6.28	7.14	16.99	19.61	18.33	20.80	24.83	29.64	30.33	30.17
	0.84	0.08	0.00	5.00	13.21	14.13	155.75	191.67	170.06	170.62	125.77	91.00	65.65
	0.09	4.61	4.61	0.22	0.81	1.22	3.08	12.44	17.37	1.47	3.54	3.56	4.75
Total Liabilities	11.19	15.37	15.88	22.87	32.53	46.62	192.72	236.72	222.51	211.20	173.23	139.17	114.85
	0.06	0.07	0.29	0.15	0.09	0.17	1.05	0.90	0.69	0.54	0.67	0.44	0.36
CWIP	0.00	0.00	0.05	0.05	0.05	0.13	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.58	0.91	0.80	2.28	0.00	2.49	4.00	9.01	0.00	0.00	0.00	0.00	0.00
	10.55	14.39	14.74	20.39	32.39	43.83	187.67	226.81	221.82	210.66	172.56	138.73	114.49
Total Assets	11.19	15.37	15.88	22.87	32.53	46.62	192.72	236.72	222.51	211.20	173.23	139.17	114.85

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
	-1.98	-3.45	0.40	-3.64	-9.10	-9.42	-133.01	-55.43	10.69	7.67	40.53	34.82
	0.98	-0.36	-0.13	-1.44	2.40	-2.41	-2.25	-6.36	9.18	-1.57	1.54	-0.32
	0.84	3.79	-0.08	5.20	6.45	12.61	141.45	59.37	-21.95	-5.12	-44.85	-34.65
Net Cash Flow	-0.16	-0.02	0.19	0.12	-0.24	0.79	6.19	-2.42	-2.08	0.98	-2.78	-0.15

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
ROE %	0.20%	3.92%	5.47%	4.01%	4.76%	3.98%	9.09%	5.47%	8.24%	3.02%	4.62%	1.38%

Shareholding Pattern

Numbers in percentages

	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
	38.58%	35.54%	35.71%	35.71%	35.92%	36.21%	36.21%	36.29%	36.38%	36.38%	36.55%	36.55%
	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%
	36.84%	39.89%	39.72%	39.72%	39.51%	39.22%	39.22%	39.14%	39.05%	39.04%	38.87%	38.88%
No. of Shareholders	2,022	2,052	2,254	2,442	2,743	2,694	2,641	2,835	2,719	2,735	2,960	3,236

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Dec 2023
	40.19%	40.19%	41.18%	38.58%	38.58%	35.92%	36.38%	36.55%
	0.00%	0.18%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.07%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%
	59.74%	35.06%	34.25%	36.84%	36.84%	39.51%	39.05%	38.88%
No. of Shareholders	2,532	2,329	2,175	2,030	2,022	2,743	2,719	3,236

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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India Home Loans Ltd

India Home Loans Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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