Piramal Capital & Housing Finance Ltd

Piramal Capital & Housing Finance Ltd

₹ 16.7 -9.97%
11 Jun 2021
About

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

  • Market Cap 524 Cr.
  • Current Price 16.7
  • High / Low /
  • Stock P/E 0.81
  • Book Value -658
  • Dividend Yield 0.00 %
  • ROCE %
  • ROE %
  • Face Value 10.0

Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -11.8% over past five 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
3,154 3,483 3,327 2,961 2,396 2,107 2,432 2,623 2,325 2,205 2,207 2,035 2,001
321 402 437 3,432 426 8,074 1,169 12,157 2,158 4,895 19,812 1,755 1,487
Operating Profit 2,834 3,081 2,890 -470 1,970 -5,968 1,263 -9,533 167 -2,690 -17,606 280 514
OPM % 90% 88% 87% -16% 82% -283% 52% -363% 7% -122% -798% 14% 26%
6 4 5 15 4 474 5 -462 4 1 1 26 1
Interest 2,199 2,446 2,416 2,355 2,166 2,014 1,423 133 58 57 53 51 48
Depreciation 9 12 13 18 17 10 12 40 20 20 20 20 19
Profit before tax 632 627 465 -2,829 -208 -7,518 -168 -10,169 93 -2,766 -17,677 234 448
Tax % 32% 31% 34% 24% -4% 12% 657% 26% 24% 23% 26% 59% 30%
432 440 314 -2,151 -242 -6,641 934 -7,507 70 -2,123 -13,095 97 314
EPS in Rs 13.76 14.01 10.00 -68.54 -7.73 -211.60 29.77 -239.21 2.23 -67.64 -417.29 3.08 10.02
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
733 1,041 2,094 3,212 6,420 7,835 11,465 10,849 12,882 9,558 8,771 6,121
75 124 271 374 968 1,196 1,477 1,413 4,496 21,824 28,621 1,941
Operating Profit 658 917 1,823 2,838 5,451 6,639 9,989 9,436 8,386 -12,266 -19,850 4,180
OPM % 90% 88% 87% 88% 85% 85% 87% 87% 65% -128% -226% 68%
2 2 44 4 2 4 6 41 -22 19 32 -62
Interest 525 702 1,390 2,350 4,460 5,492 6,674 7,744 9,417 5,736 218 3,337
Depreciation 3 3 7 7 27 30 43 28 51 79 81 52
Profit before tax 132 213 470 486 966 1,121 3,276 1,706 -1,104 -18,063 -20,117 728
Tax % 26% 26% 24% 27% 34% 34% 15% 27% 11% 26% 25% 26%
97 158 357 357 642 749 2,806 1,263 -966 -13,456 -15,051 540
EPS in Rs 7.88 9.44 15.75 13.85 22.05 25.68 89.62 40.28 -30.78 -428.77 -479.61 17.21
Dividend Payout % 16% 16% 11% 33% 14% 31% 4% 14% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 7%
5 Years: -12%
3 Years: -22%
TTM: -30%
Compounded Profit Growth
10 Years: 7%
5 Years: -15%
3 Years: 39%
TTM: 104%
Stock Price CAGR
10 Years: -17%
5 Years: -35%
3 Years: 3%
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity Capital 61 82 104 117 146 292 313 314 314 314 314
Reserves 462 802 1,451 1,905 4,836 4,973 7,417 8,684 7,624 -5,860 -20,959
Preference Capital 3 3 0 0 0 0 0 0 0 0
6,176 9,305 20,524 25,006 48,881 61,050 81,511 91,979 96,812 90,412 89,851
148 179 829 730 1,567 2,930 3,048 5,367 1,853 964 1,153
Total Liabilities 6,846 10,369 22,908 27,757 55,429 69,245 92,290 106,344 106,602 85,830 70,359
46 50 414 423 191 508 211 850 865 920 940
CWIP 4 167 166 182 810 590 634 129 104 105 0
Investments 95 115 701 247 1,751 1,811 13,509 8,120 2,498 3,881 8,449
6,700 10,036 21,627 26,904 52,677 66,336 77,936 97,245 103,135 80,924 60,970
Total Assets 6,846 10,369 22,908 27,757 55,429 69,245 92,290 106,344 106,602 85,830 70,359

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
87 123 247 523 -12,272 -12,582 -15,593 -18,136 -8,735 12,576 7,135 8,661
1 -172 -1,249 470 -866 24 -10,930 6,091 6,135 644 -4,526 -325
250 314 1,386 -1,647 12,643 15,416 26,289 11,173 1,937 -7,631 0 -8,366
Net Cash Flow 338 265 385 -654 -496 2,858 -234 -872 -663 5,589 2,609 -30

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 2 3 8 7 11 10 0 1 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 2 3 8 7 11 10 0 1 0 0 0
Working Capital Days -17 -12 -253 -217 -379 -361 -210 -145 -5 38 34
ROCE % 11% 11% 11% 11% 11% 10% 10% 8% -13%

Shareholding Pattern

Numbers in percentages

Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021
39.21% 39.21% 39.21% 39.21% 39.21% 39.21% 39.21% 39.21% 39.21% 39.21% 39.21% 39.21%
19.43% 22.25% 17.65% 11.26% 9.48% 6.45% 3.15% 2.89% 2.47% 2.47% 1.92% 0.25%
6.42% 4.10% 4.77% 3.89% 3.75% 3.50% 3.46% 3.45% 3.45% 3.45% 3.45% 3.45%
34.94% 34.44% 38.37% 45.64% 47.55% 50.84% 54.18% 54.45% 54.87% 54.87% 55.42% 57.09%
No. of Shareholders 2,19,0002,84,4133,09,0163,40,4073,41,7983,39,4223,35,4743,35,2923,25,7783,26,7693,34,2603,48,006

* 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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Documents

Concalls