Dewan Housing Finance Corporation Ltd

Dewan Housing Finance Corporation's main business is of providing loans to Retail customers for construction or purchase of residential property, loans against property,

Pros:
Stock is trading at 0.09 times its book value
Cons:
Company has low interest coverage ratio.
Company has a low return on equity of 7.19% for last 3 years.
Contingent liabilities of Rs.524.70 Cr.

Peer Comparison Sector: Finance // Industry: Finance - Housing

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Quarterly Results Standalone Figures in Rs. Crores / View Consolidated

Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
Revenue 1,955 2,160 2,362 2,375 2,496 2,628 2,894 2,840 3,154 3,516 3,251 3,108
Interest 1,475 1,631 1,800 1,747 1,825 1,950 1,935 2,011 2,193 2,440 2,410 2,349
171 172 184 251 220 282 277 643 321 434 361 3,652
Financing Profit 308 358 377 377 451 396 682 186 640 641 480 -2,894
Financing Margin % 16% 17% 16% 16% 18% 15% 24% 7% 20% 18% 15% -93%
Other Income 1 1 1 1,972 1 4 3 6 6 4 5 4
Depreciation 6 7 7 3 6 6 7 8 9 12 13 18
Profit before tax 303 352 372 2,345 446 394 677 184 638 633 472 -2,908
Tax % 34% 34% 34% 5% 28% 27% 27% 27% 32% 31% 33% 24%
Net Profit 201 233 245 2,218 322 288 495 134 435 439 314 -2,223
EPS in Rs 6.90 7.97 8.19 73.32 10.29 9.18 15.87 4.29 13.87 13.98 10.00 -70.86
Gross NPA % 0.93% 0.96% 0.95% 0.94% 0.97% 0.96% 0.96% 0.96% 0.93% 0.96% 0.00% 0.00%
Net NPA % 0.00% 0.00% 0.00% 0.58% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Revenue 521 691 991 1,449 2,468 4,061 4,966 5,979 7,295 10,821 10,850 12,884
Interest 367 496 672 973 1,799 3,119 3,783 4,460 5,490 6,654 7,722 9,393
48 65 116 168 267 340 437 553 683 778 1,413 4,572
Financing Profit 106 130 204 308 402 601 746 967 1,123 3,390 1,715 -1,081
Financing Margin % 20% 19% 21% 21% 16% 15% 15% 16% 15% 31% 16% -8%
Other Income 2 -4 2 37 1 18 0 2 4 5 14 -33
Depreciation 2 2 3 4 5 8 11 26 24 23 28 51
Profit before tax 106 124 202 341 398 611 735 943 1,102 3,372 1,701 -1,165
Tax % 22% 26% 25% 22% 23% 26% 28% 34% 34% 14% 27% 11%
Net Profit 83 92 151 265 306 452 529 621 729 2,896 1,240 -1,036
EPS in Rs 6.54 7.37 8.88 12.34 12.83 17.23 19.92 20.77 23.36 92.29 39.53 0.00
Dividend Payout % 18% 16% 16% 14% 13% 14% 19% 14% 32% 4% 14% -0%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:33.99%
5 Years:21.01%
3 Years:20.88%
TTM:18.74%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:-181.28%
Stock Price CAGR
10 Years:-13.98%
5 Years:-32.74%
3 Years:-58.07%
1 Year:-92.40%
Return on Equity
10 Years:11.18%
5 Years:9.38%
3 Years:7.19%
Last Year:-11.63%

Balance Sheet Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
68 64 85 104 117 128 128 146 292 313 314 314
Reserves 378 394 788 1,444 1,916 3,109 3,447 4,490 4,600 7,683 8,919 7,788
Borrowings 3,969 5,876 8,927 14,848 19,148 32,040 39,457 48,881 61,050 81,264 91,712 93,708
82 185 154 296 375 573 898 1,121 2,115 3,282 6,082 5,571
Total Liabilities 4,489 6,516 9,951 16,692 21,556 35,850 43,930 54,638 68,057 92,542 107,027 107,381
41 45 49 56 64 179 192 188 202 209 850 865
CWIP 4 4 167 166 182 259 796 796 579 634 129 104
Investments 103 109 131 871 463 275 721 1,006 893 13,535 8,086 2,350
4,341 6,358 9,603 15,599 20,847 35,137 42,221 52,647 66,383 78,165 97,962 104,062
Total Assets 4,489 6,516 9,951 16,692 21,556 35,850 43,930 54,638 68,057 92,542 107,027 107,381

Cash Flows Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
52 86 114 114 230 566 -8,879 -12,457 -13,139 -15,746 -18,136 -8,736
41 1 -166 -676 466 -60 -715 -506 505 -10,442 6,091 6,135
-115 259 317 994 -874 -695 10,065 12,468 15,416 26,042 11,173 1,937
Net Cash Flow -23 346 265 431 -178 -189 471 -495 2,781 -146 -872 -663

Ratios Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 20% 21% 23% 20% 17% 17% 16% 15% 15% 23% 14% -12%

Credit Ratings